Yousewire Eligibility Criteria

1. Individual User Eligibility

To be eligible as an individual user, you must satisfy the following requirements:

Age and Legal Capacity: You must be at least eighteen (18) years of age and possess the legal capacity to enter into a binding contract under the laws of your jurisdiction.

Identity Verification: You must successfully complete our Know Your Customer (KYC) verification process, which includes providing government-issued identification, proof of address, and biometric verification (liveness detection).

Geographic Restrictions: You must not be a resident of, or physically located in, any jurisdiction listed in Section 3 (Prohibited Jurisdictions) below.

Sanctions Screening: You must not appear on any sanctions lists maintained by the Government of Canada, the United Nations, the United States Office of Foreign Assets Control (OFAC), the European Union, or any other applicable sanctions authority.

Good Standing: You must not have been previously suspended or terminated from Yousewire Services due to violations of our Terms of Service or applicable laws.

2. Business User Eligibility

To be eligible as a business user, your business entity must satisfy the following requirements:

Legal Registration: Your business must be a duly registered legal entity (corporation, partnership, sole proprietorship, or other recognized business structure) in a jurisdiction where Yousewire operates or has approved for business account services.

Business Activity Compliance: Your business must not be engaged in any of the prohibited business activities listed in Section 4 (Prohibited Business Activities) below.

Know Your Business (KYB) Verification: Your business must successfully complete our KYB verification process, which includes providing:

• Business registration documents
• Articles of incorporation or equivalent
• Proof of business address
• Business ownership structure
• Ultimate Beneficial Owner (UBO) identification and verification
• Business activity description and supporting documentation

Beneficial Owner Screening: All beneficial owners (individuals owning 25% or more of the business) and key executives must not appear on any sanctions lists and must successfully complete individual KYC verification.

Geographic Restrictions: Your business must not be established in, operate primarily from, or have significant business connections to any jurisdiction listed in Section 3 (Prohibited Jurisdictions) below.

Regulatory Compliance: Your business must comply with all applicable laws and regulations in your jurisdiction of operation, including but not limited to anti-money laundering (AML), counter-terrorist financing (CTF), and consumer protection laws.

3. Prohibited Jurisdictions

Yousewire does not provide services to individuals residing in, or businesses established in or operating from, the following jurisdictions. This list is based on high-risk geographic locations identified by international regulatory bodies including the Financial Action Task Force (FATF), jurisdictions subject to Canadian government sanctions, offshore tax havens, and countries with inadequate AML/CTF controls.

Complete List of Prohibited Countries (99 Jurisdictions)

Additional Geographic Restrictions

In addition to the countries listed above, Yousewire prohibits services to individuals or businesses in:

• Any country subject to comprehensive sanctions by the Government of Canada
• Any jurisdiction on the Financial Action Task Force (FATF) blacklist (Call for Action countries)
• Any jurisdiction on the FATF greylist (Jurisdictions Under Increased Monitoring) that Yousewire deems high-risk
• Any other jurisdiction that Yousewire determines poses unacceptable compliance, operational, or reputational risk

Important Note: This list is subject to change based on evolving regulatory requirements, international sanctions regimes, and risk assessments. Users are responsible for ensuring ongoing compliance with geographic restrictions.

4. Prohibited Business Activities

Yousewire does not provide services to businesses engaged in, or individuals conducting transactions related to, the following business activities. This comprehensive list is based on industry best practices and regulatory guidance to mitigate money laundering, terrorist financing, fraud, and reputational risks.

4.1 Financial Services (High-Risk and Unlicensed)

Yousewire prohibits business accounts for entities operating as or providing services related to:

Unlicensed Financial Institutions: Banks, credit unions, trust companies, or other deposit-taking institutions operating without proper regulatory authorization.

Cryptocurrency and Digital Asset Exchanges: Platforms facilitating the exchange, trading, or brokerage of cryptocurrencies, virtual currencies, or digital assets (including but not limited to Bitcoin, Ethereum, stablecoins, NFTs, and tokens).

