Prohibited List

To meet internal and external obligations, some products and services are prohibited or restricted from working with Cuddles. These include but are not limited to:

  • Local, national and international laws
  • Requirements of our payment partners (e.g. card networks)
  • Level of assessed risk (e.g. chargebacks, fraud)
  • Reputational impact to Cuddles

The list below shows all geographic locations, businesses, products and services that are prohibited from using Cuddles services.

If you require additional information about the onboarding requirements and restrictions applicable to your business contact us at


  • Adult Goods
  • Fetish Products
  • Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature
  • Gentleman's clubs, topless bars, strip clubs, sexually oriented massage parlors, saunas, escort agencies or any sexually-related services


  • Bearer share entities
  • Binary options
  • Buy now pay later / Instalment payment methods
  • Credit repair and credit protection business
  • Debt repayment and collection agency
  • E-wallet or e-money that can be monetized, re-sold or converted to physical and digital goods and services or otherwise exit the virtual world
  • Financial service or money service business, including but not limited to:
    • Traveler checks
    • Money orders
    • Foreign Exchange
    • Check cashing
    • Virtual currencies
    • Cash advances
  • Fines or penalty collections of any kind
  • Independent or unlicensed financial advisors
  • Insurance sales and services (life)
  • Insurance sales and services (non-life)
  • Money transfer & remittance businesses
  • Payday loans, unsecured loans and loans originating from non FDIC insured banks
  • Payroll, invoice & business services
  • Provider or seller prepaid access/ stored value
  • Shell banks

Intellectual property (IP)

  • Counterfeit products, replicas or designed infringements of them including products designed to circumvent IP
  • Essay mills, paper mills where the intent is to falsely submit documents as their own work
  • Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted material

Marketing practices

  • Business investment opportunities operating as ‘get rich quick schemes’
  • Business models that use ransom- or extortion like practices
  • Business practices that are designed to evade excessive chargeback monitoring programs
  • Data pass
  • Deceptive marketing tactics related to disclosure, false or inaccurate claims, before/after claims, endorsements, cancellation or refunds avoidance, pre-checked opt-ins, poorly disclosed negative options, misappropriation of incentives, disproportionate rebates, sweepstakes
  • Fake references and other services or products that foster deception
  • Inbound telemarketing for postcard or mailings
  • Products or services that promote hate, violence, discrimination, terrorism, harassment or abuse in any shape or form
  • Pyramid selling, chain letters or other financial scams


  • Charities
  • Crowdfunding

Other products or services

  • Airlines
  • Ancestry research
  • Animals and wildlife products classified as endangered or protected
  • Art dealers and galleries
  • Auction houses
  • Bail bonds and bankruptcy lawyers
  • Bidding fee and penny auctions
  • Casual dating services
  • Car and truck rental / sales / importers / car parts
  • Certain social media business (e.g. click farms)
  • Cloud storage, VPN, file sharing, (high-risk) cyber lockers
  • Cruise Lines
  • Direct Marketing - Inbound teleservices, outbound telemarketing and travel-related arrangement services, Insurance services, catalog merchants, door-to-door sales
  • Drop shipping
  • Governmental services, such as embassies or consultants
  • Hazardous materials (B2B), including but not limited to:
    • Hydrofluoric acid
    • Products containing cyanide
    • Prohibited ozone-depleting substances (ODS)
    • Nitric acid
    • Peptides, research chemicals
    • Bacteria cultures or other products containing E-coli or Escherichia coli
  • Hazardous materials (B2C), as described above
  • Health practitioners, private medical practices, e-doctors, dental/medical services and facilities
  • Human body parts or bodily fluids (excluding hair and teeth)
  • Internet product and service providers
  • Intravenous therapy (e.g .IV drip bar, vitamin infusions, hang over cures)
  • Jewelry, watch, precious stones, metals and silverware stores
  • Key-entry telecom merchant
  • Live-streaming Services without in-app currency
  • Live-streaming Services with in-app currency
  • Live-streaming Services with in-app donations functionality
  • Mail order spouse or international match-making services
  • Medical, dental, ophthalmic and hospital equipment and supplies
  • Medical benefit packages
  • Multi-level marketing
  • Nutraceuticals and food products, including, but not limited to CBD and Hemp seed related products
  • Pawn shops
  • Political, religious or Social Campaigning
  • Real estate services
  • Services associated with pseudoscience (e.g. clairvoyance, horoscopes)
  • Telemarketing companies selling products or services as an agent for a third party
  • Ticket agencies
  • Timeshare and timeshare maintenance
  • Travel agents and tour operators


  • Alcohol sales
  • Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive products
  • Illegal products or services or any service providing peripheral support of illegal activities, including illegal gambling services
  • Legal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sports
  • Products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredients
  • Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)
  • Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories
  • Trade of fireworks, flammable or radioactive materials
  • Trade of weapons, ammunitions, military arms, explosive devices and firearm parts
  • Any type of US based gambling services

Securities & Trading

  • Cryptocurrency exchange
  • High-risk securities such as:
    • contract for difference (CFD)
    • financial spread betting
    • initial coin offering (ICO)
    • forex currency options
    • cryptocurrency options
    • trading and purchases

Security brokers /investments of any kind including the purchase of:

  • Securities
  • Currencies
  • Derivatives
  • Commodities
  • Shares
  • Options
  • Precious metals
  • Other financial instruments

Third party Payment Processing

  • Aggregators, including but not limited to marketplaces, platforms
  • Staged Digital Wallet Operators
  • Payment Facilitators or other internet payment or member service providers (IPSP or MPS)
  • Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts


  • Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communications