some questions about FirePay

[gumpzilla]

So I'm looking into creating a FirePay account and linking it to a savings account that I would keep strictly for poker money. I'm looking at FirePay instead of Neteller because I read a thread a few weeks ago in this forum that said that Neteller won't allow accounts from users based in Maryland.

Anyway, I'm reading through the terms of use for FirePay, and I've already come across a couple of things that seem potentially unappetizing.

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You acknowledge that the purpose of your account is for purchasing a wide variety of goods and services from Authorized Merchants. You hereby covenant not to use FirePay for any purpose that may be considered to be illegal under any laws applicable to you.

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Unlike other clauses, there's no explicit mention of what they do to your account should such activity be found to take place (having now read the whole thing, it would appear that at the end they can terminate the account for violation of terms and that this would result in the forfeiture of any funds kept in there. The risks associated with this, I would assume, could be dodged by not keeping any money directly in the account.) However, I would imagine that like most U.S. citizens, it is probably technically illegal for me to be playing online poker (this appears to be the consensus of those who I've seen posting who appear to be legally well informed.) How concerned should I be about this? I'm assuming not very, otherwise I'd hear far more people complaining.

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8. Collection of Funds You Owe Us. You authorize us to obtain and to do a credit report and do a credit check on you at the time you make a request to use and each time you do use our Service.

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Really? Allow me to again show my ignorance, but I was under the impression that repeated credit checks tended to degrade one's credit rating. Do they actually do this?

Lastly, it appears that there is a $4 charge or so for funding the account. Does this only apply to funding from a bank account linked to the FirePay account, or does it also apply to transfers from poker sites to FirePay? I'm assuming the latter. I'm glad that FirePay's terms of use at least mentions this; when I read Neteller's terms a long time ago, there was absolutely no mention I could find of any kind of fee for the service, which made me pretty suspicious.