Last Updated: March 1st 2025
Use of the Services is subject to this Acceptable Use Policy (the “AUP”). Capitalized terms have the meaning stated in the Terms of Service.
As a condition of your use of the Services, you agree not to, and not to allow third parties to, use the Services in connection with any General Restrictions, Restricted Activities or Restricted Transactions.
access or attempt to access non-public Billfold systems, programs, or data;
work around any of the technical limitations of the Services or enable functionality that is disabled or prohibited or disable, interfere with or circumvent any aspect of the Services;
copy, reproduce, republish, upload, post, transmit, resell, or distribute in any way, any data or content.
perform or attempt to perform any actions that would interfere with the normal operation of the Services or affect use of the Services; or
intentionally distribute viruses, worms, Trojan horses, corrupted files, hoaxes, or other items of a destructive or deceptive nature.
violates any law;
violates any rule or regulation of Visa, Mastercard, American Express, PayPal, BrainTree Payment Services or any other payment network supported by the Service;
violates the rights of any third party;
causes or threatens reputational damage to Billfold or its affiliates; or
creates a significant risk of chargebacks, penalties, damages or other harm or liability.
aggregation or factoring, whether licensed or unlicensed
airlines (exceptions apply if you get our prior written approval)
bail bonds
bankruptcy lawyers
bidding fee auctions
business or investment opportunity sales
chain letters
check cashing, wire transfers or money orders
collection agencies
counterfeit goods or any product or service that infringes upon the copyright, trademark or trade secrets of any third party
credit card and identity theft protection
credit counseling, repair or protection services, or mortgage consulting or reduction services
cruise lines
currency exchanges or dealers
decryption and descrambler products designed to circumvent intellectual property rights or protections, including mod chips
door-to-door sales
drug paraphernalia
embassies, foreign consulates or other foreign governments
essay mills
evading card association chargeback monitoring programs
extended warranties
real estate purchases with no money down
flea markets
fortune tellers
gambling (including but not limited to lotteries, Internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase goods or services) (exceptions apply in some countries and if you get our prior written approval)
“get rich quick” schemes
human hair, fake hair or hair-extensions
loan modifiers
mail-order brides
marijuana dispensaries and related businesses
membership subscriptions
money transmitters or money service businesses
multi-level marketing or pyramid schemes
negative response marketing
offering substantial rebates or special incentives to the cardholder subsequent to the original purchase
online or other non-face-to-face pharmacies or pharmacy referral services
online or other non-face-to-face tobacco or e-cigarette sales
personal computer technical support (exceptions apply if you get our prior written approval )
prepaid phone cards, phone services or cell phones
pseudo pharmaceuticals
products/services that promote hate, violence, harassment or abuse, if illegal
quasi-cash or stored value
securities brokers
sexually-oriented or pornographic products or services
sharing cardholder’s data with another merchant for payment of up-sell or cross-sell products or services
shipping or forwarding brokers
social media activity sales (such as sales of Twitter followers, Facebook likes or Youtube views)
sports forecasting or odds making
prescription drugs, illegal drugs or substances designed to mimic illegal drugs
telecommunications equipment and telephone sales
telemarketing
timeshares
tour operators (exceptions apply if you get our prior written approval)
travel agencies or travel clubs (exceptions apply if you get our prior written approval)
virtual currency or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world
weapons and munitions
entertainment venues including but not limited to nightclubs, bars
pre-payment services.
