Acceptable Use Policy - Anton Payments

1. Introduction

This Acceptable Use Policy ("AUP") sets forth the rules and guidelines for using Anton Payments services. By using our services, you agree to comply with this AUP. Violations of this AUP may result in suspension or termination of your account and access to our services.

This AUP is incorporated by reference into our Terms of Service and Master Services Agreement. Capitalized terms used but not defined in this AUP have the meanings given to them in those agreements.

2. Prohibited Activities

You may not use our services to engage in any of the following prohibited activities:

2.1 Illegal Activities

Money laundering, terrorist financing, or other financial crimes
Fraud, theft, embezzlement, or other criminal activities
Violation of any applicable laws, regulations, or industry standards
Processing payments for illegal goods or services
Tax evasion or other violations of tax laws
Violations of sanctions or embargoes

2.2 Prohibited Business Types

You may not use our services for the following types of businesses or activities:

Gambling and Gaming: Online gambling, sports betting, casinos, or other gaming activities where prohibited by law
Adult Content: Pornography, adult entertainment, or other adult content where prohibited by law
Weapons and Ammunition: Sale of firearms, ammunition, or other weapons
Controlled Substances: Sale of illegal drugs, prescription drugs without proper authorization, or other controlled substances
Counterfeit Goods: Sale of counterfeit, pirated, or stolen goods
Pyramid Schemes: Multi-level marketing or pyramid schemes
Debt Collection: Aggressive or illegal debt collection practices
Cryptocurrency Exchanges: Unregulated cryptocurrency exchanges or trading platforms (regulated exchanges may be permitted subject to review). This restriction concerns the nature of a merchant’s own business. It does not restrict Anton’s stablecoin and crypto payout rails, which are a supported means of executing a payout on a merchant’s behalf.
Forex Trading: Unregulated foreign exchange trading platforms
High-Risk Financial Services: Payday loans, title loans, or other high-risk lending activities without proper licensing

2.3 Fraud and Abuse

Creating fake accounts or using false identities
Processing fraudulent or unauthorized transactions
Using stolen bank account details or payment instruments
Phishing, spoofing, or other social engineering attacks
Identity theft or impersonation
Circumventing security measures or fraud detection systems

2.4 Intellectual Property Violations

Infringing on copyrights, trademarks, patents, or other intellectual property rights
Distributing pirated software, music, movies, or other copyrighted content
Using our services to facilitate intellectual property infringement

2.5 Harmful or Offensive Content

Hate speech, harassment, or discrimination
Threats of violence or harm
Child exploitation or abuse
Defamation or libel
Content that promotes illegal activities

2.6 Technical Abuse

Attempting to gain unauthorized access to our systems, accounts, or data
Interfering with or disrupting our services, servers, or networks
Using automated systems (bots, scrapers) to access our services without authorization
Reverse engineering, decompiling, or disassembling our services
Transmitting viruses, malware, or other harmful code
Conducting denial-of-service (DoS) attacks or distributed denial-of-service (DDoS) attacks
Exploiting security vulnerabilities
Excessive API usage that degrades service performance

2.7 Misuse of Services

Using our services in a manner that violates our Terms of Service
Circumventing transaction limits or restrictions
Creating multiple accounts to evade limits or restrictions
Reselling or sublicensing our services without authorization
Using our services to compete with us or build competing products
Collecting or harvesting information about other users without consent

3. Compliance Requirements

You must comply with all applicable laws and regulations, including:

Anti-Money Laundering (AML): Comply with PCMLTFA (Canada) and BSA (United States) AML requirements
Know Your Customer (KYC): Cooperate with Anton's KYB/KYC verification procedures and provide accurate information
Sanctions: Comply with Canadian sanctions (SEMA, JVCFOA), OFAC sanctions, and other applicable sanctions programmes
Data Protection: Comply with GDPR, CCPA, and other data protection laws
Tax Laws: Comply with tax reporting and withholding requirements
Licensing: Obtain and maintain all necessary licenses and permits

4. Restricted Activities

The following activities are restricted and may require prior approval or additional documentation:

High-volume or high-value transactions
Transactions involving high-risk countries or regions
Certain types of recurring payments or subscriptions
Transactions involving unhosted-wallet transfers, mixing or tumbling services, or privacy coins. Payouts executed over Anton’s own stablecoin and crypto rails are a core supported service and are not restricted by this clause.
Transactions for regulated industries (healthcare, financial services, etc.)
Cross-border transactions to certain jurisdictions

If you plan to engage in any restricted activities, please contact us in advance to discuss requirements and obtain necessary approvals.

5. Monitoring and Enforcement

We actively monitor our services for violations of this AUP. We may:

Review transactions, accounts, and activities for compliance
Use automated systems to detect suspicious or prohibited activities
Request additional information or documentation from you
Conduct compliance audits
Report violations to law enforcement or regulatory authorities

6. Consequences of Violations

Violations of this AUP may result in:

Warning: Written warning for minor or first-time violations
Suspension: Temporary suspension of your account or specific services
Termination: Permanent termination of your account and access to our services
Legal Action: Referral to law enforcement or regulatory authorities
Financial Penalties: Assessment of fees or penalties for violations
Reserve Requirements: Requirement to maintain additional reserves

We reserve the right to take any action we deem necessary to protect our services, users, and comply with legal obligations. We may take action immediately and without prior notice in cases of serious violations or threats to security.

7. Reporting Violations

If you become aware of any violation of this AUP, please report it to us immediately at abuse@antonpayments.com. We will investigate all reports and take appropriate action.

8. Changes to This Policy

We may update this AUP from time to time. Material changes will be communicated to you by email or through our platform. Your continued use of our services after such changes constitutes acceptance of the updated AUP.

9. Contact

For questions about this Acceptable Use Policy, please contact:

Anton Payments, Inc.
Compliance Department
Email: compliance@antonpayments.com