1. Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media). escort or prostitution services.

2. Alcohol which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.

3. Body parts which includes organs or other body parts- live, cultured/preserved or from cadaver.

4. Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam).

5. Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.

6. Child pornography which includes pornographic and other sexually suggestive materials involving minors.

7. Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection.

8. Dealing in media which violates any copyrighted media including but not limited to unauthorized copies of books, music, movies, and other licensed or protected materials. Copyright infringing merchandise.

9. Dealing in software which violates any copyrighted software including but not limited to unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software

10. Products labelled as "tester," or "not intended for sale".

11. Counterfeit and unauthorized goods which includes replicas or imitations of designer goods. items without a celebrity endorsement that would normally require such an association. fake autographs, counterfeit stamps, and other potentially unauthorized goods.

12. Products that have been altered to change the product's performance, safety specifications, or indications of use.

13. Drugs and drug paraphernalia which includes hallucinogenic substances, illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms.

14. Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items.

15. Endangered species which includes plants, animals or other organisms (including product derivatives) in danger of extinction.

16. Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles.

17. Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.

18. Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts.

19. Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes.

20. Offensive goods which includes literature, products or other materials that: a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors b) Encourage or incite violent acts c) Promote intolerance or hatred.

21. Offensive goods, crime related goods which includes crime scene photos or items, such as personal belongings, associated with criminals.

22. Tobacco and cigarettes which includes e-cigarettes, cigars, chewing tobacco, and related products.

23. Weapons which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.

24. Matrix sites or sites using matrix scheme approach/Ponzi/Pyramid schemes.

25. Merchant who deal in surgical products on B2C model.

26. Merchants operating in financial products/services/ asset classes in relation to cryptocurrency.

27. Lotteries, casinos and gambling equipment, betting

28. Merchant who deal in immigration services (only consultancy is doable).

29. Merchant who deal in loose diamonds.

30. Merchant who deal in guaranteed employment services.

31. Religious products which are making false claims or hurting someone's religious feelings.

32. Merchant who deal in adoption agencies.

33. Merchant who deal in pawnshop work of art including art galleries, auction houses, antique dealers, artists, art resellers.

34. Merchant who deal in esoteric pages, psychic consultations.

35. Merchant who deal in telemarketing (selling by phone for example travel service, overall sales).

36. Merchant who deal in credit Counselling/Credit Repair Services.

37. Merchant who deal in get rich businesses.

38. Merchant who deal in bankruptcy services.

39. Merchant who deal in websites depicting violence and extreme sexual violence or bestiality

40. Any other prohibited line of business as may be notified by our Partners from time to time.

41. Bribery or corruption, which includes any product, service or transaction undertaken for the purpose of bribery, corruption, or gratification prohibited under Applicable Laws or notified by any regulator or authority.

42. Pyrotechnic devices and hazardous materials, which includes explosives, fireworks and related goods. toxic, flammable, corrosive or radioactive materials and substances.

43. Regulated goods, which includes air bags, batteries containing mercury, refrigerants such as Freon or similar substances, chemical or industrial solvents, pesticides, postage meters, slot machines, surveillance equipment, goods regulated by any government or other agency specifications, including law enforcement equipment, police badges, uniforms, car titles, and license plates.

44. Prescription drugs or online pharmacies, which includes drugs or other products requiring a prescription by a recognized and licensed medical practitioner in India or elsewhere.

45. Securities and investment products, which includes stocks, bonds, mutual funds, debentures or any related financial products or investments not authorized by applicable law.

46. Wholesale currency and money services, which includes discounted currencies, currency exchanges, money changers, money transfer agents, or any service facilitating unauthorized remittance or domestic money transfers except where expressly permitted under RBI regulations.

47. Crowdsourcing and fundraising platforms, including online crowdfunding for unregulated or unauthorized purposes.

48. Offshore corporations or entities, including those incorporated or operating outside India without requisite regulatory permissions.

49. Work-at-home schemes, including businesses or information relating to "work-from-home" opportunities or other similar representations.

