Prohibited Line of Business – EximPe

The Merchant shall not use the Services in connection with any businesses, activities, goods or services falling within the restricted or prohibited categories set out in this Policy, as may be updated by EximPe from time to time in accordance with Applicable Laws, Card Network Rules or internal risk and compliance requirements.

EximPe reserves the right to suspend, restrict or terminate the Services in the event the Merchant is found to be engaged in any such restricted or prohibited activities.

The list of products and services for which the Merchant cannot use EximPe’s Payment Aggregation Services is set out hereunder:

1. Adult goods and services, including pornography and other sexually suggestive materials (including literature, imagery, video and other media, including live or recorded video sex content), and escort or prostitution services.
2. Child sexual abuse material (CSAM), including any pornographic, obscene or sexually explicit material involving minors.
3. Alcohol, including alcoholic beverages such as beer, liquor, wine or champagne.
4. Tobacco and cigarettes, including cigarettes, cigars, chewing tobacco and related products, and electronic cigarettes, vaping devices and other Electronic Nicotine Delivery Systems (ENDS) prohibited under the Prohibition of Electronic Cigarettes Act, 2019.
5. Drugs and drug paraphernalia, including illegal narcotic drugs and psychotropic substances, drug accessories, and herbal drugs such as salvia and magic mushrooms.
6. Cannabidiol (CBD), cannabis-derived and related products.
7. Drug test circumvention aids, including drug cleansing shakes, urine test additives and related items.
8. Miracle cures, including unsubstantiated cures, remedies or other items marketed as quick health fixes.
9. Body parts, including human organs, tissues or other body parts, and the sale of human blood or plasma other than through licensed blood banks.
10. Commercial surrogacy services, and pre-natal sex determination or sex-selective services, which are prohibited under the Surrogacy (Regulation) Act, 2021 and the Pre-Conception and Pre-Natal Diagnostic Techniques Act, 1994.
11. Bulk marketing tools, including e-mail lists, software or other products enabling unsolicited e-mail messages (spam), and outbound telemarketing services (MCC 5966).
12. Cable descramblers and black boxes, including devices intended to obtain cable and satellite signals for free.
13. Copyright unlocking devices, including mod chips or other devices designed to circumvent copyright protection.
14. Pirated copyrighted media and software, including unauthorised copies of books, music, films, software, video games and other licensed or protected materials, including OEM or bundled software.
15. Counterfeit and unauthorised goods, including replicas or imitations of designer goods, items falsely implying a celebrity endorsement, fake autographs, counterfeit stamps and other potentially unauthorised goods, and the unauthorised re-sale of luxury goods, including by watch traders.
16. Stolen goods or goods of unknown or unverifiable provenance, including the receiving or re-sale of stolen property (fencing).
17. Endangered species, including plants, animals or other organisms (including product derivatives) in danger of extinction or protected under the Wild Life (Protection) Act, 1972 or CITES.
18. Live animals and animal parts, including hides, skins, teeth, nails and other parts of animals, and seeds or plants (MCC 5193).
19. Chance-based gaming and gambling, including lottery tickets, jackpots, mystery boxes, sports bets, memberships or enrolment in online gambling sites and related content, and paper or state lotteries sold outside authorised channels.
20. Government IDs or documents, including fake identity documents, passports, diplomas and noble titles.
21. Hacking and cracking materials, including manuals, how-to guides, information or equipment enabling illegal access to software, servers, websites or other protected property.
22. Unauthorised surveillance or interception software, including spyware and stalkerware.
23. Illegal goods, including materials, products or information promoting illegal goods or enabling illegal acts.
24. Offensive goods, including literature, products or other materials that: (a) defame or slander any person or group of people based on race, ethnicity, national origin, religion, sex or other factors; (b) encourage or incite violent acts; or (c) promote intolerance or hatred; and crime-related items such as crime-scene photos or personal belongings associated with criminals (‘murderabilia’).
25. Regulated goods, including air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical or industrial solvents; pesticides; government uniforms; car titles or logos; licence plates; police badges and law-enforcement equipment; lock-picking devices; postage meters; recalled items; slot machines; surveillance equipment; and other goods regulated by government or other agency specifications.
26. Traffic devices, including radar detectors or jammers, licence plate covers, traffic signal changers and related products.
27. Weapons, including firearms, ammunition, knives, brass knuckles, gun parts and other armaments.
