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you can design your whitelabel as you like, its self hosted ie "not on their server" i spose in a way its not really a white label as you download a template as a starter, the co just gives you the tools to integrate their scripts into your design. imo its better than a hosted solution as it will be seo friendly and you can add pages ad-hock.
I don,t recall a 2 month limit on collecting funds, but if you refer to this:
"All monies are held by the payment system providers for 2 months before releasing them."
it just states that there is a 2 month waiting period before you can collect said funds £100 min (its related to charge back protection) nothing regards loosing them.
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