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: Illegal drugs, accessories, and herbal drugs including but not limited to salvia and magic mushroom.
12. Drug test circumvention aids which include 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 include lottery ticket, sports bets, memberships / enrolment in online gambling sites and related content
15. Government IDs or documents: Fake IDs, passports, diplomas, and Nobel titles.
16. Hacking and cracking materials which includes manuals, how to guides, information, or equipment enabling illegal access to software, servers, website or other protected property.
17. Illegal goods which include materials, products, or information promoting illegal good or enabling illegal acts.
18. Miracle cures which includes unsubstantiated cures, remedies or other item marketed as quick health fixes.
19. Offensive goods which includes literature, products or other material that:
    1. Defame or slander any person or group of people based on race, ethnicity, national origin, religion, sex, or other factor
    2. Encourage or incite violent acts
    3. Promote intolerance or hatred.
20. offensive goods, crime which includes crime scene photo or item, such as personal belongings, associated with criminals
21. Prescription drugs or herbal drugs or any kind of online pharmacies which include drug 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 include fireworks and related goods, toxic flammable, and radioactive materials and substance.
23. Regulated good which include air bags, batteries containing mercury, Freon similar substances/ refrigerants, chemical / industrial solvents, government uniforms; car title, license plates, police badges and law enforcement equipment; lock- picking devices, pesticides; postage meters, recalled items; slot machines; surveillance equipment, good regulated by government or other Agency Specifications.
24. Securities, which includes stocks, bonds, mutual fund or related financial product 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 sinal changers and related products.
27. Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts and other armaments.
28. Live animal or hides / skins / teeth, nails and other parts etc. of animal
29. Multi-level marketing scheme or pyramid / matrix sites or websites using a matrix scheme approach.
30. Wholesale currency, which includes discounted currencies or currency, exchanges.
31. The Merchant which deal in intangible good / services (example software download / health / beauty products) and business involved in pyramid marketing schemes or get risk quick scheme any other product or service, which in the sole opinion of either the partner bank or the acquiring, is detrimental to the image and interest of either of them / both of them, as communicated by either of them / both them to the merchant from time to time.
32. Work at home information
33. Drop- shipped merchandise
34. Web based telephone/ SMS / Text / Facsimile service 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 credit that can monetized re-sold or converted to physical or digital good 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. Merchant who offer Cash withdrawal services (MCC 6010) at applicable POS / Merchant outlets. Policy restricts onboarding such merchants and we do not intend to offer the same even in future, hence any such merchant onboarding for cash withdrawal service would be deemed as non- compliance to bank’s onboarding policies.
38. Surgical Product on B2C model.
39. immigration services (Does not include consultation)
40. Guaranteed Employment Services
41. Religious Product which are making false claims or hurting someone’s religion feeling
42. Adoption Agency
43. Merchant providing and selling ” mystery boxes”
44. Pawnshop / Private Money Lenders
45. Esoteric pages / Services
46. Credit counselling / credit repair services
47. Get rich businesses & bankruptcy services
48. Data base provider for tele-calling services
49. Money Laundering Services
50. Money Transfer Portals & merchant agent networks
51. SIM box services used for call termination and VoIP or offering solutions for managing multiple SIM cards for bypassing legitimate telecom services.
52. The Merchant Providing services that have the potential of casting the payment gateway facilitators in a poor light and / or that may be buy & Deny attitude of the cardholder when billed ( e.g adult material/ mature comntent / escort services/ friend finders) and thus leading to chargeback and fraud losses.
53. Businesses or Website that operates within the scope of laws which are not absolutely clear or are ambiguous in nature( e.g web- based telephone, website supplying medicines or controlled substances website that promise online match -making).
54. 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 tension, lotteries / sweepstakes & games of chance.
55. Mailing List
56. Bidding / Auction houses
57. Activities Prohibited by the telecom regulatory authority of India
58. Illegal international call routing, also known as “grey routing” by manipulating call routing to disguise the true origin of an international call, often to avoid higher international tariffs and appear as a local call.
59. Engaged in ‘Investment scams’ offering deceptive schemes that are designed to deceive individuals into making investments that promise unreasonable or impossible returns.
60. Unregistered entity offering investment schemes on social media and websites, where money is taken in their own account to invest on behalf of clients.
61. Applications on official stores designed to scam investors by inviting them to invest money into bonds, shares, commodities, cryptocurrency, and other imaginary schemes
62. Any Other Activities Prohibited By applicable Law.