Prohibited Businesses

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You must not use Elective’s services for any illegal activities or for the businesses or product types listed below. The following categories of businesses, business practices, and course and coaching subject matter are prohibited from using the Elective Service ("Prohibited Businesses"). Prohibited Business categories may be imposed through Network Rules or the requirements of our Financial Services Providers. The list below is representative, but not exhaustive. If you are uncertain as to whether your business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us at

Prohibited Businesses (Products, Services, and Course and Coaching Subject Matter)

Illegal or High-risk Items, activities, services, courses, and/or coaching subject matter:

  • Any illegal or unlawful goods or services or that encourage, promote, facilitate, or instruct others to engage in illegal activity.

  • Escort & Bride catalogs, sexual services, mail order brides, prostitution

  • Resellers without proof of agreements – if you are a reseller of a product or service you must obtain the appropriate reseller certificate or permission.

  • Foreign Currency Exchange services or software, binary options

  • Live animals, Human body parts/fluids/remains (excluding hair pieces)

  • Items that include computer viruses, worms, trojan horses, dishonest adware, crimeware, unauthorized rootkits, and other malicious and/or illegal software.

  • Medical Benefit Packages, discount medical cards, Medical/therapy services, medical consultation services, dental plans

    • Are there definable outcomes that you understand? And can the root of the success or failure be easily identified? (e.g. reason why someone's gut health did or did not improve)

  • Are the services to deliver medical advice to an end consumer? If so, this would be a decline.

  • Marketing language saying "You've tried everything and nothing works" is a red flag and indicates non-traditional medical practices

  • Unapproved drugs, and devices mimicking illegal drugs

  • Phone unlock services, Jail breakers

  • Pornography and adult content; and/or featuring rape/violence/bestiality and/or all other illegal sexual content.

  • Products that infringe or violate copyright, trademarks, privacy, IP rights

  • Rape/Violence

  • Replica, branded name knock-off products, stolen/recalled property, Counterfeit goods

  • Satellite, Cable signal decoders/cards

  • Sites promoting hatred, racism, religious persecution or contain offensive content

  • Virtual Credit

  • Virtual gaming chips, credits, penny auctions, auctions with non-refundable bid or participation fees

  • Weapons, Firearms, ammunition, explosives, hazardous materials, combustibles, knives

  • Speculative fulfillment (e.g. Crowdfunding)

  • Institutions of Higher Education as defined in Higher Education Act of 1965 (20 U.S.C 1019)

  • Physical goods of any kind

  • Financial consulting services (e.g. Registered Financial Advisor)

Abuse of Elective Service and Other Unfair, Predatory, or Deceptive Business Practices

  • Multi-level marketing (pyramid schemes, network marketing, and referral marketing programs)

  • Hustle businesses (history of not delivering goods and/or services promised at time of purchase or overwhelming negative online reviews)

  • Use of Elective in a manner that is inconsistent with its intended use or as expressly prohibited in the Terms of Service (use of Elective where there is no bona fide good or service sold; evasion of card network chargeback monitoring programs; sharing Elective user data with another merchant for cross-selling product or service)

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