Money Service Businesses (MSBs): Unlicensed or unregistered money transmitters, currency exchangers, cheque cashers, or prepaid access providers.

Shell Banks: Banks without a physical presence in any country or banks not affiliated with a regulated financial group.

4.2 Gambling and Gaming

Online Gambling: Online casinos, sports betting platforms, poker rooms, and any other internet-based gambling services.

Offline Gambling: Physical casinos, betting shops, lottery operators, and gambling machine providers.

Fantasy Sports: Daily fantasy sports platforms involving monetary entry fees and prizes.

4.3 Adult Content and Services

Adult Entertainment: Production, distribution, or hosting of pornographic or sexually explicit content.

Escort and Dating Services: Services that facilitate or promote escort services, adult dating, or related activities.

4.4 Drugs, Controlled Substances, and Related Activities

Illegal Drugs and Narcotics: Production, distribution, sale, or facilitation of illegal drugs, controlled substances, or narcotics under Canadian law or international conventions.

Unlicensed Pharmaceutical Sales: Sale of prescription medications without proper licensing, online pharmacies operating without regulatory approval, or importation of unapproved pharmaceutical products.

Drug Paraphernalia: Tools, equipment, or products specifically designed or marketed for illegal drug use, including but not limited to bongs, pipes, vaporizers marketed for illegal substances, or drug testing circumvention products.

Synthetic Drugs and Designer Substances: Smart drugs, nootropic supplements making unverified medical claims, synthetic stimulants, research chemicals marketed for human consumption, or substances designed to mimic the effects of illegal drugs.

Performance-Enhancing Drugs: Anabolic steroids, peptides, human growth hormone (HGH), or other performance-enhancing substances sold without prescription or proper medical oversight.

Unregulated Medical Treatments: IV drip bars, vitamin infusion clinics, hangover cure services, or other medical treatments provided without appropriate medical licensing and oversight.

Cannabis and CBD Products: Cannabidiol (CBD) products, marijuana, cannabis derivatives, or related products (even in jurisdictions where legal, due to cross-border regulatory complexity).

Psychoactive Substances: Kratom, salvia, synthetic cannabinoids, or other psychoactive substances that present consumer safety risks or exist in regulatory grey areas.

4.5 Weapons, Defense, and Military Equipment

Weapons of War: Automatic weapons, semi-automatic weapons, assault rifles, military-grade firearms, or weapons designed primarily for military or law enforcement use.

Ammunition and Explosives: Ammunition, explosive devices, cluster bombs, landmines, chemical weapons, biological weapons, or components thereof.

Defense Equipment: Military equipment, body armor, night vision equipment, surveillance equipment marketed for illegal purposes, or dual-use items that could be used for military applications.

Firearm Parts and Accessories: Firearm parts, gun modification kits, silencers, high-capacity magazines, or accessories designed to convert legal firearms into illegal configurations.

Note: Legitimate sporting goods retailers selling licensed firearms and hunting equipment in compliance with Canadian firearms regulations may be considered on a case-by-case basis with enhanced due diligence.

4.6 Counterfeit Goods and Intellectual Property Infringement

Counterfeit Products: Fake or replica designer goods, counterfeit luxury items, unauthorized merchandise, or products falsely branded with trademarks or logos.

Intellectual Property Violations: Products or services that infringe on copyrights, trademarks, patents, or other intellectual property rights.

Academic Dishonesty Services: Essay mills, paper mills, thesis writing services, or platforms that facilitate academic dishonesty by providing work falsely submitted as the student's own.

Copyright Circumvention: Products or services designed to circumvent copyright protection measures, illegal streaming services, or tools facilitating unauthorized access to copyrighted content.

Fake Documentation Services: Fake diplomas, counterfeit certificates, fraudulent references, fake employment verification, or any service fostering deception or identity fraud.