50. Drop-shipped or dropshipping merchandise, including goods sold without the Merchant taking ownership or possession, or fulfilled directly by a third party without adequate product control.

51. Database providers or tele-calling data services, including sale or dissemination of personal data, lead lists or databases used for telemarketing or unsolicited communications.

52. Digital lending or loan applications, including those routing or originating funds from unregulated or foreign sources (including Chinese organizations).

53. Applications or Merchants dealing in NFTs (Non-Fungible Tokens) or similar digital collectibles.

54. Merchants with NBFC status rejected or classified as Nidhi companies under applicable law.

55. Merchants dealing in gift cards or prepaid instruments purchased through foreign exchange or foreign currencies.

56. Dubious or deceptive video chatting applications, or similar platforms found engaging in obscene, fraudulent or misleading conduct.

57. Merchants or applications against which consumer complaints are publicly observed on internet consumer forums or complaint portals.

58. Pawnshops, private money lenders or similar financing activities.

59. Merchants providing Business Correspondent services, including AEPS, domestic money transfer (DMT), cash pay-out or similar services not expressly permitted.

60. Embassies, consulates or diplomatic missions.

61. Traffic control or interception devices, which includes radar detectors, jammers, license plate covers, traffic signal changers and related products.

62. SIM box services, or services facilitating call termination, call masking or bypassing legitimate telecom infrastructure.

63. Illegal international call routing ("grey routing"), or services manipulating call routing to disguise the true origin of an international call.

64. Investment scams, which includes deceptive investment or trading schemes promising unrealistic or guaranteed returns, or unregistered entities soliciting funds via websites or social media.

65. Merchants selling or offering "Mystery Boxes" or similar chance-based promotional products.

PART A

The following activities are prohibited:

• Child exploitation: Merchant may not offer goods or services, or post or upload materials that exploit or abuse children, including but not limited to images or depictions of child abuse or sexual abuse, or that present children in a sexual manner.
• Harassment, bullying, defamation and threats: Merchant may not offer goods or services, or post or upload Materials, that harass, bully, defame or threaten a specific individual.
• Intellectual property: Merchants may not offer goods or services that infringe on the copyright or trademarks of others.
• Personal, confidential, and protected health information: Merchant may not post or upload any Materials that contain personally identifiable information, sensitive personal information, or confidential information, such as credit card numbers, confidential ID numbers, or account passwords unless Merchant have consent from the person to whom the information belongs or who is otherwise authorized to provide such consent.
• Restricted Items: Merchant may not offer goods or services that are, or appear to be, in the list provided as Annexure II of this Policy.
• Self-harm: Merchant may not offer goods or services, or post or upload Materials, that promote self-harm.
• Terrorist organizations: Merchant may not offer goods or services, or post or upload Materials, that imply or promote support or funding of, or membership in, a terrorist organization.

PART B

SERVICE PROVIDER'S ACCEPTABLE USE POLICY

Merchant hereby confirms and hereby declares that they are not engaged in any prohibited business activities as listed hereunder and hereby further confirms and declares that they shall not use the Service Provider's Payment Aggregation Services for the below activities:

• Hateful content: Merchant may not use the Payment Aggregation Services to promote or condone hate or violence against people based on race, ethnicity, color, national origin, religion, age, gender, sexual orientation, disability, medical condition, or other forms of discriminatory intolerance. Merchants shall not use the Payment Aggregation Services to promote or support organizations, platforms or people that: (i) promote or condone such hate. or (ii) threaten or condone violence to further a cause.
• Malicious and deceptive practices: Merchant shall not use the Payment Aggregation Services to transmit malware or host phishing pages. Merchant shall not perform activities or upload or distribute Materials that harm or disrupt the operation of the Payment Aggregation Services or other infrastructure of others, including Juspay's third party providers. Merchant shall not use the Payment Aggregation Services for deceptive commercial practices or any other illegal or deceptive activities.
• Spam: Merchant shall not use the Payment Aggregation Services to transmit unsolicited commercial electronic messages.