Acceptable Use Policy

By accessing or using the payment processing services (the “Payment Services”) provided by ACHQ, Inc., you agree to comply with the terms and conditions of this Acceptable Use Policy.

[1] Restricted Activities

 

  • Customers Who Pose Reputational Risk:
  • Including, but not limited to:
  • Payday Lenders (state mandated usury laws)
  • Predatory Lending Businesses
  • Businesses with practices that can be construed to be unfair or deceptive
  • Cultivators, manufacturers, or sellers of a controlled substance (including marijuana)
  • Call lines
  • “Chat” or “Gossip” lines
  • Horoscopes and Fortune telling
  • Dating & Escort Services
  • Internet Gambling
  • Sweepstakes
  • Sports forecasting / Odds Making / Lotteries
  • Off-Track Betting

 

  • Sexually Oriented and Pornographic Businesses, Materials & Services
  • Adult Telephone Conversations/Audio Text (900 Numbers)
  • Adult Book and Video Stores
  • Adult Novelties
  • Adult At-Home Parties (i.e. Passion Parties)
  • Gentlemen’s Clubs
  • Massage Parlors

 

  • Customers Whose Product / Service May be Illegal Based on Local, State, or Federal Regulations
    • Including, but not limited to:
  • Age-Restricted Products (i.e. alcohol) sold via e-commerce without proper means of age verification
  • Tobacco Products sold via e-Commerce (without requiring or proper means to validate age)
  • Prescription Medications sold via e-Commerce (without requiring or proper means to validate a prescription
  • Wire Transfers marketed via eCommerce (without proper Anti-Money laundering policies / practices)

 

  • Customers Whose Domiciled or Home Country is an OFAC Sanctioned Country

[3] Actions by ACHQ

If, in our sole discretion, we believe that you may have engaged in any violation of this Acceptable Use Policy, we may (with or without notice to you) take such actions as we deem appropriate to mitigate risk to ACHQ and any impacted third parties and to ensure compliance with this Acceptable Use Policy. Such actions may include, without limitation:

  • a. Blocking the settlement or completion of one or more payments;
  • b. Suspending, restricting or terminating your access to and use of the Payment Services;
  • c. Terminating our business relationship with you, including termination without liability to ACHQ of any payment service agreement between you and ACHQ;
  • d. Taking legal action against you;
  • e. Contacting and disclosing information related to such violations to (i) persons who have purchased goods or services from you, (ii) any banks or regulatory agencies involved with your business or transactions, (iii) law enforcement or regulatory agencies, and (iv) other third parties that may have been impacted by such violations; or
  • f. Assessing against you any fees, penalties, assessments or expenses (including reasonable attorneys’ fees) that we may incur as a result of such violations, which you agree to pay promptly upon notice.

[4] Amendments

This Acceptable Use Policy may be amended by ACHQ at any time by posting a new version of it to our website. By accessing or using the Payment Services after a new version is posted, you agree to all amendments reflected therein.

Last revised: August 12, 2020