How loosely the term is being used, depends on where your client is located. In some countries, I believe that the US is one of them, these conditions have been absorbed into the relevant statutes, either explicitly or as an external standard which is expected to be met. In countries where this has not been absorbed, they are passed down through merchant terms and conditions. But as the card processors operate globally, this is a global push, so though one strategy or another, they will cover your client.
However this a support thread for the module. If further discussion of the legalities of card companies code is needed, I recommend starting a new thread.
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