Acceptable Use Policy

1.1 Eligible Entity Types. Our services are available exclusively to:

• Corporations (C-Corp, S-Corp, B-Corp)
• Limited Liability Companies (LLC)
• Limited Partnerships (LP, LLP)
• Professional Corporations (PC)
• Registered Non-Profit Organizations (501(c) entities)

1.2 Ineligible Entities. We cannot provide services to:

• Individuals or sole proprietorships without business registration
• Unincorporated associations or partnerships
• Trust accounts or estate accounts
• Government entities (without prior approval)
• Entities without valid U.S. tax identification

1.3 Geographic Requirements. Your business must:

• Maintain a legitimate physical U.S. address (no PO boxes as primary)
• Conduct majority of operations within the United States
• Have authorized representatives legally present in the U.S.
• Not be primarily operated from sanctioned countries

The following business types and activities are strictly prohibited from using our services:

You may not use our services to:

4.1 Payment Processing Limits. You may not:

• Process payments for third parties not directly related to your business
• Use accounts as pass-through or aggregation vehicles
• Accept payments for businesses not disclosed during onboarding
• Structure transactions to circumvent limits or monitoring
• Process transactions for prohibited businesses on behalf of others

4.2 International Transaction Restrictions.We may restrict or prohibit transactions involving:

• Countries subject to OFAC sanctions
• Entities on restricted party lists
• High-risk jurisdictions identified by FATF
• Transactions lacking clear business purpose

4.3 Card Usage Restrictions. Corporate cards may not be used for:

• Personal expenses unrelated to business
• Cash advances beyond approved limits
• Purchases from prohibited merchant categories
• Transactions that violate this Policy

5.1 Ongoing Monitoring. We continuously monitor accounts for:

• Suspicious transaction patterns
• Changes in business activity
• Compliance with this Policy
• Regulatory red flags
• Fraud indicators

5.2 Information Requests. We may require you to provide:

• Updated business documentation
• Explanation of unusual transactions
• Source of funds documentation
• Beneficial ownership updates
• Financial statements or tax returns

5.3 Cooperation Requirements. You must:

• Respond promptly to our information requests
• Provide accurate and complete information
• Notify us of material changes to your business
• Cooperate with compliance reviews
• Maintain accurate records

6.1 Enforcement Actions. For violations of this Policy, we may:

• Issue warnings or require remediation
• Impose transaction limits or restrictions
• Suspend access to specific services
• Freeze or hold funds pending investigation
• Terminate your account immediately
• Report activities to law enforcement or regulators

6.2 No Obligation to Disclose. We are not obligated to disclose:

• Specific reasons for account actions
• Details of our investigation methods
• Information that could compromise security
• Details that could interfere with law enforcement

6.3 Effect of Termination. If we terminate your account for Policy violations:

• You must immediately cease using our services
• We may hold funds as required by law
• You remain liable for all obligations
• We may share information with regulators as required
• You may be prohibited from opening future accounts

7.1 Report Suspicious Activity. If you become aware of any violation of this Policy, you should immediately report it to:

7.2 Whistleblower Protection. We maintain policies to protect individuals who report violations in good faith from retaliation.

7.3 False Reports. Knowingly making false reports or accusations is itself a violation of this Policy.

8.1 Case-by-Case Review. We may, at our sole discretion, grant exceptions for:

• Businesses in restricted categories with proper licensing and controls
• Non-profit organizations with legitimate restricted activities
• Businesses undergoing transformation or restructuring

8.2 Enhanced Due Diligence. Exceptions may require:

• Additional documentation and verification
• Ongoing enhanced monitoring
• Transaction limits or controls
• Regular compliance reviews
• Additional fees or deposits

8.3 No Precedent. Any exception granted does not create a precedent and may be revoked at any time.

9.1 Right to Modify. We may update this Policy at any time to:

• Reflect changes in laws or regulations
• Address new risks or business activities
• Improve clarity or correct errors
• Adapt to business or technology changes

9.2 Notice of Changes. We will notify you of material changes through:

• Email notification
• Platform notifications
• Website announcements

9.3 Continued Use. Your continued use of our services after Policy updates constitutes acceptance of the changes.

For questions about this Acceptable Use Policy: