Ethical Standards

The following restrictions and prohibitions have been defined as a part of Fluz Fluz’s policy on its ethical stance for products, services, and practices engaged in as part of Fluz Fluz partnerships. The tables below are not exhaustive, therefore Fluz Fluz may in its sole discretion make decisions on businesses, concepts, products and services that are not allowed to process via Fluz Fluz’s services. The assessment of prohibited and restricted businesses is based on:

Laws and regulations
Third party restrictions
Market individual adaptations
Risk Review

None of the prohibited items or services listed below can be processed using Fluz Fluz’s services. For items being defined as restricted, a restriction might indicate limitations in markets, products, items, volume, or marketing that can be allowed and shall not be processed without Fluz Fluz’s prior approval. In addition, all products and services that utilize card payments also need to fulfill AMEX, Mastercard and VISA Network rules.

Prohibited

Abuse of Fluz Fluz services	Content, products, marketing or services encouraging or in other ways inappropriately related to hate, violence, racism or discrimination Delivery methods that may cause suffering to animals Possession or association with sites, products or services which are contrary to these instructions Products, services or practices that encourage crime or may provide support to illegal activities, e.g., unregistered/unauthorized weapons or products and services that support extremist or terror actions or organizations. Products or services, or practices which are intended to cause danger, injury or suffering to humans or animals Trade with protected animals or plants or products originating from protected animals or plants
Adult	Prostitution and escort services, sexually oriented massage parlors; gentleman’s clubs, topless bars, and strip clubs Products or services (including images and marketing) related to pedophilia, non-consensual sexual behavior, sexual exploitation of a minor, non-consensual mutilation of a person or body part Products related to bestiality
Deceptive or unfair marketing	Negative response marketing Practices misleading or deceiving consumers or discarding or avoiding consumer protection laws Pyramid type schemes for marketing, distribution, and sales
Drugs and legally derived substances and products	Illegal drugs and substances (or substitutes to such), and products typically used for manufacturing or using such products Products or services associated with illegal drugs Pseudo pharmaceuticals Substances designed to mimic illegal drugs
Financial and legal services	Financial advice services, Financial services provided without appropriate licenses as required by law Financial services, including Down payment, Share dealing services (‘Tipser’), Short term payday loans, Tax evasion services, Timeshares
Gambling	Gambling, betting, or lotteries provided without appropriate license as required by law
High risk industries, goods and services	High risk industries, including Embassies, Foreign consulates, Get rich schemes, Penny auctions, Pyramid and Ponzi schemes
Illegal products or services	Counterfeit products and illegally acquired goods, including Copyright infringements, Services designed to promote infringements of intellectual property rights, e.g. by bonus programs for uploading unauthorized digital content and unauthorized file sharing or streaming, Unlicensed copies Goods and services, or marketing of such, violating any law Orders, services, and practices that relates to any form of illegal activity, including without limitation: money laundering, terrorist financing, human trafficking, political corruption, tax evasion and illegal wildlife trafficking Illegal business methods, practices, products, or services Practices misleading or deceiving consumers or discarding or avoiding consumer protection laws Practices or methods constituting acts of modern slavery in any part of a business or its supply chains. Such practices or methods include any deprivation of a person’s liberty to exploit them for personal or commercial gain Products and services provided without license as required by law Sanctioned goods or goods originating from sanctioned countries or individuals

Restricted

Adult	Adult, sexual, or pornographic products and services, including live web cameras
Drugs and legally derived substances and products	CBD Drug paraphernalia Nutraceuticals Pharmaceuticals
Gambling	Gambling, betting, lotteries provided without appropriate license
High risk industries, products, and services	Age restricted services or products, including Alcohol, E-cigarettes, Tobacco and tobacco substitutes High risk products, including Art and antiques, Digital downloads (e.g. film and music download/streaming) providing or hosting unethical or unauthorized content, Dual use products (that may both have a legitimate and an illegitimate use), Fireworks, In game purchases, Jewelry, Medical devices, Precious metal and gems, Prepaid phone services, Replica weapons, Soft air gun and related accessories, Self-diagnosis test for diseases, Weapons and armaments, High risk industries, including Auction houses, Charities, Marketplaces, Multi-level marketing, Pawn shops, Political organizations parties or initiatives High risk services, including File sharing, file hosting, File storage, Medical treatments and surgeries, Testing labs