Prohibited & Restricted Businesses

Without limiting any other provision of this Platform Agreement, User will not access or use the Moov Services as follows:

1. in, by, or for any country or Person sanctioned, embargoed, or blocked by any Governmental Authority, including by reason of inclusion on a list maintained by the U.S. Office of Foreign Asset Control (“OFAC”),
2. by or for any Person who is or has been convicted of a criminal offense involving dishonesty, a breach of trust, money laundering, or that is otherwise financial in nature,
3. in any manner that violates, or could reasonably be expected to violate, Applicable Law, Network Rules, or FI Partner Guidelines,
4. in connection with any activity or type of business identified by Moov or any applicable FI Partner from time to time as a restricted or prohibited activity or business, or
5. in violation of any other restrictions, whether applicable to the Moov Services generally or Transactions or Transaction types specifically, established by Moov or any applicable FI Partner from time to time.

Without limiting any other provision of this Platform Agreement, User will not access or use the Moov Services in connection with any of the following activities or types of businesses without Moov’s prior written approval:

• online gambling or daily fantasy sports
• investment advisory services, securities brokers, or credit services
• the sale of cannabis, tetrahydrocannabinol containing products, or marijuana containing products, including paraphernalia for the use of such products
• the sale of cannabidiol containing products, including hemp or hemp derivatives
• the sale of products or services designed to mimic illegal drugs
• massage parlors, adult entertainment, pornography, escort, or online dating services
• the sale of guns, weapons, or ammunition
• the sale of products or services that promote hate, violence, harassment, or abuse
• cryptocurrency sales, money transmission, currency exchanges, check cashers, or any other activities that require federal registration as a money services business or licensure by a state financial regulator
• non-bank lenders, title and payday lenders, shell banks, or foreign financial institutions
• entities that create remotely created checks for payment
• bankruptcy services or attorneys or insolvency practitioners
• a payment aggregator, a payment service provider, or another Person engaged in similar activities
• crowdfunding or crowdsourcing entities
• the sale of in-game currency, convertible virtual currency, or other tokens representing value
• multi-level marketing programs
• fireworks sales
• online auctions and marketplaces
• bail bonds businesses
• pawn shops, title pawn business, or lenders charging annual percentage rates higher than 36 percent
• pharmaceutical, nutraceuticals, pseudo pharmaceuticals, supplements, or controlled-substance mimicking product sales
• the sale of counterfeit, knock-off, or brand-infringement goods
• tobacco product sales
• debt collection
• debt counselling or debt settlement programs
• bearer share entities or other anonymous ownership entities
• shell corporations
• businesses physically located outside of the United States
• embassies, consulates, or diplomatic missions
• foreign government agencies
• non-profit organizations (as defined by the Internal Revenue Service)
• selling or cross-selling products of customers or receiving customer data from a third party
• commercial leasing agents
• sellers of real estate, resort land, or time shares
• internet pharmacies or pharmacy referral sites
• outbound telemarketing

User acknowledges and agrees that User is responsible and liable for regularly screening User’s access to and use of the Moov Services for potential prohibited or restricted use cases.