Prohibited Businesses

You must not use Nexure's services for the following activities.

Illegal products and services:

• Illegal drugs, substances designed to mimic illegal drugs, and equipment designed for making or using drugs.
• Fake references or ID-providing services.
• Telecommunications manipulation equipment including jamming devices.
• Any business or organization that a. engages in, encourages, promotes, or celebrates unlawful violence or harm to individuals or property, or b. engages in, encourages, promotes, or celebrates unlawful violence against any group based on race, religion, disability, gender, sexual orientation, national origin, or any other protected characteristic (e.g., disruptive or malicious activities such as raiding or sabotage).
• Any other products or services that are in violation of law in the jurisdictions where your business is located or targeted to.

Products and services that infringe intellectual property rights:

• Sales or distribution of music, movies, software, or any other licensed materials without appropriate authorization
• Counterfeit goods; illegally imported or exported products
• Unauthorized sale of brand name or designer products or services
• Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary or privacy rights of any third party

Products and services that are unfair, predatory, or deceptive:

• Pyramid schemes
• ‘Get rich quick’ schemes including: investment opportunities or other services that promise high rewards to mislead consumers; schemes that claim to offer high rewards for very little effort or up front work; sites that promise fast and easy money; businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, and/or use fake testimonials; (with or without a written contract) offering unrealistic incentives/rewards as an inducement to purchase products or services but do not respond to any queries after the purchase
• No value added services including sale or resale of a service without added benefit to the buyer and resale of government offerings without authorization or added value
• Sales of online traffic or engagement
• Negative response marketing and telemarketing
• Predatory mortgage consulting, lending, credit repair and counseling services
• Predatory investment opportunities with no or low money down
• Remote technical support; mugshot publication or pay-to-remove sites; essay mills; chain letters; door-to-door sales
• Any other businesses that Nexure considers unfair, deceptive, or predatory towards consumers

Adult content and services:

• Pyramid schemes
• Pornography and other mature audience content (including literature, imagery and other media) depicting nudity or explicit sexual acts
• Adult services including prostitution, escorts, pay-per view, sexual massages, and adult live chat features
• Adult video stores
• Gentleman's clubs, topless bars, and strip clubs
• Online dating services

Certain legal services:

• Law firms collecting funds for purposes other than legal service fee payment
• Bankruptcy attorneys
• Bail bonds

Firearms, explosives and dangerous materials:

• Guns, gunpowders, ammunitions, weapons, fireworks and other explosives
• Sports forecasting or odds making with a monetary or material prize
• Lotteries
• Bidding fee auctions

Marijuana:

• Cannabis products
• Cannabis dispensaries and related businesses

Misuse of Nexure's products or services:

• Use of Nexure's products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information requested by Nexure (you must inform us immediately of any changes to your personal and business information)
• Use of Nexure's products to facilitate transactions on behalf of another undisclosed merchant or for products/services that were not disclosed in the merchant's Nexure account application
• Use of Nexure's payment processing services principally as a virtual terminal (e.g., submitting card transactions by manually inputting card information)
• Companies where there is no bona fide good or service sold, or donation accepted
• Evasion or misuse of card network chargeback monitoring programs
• Cross-border acquiring where the business address of the merchant is outside of the jurisdiction of the acquiring Nexure entity unless permitted under the card network rules
• Sharing cardholder information with another merchant for payment cross-sell products or services
• Use of Nexure's intellectual property without prior written consent from Nexure; use of the Nexure name or logo including use of Nexure trade or service marks inconsistent with the Nexure's Branding Guidelines, or in a manner that otherwise harms Nexure or the Nexure brand; any action that implies an untrue endorsement by or affiliation with Nexure

The types of businesses listed are representative but not exhaustive.

Restricted Businesses

You must not use Nexure's services for the following activities, unless you have received our prior written approval. Restricted Business categories may be imposed through card network rules, requirements of financial partners, or due to compliance and legal obligations. If your business falls into one of the restricted categories, please contact us. We are here to help!

Financial products and services:

• Investment and brokerage services
• Lending services
• Buy Now Pay Later services
• Crowdfunding
• Debt collection agencies
• Insurance services including medical benefit packages
• Money transmitters, currency exchange services and other money services businesses
• Neobanks / challenger banks
• Credit card and identity theft protection services
• Other financial institutions

Government services:

• Government grants
• Embassy, foreign consulate, or other foreign governments

Cannabidiol (CBD):

• CBD products containing negligible amounts of THC

Pharmaceuticals, medical devices and telemedicine:

• Online pharmacies
• Prescription-only products including card-not-present pharmaceuticals
• Prescription-only and regulated medical devices
• Telemedicine and telehealth services

Tobacco:

• Tobacco products including e-cigarettes and e-liquid
• Other age restricted goods or services

Competitors (Unless they partner with us):

• Software Design and Software Development Services
• Web Design & Web Development Services, Website Building Services and Web Hosting Services
• Graphic Design, Logo Design, and Banner Design Services
• Cloud Computing, Database Management, Block Storage, API Development and Content Delivery Networks or Related Services
• DNS Routing Services, Email Services, and Progressive Web App Development
• Office Productivity Tools such as services like Microsoft 365 or Google Workspace

The types of businesses listed are representative but not exhaustive.

Businesses that may pose elevated risk

These types of businesses may present an elevated risk to Nexure and we may deny services to you. If your business falls into one of the restricted categories, please contact us. We are here to help!

Travel:

• Travel reservation services and clubs
• Airlines and cruises
• Timeshare services

Non-fiat currency and stored value:

• Virtual and cryptocurrencies, non-fungible tokens (NFTs), and mining services (for crypto and NFT supportability and availability by region).
• Prepaid phone cards, sim cards, and phone services
• Sale of stored value or credits maintained, accepted and issued by anyone other than the seller
• Sale of in-game currency or game items, unless the merchant is the operator of the virtual world

The types of businesses listed are representative but not exhaustive.

Business models that may be particularly prone to abuse by ‘bad actors’

These types of businesses may be misused by ‘bad actors’ and we may deny services to you. If your business falls into one of the restricted categories, please contact us. We are here to help!

Multi-level marketing:

• Businesses where sellers get their revenue both from selling items and from signing up new sellers
• Network marketing and referral marketing programs

Shipping:

• Shipping brokers
• Forwarding brokers
• Drop shipping

Others:

• Charity sweepstakes and raffles for the explicit purpose of fundraising

The types of businesses listed are representative but not exhaustive.