Acceptable Use Policy

Last Updated: 10/11/2025

This Acceptable Use Policy (“Policy”) sets forth the rules governing the use of Kashu, Inc.’s products, services, and platforms (collectively, the “Services”). The Policy is designed to ensure that all activity conducted through Kashu’s systems complies with applicable laws, card network rules, and industry best practices.

You are independently responsible for complying with all applicable federal, state, and local laws in all of your actions related to your use of Kashu’s Services, regardless of the purpose of such use. In addition, you must adhere to the terms of this Policy and the Kashu Terms of Service. Any violation of this Acceptable Use Policy constitutes a violation of the Terms of Service and may result in suspension or termination of your account.

Kashu reserves the right to amend or update this Policy at any time. Any changes will be posted on our website, and continued use of the Services constitutes acceptance of those changes.

1. Scope

This Policy applies to all users of Kashu’s Services, including individuals, businesses, partners, affiliates, developers, and any other parties accessing Kashu’s products, APIs, or integrations. It also applies to any transactions processed, initiated, or received through Kashu’s systems.

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2. Prohibited Activities

You may not use the Kashu Service for activities that violate any law, statute, ordinance, regulation, or card network rule. Without limitation, you may not use the Services for transactions that:

(a) Involve Illegal or Restricted Products or Services

Include, relate to, or facilitate:

• Narcotics, steroids, certain controlled substances, or other products that present a risk to consumer safety;
• Drug paraphernalia;
• Cigarettes or tobacco-related products where restricted by law;
• Items or content that encourage, promote, or instruct others to engage in illegal activity;
• Stolen goods (including digital goods, virtual assets, or access credentials);
• Items that promote hate, violence, racial or other forms of discriminatory intolerance, or the financial exploitation of a crime;
• Obscene or indecent materials, or sexually explicit content or services;
• Items that infringe upon or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under any jurisdiction;
• Ammunition, firearms, firearm parts, or accessories;
• Weapons, knives, or similar items regulated under law;
• Unlawful high-yield investment programs, securities sales, or debt instruments.

(b) Relate to Fraud, Misrepresentation, or Unfair Practices

Include transactions that:

• Misrepresent the nature of your business, products, or services;
• Falsify or omit material information to Kashu, its partners, or regulators;
• Facilitate pyramid or Ponzi schemes, matrix programs, “get rich quick” schemes, or certain multi-level marketing programs;
• Involve fake, altered, or stolen identities, accounts, or payment instruments;
• Circumvent Kashu’s KYC, AML, fraud detection, or transaction monitoring systems;
• Impersonate Kashu or another entity;

(c) Involve Financial or Regulatory Evasion

Include activities that:

• Involve unlicensed money transmission or remittance services;
• Are associated with currency exchange, check cashing, or off-shore banking;
• Are designed to finance or refinance debts funded by a credit card;
• Support corruption, bribery, or political influence payments;
• Violate U.S. economic sanctions or involve any party listed by OFAC or other restricted-party lists;
• Facilitate tax evasion or concealment of financial activity.

(d) Involve Unsafe or Unregulated Commerce

Include transactions that:

• Sell products or services before the seller has possession or control;
• Violate consumer protection, data protection, or lending laws;
• Involve the sale of counterfeit or “grey market” goods;
• Are associated with products identified by regulators as fraudulent or high-risk;
• Facilitate transactions for merchants engaged in illegal or prohibited activities through third-party payment processors.

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3. Activities Requiring Kashu Pre-Approval

Certain activities may be permissible only with Kashu’s prior written approval and may require enhanced underwriting, documentation, or licensing verification.

You must obtain Kashu’s written consent before using the Services in connection with:

• Transportation - Airlines, air charter services, air taxi operations, or scheduled/non-scheduled passenger transport.
• Charitable / Non-Profit - Accepting dontations as a registered charity or non-profit organization.
• High Value Goods - Dealing in jewels, precious metals, or stones.
• Gambling, Gaming, or Contests - Gambling, betting, lotteries, sweepstakes, fantasy sports, or other prize based activities, even if lawful.
• Prescription or Medical Products - Sale or fulfilment of any item requiring a prescription, or providing medical consultation or telehealth services.
• Adult or Mature Content - Digital adult content, live streaming, or adult entertainment, including webca, or subscription platforms.
• Online Dating or Relationship Services - Dating or matchmaking platforms facilitating personal or romantic relationships.
• Live Streaming / Broadcasting - Platforms or services involving user-generated live video, audio, or interactive content.
• File Sharing / Data Storage - Cyberlockers, remote file sharing, or storage platforms allowing public upload or download.
• Alcohol or Tobacco Sales - Any product containing alcohol, tobacco, e-cigarettes, or vaping supplies.
• Multi-Level Marketing Direct Sales - MLM or DSO models requiring recruitment for compensation or advancement.
• Marketplaces and Aggregators - Any e-commerce platform enabling third-party sellers to list or sell products or services.

Failure to obtain Kashu’s prior written approval for these activities constitutes a violation of this Policy.

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4. Users Responsibilities

Your agree to:

• Use Kashu’s Services only for legitimate, lawful purposes;
• Provide true, accurate, and complete information during onboarding and transaction activity;
• Comply with all applicable laws, including the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, and card network rules;
• Maintain appropriate records for all transactions;
• Avoid any activity that could damage, disable, or interfere with Kashu’s infrastructure or reputation.

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5. Monitoring, Compliance, and Enforcement

We may update this Cookie Policy periodically to reflect:

Kashu actively monitors transactions for suspicious or prohibited activity. Kashu reserves the right to suspend, restrict, or terminate your access to the Services, hold or reverse funds, or report activity to law enforcement, card networks, or regulatory agencies if it reasonably suspects a violation of this Policy or any applicable law.

Kashu may request additional information, including invoices, identification, source of funds, or business documentation, at any time to verify compliance.

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6. Reporting Violations

Users, partners, or third parties may report violations of this Acceptable Use Policy by contacting:

‍Email: help@kashupay.com

If you are uncertain whether your use of the Services complies with this Policy, you should contact Kashu’s Support team for clarification before engaging in the activity.

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7. Enforcement Actions

Violations of this Policy may result in immediate account suspension, permanent termination, forfeiture of funds, investigation by regulatory authorities, and legal action. Kashu may also recover losses or damages caused by your prohibited or negligent conduct.

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8. Relationship to Other Policies

This Policy forms part of the Kashu Terms of Service and works in conjunction with the Privacy Policy, and other published Kashu compliance documents. Where inconsistencies arise, Kashu’s Terms of Service shall prevail unless otherwise stated by law.

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10. Contact and Amendments

Questions regarding this Policy or its application should be directed to Kashu’s Help Center. Kashu reserves the right to update this Policy at any time. Updates will be effective upon posting to the website.