The Merchant hereby expressly agrees not to directly or indirectly deal in the following product/s or

service/s at any time during the tenure of availing IPG services with the Bank.

1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services. Website access and/or Website memberships of pornography or illegal sites; Apparatus such as personal massagers/vibrators and sex toys and enhancements.
2.  Alcohol , which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
3. Body parts, which include organs or other body parts – live, cultured/preserved or from a cadaver.
4. Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam).
5. Cable TV descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
6. Child pornography in any form which includes pornographic materials involving minors.
7. Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection.
8. Copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
9. Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
10. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods. items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods.
11. Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs including but not limited to salvia and magic mushrooms.
12. Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items.
13. Endangered species, which includes plants, animals or other organisms (including product derivatives) in danger of extinction.
14. Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content.
15. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles.
16. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
17. Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts.
18. Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes.
19. Offensive goods which include literature, products or other materials that:
    (a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other
    factors.
    (b) Encourage or incite violent acts.
    (c) Promote intolerance or hatred.
20. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
21. Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a recognized and licensed medical practitioner in India or anywhere else.
22. Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances.
23. Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters. recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
24. Securities, which includes stocks, bonds, mutual funds or related financial products or investments.
25. Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products
26. Traffic devices, which includes radar detectors/ jammers, license plate covers, traffic signal changers, and related products.
27. Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
28.  Wholesale currency, which includes discounted currencies or currency, exchanges.
29. Live animals or hides/skins/teeth, nails and other parts  etc.. of animals.
30. Multi Level Marketing schemes or Pyramid / Matrix sites or websites using a matrix scheme approach.
31. The Merchant who deal in intangible goods/ services ( example Software download/ Health/ Beauty Products), and businesses involved in pyramid marketing schemes or get-rich-quick schemes. Any other product or Service, which in the sole opinion of either the Partner Bank or the Acquiring, is detrimental to the image and interests of  either of them / both of them, as communicated by either of them/ both of them to the Merchant from time to time.
32. Work-at-home information.
33. Drop-shipped merchandise.
34. Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/ allied services. Voice process /knowledge process services excluding Broadband
35. Virtual currency, Cryptocurrency, prohibited investments for commercial gain or credits that can be monetized,       re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.
36. Any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, both local and international including the laws of India.
37. The Merchant providing services that have the potential of casting the Payment Gateway Facilitators in a poor light and/or that may be prone to Buy & Deny attitude of the cardholders when billed (e.g. Adult material/ Mature content/Escort services/ friend finders) and thus leading to chargeback and fraud losses.
38. Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature (e.g. Web-based telephony, Website supplying medicines or controlled substances, website that promiseonline match- making).
39. Businesses out rightly banned by law (e.g. Betting & Gambling/ publications or content that is likely to be interpreted by the authorities as leading to moral turpitude or decadence or incite caste/communal tensions, lotteries/sweepstakes & games of chance.
40. Mailing lists
41. Money laundering services.
42. Database providers (for tele-callers).
43. Bidding/Auction houses.
44. Activities prohibited by the Telecom Regulatory Authority of India.
45. Merchant providing and selling “Mystery Boxes”.
46. Merchants who offer cash withdrawal services (MCC 6010) at applicable POS/merchant outlets.
47.  Any other activities prohibited by applicable law.