Acceptable use provisions

  1. Remove any copyright, trademark, or other proprietary rights notices contained in or on the service or reformat or frame any portion of the web pages that are part of the service’s administration display.

  2. Send, upload, distribute, or disseminate, or offer to do the same, with respect to unlawful, defamatory, harassing, abusive, fraudulent, infringing, obscene, excessively profane, hateful, violent, or otherwise objectionable material, or promote, support, or facilitate unlawful, hateful, discriminatory, or violent causes.

  3. Intentionally distribute viruses, worms, defects, trojan horses, corrupted files, hoaxes, or any other items of a destructive or deceptive nature.

  4. Illegally transmit another’s intellectual property or other proprietary information without such owner’s or licensor’s permission.

  5. Perform significant load or security testing without first obtaining Tink’s written consent.

Prohibited Industries

  • Healthcare and dental, medical and beauty services: Smaller practices and salons
    are sometimes used for money laundering. They are suitable due to the nature of the
    business, e.g., donations are common, as well as large payments for equipment.

  • Arms and military equipment (including manufacturers/dealers, and related
    products and services):
    Manufacturing and trading products sold for military
    purposes, with the purpose to kill, harm and destroy, are illegal in most countries. Illicit
    arms trading is fuelling terrorism and corruption, and the business is heavily connected
    to financial crime.

  • Drugs, narcotics and psychoactive substances: Producing, trading, and using drugs,
    narcotics and psychoactive substances are illegal in most jurisdictions, and heavily
    connected to money laundering, terrorist financing and other types of organized crime.

  • Organ trade and trafficking: Commercial trade of organs, tissues or other body
    products (usually for transplantation) is illegal in all countries except Iran. Illegal organ
    trade generates large profits due to the global shortage and demand of organs and is
    heavily connected to financial and organized crime.

  • Prostitution and red-light businesses: Prostitution and red-light businesses are illegal
    or strictly regulated in most countries. In addition to the ethical concerns and this type
    of businesses being closely connected to human trafficking, prostitution areis also
    commonly used by criminals for money laundering and closely related to other crimes.

  • Adult entertainment and pornography: Have a high recognized risk for financial crime
    due to its lucrative business, deficient customer verification processes and historical
    data commonly not being saved. Online adult entertainment can be subscription based,
    which increases the risk due to chargebacks.

  • Wildlife trade and wildlife trafficking: Wildlife trafficking means illegal trading,
    capturing and collection of endangered species and protected wildlife and products
    thereof. Wildlife trade and trafficking is an environmental crime with large negative
    impact on species and populations and is at the same time a very lucrative business
    enabling organized financial crime and corruption. All wildlife trade, including marine
    species and illegal timber/forest trade, sit outside of Tink’s risk appetite.

  • Regulated and age-restricted products: (alcohol, tobacco, etc).