International payments terms of use

This document sets out the terms governing your use of Zempler Bank (“Zempler”, “we”, “our”) international payments service (“Service”). 

1. Prohibited uses

1.1 You may use our Service for lawful purposes. You may not use our Service:

(i) in any way that breaches any applicable local, national or international law or regulation, or causes Zempler and/or any third-party provider to breach any applicable law or regulation;

(ii) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

(iii) to knowingly transmit data, send or upload any material that contains viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware;

(iv) in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.

1.2 Unsupported business and transactions

1.2.1 Our Service does not support businesses or transactions which are involved in any of the following categories outlined below. Such payment instructions may be declined. The categories outlined below are not exhaustive and we reserve our right to deny services in our discretion. The currencies available on our Service include the United States Dollars (USD) and Euros (EUR) only. 

1.2.2 Regulated or illegal products and services

(i) Adult content including pornography and other services of a sexual nature.

(ii) Payments for the sale of alcohol to retail customers.

(iii) Tobacco products.

(iv) Cannabis or any other products or services related to legal marijuana trade.

(v) Controlled substances that provide similar effects as illegal drugs.

(vi) Drug paraphernalia – any equipment, product, or material which is intended for making, using, or concealing drugs.

(vii) Pharmaceuticals.

(viii) Commodity chemicals.

(ix) Counterfeit or unauthorised goods.

(x) Gambling.

(xi) Intellectual property or proprietary rights infringement.

(xii) Products and services which are illegal in the jurisdiction they are being offered. 

1.2.3 Financial and other professional services

(i) Binary options.

(ii) Escrow services.

(iii) Companies involved in the trading of cryptocurrencies, or virtual currencies.

(iv) Marketplaces from countries outside of European Economic Area (EEA) and/or European Union (EU) or the United States of America (USA).

(v) Money service businesses involved in transmitting money, or any representation of monetary value, on behalf of third parties.

(vi) Platforms allowing the trading and/or exchanging of foreign exchange/contract for difference/options.

(vii) Shell banks.

(viii) Superannuation funds.

(ix) Syndicates.

(x) Trust and corporate service providers.

(xi) Any other financial services operating without a licence where one is required.

1.2.4 Other restricted activities

(i) Internet Protocol television and Voice over Internet Protocol services.

(ii) Individuals, entities, or countries subject to international sanctions.

(iii) Weaponry, military and semi-military goods and services.

(iv) Nonprofit organisations and charities from countries outside of Canada, EEA and/or EU, Switzerland, USA, Australia, or New Zealand. Unregistered charities are not supported from any regions.

(v) Trusts and foundations from countries outside of Canada, EEA and/or EU, Switzerland, USA, Australia, or New Zealand.

(vi) Trade of restricted and/or endangered animal species and products derived from them.

(vii) Multi-level marketing, pyramid schemes, get rich quick schemes, referral marketing. Including any other services promising unreasonably high rewards.

(viii) The United Arab Emirates-based oil, gas and shipping companies, as well as related activities.

(ix) Businesses with relations or activity directly or indirectly linked to Cuba.

(x) Surrogacy businesses.

1.3 You also agree:

(i) Not to use any part of this Service in contravention of our Terms and Conditions and Site Usage.

(ii) Changes to the international payments terms of use

(iii) We may change this international payments terms of use at any time by amending this page. We recommend that you check this page from time to time to take notice of any changes, as they are legally binding on you.