myPOS Acceptance Policy
Effective as of: 1st of March, 2017
This Acceptance Policy is inseparable part of the Legal Agreement for myPOS Service.
1. Restrictions on use of the myPOS Service
1.1. Client must not perform under any circumstances any of the following activities (hereinafter 'Restricted Activities') by using the Service:
(i) Infringe any party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy or use the Service to offer counterfeit content, goods or services; and
(ii) Act in a manner that is defamatory, trade libelous, unlawfully threatening or unlawfully harassing or offer directly or indirectly content or goods or services, which are not acceptable to us or to Regulators, such as child pornography, bestiality, tobacco (applies to e-commerce), pharm sales (applies to e-commerce), illegal gambling, rape, hate, violence, or 3rd party processing and other similar non-acceptable to us or to Regulators; and
(iii) Provide false, inaccurate or misleading information; and
(iv) Send or receive what we reasonably believe to be potentially fraudulent funds; and
(v) Refuse to cooperate in an investigation or provide confirmation of Client identity or beneficial ownership; and
(vi) Conduct its business or use the Service in a manner that results in or may result in complaints, disputes, return requests, chargebacks, fees, fines, penalties and other liability that might affect us, our Agents or Sub-contractors; and
(vii) Has a credit score from a credit reporting agency that indicates a high level of risk associated with Client use of the Service; and
(viii) Use the Services in a manner that we or our Agents or sub-contractors, or any of the Card Organizations, reasonably believe to be an abuse of the card system or a violation of the Regulations; and
(ix) Provide Clients a cash advance from Clients cards (or help others to do so); and
(x) Store, disclose or transfer any Payer data, processed through the Service or in other ways, in a way which is not in compliance with the Regulations or to a third party, or use such information for any purposes other than those permitted under this Agreement and the Regulations; and
(xi) Facilitate any viruses or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information
(xii) Use any automatic device, or manual process to monitor, copy, tamper, ‘hack’, modify or otherwise corrupt the security or functionality of the Service, systems or websites; and
(xiii) Act or omit to act in a way that may cause loss for us or any other third party;
(xiv) Any other activity forbidden by Client Acceptance Policy or the Regulations.
2. General Requirements
2.1. Client must not copy, store, transfer, sell, purchase, provide, exchange or in any manner disclose Payer’s payment instruments personalized security characteristics, such as usernames or password for use of wallets or cardholder data such as PAN, PIN, CVV, CVC or other of payments cards or similar, provided by us, referred to as “security characteristics of buyers’ payment instruments”, to anyone other than us, or in response to a valid regulatory body demand. Client is deemed to be responsible for the conduct of its employees, agents, sub-contractors and representatives. In case of unauthorized or unlawful storing, access and processing of security characteristics of buyers’ payment instruments, Client shall immediately inform us in writing, stating the compromised security characteristics of buyers’ payment instruments.
2.2. Each party shall, at all times, comply with its respective obligations under all applicable data protection legislation in relation to all personal data that is processed by it in the course of performing its obligations under this Agreement. Client shall bring into effect and maintain all technical and organizational measures to prevent unauthorized or unlawful processing of personal data and accidental loss or damage of personal data, including taking reasonable steps to ensure the reliability of employees having access to the personal data.
2.3. Client must keep and store in a secure way all information regarding transactions on Client website, and parties to those transactions, including shipping documents and receipts of delivery of goods or services. When requested to do so by us, Client must provide us, within 72 hours, all information available to it regarding transactions, and parties to those transactions, including but not limited to: orders, shipping documents and receipts of delivery, and other documents as we might need for the purposes of claims, chargebacks, reversals, refunds or prevention or deterrence of crime, and to meet its regulatory obligations and risk management objectives. Client should keep any such requests and any further action taken by us in respect of those requests, confidential. We may, where we consider appropriate, pass on any information received from Client to the relevant regulatory bodies.
2.4. A Client must not submit to us a transaction that Client knows or should have known to be fraudulent or not authorized by the Payer, or that it knows or should have known to be authorized by a Payer colluding with Client for a fraudulent purpose. We are entitled upon our sole discretion and at any time, without prior notice to Client and for security or regulatory purposes to impose various limits unilaterally on the amount of authorized transactions or redemption of e-money or other transactions, such as single, daily, weekly, monthly or other limits. If it is not against our regulations we shall inform Client about such limits in Client online account or via e-mail within reasonable time. Where we reasonably suspect that Client has a substantial percentage of fraudulent transactions, Client must respond to any fraud related questions submitted by phone or email within 24 hours and propose reasonable measures to reduce the fraud.
