Prohibited and Restricted Activities

Revised October 17, 2025

The examples listed below are not exhaustive and we reserve the right to modify or update the lists below at any time by posting a revised version to our website. The revised version will be immediately effective upon posting. If we determine in our sole discretion that you engage or have engaged in activities that are illegal, may harm others or our reputation or operations, or violate our or others rights, including by engaging in any of the activities below or authorizing or helping others to do so, we may deny, terminate, or suspend your use of the Services. This list is not exhaustive and other activities may require you to provide additional information or may make you ineligible for certain Services.

Prohibited Activities List

• Financial or Reporting Entities, including Money Services Businesses (MSBs), domestic correspondent banking and non-bank financial institutions
• Cryptocurrency, crypto-assets and other blockchain-related activities
• Production, sale, or distribution of de-scramblers, modification chips, jammers or signal blocking devices
• Illegal sale of prescription drugs (including Amyl Nitrite Inhalants) or tobacco products
• Production, sale, or distribution of online Firearms, tobacco, other age restricted goods/services
• Marijuana, CBD and related products
• Illegal sale of drugs based on Schedule I of the Controlled Substances Act (CSA) or under the Criminal Code (Canada), including psilocybin Mushrooms and Spores
• Smoke bars, hookah lounges, or businesses primarily engaged in on-premises consumption of tobacco or vaping products
• Psychoactive herbal products (i.e., fly amanita, agaraic, kava kava, kratom), K2; Salvia Divinorum; synthetic cannabinoids and stimulants; 
• Illegal weapons (face to face or online)
• Precious metals, gemstones and jewlery 
• Mining and extraction industries, including exploration, drilling, and production activities related to oil, gas, minerals, and other natural resources
• Military-grade security
• Speculative trading
• Goods and Services Violating intellectual property rights (Piracy)
• Counterfeit merchandise
• Other illegal products, services & peripherals (drug paraphernalia)
• Fake IDs and fraudulent government documents
• Adults only/pornographic products, Phone sex, services, mail-order brides, escort services 
• Adult material: sexual violence, non-concentual, mutilation, bestiality, child pornography
• Gambling or betting activities, including sports wagering, online casinos, and lottery operations
• Collection agencies
• Money Transfer - Payday loans/cash advance
• Mortgage reduction services
• Credit repair/protection services
• Carbon credits
• Financial Instruments i.e., stock, bonds, trading, foreign exchange services
• Pyramid schemes or other unsustainable business models
• Timeshares
• Memberships beyond 1 year in length
• Concierge services
• Merchants in bankruptcy/insolvent status
• Multiple or undefined business models
• Deceptive marketing and fraudulent products
• Get rich quick scams
• Door to door sales: high pressure sales, unproven claims
• Products with unrealistic guarantees
• Deceptive internet free trials, recurring billing, negative renewal, misleading trial periods, deceptive refund policy
• Pawnbrokers/pawnshops 
• Political organizations
• Businesses not registered in Canada.
• Purchasing goods at a merchant or processor owned, controlled or operated by you or an agent, owner or associate of your business. This includes paying invoices issued by you, your business, agents or affiliates through services such as Quickbooks, Stripe, Paypal, Square, or other merchant processing tools. Such purchases will be considered a violation of this agreement
• Unregistered charities or fundraising entities, including not-for-profit organizations without formal registration or regulatory approval
• Businesses incorporated or primarily operating in the province of Quebec 
• Gift card, prepaid card, or stored-value instrument providers and related services
• Businesses facilitating, promoting, or servicing illegal goods or activities
• Payable-through account providers or entities offering indirect account access services

Violent or Hateful Activities

• Intentionally promoting, supporting, or perpetrating (1) violence or physical harm or (2) hate toward any group or individual based on race, religion, disability, gender, sexual orientation, gender identity, national origin, immigration status, or any other legally protected characteristic under federal or state law, determined by Keep at its own discretion.

Restricted Activities List

Companies that are engaged in the following activities or businesses may be required to provide additional information or documentation or may be ineligible for certain Services:

• Businesses dealing with age restricted products such as tobacco, firearms, and drug stores
• Outbound telemarketing and other Direct Marketing businesses
• Oil, gas and mining industries
• Activities indirectly related to Cryptocurrency and blockchain-related
• Scrap metal traders

Please contact us if you are unsure whether your business or activities are permitted by Keep.