ACCEPTABLE USE POLICY

1. Introduction

This Acceptable Use Policy (“Policy”) sets out the activities, businesses, and practices that are not permitted when using the payment services (“Services”) provided by Fireantpay (UK) Limited (“the Company”, “we”, “us”, or “our”).

This Policy forms part of our Terms and Conditions and applies to all customers, users, and counterparties using our Services. It is designed to protect consumers, our partners, and the integrity of the UK financial system, and to ensure compliance with applicable laws and regulatory requirements.

The Company is authorised and regulated by the Financial Conduct Authority (FCA) as an Authorised Payment Institution under the Payment Services Regulations 2017.

2. General Principles

You must not use our Services for any purpose that:

Is illegal, fraudulent, deceptive, or unethical;

Violates any applicable law, regulation, or regulatory guidance (including FCA, HMRC, and OFSI rules);

Involves money laundering, terrorist financing, sanctions evasion, or other financial crimes;

Infringes the rights of any person, including intellectual property, privacy, or data protection rights;

Could expose us, our partners, or our customers to reputational or regulatory risk.

We may refuse to process, suspend, or terminate any account or transaction that we reasonably believe violates this Policy or applicable law.

3. Prohibited Activities

You may not use the Services to accept or make payments in connection with any of the following activities, businesses, or products.

3.1. Illegal or Criminal Activities

Money laundering, terrorist financing, or tax evasion;

Sale or distribution of counterfeit goods, stolen property, or unauthorised copies of copyrighted material;

Unlawful trade, smuggling, or evasion of customs duties;

Transactions intended to disguise the source or ownership of funds;

Activities involving persons or entities subject to UK, EU, UN, or US sanctions.

3.2. Financial Services and Investment-Related Activities

Provision of regulated financial services without appropriate authorisation (e.g. investment management, lending, remittance, or crowdfunding);

Trading or dealing in securities, derivatives, or other financial instruments unless properly licensed;

Use of our Services for the operation of unlicensed payment services, money service businesses, or bureaux de change;

Virtual asset or crypto-related businesses (including exchanges, wallets, ICOs, and token sales) unless explicitly approved by us and compliant with applicable FCA guidance.

3.3. Gambling and Gaming

Online casinos, betting, lotteries, or games of chance unless authorised by the UK Gambling Commission and approved by us;

Unlicensed prize draws or sweepstakes.

3.4. Adult and Obscene Material

Pornography, adult content, or adult entertainment services;

Sex work, escort services, or sexual health products marketed inappropriately;

Sale or distribution of obscene or indecent materials.

3.5. Controlled or Dangerous Goods

Narcotics, controlled substances, or drug paraphernalia;

Prescription drugs without valid authorisation;

Weapons, ammunition, explosives, or military-grade equipment;

Fireworks, hazardous chemicals, or materials subject to export controls.

3.6. High-Risk or Unethical Products

Tobacco, e-cigarettes, or vaping products;

Multi-level marketing, pyramid, or Ponzi schemes;

Unlawful debt collection, payday loans, or predatory lending;

Products or services that promote discrimination, hate, or violence;

Sale of endangered species or products derived from them;

Transactions supporting political, religious, or charitable causes not in compliance with applicable law or charity regulations.

4. Other Restricted Uses

You may not use our Services to:

Engage in false or misleading advertising, misrepresentation, or unfair business practices;

Exploit vulnerable consumers or misuse personal data;

Circumvent transaction monitoring, limits, or account verification processes;

Create multiple accounts for the purpose of evading controls or restrictions;

Abuse chargeback processes, refunds, or dispute systems;

Introduce malware, phishing content, or engage in hacking or data scraping.

5. Compliance Obligations

All users of our Services are subject to Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements. You must:

Provide true, accurate, and complete information during onboarding and throughout your relationship with us;

Notify us promptly of any changes to your business activities, ownership, or risk profile;

Cooperate with reasonable requests for information or documents relating to compliance checks or investigations.

Failure to comply may result in suspension or termination of your account.

6. Enforcement and Consequences

We may take any of the following actions if we suspect or confirm a breach of this Policy:

Decline or reverse a transaction;

Suspend or terminate your account or access to our Services;

Restrict withdrawals or freeze funds in accordance with applicable law;

Report your activities to law enforcement, regulators, or other authorities;

Recover any damages or losses arising from your breach.

7. Reporting Violations

If you suspect a violation of this Policy, please contact our Compliance Department:

Email: compliance@mymoney.co.uk

We review all reports seriously and may take appropriate action as required by law or regulation.

8. Amendments

We may update or amend this Policy from time to time. Updates will take effect upon publication on our website, unless otherwise stated. Continued use of our Services after any changes constitutes your acceptance of the revised Policy.

Fireantpay (UK) Limited
Authorised by the Financial Conduct Authority under the Payment Services Regulations 2017
FCA Firm Reference Number: 827577
Registered Office: 8th Floor, St. Clare House, 30-33 Minories, London, EC3N 1DD, UK
Company Number: 08362417