2.5. Client must implement such security and other measures as requested by us, our sub-contractors or Regulators, within reasonable period of time and without delay. Further rules on requirements for Client websites and other Client obligations, related to the use of Service are contained in Client Acceptance Policy. Client understands and agrees that new rules, regulations and requirements related to the Service can be imposed by Regulators, including Card Organizations, and therefore we shall be entitled to unilaterally update Client Acceptance Policy in case of such changes, for which Client shall be informed within reasonable period of time.
2.6. Client warrants that Client is the rightful and beneficial owner/user of all websites and associated domain names, as well as of the client business activity and entity approved by us, in relation to which the Services under this Agreement are provided. Client warrants that Client is not acting on behalf of a third party. In case of change of this Client must immediately notify us in writing via e-mail. Client is not entitled in any way to lease or provide in other way the mobile POS for use by third parties, without our explicit written consent.
2.7. Client shall be obliged to use the mobile POS in good faith and with the care of professional and only for executing of valid transactions for payment with cards with the logo of Card Organizations, in compliance with our instructions on activation and use of the mobile POS.
3. Specific rules on transactions to be observed by Client. Client must:
3.1. Honor all cards, i.e. Client must accept all Cards of Card Organizations, display the logos of all Card Organizations without discrimination for all of the goods and services, offered by Client, including but not limited to: MasterCard, Visa, Maestro, Visa Electron, V PAY, Visa Debit and Debit MasterCard; and
3.2. If Client has been authorized to undertake any specific type of transaction, Client is automatically authorized to provide refunds of such transactions. Client must only refund transactions to the card used for the original transaction. Client shall not make any cash refund to the cardholder for return of any merchandise or services previously purchased with his/her card. In such case, the refund shall be made solely by crediting the cardholder’s card. Refund transactions can only be made as credit transactions, under the respective terms and conditions of the Card Organizations for such types of transactions; and
3.3. Client must not undertake transactions for anything other than the described offers and activity of Client and genuine purchase of goods and services, which Client offers; and
3.4. Client floor limit is zero and all transactions must be authorized by Issuer and the respective Card Organization in compliance with its rules. Authorization can only confirm the lack of negative credit status of a Card and that the Card has not been reported as lost or stolen at the time of the transaction. Obtaining an authorization does not guarantee payment. If an authorization is not granted, Client must not continue to process the transaction; and
3.5. Chargeback ratio: Client has to maintain a chargeback ratio of 1% of Client sales and 100 chargebacks presented in total per month for MasterCard Cards and 2% of Client sales and 200 chargebacks presented in total per month for VISA Cards. Client acknowledges and accepts that we shall also monitor the allowed chargeback ratio and can at any moment decide to cease the Service without prior notice to Client in case Client is in breach of chargeback ratio.
3.6. Fraud management:
3.6.1. Client must not exceed for interregional Visa transactions 20 000 USD or equivalence in other currency of reported fraud and 20 fraud transactions and/or 2,0% fraud-to-sale ratio on a monthly basis.
3.6.2. Client must not exceed for regional VISA transaction 10 000 USD or equivalence in other currencies fraud amount, 10 fraud transactions and/or 7% fraud-to-sale ratio on a monthly basis.
3.6.3. Client must not exceed for MasterCard transaction 4 000 USD or equivalence in other currency fraudulent transactions, 4 fraud transaction and/or 8% fraud-to-sale ratio on a monthly basis.
4. Requirements for Recurring payments:
4.1. Client shall require approval from us before offering recurring payments with payment cards in connection with Client offers. If Client has not received our prior approval, we may reject the payment transaction. If according to our reasonable opinion the Client misuses recurring payments, we may decline authorization or suspend the Service and Client's ability to offer recurring payments.
4.2. It shall be Client's responsibility to communicate the basis and terms of the recurring payment to the buyer (cardholder) in a fair, clear and transparent manner. Client must provide the buyer with advance notice of each instance of a recurring payment at least 5 days before it is due or if for any reason this is not practicable, must provide the buyer with as much advance notice as possible.
4.3. Client must provide the buyer with the ability to cancel a recurring payment at any time. Client declares he is aware that in recurring payments the cardholder may instruct the Issuer to discontinue the recurring payments to Client, in which case either the Issuer or/and we shall be obliged to discontinue the recurring payments, for which we shall not be liable.
4.4. Where Client agrees with the buyer to receive recurring payments, we shall facilitate the transaction between Client and the buyer, but we shall be under no obligation to enforce any contractual obligations for payment by the buyer to Client or for delivery of Client’s goods or services to the buyer. We make no representation and give no undertaking or warranty that recurring payments will be made by the buyer. We shall be under no responsibility to enforce the recurring payment arrangement against the buyer.
