SaylorPay Acceptable Use Policy

By accessing or using SaylorPay as a Merchant, you agree to comply with the terms and conditions of this Acceptable Use Policy.

Restricted Activities

You may not use SaylorPay’s Service(s) in connection with any product, service, transaction or activity that:

• violates any rule or regulation of the Service Provider (MTN Ghana, Telecel Ghana and AirtelTigo Ghana)
• violates any law or government regulation, or promotes or facilitates such by third parties;
• is fraudulent, deceptive, unfair or predatory;
• causes or threatens reputational damage to US or any Service Provider
• involves any of the business categories listed under Certain Business Categories
• results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability.

Certain Business Categories

SaylorPay shall not solicit or sign agreements with merchants engaging in any activity that relates to the sale and/or purchase of:

1. banned narcotics, steroids, certain controlled substances or other products that present a risk to the consumer's safety;
2. blood, bodily fluids or body parts;
3. burglary tools;
4. counterfeit items;
5. illegal drugs and drug paraphernalia;
6. fireworks, destructive devices and explosives;
7. identity documents, government documents, personal financial records or personal information (in any form, including mailing lists);
8. lottery tickets, sweepstakes entries or slot machines without the required license;
9. offensive material or hate speech or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime;
10. harmful chemicals;
11. recalled items;
12. prohibited services;
13. unlicensed financial services, stocks or other securities;
14. stolen property;
15. items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction;
16. obscene material or pornography;
17. certain sexually oriented materials or services;
18. certain firearms, firearm parts or accessories, ammunition, weapons or knives;
19. any product or service that is illegal or marketed or sold in such a way as to create liability to Us
20. production of military and paramilitary wears and accoutrement, including those of the Police and the Customs, Immigration and Prison Services.
21. Cannabis products or services including dispensaries, delivery services, CBD/THC products.
22. Tobacco products, including e-Cigarettes.
23. Drug Paraphernalia.
24. Firearms, weapons, ammunition, gunpowder, fireworks and other explosive substances, chemicals or devices.
25. Research chemicals, peptides, and other toxic, flammable or radioactive materials.
26. Investment or “get rich quick” merchants, businesses or programs.
27. Marijuana dispensaries and related products or services.
28. Multi-Level Marketing Businesses.
29. “Negative option” marketing, renewal, or continuity subscription practices; marketing activities involving low-dollar trails, “pay only for shipping,” and/or “free trial” periods after which a credit card is charged periodically and/or a significantly larger amount.
30. Pawn Shops.
31. Pseudo Pharmaceuticals.
32. Psychics and “occult” businesses.
33. Quasi-Cash or Stored Value.
34. Substances designed to mimic illegal drugs.
35. Transacting Virtual Currency or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.
36. Identification Providing Services.
37. Business, content, services or behaviour that promotes, glorifies or engages in unlawful violence, physical or virtual harm to property, persons, or group on the basis of race, national origin, religion, disability, gender, or sexual orientation.
38. Predatory financial services including but not limited to credit counselling, wealth management, or loan consulting.
39. Pornography or other adult audience products or services including images, video, audio, literature, live chat services or other media, which convey explicitly sexual behavior.
40. Bail Bond Services, Bankruptcy Lawyers, or Law Firms collecting funds for any service other than legal services fees.
41. In-person gambling or sweepstakes or contests, fantasy sports leagues offering monetary or value prizes or awards.
42. Bidding fee auctions.
43. Any unlawful activities/items or encouragement of the same.