4.7 Tobacco, Alcohol, and Vaping Products

Tobacco Products: Cigarettes, cigars, chewing tobacco, snuff, or other tobacco products.

Vaping and E-Cigarettes: E-cigarettes, e-liquids, vaping devices, vaping accessories, or nicotine delivery systems.

Alcohol: Breweries, distilleries, wineries, liquor stores, or alcohol distribution businesses (except licensed establishments with robust age verification and compliance programs, considered on a case by case basis).

4.8 Hazardous and Dangerous Materials

Chemical Weapons and Precursors: Chemical weapons, nerve agents, toxic industrial chemicals, or precursor chemicals used in weapons production.

Hazardous Substances: Hydrofluoric acid, cyanide compounds, nitric acid (concentrated), ozone depleting substances (ODS), or other materials classified as hazardous under Canadian regulations.

Biological Materials: Pathogenic bacteria cultures, e-coli, escherichia coli, viruses, or other biological agents that pose public health risks.

Research Chemicals: Unregulated research chemicals sold for human consumption or with unclear safety profiles.

4.9 Wildlife, Cultural Heritage, and Protected Items

Wildlife Trafficking: Trade in endangered species, protected wildlife, ivory, rhino horn, exotic animal parts, or products derived from protected animals under CITES (Convention on International Trade in Endangered Species).

Cultural Artifacts: Archaeological artifacts, items of historical significance, cultural property, religious artifacts, or items of rare scientific value that may have been illegally obtained or exported.

Conflict Resources: Blood diamonds, conflict minerals, or natural resources sourced from conflict zones in violation of international sanctions or ethical sourcing standards.

4.10 High-Value Goods and Cash-Intensive Businesses

Precious Metals and Stones Dealers: Businesses dealing primarily in gold, silver, platinum, diamonds, gemstones, or other precious materials (except licensed dealers with robust AML programs, considered on a case-by-case basis).

High-Value Art and Antiques: Art dealers, auction houses, antique dealers, or galleries dealing in high-value items (typically exceeding CAD $10,000 per transaction) without appropriate AML controls.

Cash-Intensive Businesses: Businesses with unusually high cash transaction volumes that present elevated money laundering risks, including but not limited to check cashing services, money order providers, or businesses with inconsistent cash flow patterns.

4.11 Corporate and Offshore Services

Corporate Service Providers: Businesses that open bank accounts or financial accounts on behalf of other businesses without proper transparency regarding beneficial ownership.

Offshore Company Formation: Services specializing in forming offshore entities, shell companies, or structures designed to obscure beneficial ownership or facilitate tax evasion.

Nominee Services: Services providing nominee directors, nominee shareholders, or other arrangements designed to conceal the true ownership or control of legal entities.

Trust and Corporate Service Providers (TCSPs): TCSPs that do not comply with FATF recommendations or operate in high-risk jurisdictions without adequate AML/CTF controls.

4.12 Non-Profit and Political Organizations

Charities and Non-Governmental Organizations (NGOs): Charitable organizations, social service organizations, humanitarian aid organizations, or NGOs (due to elevated terrorist financing risks and complex due diligence requirements).

Political Organizations: Political parties, political action committees (PACs), campaign fundraising organizations, lobbying firms, or organizations engaged in political advocacy.

Religious Organizations: Religious institutions, churches, mosques, temples, or faith-based organizations (except where appropriate enhanced due diligence can be conducted).

Note: Yousewire recognizes the legitimate role of non-profits but requires specialized compliance frameworks beyond our current service scope.

4.13 Crowdfunding and Alternative Finance

Crowdfunding Platforms: Reward-based crowdfunding, equity crowdfunding, donation-based crowdfunding, or peer-to-peer lending platforms.

Crowdlending Services: Platforms facilitating loans between individuals or businesses outside traditional banking channels.

Consumer Lead Generation: Businesses that generate, aggregate, or sell consumer leads, particularly in financial services sectors (loan leads, insurance leads, credit repair leads).

