Acceptable Use Policy
Last Updated: November 20, 2025
This Acceptable Use Policy (“AUP”) forms part of the Terms of Service and Merchant Agreement between YOBPAY (“YOBPAY”, “we”, “us”, “our”) and any individual or entity (“Merchant”, “User”, “you”) accessing or using YOBPAY’s payment processing, financial technology, or related services (“Services”). By using the Services, you agree to comply with this AUP. Failure to comply may result in immediate account suspension, withholding of funds, termination, or reporting to regulators and law enforcement.
1. PURPOSE AND SCOPE
1.1 This AUP sets forth categories of activities, businesses, goods, and services that are prohibited or restricted when using YOBPAY Services.
1.2 This AUP is required under applicable laws and regulations, card network rules, banking-partner policies, and compliance standards, including AML/CTF, sanctions, fraud-prevention, and consumer-protection frameworks.
1.3 YOBPAY reserves the right to update this AUP at any time to reflect regulatory changes, risk findings, or partner requirements.
2. GENERAL COMPLIANCE REQUIREMENTS
2.1 User Obligations
You agree to:
a) use the Services only for lawful business purposes;
b) provide complete, accurate, and current information;
c) notify YOBPAY of any material change in business activity or ownership;
d) comply with all applicable AML/CTF, sanctions, anti-fraud, and data-protection laws;
e) prevent unauthorized or suspicious use of your account;
f) cooperate with audits, monitoring, enhanced due diligence, and compliance assessments.
2.2 Prohibition on Circumvention
You may not evade or attempt to evade this AUP, geographic restrictions, sanctions controls, or onboarding requirements.
3. PROHIBITED BUSINESSES AND ACTIVITIES
The following categories are strictly prohibited. Examples are illustrative.
3.1 Illegal Activities
a) products or services prohibited by law;
b) controlled substances or chemicals without licensing;
c) money laundering, tax evasion, or terrorism financing;
d) intellectual-property infringement or unlawful data activities.
3.2 High-Risk Goods & Services
a) firearms, weapons, explosives;
b) drugs, drug paraphernalia, unregulated pharmaceuticals;
c) counterfeit or unauthorized branded goods;
d) adult content or sexual services;
e) gambling or wagering;
f) unregulated investment schemes, binary trading, HYIPs;
g) pyramid schemes, MLM structures, deceptive earnings claims;
h) credit-repair, debt-collection, or loan-modification schemes.
3.3 Fraudulent or Harmful Activity
a) identity theft, synthetic IDs, deceptive practices;
b) malware, hacking tools, botnets, spyware;
c) transaction laundering;
d) unlawful sale of personal data.
4. CRYPTOCURRENCY-RELATED RESTRICTIONS (if applicable)
4.1 Prohibited Crypto Activities
a) privacy-enhancing or anonymity-focused cryptocurrencies;
b) mixers, tumblers, chain-obfuscation services;
c) unlicensed exchanges, OTC brokers, wallet providers;
d) ICOs, token offerings, unregulated securities;
e) illegal NFTs or IP-infringing digital assets.
4.2 Permitted with Prior Approval
a) regulated cryptocurrency exchanges;
b) blockchain infrastructure providers;
c) merchants accepting crypto through approved processors.
5. SANCTIONED & NON-SUPPORTED JURISDICTIONS
5.1 YOBPAY prohibits onboarding, transactions, or commerce involving any individual, entity, or business located in, established in, operating from, or conducting business with the following non-supported jurisdictions, including but not limited to:
Afghanistan, American Samoa, Belarus, Benin, Bosnia and Herzegovina, Botswana, Burkina Faso, Burundi, Cambodia, Cape Verde, Central African Republic, Chad, Congo, Cuba, Equatorial Guinea, Ethiopia, Fiji, Gambia, Guam, Guinea, Guatemala, Guinea-Bissau, Honduras, Iran, Iraq, Laos, Liberia, Mali, Mongolia, Myanmar, Nicaragua, Niger, North Korea, Palau, Palestine, Russia, Samoa, Senegal, Sierra Leone, Somalia, Sri Lanka, Sudan, Syria, The Republic of Burkina Faso, Tajikistan, Togolese Republic, Turkmenistan, US Virgin Islands, Ukraine/Crimea (Restrictive measures in response to the illegal annexation of Crimea and Sevastopol), Venezuela, and Yemen.
5.2 You may not use VPNs, proxies, intermediaries, or corporate structures to obscure jurisdiction or evade restrictions.
6. RESTRICTED BUSINESSES REQUIRING APPROVAL
These categories may be allowed only after enhanced due diligence and explicit written authorization:
a) charities and NGOs;
b) ticketing, travel, and booking platforms;
c) online marketplaces;
d) luxury goods merchants;
e) subscription billing services;
f) regulated fintech or financial-services providers.
7. MONITORING, SUSPENSION, AND TERMINATION
7.1 YOBPAY may monitor transactions and merchant activity at all times.
7.2 YOBPAY may suspend or terminate accounts, freeze funds, or request documentation based on risk findings.
7.3 YOBPAY may notify banking partners, regulators, or law-enforcement agencies where required.
8. ENFORCEMENT AND LIABILITY
You are responsible for ensuring compliance with this AUP. You agree to indemnify YOBPAY for any losses, penalties, or claims arising from your violations.
9. AMENDMENTS
YOBPAY may revise this AUP at any time. Continued use of the Services constitutes acceptance of updates.
10. CONTACT
For compliance questions or jurisdiction-approval requests, contact: aml@yobpay.io
