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Purpose#
BINK operates regulated payment infrastructure. This Policy protects customers, partner institutions and the platform from misuse, and applies to every account, user and integration.
It forms part of the Terms & Conditions. Where a stricter product rule applies, that rule prevails.
Prohibited activity#
- Money laundering, terrorist financing or sanctions evasion.
- Fraud, including unauthorised transactions and identity misuse.
- Payments connected to weapons, narcotics, or human exploitation.
- Concealing the true source, destination or purpose of funds.
- Opening or operating an account on behalf of an undisclosed party.
Warning
Breach of this section results in immediate suspension, reversal where possible, and reporting to the relevant authorities.
Restricted industries#
Some sectors carry elevated regulatory risk and require written approval before onboarding. Operating in one of these without approval is a breach.
| Sector | Status |
|---|---|
| Gambling and gaming | Approval required |
| Digital assets | Approval required |
| Adult content | Approval required |
| Precious metals and stones | Approval required |
| Unlicensed money transmission | Prohibited |
Technical abuse#
You may not probe, scan or test the platform without written authorisation, circumvent rate limits, scrape data at scale, or share credentials and API keys with anyone outside your organisation.
Security research is welcome through the coordinated disclosure programme described in the Security page.
Content and communications#
Payment references, account names and support messages must not contain abusive, deceptive or unlawful content. We may redact or withhold a reference that breaches this rule.
Enforcement#
- We investigate and, where lawful, notify you of the concern.
- Functionality may be limited while the review is open.
- We apply a proportionate outcome: warning, restriction, suspension or closure.
- Where required, we file a report with the relevant authority.
You may challenge an outcome through the complaints process in the Terms.
Reporting a breach#
Report suspected misuse from the support channel in the application. Reports are reviewed within one business day, and reporters are protected from retaliation.