Prohibited and Restricted Activities & Businesses

Xiva Ltd. has regulatory, contractual, and ethical obligations to prevent its products and services from being used by criminals to engage in and benefit from criminal activities.

Criminal activities and businesses

Criminal activity means any kind of involvement in the commission of any offence punishable by law. The following are considered criminal activities:

  • Corruption
  • Counterfeiting  and piracy of products
  • Counterfeiting  of currency
  • Cybercrime
  • Environmental  crime
  • Extortion
  • Forgery
  • Fraud
  • Illicit  arms trafficking
  • Illicit  trafficking in narcotic drugs and psychotropic substances
  • Illicit  trafficking in stolen goods, controlled, banned and other goods
  • Insider  trading and market manipulation
  • Kidnapping,  illegal restraint and hostage-taking
  • Murder,  grievous bodily injury
  • Participation  in an organised criminal group and racketeering
  • Piracy
  • Robbery  or theft
  • Sexual  exploitation
  • Smuggling
  • Tax  crimes relating to direct and indirect taxes, as laid down in national law
  • Terrorism
  • Trafficking  in human beings and migrant smuggling  

As a result, Xiva prohibits the following activities.

Prohibited activities and businesses

 When entering into an agreement with Xiva Ltd. and using our services you confirm that you are not offering or are affiliated to these products or services listed.

Aggregators, including but not limited to marketplaces, platforms
Alcohol sales
Animals and wildlife products classified as endangered or protected
Art dealers and galleries
Bearer share entities
Binary Options
Business investment opportunities operating as “get rich quick schemes”
Business models that use ransom- or extortion-like practices
Business practices that are designed to evade excessive chargeback monitoring programs
Cannabis dispensaries and related businesses
Casual dating services
Cloud storage, VPN, file sharing, (high-risk) cyber lockers
Counterfeit products, replicas or designed infringements of them including products designed to circumvent IP
Credit repair and credit protection business
Crowdfunding
Debt repayment and collection agency
Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communications
Drop Shipping
Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive products, products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredients
Essay mills, paper mills where the intent is to falsely submit documents as their own work
E-wallet or e-money that can be monetized, re-sold or converted to physical and digital goods and services or otherwise exit the virtual world
Fake references and other services or products that foster deception
Fireworks, flammable, hazardous or radioactive materials
Gambling and lotteries
High-risk securities such as: contract for difference (CFD), financial spread betting, initial coin offering (ICO), forex currency options, cryptocurrency options, trading and purchases
Human body parts or bodily fluids (excluding hair)
Independent or unlicensed financial advisors
Live-streaming Services
Mail order spouse or international match-making services
Multi-level marketing
Pawn shops
Payday loans, unsecured loans and loans originating from non-FDIC insured banks
Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts
Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)
Political, religious or Social Campaigning
Prepaid access/stored value
Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted material
Products or services that promote hate, violence, discrimination, terrorism, harassment or abuse in any shape or form
Pyramid selling, chain letters or other financial scams
Sexually Explicit Content including but not limited to production, distribution and advertisement related to: defecation, bestiality, death or simulated death, rape or simulated rape, or any materials that depict explicit sex scenes or pornography involving a child or adolescent
Shell banks and shell companies
Telemarketing companies selling products or services as an agent for a third party
Virtual currency or stored value
Weapons, ammunitions, military arms, explosive devices and firearm parts

Restricted activities and businesses

‍The  following businesses are restricted due to our contractual limitations:

Air Carriers, Airlines—Not Elsewhere Classified
Airlines, Air Carriers
Airports, Airport Terminals, Flying Fields
Ambulance Services
Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters
Automated Cash Disbursements—Customer Financial Institution
Automobile Parking Lots and Garages
Automobile Rental Agency–Not Elsewhere Classified
Bail and Bond Payments
Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking Places (Alcoholic Beverages)
Boat Dealers
Boat Leases and Boat Rentals
Bridge and Road Fees, Tolls
Bus Lines
Cable, Satellite, and Other Pay Television and Radio Services
Camper Dealers, Recreational and Utility Trailers
Car Rental Agencies
Chemicals and Allied Products—not elsewhere classified
Cigar Stores and Stands
Colleges, Universities, Professional Schools and Junior Colleges
Consumer Credit Reporting Agencies
Court Costs including Alimony and Child Support
Cruise Lines
Dating Services
Dental and Medical Laboratories
Department Stores
Digital Goods—Large Digital Goods Merchant, Multi-Category
Direct Marketing—Catalog Merchants
Direct Marketing—Combination Catalog and Retail Merchants
Direct Marketing—Continuity/Subscription Merchants
Direct Marketing—Inbound Telemarketing Merchants
Direct Marketing—Insurance Services
Direct Marketing—Other Direct Marketers—not elsewhere classified
Direct Marketing—Outbound Telemarketing Merchants
Direct Marketing—Travel-Related Arrangement Service
Drug Stores, Pharmacies
Drugs, Drug Proprietors, and Druggists Sundries
Duty Free Stores
Express Payment Service Merchants–Parking Lots and Garages
Fines
Fuel Dispenser, Automated
Funeral Service and Crematories
Gambling Transactions Betting (Sportsbook, fantasy, social gaming; when regulated and not covered by other MCCs) (D)
Gambling-Horse, Dog Racing, State Lottery
Golf Courses, Public
Government Licensed Horse/Dog Racing (U.S. Region Only)
Government Owned Lottery (U.S. Region Only)
Government Services—not elsewhere classified
Hospitals
Information Retrieval Services
Insurance Sales, Underwriting, and Premiums
Internet Gambling
Intra-Government Purchases–Government Only
Key-Entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry
Lodging—Hotels, Motels, Resorts—not elsewhere classified
Manual Cash Disbursements—Customer Financial Institution
Marketplaces
Merchandise and Services—Customer Financial Institution
Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere classified
Mobile Home Dealers
Money Transfer
MoneySend Funding
MoneySend Intercountry
MoneySend Intracountry
Motion Picture and Video Tape Production and Distribution
Motion Picture Theaters
Motor Home and Recreational Vehicle Rental
Motor Home Dealers
Motorcycle Shops and Dealers
Organizations, Charitable and Social Service
Organizations, Political
Organizations, Religious
Package Stores, Beer, Wine, and Liquor
Package Tour Operators (Germany Only)
Passenger Railways
Pawn Shops
Payment Transaction—Customer Financial Institution
Payment Transaction—Merchant
Petroleum and Petroleum Products
POI Funding Transactions (Excluding MoneySend)
Postal Services—Government Only
Precious Stones and Metals, Watches and Jewelry
Quasi Cash—Customer Financial Institution
Quasi Cash—Merchant
Railroads—Freight
Real Estate Agents and Managers—Rentals
Recreational and Sporting Camps
Schools, Elementary and Secondary
Securities—Brokers/Dealers
Snowmobile Dealers
Tax Payments
Telecommunication Equipment Including Telephone Sales
Telecommunication Services including but not limited to prepaid phone services and recurring phone services
Telegraph Services
Telemarketing of Travel Related Services and Vitamins
Timeshares
Transportation Services Not Elsewhere Classified
Travel Agencies and Tour Operators
Truck Rental
Utilities—Electric, Gas, Heating Oil, Sanitary, Water
Warehouse Club Gas
Wholesale Clubs

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No activity may be conducted in a country or region, or with a person that is the subject of applicable sanctions, such as those identified by OFSI, UN Sanctions and OFAC.

If you are in doubt or need further clarification about whether your activities are prohibited or restricted, please contact us at info@xiva.com

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