By accessing or using TIME Platforms you agree to comply with our Service Terms also referred as "Services" and our Privacy Policy and our TIME Money Back Guarantee Policy and our Charity Eligibility Policy and this Prohibited Activities Policy (collectively referred as "Policies"). You must not use TIME Platforms if you perform any of the activities, services or businesses described in this policy.

Our eligibility criteria:

To meet internal and external obligations, some activities or services or businesses and organizations may be prohibited or restricted from working with TIME Platforms. This is based on a range of factors including but not limited to the following:

• Local, national and international laws.

• Requirements of our payment partners (e.g. banks, card networks, payment service providers, etc.).

• Level of financial assessed risk (e.g. fraud, chargebacks, etc.).

• Level of overall assessed risk (e.g. controversial content, sexually explicit content, drugs, etc.).

• Reputational impact to TIME Platforms and tangible or intangible cost aspects associated with this.

You must not use TIME Platforms for the following activities:

• Adult goods or services.

• Fetish products.

• Any content of offensive or sexual nature.

• Any sexual or any form of pornography related service or content.

• Any buy now pay later service.

• Any form of crowdfunding.

• Bearer share.

• Binary options.

• Credit repair and credit protection.

• Debt repayment and collection.

• E-wallet or e-money that can be monetize or re-sold or converted to physical and digital goods or services.

• Financial and money service.

• Fines or penalty collections of any kind.

• Independent or unlicensed financial advisor service.

• Life and non-life insurance sales and service.

• Money transfer and remittance.

• Payday or unsecured or any form of loans.

• Payroll or invoice business services.

• Provider or seller prepaid access.

• Shell banks.

• Counterfeit products or replicas or designed infringements of them including products designed to circumvent IP.

• Essay or paper mills where the intent is to falsely submit documents as their own work.

• Products or services or content designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrights material, the use of our logo or our partner’s logo or anyone’s logo without our written permission in a way that creates reputation risk for us and our partners.

• Business investment opportunities operating as “get rich quick schemes”.

• Business models that use ransom or extortion like practices.

• Business practices that are designed to evade excessive chargeback monitoring programs, data pass, any deceptive marketing tactics, fake references and other content or services that foster deception, inbound telemarketing for postcard or mailings.

• Content or activities that promote hate or violence or discrimination or terrorism or harassment or abuse or bullying in any shape or form.

• Pyramid selling or chain letter or any form of scams.

• Charities, trust organizations and non-profit organizations that are affiliated with totalitarian regimes, extreme far right or far left activities, related to politics and religions, scams and any form of non-transparent activities.

• Charities must follow the highest standards of compliance with our terms, provide access to their financial statements and practices, be as transparent as possible, follow the highest compliance standards in their respective jurisdiction, be authorized by us and our partners. We retain the right to deny access to charities that operate in jurisdictions out of the EU, UK, USA or elsewhere in case our team or partners can not monitor in detail their activities. We retain the to deny access to charities in our platform at any point.

• Airlines.

• Ancestry research.

• Animals and wildlife products classified as endangered or protected.

• Art dealers and galleries.

• Auction houses.

• Bail bonds and bankruptcy lawyers.

• Bidding fee and penny auctions.

• Dating activities.

• Car and truck rental or sales or importers or car parts.

• Click farms.

• Cloud storage or VPN or file sharing or cyber lockers.

• Cruise lines.

• Direct marketing teleservices and telemarketing or travel related arrangement services.

• Catalog merchants.

• Drop shipping.

• Governmental services such as embassies or consulates.

• Anything in relation to hazardous materials.

• Health practitioners.

• Private medical practices or services.

• E-doctors.

• Dental services.

• Any form of medical services.

• Human body parts or bodily fluids.

• Internet product and service providers.

• Intravenous therapies.

• Jewelry or watch or precious stones or precious metals and silverware stores.

• Key-entry telecom merchants.

• Match-making services.

• Visa services or any form of migration activities.

