Letzte Aktualisierung October 22, 2017

Prohibited Businesses and Product Policy

The following categories of businesses and business practices are prohibited from using the Hips Service ("Prohibited Businesses"). Prohibited Business categories may be imposed through Network Rules or the requirements of our Financial Services Providers. If you are uncertain as to whether your business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us at support@hips.com.

By registering with us, you are confirming that you will not use the Service to accept payments in connection with the following businesses, business activities or business practices.

Financial and professional services

Prohibited Category Description
Investment & credit services Securities brokers; mortgage consulting or debt reduction services; credit counselling or repair; real estate opportunities; lending instruments
Investment & credit services Securities brokers; mortgage consulting or debt reduction services; credit counselling or repair; real estate opportunities; lending instruments
Money and legal services Money transmitters, check cashing, wire transfers, money orders; currency exchanges or dealers; bail bonds; collections agencies; law firms collecting funds for any purpose other than to pay fees owed to the firm for services provided by the firm (e.g., firms cannot use Hips to hold client funds, collection or settlement amounts, disputed funds, etc.)
Virtual currency or stored value Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); sale of stored value or credits maintained, accepted and issued by anyone other than the seller

IP Infringement, regulated or illegal products and services

Prohibited Category Description
Intellectual property or proprietary rights infringement Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder; any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party; use of Hips intellectual property without express consent from Hips; use of the Hips name or logo including use of Hips trade or service marks inconsistent with the Hips Marks Usage Agreement, or in a manner that otherwise harms Hips or the Hips brand; any action that implies an untrue endorsement by or affiliation with Hips
Counterfeit or unauthorized goods Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported
Gambling Lotteries; bidding fee auctions; sports forecasting or odds making; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; games of chance (without express consent from Hips with separate written agreement)
Regulated products and services Marijuana dispensaries and related businesses sale of tobacco, e-cigarettes, and e-liquid; online pharmacies; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis
Adult content and services Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features

Unfair, predatory, or deceptive practices

Prohibited Category Description
Get rich quick schemes Investment opportunities or other services that promise high rewards
Mug shot publication or pay-to-remove sites Platforms that facilitate the publication and removal of content (such as mug shots), where the primary purpose of posting such content is to cause or raise concerns of reputational harm
No-value-added services Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers

Products or services that are otherwise prohibited by our financial partners

Prohibited Category Description
Aggregation Engaging in any form of licensed or unlicensed aggregation of funds owed to third parties, factoring, or other activities intended to obfuscate the origin of funds
Drug paraphernalia Any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs
High risk businesses Bankruptcy lawyers; computer technical support; psychic services; travel reservation services and clubs; airlines; cruises; timeshares; prepaid phone cards, phone services, and cell phones; telemarketing, telecommunications equipment and telephone sales; drop shipping; forwarding brokers; negative response marketing; credit card and identity theft protection; the use of credit to pay for lending services; any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies. (without express consent from Hips with separate written agreement)
Multi-level marketing Pyramid schemes, network marketing, and referral marketing programs
Pseudo pharmaceuticals Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body
Social media activity Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity
Substances designed to mimic illegal drugs Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom)
Video game or virtual world credits Sale of in-game currency unless the merchant is the operator of the virtual world
Use of Hips in a manner inconsistent with its intended use or as expressly prohibited in the Hips Services Agreement Use of Hips principally as a virtual terminal (e.g., submitting card transactions by manually inputting card information); processing where there is no bona fide good or service sold, or donation accepted; card testing; evasion of card network chargeback monitoring programs; sharing cardholder information with another merchant for payment cross-sell product or service

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