4.14 Energy, Shipping, and Strategic Industries

Oil and Gas: Oil extraction, gas production, petroleum refining, or related activities in the energy sector (due to sanctions complexity and environmental considerations).

Shipping Companies: International shipping operations, freight forwarding, or maritime transport services (except well-established companies with transparent ownership and strong compliance programs).

Atomic Energy: Nuclear power plants, uranium mining, nuclear fuel processing, or businesses involved in the nuclear energy supply chain.

4.15 Other High-Risk Activities

Telemarketing and Outbound Sales: High-pressure telemarketing operations, particularly those selling financial products, extended warranties, or services to vulnerable populations.

Debt Collection: Aggressive debt collection agencies or businesses purchasing distressed debt portfolios. Surveillance and

Spyware: Spyware, surveillance software marketed for illegal purposes, stalkerware, or tools designed to compromise privacy without consent.

Hacking Tools and Services: Hacking services, DDoS-for-hire, credential stuffing tools, or products facilitating unauthorized access to computer systems.

Unregistered Securities: Sale of unregistered securities, private placements without proper disclosure, or investment opportunities that may violate securities regulations.

5. Right to Refuse Service

Discretionary Decisions: The list of prohibited business activities in Section 4 is not exhaustive. Yousewire reserves the right to refuse service to any individual or business that:

• Engages in activities deemed inappropriate, high-risk, or inconsistent with Yousewire's risk appetite
• Poses unacceptable compliance, legal, operational, or reputational risk to Yousewire
• Operates in a manner inconsistent with Yousewire's values and commitment to financial integrity

Risk-Based Approach: Yousewire may accept certain business activities listed above on a case-by case basis where the business demonstrates:

• Appropriate licensing and regulatory compliance in their jurisdiction
• Robust anti-money laundering and counter-terrorist financing controls
• Transparent ownership structure and business operations
• Strong reputation and no history of regulatory violations
• Willingness to undergo enhanced due diligence

Ongoing Monitoring: Yousewire continuously monitors user accounts and reserves the right to suspend or terminate services if:

• A user's circumstances change such that they no longer meet eligibility criteria
• A user engages in prohibited activities after account opening
• New information emerges indicating elevated risk
• Regulatory requirements or Yousewire's risk appetite changes

6. Updates to Eligibility Criteria

Yousewire reserves the right to update these eligibility criteria at any time to reflect:

• Changes in applicable laws and regulations
• Updates to international sanctions regimes
• Evolution of Yousewire's risk assessment and risk appetite
• Guidance from regulatory authorities
• Industry best practices and emerging risks

User Responsibility: It is your responsibility to regularly review these eligibility criteria and ensure that you continue to meet all requirements. Continued use of Yousewire Services constitutes acceptance of any updates to these criteria.

Notification of Changes: Yousewire will make reasonable efforts to notify users of material changes to eligibility criteria, but users remain responsible for staying informed of current requirements.

7. Consequences of Ineligibility

If you do not meet or cease to meet the eligibility criteria outlined in this document:

Account Suspension: Your account may be immediately suspended pending investigation and verification of your eligibility status.

Account Termination: Your account may be terminated, and you may be permanently prohibited from using Yousewire Services.

Fund Holds: Funds in your account may be held pending completion of enhanced due diligence, regulatory reporting obligations, or legal requirements.

Regulatory Reporting: Yousewire may be required to report suspicious activities or sanctions violations to FINTRAC, law enforcement, or other regulatory authorities.

Legal Action: Yousewire reserves the right to pursue legal remedies for violations of these eligibility criteria, including recovery of losses and cooperation with law enforcement investigations.

8. Contact Information

If you have questions about your eligibility to use Yousewire Services or require clarification on any of the criteria outlined in this document, please contact:

Document Version History:

• Version 1.0 (February 18, 2026): Initial publication
• Version 2.0 (February 18, 2026): Comprehensive update incorporating expanded prohibited jurisdictions (99 countries) and detailed prohibited business activities based on industry best practices