• Multi-level marketing.

• Nutraceuticals and food products or drug related content and services including hemp and alcohol.

• Pawn shops.

• Political or religious or social campaigning.

• Real estate services.

• Activities associated with pseudoscience’s including clairvoyance and horoscopes.

• Telemarketing companies selling products or services as an agent for a third party.

• Ticket agencies.

• Timeshare or timeshare maintenance.

• Travel agents and tour operators.

• Veterinary activities.

• Anything related to promotion of alcohol, drugs, illegal products or services, illegal activities, gambling, pharmaceuticals, prescriptions, tobacco and smoking, fireworks or flammable or radioactive or hazardous materials, weapons or ammunitions or explosive devices related and anything in relation to the above.

• Cryptocurrency and NFTs exchange.

• Any type of security exchange.

• Aggregators.

• Staged digital wallet operators.

• Payment facilitators or other internet payment or member service providers.

• Payment service companies including but not limited to peer-to-peer or bill payments or commissary accounts.

• Decryption and descrambler products and services.

• Devices designed to block or jam or interfere with cellular and personal communications.

• Any form of age restricted products, services or activities.

Additional jurisdiction specific prohibitions:

Any Jurisdiction or Place

• Unregistered charities, trusts, foundations or non profit organizations.

Hong Kong

• Marketing lead generation services.

India

• Alcohol.

• Dating and matchmaking services.

• Lobby groups, political organizations.

• Mining and oil drilling.

• Sex toys.

• Sexually oriented dating services.

Japan

• Animals.

• Donations to individuals.

• Fundraising for or financing businesses that are listed as prohibited/restricted above.

• Health instruments.

• Industrial waste disposal and garbage disposal devices; water purifiers.

• International marriage brokerage businesses.

Malaysia

• Sex toys.

• Sexually oriented dating services.

Mexico

• Adoption agencies.

• Credit card and identity theft protection services.

• Cross-border currency exchange services.

• Debt collection agencies.

• Direct marketing- travel.

• Electronic cigarettes for card-not-present transactions.

• Ephedrine.

• Game console modification devices.

• HCG weight loss.

• Investment services.

• Penny auctions.

• Pharmaceuticals wholesale for card-not-present transactions.

• Search engine optimization.

• Telemedicine.

• Tobacco for card-not-present transactions.

Singapore

• Marketing lead generation services.

• Sale of ads for any products or services deemed illegal in Singapore; sales of products that facilitate payments to any of these products or services.

• Sex toys.

• Sexually oriented dating services.

United Arab Emirates

• Historical artifacts, ivory products, prison-made products.

• Sex toys.

• Sexually oriented dating services.

United States

• Extended warranties and subscriptions over one year.

• Sex toys.

• Sexually oriented dating services.

Actions by TIME Platforms:

If, in our sole discretion, we believe that you may have engaged in any violation of this Prohibited Activities Policy, we may (with or without notice to you) take such actions as we deem appropriate to mitigate risk to TIME Platforms and any impacted third parties and to ensure compliance with our Service Terms and Privacy Policy and this Prohibited Activities Policy. Such actions may include, without limitation:

• Suspending, restricting or terminating your access to and use of the TIME Platforms.

• Blocking the settlement or completion of one or more payments.

• Terminating our relationship with you, including termination without liability to TIME Platforms of any form.

• Taking legal action against you.

• Contacting and disclosing information related to such violations to (i) persons who have engaged in respective activities with you, (ii) any banks or Card Networks involved with your activities, (iii) law enforcement or regulatory agencies, and (iv) other third parties that may have been impacted by such violations.

• Assessing against you any fees, penalties, assessments or expenses (including reasonable attorneys’ fees) that we may incur as a result of such violations, which you agree to pay promptly upon notice.

Amendments:

This Prohibited Activities Policy may be amended by TIME Platforms at any time by posting a new version of it to our website. By accessing or using TIME Platforms after a new version is posted, you agree to all amendments reflected therein.