Purpose
This policy applies to every business that uses Lyria services, whether directly or through a brand or platform built on Lyria. It forms part of our Client Agreements. Our partners may impose additional restrictions, which also apply.
Prohibited activities
We do not provide services to businesses, or permit transactions, involving:
- any activity that is illegal where the business operates or where its customers are located;
- persons, entities or jurisdictions subject to sanctions, or attempts to evade sanctions;
- money laundering, terrorist financing or proceeds of crime;
- child sexual abuse material, non-consensual sexual content or human trafficking;
- illegal drugs, controlled substances without required authorisation, and drug paraphernalia where unlawful;
- weapons, ammunition, explosives and their components, except where expressly approved and licensed;
- counterfeit or stolen goods, and goods that infringe intellectual property rights;
- pyramid schemes, Ponzi schemes, deceptive marketing and other fraudulent business models;
- unlicensed financial services, including unlicensed money transmission, lending, investment or deposit-taking;
- unregulated gambling, or gambling offered where it is not permitted;
- anonymising services designed to obscure the source or destination of funds, including mixers and tumblers;
- shell banks, or businesses whose ownership cannot be established;
- the sale of personal data obtained unlawfully; and
- content or services that promote violence, hatred or discrimination.
Restricted activities
The following are considered only after enhanced due diligence, may require licences or other evidence, and may be subject to additional conditions:
- online gambling, gaming and sportsbooks, with a valid licence for each market served;
- forex, CFD, trading and investment platforms, with appropriate authorisation;
- virtual currency exchanges, wallets and on- and off-ramps;
- money services businesses, payment intermediaries and other financial institutions;
- adult content and services, with robust age and consent verification;
- dating and social discovery services;
- nutraceuticals, supplements and CBD, where lawful;
- subscription and continuity billing models;
- travel, ticketing and other future-delivery businesses;
- crowdfunding, charities and non-profit organisations; and
- high-value goods, including precious metals and jewellery.
Conduct requirements
- Describe products, prices and terms clearly to customers, including any recurring charges.
- Keep refund and dispute rates within the thresholds set by card schemes and our partners.
- Do not process transactions for other businesses without our written approval.
- Do not split transactions to avoid limits or reporting thresholds.
Breaches
If we believe this policy has been breached, we may request information, suspend services, hold funds as permitted by the Client Agreement and applicable law, end the relationship and make reports to authorities as the law requires.
Questions
If you are unsure whether your business is eligible, contact [email protected] before applying.