2.4.3 User understands and acknowledges that user is aware that OKPAY spends are irrevocable and that user agrees to follow the policy of buyer beware (Caveat Emptor) when using OKPAY at various merchant sites, especially merchants such as gaming or gambling or HYIP and other types of investment or chance games or matrixes or Ponzis (pyramid schemes), which are identifiable by their promises o