Prohibited Activities & Industries

1. Illegal activities

No user may engage with the Platform in connection with any activity that is illegal in the United States or in any jurisdiction where the Vendor or Client is located, including:

• Facilitating the sale of stolen, counterfeit, or fraudulently obtained goods;
• Unlicensed financial, lending, or debt-collection services;
• Bribery, corruption, or facilitation of either;
• Human trafficking, forced labour, or exploitation of any kind;
• Fraud, identity theft, or misrepresentation of business identity.

2. Harmful and exploitative services

Vendors may not offer, and Clients may not request:

• Websites or campaigns designed to distribute malware, ransomware, or other malicious software;
• Phishing pages or systems designed to harvest credentials or personal data by deception;
• Content that sexualises minors or targets children for exploitation;
• Hate speech platforms, extremist content distribution, or materials inciting violence;
• Doxxing, stalkerware, or covert surveillance tools.

3. Deceptive marketing

• Services whose primary purpose is to deceive consumers through false advertising or fabricated reviews;
• Click farms, bot networks, and fake engagement services for social media or advertising platforms;
• Spam services — bulk unsolicited email, SMS, or robocall systems;
• Websites impersonating legitimate businesses or government entities.

4. Unlicensed financial and investment services

• Unlicensed investment advisory, securities dealing, or trading platforms;
• Cryptocurrency exchanges, token offerings, or NFT platforms with unregistered securities characteristics;
• Multi-level marketing and pyramid schemes;
• Ponzi schemes and “guaranteed return” programmes of any kind.

5. Gambling and wagering

• Online casinos, sports betting, and real-money gaming platforms unless the operator holds a valid licence in every jurisdiction served;
• Unlicensed lotteries, sweepstakes, and contests of chance involving payment for entry.

6. Controlled substances and restricted products

• Marketing, websites, or SEO services for controlled substances or prescription drugs sold outside licensed pharmacy channels;
• Cannabis and CBD businesses (regardless of state-level legalisation) due to federal law constraints;
• Services for firearms dealers who lack the required federal and state licences.

7. Adult and explicit content

• Pornographic or sexually explicit content platforms or marketing;
• Escort, adult companionship, and sexually oriented service marketing;
• Any content platform that distributes explicit material to users without robust age verification.

8. Intellectual property infringement

• Services whose primary purpose is to produce counterfeit or replica branded goods;
• Distribution of pirated software, media, or other copyrighted works;
• Reproducing or closely imitating a competitor's protected brand identity or website without authorisation.

9. Prohibited jurisdictions

KibaPay does not knowingly onboard or provide services to users primarily operating in jurisdictions subject to comprehensive U.S. sanctions administered by the Office of Foreign Assets Control (OFAC), including:

• Cuba
• Iran
• North Korea (DPRK)
• Syria
• The Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhia regions of Ukraine

All users and their principals must not appear on the OFAC Specially Designated Nationals (SDN) list or other applicable sanctions lists.

10. Consequences

If KibaPay determines that a Vendor or Client has misrepresented their business or intended use, or is operating in a prohibited category, KibaPay may immediately suspend or remove the account, cancel active Projects, and retain applicable fees. KibaPay may also report the activity to relevant authorities where required by law.

11. Questions

If you are unsure whether your business or project is permitted on the Platform, contact hello@kibapay.net before listing or engaging.