Users of Franchain Technologies Limited's products and services must not engage in or facilitate any of the activities listed below. This list reflects our legal and regulatory obligations, as well as our risk management policies. Violation of these terms will be considered a breach of your agreement with Franchain Technologies Limited, and we reserve the right to suspend access to our products and services if such a breach is discovered.

1. Illegal or Harmful Activities

‍You may not use our services to engage in or facilitate any activities that are illegal or harmful, or cause others to do so. This includes activities that:

• Are fraudulent, unlawful, or violate any law or regulation (including using our services in connection with the supply of goods or services that violate laws or regulations).
• Infringe any third party's intellectual property or other proprietary rights in any jurisdiction.
• Involve counterfeit goods, including but not limited to designer handbags, clothing, accessories, and consumer electronics.
• Harm or attempt to harm any minor.
• Involve parties named on sanctions lists that we comply with.
• Misrepresent your identity or falsely suggest association or affiliation with a third party.
• Involve shell or front companies.
• Could reasonably be considered harmful, false, misleading, unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, or hateful.

2. Prohibited Goods and Services

‍You may not use our services to arrange payments for the following goods and services without prior agreement in our contract:

2.1. Financial Services and Related Activities

• Money transfer businesses.
• Payday loans.
• Currency conversion services.
• Money remittance services.
• Financial products including or similar to foreign-exchange derivatives, spread betting, or contracts for difference.
• Unregulated financial advice.
• Extended warranties.
• Debt recovery services.
• Private banking or other payment institution services.
• Mortgage consulting or credit counseling.
• Business or investment opportunities, including crowdfunding and related services.

2.2. Other Prohibited Services

• Online dating or marriage services, adult entertainment, or escort services.
• Services promoting discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
• Services promoting violence, illegal drugs, or any illegal activity.
• Services breaching confidentiality obligations.
• Services invading privacy.
• Unsolicited or unauthorized advertising or promotional material.
• Transmission of malicious software (viruses, trojans, worms, etc.).
• Services that could damage, disable, or impair our services, including automated usage not permitted by our API and documentation.
• Activities considered abuse of our system or services, including referral programs.
• Activities likely to result in liability, complaints, disputes, reversals, chargebacks, fees, fines, or penalties.
• Pyramid or ponzi schemes, matrix programs, "get rich quick" schemes, or certain multi-level marketing programs.
• Accessing or attempting to access underlying software of our services.
• Trust and off-shore company service providers.
• Company domiciliation services without a physical presence.

3. High-Risk Items and Substances

‍You may not use our services for activities involving the following items and substances:

• Narcotics and related paraphernalia (including marijuana and its paraphernalia).
• Chemicals.
• Prescription medication or medical services.
• Alcoholic beverages.
• Tobacco products.
• Dietary supplements.
• Seeds or plants.
• Jewels, precious metals, or stones.
• Guns, firearms, ammunition, or similar items.

4. Media and Marketing Activities

• Media activities such as providing Twitter followers, Facebook likes, or YouTube views.
• Outbound telemarketing.

5. Travel Industry Activities

• Activities involving tour operators, aviation companies, and travel agents.

6. Other Restricted Activities

• Payments to and from the same account or between accounts controlled by the same entity or beneficial owner.
• Using our services solely for generating or collecting financial benefits from other organizations (e.g., reward points, cashback).
• Activities lacking transaction transparency, including completing Direct Debit mandates on behalf of another party.
• Activities requiring a license or permission from a third party without having such a license.
• Use of our services by individuals under the age of eighteen (18).

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