28. Weapons of mass destruction (WMD), including nuclear, chemical or biological weapons, their means of delivery, and related materials, equipment or technology.
29. Pyrotechnic devices, combustibles, corrosives and hazardous materials, including explosives, fireworks and related goods, and toxic, flammable and radioactive materials and substances.
30. Export of dual-use, military or strategic items listed under SCOMET (Special Chemicals, Organisms, Materials, Equipment and Technologies) without the requisite authorisation.
31. Restricted or prohibited goods and services not permissible under the prevailing Foreign Trade Policy, including the import of goods on the DGFT ITC(HS) restricted/prohibited list (such as e-waste, hazardous waste and used or second-hand goods) without a valid licence.
32. Export or import of goods or services without a valid Importer-Exporter Code (IEC), and cross-border e-commerce import consignments split to evade customs duty or IEC thresholds.
33. Unlicensed dealing in or export of antiquities and art treasures.
34. Precious metals and stones, including diamond traders (MCC 5094).
35. Mining and extraction, and scrap-metal trading.
36. Energy trading and carbon credits, including carbon-credit traders.
37. Speculative trading, including overseas forex trading through electronic or internet trading portals and any remittance outside India for such purpose.
38. Cryptocurrency and crypto-assets, including cryptocurrency exchanges, crypto-trading platforms, tokens and NFTs, and crypto or blockchain development.
39. Wholesale currency, including discounted currencies or currency exchange, and the export of currency, including Indian rupee notes.
40. Hawala or any other unauthorised cross-border money transfer outside regulated banking channels.
41. Money-mule services, including the sale, rental or purchase of bank accounts.
42. Funding of MoneySend or similar person-to-person money transfer transactions.
43. Cross-border remittances in excess of Liberalised Remittance Scheme (LRS) limits or for prohibited purposes, such as lottery, banned or proscribed magazines and call-back services.
44. Pawnbrokers (MCC 5933).
45. Political organisations (MCC 8651).
46. Collection of donations.
47. Banned or terrorist organisations, including the sale of their merchandise and any fundraising or donations for them.
48. Trade or dealings with countries, entities or designated individuals that are FATF-blacklisted, subject to UN sanctions, or included in any Indian watch list (including under the NIA, UAPA, MHA or UNSC lists), and any goods or services restricted under Indian law.
49. Trade or investment involving entities from countries sharing a land border with India without prior Government approval.
50. Multi-level marketing collection fees, Ponzi schemes, pyramid and chain marketing, and matrix sites or sites using a matrix-scheme approach.
51. Get-rich-quick schemes, work-at-home information or schemes, and unregulated investment schemes.
52. Unauthorised or unlisted digital lending apps.
53. Unlicensed solicitation or sale of insurance.
54. Drop-shipped merchandise.
55. The Merchant shall not sell, purchase, provide or exchange a cardholder’s name or Mastercard / Visa account number information, in any form obtained by reason of a Mastercard / Visa card transaction, to any third party other than its Mastercard / Visa acquiring member, or pursuant to a request of a government, statutory or other competent authority.
56. Businesses servicing illegal goods or services, including those connected with counterfeiting, human trafficking, child labour or prostitution.
57. Any product or service which is not in compliance with all applicable laws and regulations, whether federal, state, local or international, including the laws of India.

Part A – Prohibited Activities

The Merchant shall not use the Services to:

• offer or facilitate goods or services involving child exploitation, terrorism, self-harm or other unlawful activities;
• harass, threaten, defame or promote violence against any person;
• offer or facilitate goods or services that infringe any third-party intellectual property rights;
• upload or process personal, confidential or sensitive information without appropriate authorisation or as otherwise permitted under Applicable Law; or
• engage in any fraudulent, deceptive, money laundering, terrorist financing, sanctions-related or otherwise illegal activity.

Part B – Acceptable Use

The Merchant shall use the Services only for its legitimate business purposes and in accordance with Applicable Law, this Agreement and EximPe’s applicable policies.

The Merchant shall not use the Services to:

• submit false, misleading or unauthorised information or documentation;
• facilitate fraudulent, unauthorised or unlawful transactions;
• transmit malware, phishing content or other malicious material;
• interfere with or compromise the security or operation of the EximPe platform or connected systems; or
• circumvent applicable KYC, AML/CFT, sanctions, transaction monitoring or other compliance controls.

EximPe may suspend, restrict or reject access to the Services or any transaction where it reasonably determines that such activity may violate this Policy, Applicable Law or applicable regulatory requirements.