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Acceptable Use Policy

Last updated: 24 July 2019

This Acceptable Use Policy sets out the terms under which you may
 access our Services and applies as soon as you access and/or use
TransferWise.

Please check the User Agreement for the meaning of the defined

words.

1. Restricted activities
1.1 You may use our Services only for lawful
purposes. You may not use our Services:
a in any way that breaches any applicable local, national, or
international law or regulation, or causes TransferWise to breach any
applicable law or regulation;
b in any way that is unlawful or fraudulent, or has any unlawful or
fraudulent purpose or effect;
c for the purpose of harming or attempting to harm minors in any way;
d for anything that is abusive, harmful, or does not comply with our
content standards;
e for any unsolicited or unauthorised advertising, promotional material,
or any other form of spam;
f to deal in harmful programs such as viruses, spyware, or similar
computer code designed to adversely affect the operation of any
computer software or hardware;
g in any way that would locally or internationally evade any applicable
taxes or facilitate tax evasion.
1.2 Unsupported businesses and transactions
The restrictions below do not apply to lawful transactions using the
TransferWise Card. For more information on the acceptable use of the
TransferWise Card, please see the TransferWise Card Supplement to
the Customer Agreement.

We do not support businesses or transactions which are involved in

any of the following categories, such businesses or transactions may
be declined. While this list is representative, it is not exhaustive, and
 we reserve our right to deny our services to any customers who
exceed our risk tolerance.

1.2.1 Regulated or illegal products and services

a Adult content.
1. Pornography and other visual content depicting explicitly sexual acts.
2. Services of sexual nature (webcam shows, live chats, prostitution,
escorts, etc).
3. Sexually oriented establishments (massage parlors, strip clubs,
gentleman’s clubs).
b Alcohol businesses.
1. Payments for the sale of alcohol to retail customers are not supported.
c Tobacco products.
d Cannabis.
1. Products containing CBD.
2. Any other products or services related to legal marijuana trade.
e Certain controlled substances or other products that present a risk to
consumer safety.
1. Smart drugs, nootropic supplements.
2. Substances that provide similar effects as illegal drugs (kratom, khat,
etc.)
3. Anabolic steroids and peptides.
f Drug paraphernalia.
1. Any equipment, product, or material which is intended for making,
using, or concealing drugs
g Pharmaceuticals.
1. Nutraceuticals, pseudo-pharmaceuticals, and other products which
make unreasonable health claims not approved or verified by the
applicable regulatory body.
2. Online pharmacies.
3. Prescription-only pharmaceutical drugs.
4. Payments for the sale of pharmaceutical products to retail customers
are not supported.
h Chemicals.
1. Commodity chemicals.
i Counterfeit or unauthorised goods.
1. Unauthorised sale of designer and/or brand products.
2. Sale of illegally imported or exported goods.
j Gambling.
1. Lotteries.
2. Fantasy sports with cash prizes.
3. Games of chance with cash prizes.
4. Sales of in-game currencies by unauthorised vendors.
5. Any type of gambling payments or businesses related to Turkey,
United States, or Canada.
6. Any other type of businesses related to gambling, up to
TransferWise’s own discretion.
k Intellectual property or proprietary rights infringement.
1. Any product or service that directly infringes or facilitates
infringement upon the copyright, patent, trademark, trade secrets,
proprietary, or privacy rights of any third party.
l Products and services which are not legal in the jurisdiction they are
being offered in.
1.2.2 Financial and other professional services
a Binary options.
b Escrow services.
1. Using TransferWise Borderless account as an escrow account.
c Companies involved in the exchange or trading of cryptocurrencies,
or any other virtual currencies.
1. Including payments for the purpose of purchasing cryptocurrencies.
d Marketplaces from countries outside of European Economic Area
and/or European Union.
e Money service businesses, or any businesses that carry on the activity
of:
1. Operating a bureau de change or currency exchange service.
2. Transmitting money, or any representation of monetary value, on
behalf of third parties.
3. Cashing cheques.
4. Payment processing.
f Platforms allowing the trading and/or exchanging of FX/CFD/options.
g Shell banks.
h Superannuation funds.
i Syndicates.
j Trust and corporate service providers that are involved in:
1. Opening accounts on behalf of other businesses.
2. Offshore company formation.
3. Using nominee directors and/or shareholders to obscure company
ownership.
k Any other financial services operating without a licence where one is
required.
1.2.3 Other restricted activities
a IPTV and VOIP services.
b Individuals, entities, or countries subject to international sanctions.
c Weaponry, military and semi-military goods and services.
1. Weapons (including weapons of historic significance), military
software, or any other goods or services intended for military use.
d Nonprofit organisations and charities from countries outside of
Canada, European Economic Area and/or European Union,
Switzerland, USA, Australia, or New Zealand.
1. Unregistered charities are not supported from any regions.
e Trusts and foundations from countries outside of Canada, European
Economic Area and/or European Union, Switzerland, USA, Australia,
or New Zealand.
f Trade of restricted and/or endangered animal species and products
derived from them.
g Multi-level marketing, pyramid schemes, get rich quick schemes,
referral marketing.
1. Including any other services promising unreasonably high rewards.
1.3 You also agree:
a not to copy or use any part of our Services in contravention of the
provisions of our User Agreement.
b not to access without authority, interfere with, damage, or disrupt:
1. any part of our Services;
2. any equipment or network on which our Website is stored;
3. any software used in the provision of our Services;
4. any equipment, network, or software owned or used by any third
party.
c not to use your TransferWise Account in a manner that is likely to
result in complaints, disputes, reversals, chargebacks, or other
liabilities to TransferWise, other Customers, third parties, or you.
 1.4 You may only use your TransferWise Account
Number to receive funds into your TransferWise
Account for the following purposes:
a receiving your own salary and/or wages;
b receiving payouts from e-commerce and freelancer platforms;
c receiving payments from family, friends or other people you know for
personal purposes;
d receiving payments from your clients and other third parties for the
purpose of business payments.
2. Content standards
These content standards apply to any material you contribute to our
Services (contributions).

