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The Prohibited Product List (“PPL”) describes the acceptable use of the services provided to Clovo-Works users and customers by Clovo-Works. Clovo-Works may decline, suspend, or terminate your use of Clovo-Works services in accordance with the PPL. The PPL below outlines several categories of services or products that Clovo-Works will not support. Please review this policy and ensure that your business practices, products and services are compliant with this PPL. Please note that Clovo-Works has the right to update and modify this PPL at any time without prior notice. The list of Prohibited Products and Services listed below is merely representative, but not exhaustive. In other words, your business practices, products and services may not be approved by Clovo-Works regardless of whether they appear below.

By signing up for a Clovo-Works account, you agree that you will not use Clovo-Works services to accept payments for sale of any Prohibited Products.

Prohibited Products List

  • Adult Entertainment (Sexually Oriented)
  • Audio/video text (file sharing, video streaming)
  • Buyers’ Clubs
  • Cash Gifting
  • Chain Letters
  • Cultural artifacts, Antiquities, and Native American Artifacts
  • Cyberlockers
  • Dating/Social networking
  • Direct Marketing- Subscription Sellers
  • Drug Paraphernalia
  • Embassy, Foreign Consulate, or Other Foreign Government, Visa assistance
  • Employment Agencies
  • Essay/Thesis writing services
  • Extended warranty companies
  • Financial Services or Advice (including but not limited to)
  • Check cashing
  • Collection agencies or firms involved in recovering/collecting past due receivables
  • Credit card protection (including identity theft protection)
  • Credit Counseling or Credit Repair Services
  • Currency exchange
  • Debt consolidation
  • Money transfer services/Cash Advance (except for regulated Financial Institutions which are acceptable)
  • Quasi Cash Firearms, Ammunition, High Capacity Magazines, Weapons (Swords, Knives, etc.)
  • Fulfillment Centers
  • Future services (merchants that provide investment on future maturity goods or services -greater than 4 months for delivery- with an intention of gaining return on investment (e.g., wines/spirits or timber investment))
  • Gambling, including Prognostication, Lotteries, Raffles, Contests, and sweepstakes
  • “Get-rich-quick” schemes (wealth management, income potential oriented)
  • Hypnosis and/or subliminal recordings or consultation
  • Illegal and Potentially Illegal Products/Services
  • Inbound Telemarketing Companies that receive calls as the result of post cards or similar mailings (as opposed to catalog or media advertising)
  • Infomercial Sellers
  • Internet Pharmacies
  • High Risk Marketing content
  • Products promoting healing claims, health/ anti-aging benefits, affiliations with any religious blessings and lucky charms
  • Branded / Trademark protected products in the absence of reseller rights Parodies
  • Images, logos, designs of existing protected intellectual property
  • Celebrity images/names used in product advertisement
  • Courier/shipping and delivery services
  • NGO (donation websites, non-profit-excluding USA) Crowdfunding
  • Contractors (handyman repairs, heating, electrician, construction, landscape)
  • Beauty Salons (hairdressers, Aesthetics)
  • Free websites (i.e. Facebook, blogs)
  • Internet Pharmacy Referral Sites
  • Legal services and/or advice
  • Loan or Mortgage Modification
  • Market Research Reports
  • Matrimonial sites, “Find-A-Bride”, etc.
  • Medical Benefits packages
  • Medical Marijuana
  • Medical Services, Advice and/or Devices
  • Multi-Level Marketing Companies
  • Negative response marketing techniques by any type of seller (i.e. customer is automatically charged if they don’t return the merchandise at the end of the free trial period)
  • Newsgroups and/or file sharing services
  • Non-Accredited Certification Test Exams, Academic Degrees, or Diplomas
  • Offering a Free Gift, Prize or Contest/Sweepstakes entry as an inducement to purchase their product or service
  • Online Gaming and In-Game Items (Minecraft)
  • Outbound Telemarketing Companies
  • Payment Service Providers
  • Phone unlocking/”jailbreaking”, modification chips, unlock codes
  • Police and other Government Identification and Equipment
  • Pre-Adult Content- Pictures, Videos, etc. of individuals under the age of 18
  • Pre-Paid Phone Card or Services
  • Prescription Drugs/Devices, Controlled Substances, Unapproved Drugs, Unapproved Medical Devices,
  • Products that promote or facilitate illegal activity
  • Pseudo-pharmaceuticals (anti-aging pills, sex nutrients, herbal supplements, protein powder supplements)
  • Psychic or astrological readings/consultation
  • Radar and/or cellular jammers or boosters
  • Remote Access Services / Technical Support
  • Replica and/or unlicensed branded goods
  • Sellers offering Substantial Rebates or Special Incentives that are awarded to the cardholder subsequent to the original purchase
  • Selling Products/Services as an Agent for a Third Party
  • Sites that promote Hatred, Racism, or Religious Persecution
  • Social Media Advertising (excluding Social Media Management)
  • Sports forecasting or odds-making
  • Telecommunications industry (including Local and Long-Distance Calls, Credit Card Calls, Calls Through Use of Magnetic-Stripe-Reading Telephones, and Fax Services)
  • Tobacco Products, Smoking Mixtures, or Tobacco Substitutes, e-cigarettes, vape accessories
  • Travel Services, including Airfare, Cruises, and Car Rentals
  • “Up-Sell” Sellers
  • Wigs, Hairpieces, Toupees (including false eye lashes, extensions)

Business consultancy

Relate to transactions that (a) show the personal information of third parties in violation of applicable law or platforms that facilitate the publication and removal of content (such as mug shots), where the primary purpose of posting such content is to cause or raise concerns of reputational harm

Sell any product, service or activity that is deceptive, misleading, predatory, prohibited by one or more Card Networks, or that provides no added benefit to the buyer (this being determined by Clovo-Works in its sole discretion).

Sell any product or service enabling consumers to circumvent locks, programming codes or security features or manufacturer protections (illegally circumventing other copyright protection devices), or certain geographic or IP-based restrictions

Sell malware and including, but not limited to, computer viruses, worms, trojan horses, spyware, dishonest adware, crimeware, unauthorized rootkits, and other malicious and unsolicited software.

Involve the sales of activities that are identified by government agencies as having a high likelihood of being fraudulent.

As per International regulations, Clovo-Works does not support business to and from any banned countries including, without limitation, countries that appear on certain lists provided by the United States Department of the Treasury, Office of Foreign Assets Controls. You may view these lists at: http://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx.

Sell Access-based, media-downloading services or software where the participant(s) do not have the right to distribute the underlying content.

The Reseller of such product or service is unable to provide evidence of the appropriate reseller certificate or permission from the originator of the product or service.

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