Acceptable Use and Prohibited Goods and Services Policy

1. Purpose

1.1 This policy sets out what you may not buy, sell or do on Paxtra. It forms part of the Terms of Service. It helps keep Paxtra lawful and safe for everyone, and it reflects the rules of our payment processor, Stripe, and applicable law.

1.2 Paxtra may update this policy. Where Stripe or the law changes what can be processed, we may apply the change straight away.

2. Prohibited goods and services

You must not use Paxtra to create, accept, pay for, receive or facilitate transactions for any of the following:

Categories Stripe does not allow us to process, as set out in Stripe’s prohibited and restricted businesses rules from time to time;

firearms, weapons, ammunition and explosives;

adult sexual content and services, and any content involving minors;

gambling, betting and lotteries;

cryptocurrency trading, and the sale of virtual currency;

gift cards, prepaid cards, cash and cash equivalents;

prescription medication and controlled drugs, and drug paraphernalia;

counterfeit, pirated or infringing goods;

stolen property, and goods obtained through crime;

stolen financial information or account credentials, and the sale of accounts;

pyramid or Ponzi schemes, deceptive investments and other financial scams;

anything that breaches sanctions or helps launder money or finance terrorism;

human exploitation or trafficking;

any other illegal goods or services, or goods and services that need a licence you do not hold.

3. Specially regulated goods

3.1 At launch, the following are not permitted unless a later version of this policy expressly approves them: alcohol; nicotine and vaping products; cannabis; and other specially regulated goods.

3.2 Restricted activities are not permitted unless Paxtra has given its approval in writing, and any approvals that Stripe or the law require are in place.

4. Professional services

Ordinary lawful professional services are permitted where the provider is appropriately qualified or licensed, the service complies with the law, and the service meets Stripe’s requirements. You are responsible for holding any licence the service requires.

5. Prohibited conduct

You must not:

use Paxtra to move money rather than to buy or sell genuine goods or services, including paying yourself or your related accounts;

create artificial, collusive or round-trip transactions;

submit false, forged or altered evidence, or lie in a dispute (see the Dispute Resolution Policy);

misrepresent goods, services, your identity or your business;

pressure a buyer to confirm before delivery;

take a payment outside Paxtra for a transaction started on Paxtra to avoid fees or our rules;

open multiple accounts to avoid limits or restrictions;

threaten or harass other users or Paxtra staff;

try to get around holds, verification, limits or other controls; or

use bots, scrapers or other unauthorised tools on the Platform.

6. Reporting abuse

To report a prohibited listing, transaction or conduct, email support@usepaxtra.com. Include the transaction reference if there is one, a description of what happened, and any evidence. We review reports and may ask for more information. We may not be able to tell you what action we took.

7. What we may do

7.1 If we reasonably believe this policy has been broken, we may, as the Terms and the law allow: issue a warning; ask for more verification; limit or stop a transaction; restrict, suspend or close an account; refuse future service; and report the matter to payment providers or the authorities where appropriate.

7.2 The steps we take, and how we decide, follow the enforcement provisions in the Dispute Resolution Policy.

7.3 We do not take or keep a person’s funds automatically as a penalty. Any action on funds needs a valid contractual and legal basis, and follows the Terms and our payment arrangements.

7.4 Account reliability (future). If Paxtra introduces account reliability or Trust Score features in the future, verified serious violations of this policy may be taken into account under the rules in section 22.0 of the Dispute Resolution Policy. This policy does not create any such feature now.