2.1 Contributions must:

a be accurate;
b be genuinely held (where they state opinions);
c comply with applicable law in the UK and in any country from which
they are posted, or to which they relate.
2.2 Contributions must not:
a contain any material which is defamatory;
b contain any material which is obscene, offensive, hateful, or
inflammatory;
c promote sexually explicit material;
d promote violence;
e promote discrimination based on race, sex, religion, nationality,
disability, sexual orientation, or age;
f infringe any copyright, database right, or trademark of any other
person;
g be likely to deceive any person;
h be made in breach of any legal duty owed to a third party, such as a
contractual duty or a duty of confidence;
i promote any illegal activity;
j be abusive, threatening in any way, invade another’s privacy, or cause
 annoyance, inconvenience, or needless anxiety;
k be likely to harass, upset, embarrass, alarm, or annoy any other
person;
l be used to impersonate any person, or to misrepresent your identity or
affiliation with any person;
m give the impression that they relate to TransferWise, if this is not the
case;
n advocate, promote, or assist any unlawful act such as (by way of
example only) copyright infringement or computer misuse.
3. Suspension and termination
We alone will determine whether there has been a breach of this
Acceptable Use Policy through your use of our Services.

3.1 We take breach of this policy seriously and

may take the following actions:
a immediate, temporary, or permanent withdrawal of your right to use
our Services;
b suspend or cancel your payment orders and take such other actions as
we consider necessary;
c immediate, temporary, or permanent removal of any posting or
material uploaded by you;
d issue of a warning;
e legal action against you including proceedings for reimbursement of
all costs on an “all expenses” basis;
f reporting and disclosure of information to law enforcement
authorities.
4. Changes to the Acceptable Use
Policy
We may revise this Acceptable Use Policy at any time by amending
this page. We recommend checking this page regularly as it is legally
binding to you.