Acceptable Use Policy

Last updated: [DATE]

Draft for legal review. Text in [BRACKETS] is completed before this page is published.

This Acceptable Use Policy lists activities that may not be paid for or conducted using ExelPay. It forms part of the Terms of Service. Card schemes and our Partners may apply further restrictions, which we will communicate to you.

1. Prohibited activities

You may not use the Services for:

anything illegal in the country of the merchant or the buyer, or that helps others break the law;
goods or services that infringe intellectual property rights, including counterfeit products;
weapons, ammunition, explosives and their components, where prohibited by law;
illegal drugs, drug paraphernalia and unapproved pharmaceuticals or supplements making false health claims;
content or services involving the sexual exploitation of minors, non-consensual content or human trafficking;
pyramid or Ponzi schemes, “get rich quick” offers and other deceptive financial schemes;
money laundering, terrorist financing or transactions involving sanctioned persons or countries;
unlicensed money transmission, unlicensed gambling or unlicensed financial services;
processing payments on behalf of another business without our written approval (factoring or “transaction laundering”).

2. Restricted activities

The following require our prior written approval and may require additional checks or licences: online gambling and lotteries; adult content and services; travel and ticketing with long delivery windows; subscriptions and free-trial offers; cryptocurrency and digital assets; nutraceuticals; dating; charities and crowdfunding; high-risk marketing models such as continuity billing.

3. Card scheme and consumer rules

You must clearly describe your products, prices, fees, delivery times and refund policy before purchase; obtain consent for recurring charges; honour cancellations; and not add surcharges unless ExelPay has enabled the feature for you and the law allows it.

4. Security and platform misuse

You may not attempt to bypass our security controls, probe or overload our systems, test cards for validity, use stolen credentials, or interfere with other customers’ use of the Services.

5. Enforcement

If we believe this policy is breached we may refuse or reverse transactions, hold funds as permitted by the Terms, suspend or end the Services, and report activity to authorities and Partners as required by law.

Report suspected misuse to [ABUSE CONTACT EMAIL].

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