5. Requirements for gambling transactions (if applicable to the Service):
5.1. Client is responsible to secure that all lawful gambling transactions, submitted by Client for processing comply with the specific additional requirements, connected to such transactions, including without limitations:
(i) Client has a valid license or other appropriate authority, or has dully granted license or power to registered agents or shops to operate Client website or offers under all applicable laws of the country or countries, where Client offers its goods and services; and
(ii) Client identifies the state or foreign country where the cardholder initiating the transaction is physically located at the time of the transaction; and
(iii) Client records the response and retain it, along with the cardholder’s account number, the transaction amount, and the date; and
(iv) Client retains this information for a minimum of one year from the transaction date and provide it to us immediately upon our request; and
(v) Client posts a notice on Client websites in a position such that the notice will be displayed before requesting an account number (such as a click-through notice) stating that assertions have been made that Internet gambling may not be lawful in some jurisdictions, including the United States, and suggesting that the cardholder check whether Internet gambling is lawful under applicable law; and
(vi) Client provides on Client website at least the following information: a statement of the cardholder's responsibility to know the laws concerning online gambling in his or her country of domicile; a statement prohibiting the participation of minors; the Rules of play; the Cancellation policies; the Pay-out policies; a statement recommending that the cardholder retains a copy of Payment Records and Client policies and rules; and
(vii) Client restrain from selling chips or other value that can be used, directly or indirectly, to gamble at locations other than Client website; and
(viii) Client disburses winnings as 'Gaming Payment Transaction' or 'Original Credit Transaction' and not in the form of cash, cheque or other payment method, whereas the transaction is processed to the same Account Number that was used in the Gambling Transaction which placed the winning wager. Refunds for MasterCard Cards are not allowed; and
(ix) Client ensures that a Gambling Transaction representing the winning wager has been lawfully made and properly identified; and
(x) Client does not exceed 25 refunds in total per month and refunds for more than 5% of Client sales volume for VISA Cards.
6. Requirements for Pre-Authorization transactions (if allowed by the Service):
6.1. Client may be entitled to use Pre-Authorization functionality only if it meets the conditions set in the present Acceptance policy and/or correspondent to the Legal agreement for the Service and:
(i) performs business activity as hotel, cruise line or a car rental company;
(ii) ensures Cardholder´s prior consent to incur Pre-Authorization transactions by including such clause in his General Terms and Conditions or other document regulating the legal relationship between Client and Cardholder;
6.2. A Pre-Authorization confirmation transaction must be completed within 30 calendar days of the transaction date of the initial Pre-Authorization transaction.
6.3. Client is allowed to initiate Pre-Authorization transaction only for payments on the following services:
(i) Damage to rental vehicles;
(ii) Food or beverage charges;
(iv) Goods and services purchased aboard a vessel of a Cruise Line;
(vi) Parking tickets and other traffic violations;
(vii) Rental fees;
(viii) Room charges; and
6.4. If Client is a Car Rental Company and Pre-Authorization transaction is used for covering expenses for parking tickets or penalties for violation of traffic legislation, Client must provide us with the following documentation issued by appropriate civil authority:
(i) The license number of the rental vehicle;
(ii) The time and the location of the violation;
(iii) The statute violated; and
(iv) The amount of the penalty in the local currency of that civil authority;
6.5. If Client is a car rental company and Pre-Authorization transaction is used for covering of damages:
6.5.1. Client must provide us with the following documentation issued by appropriate civil authority:
(i) A copy of the rental agreement;
(ii) An estimate of the cost of the damage from an organization that can legally provide repairs;
(iii) The relevant civil authority's accident report (if applicable);
(iv) Documentation showing that the Cardholder has given consent that a Pre-Authorization transaction may be processed using Cardholder’s Card to cover damages to a rental vehicle. Such consent must be evidenced either by the Cardholder’s signature on the same page as, and close to, the description of the charges that may be covered by the Pre-Authorization transaction, or by the Cardholder’s signature on the agreement and the Cardholder’s initials on each page of the agreement, where the Cardholder’s signature is not set out on the same page as the description of the charges which may be covered by the Pre-Authorization transaction;
(v) Any other documentation demonstrating that Cardholder’s liability for the damage; and
(vi) A copy of the insurance policy of the Car Rental Company, if that Car Rental Company requires that the Cardholder pay an insurance deductible for damages and a copy of the car rental agreement showing that the Cardholder consents to be responsible for the insurance deductible.
6.5.2. Client must also provide us a written confirmation to the Cardholder within 10 business days of the return date of the rented vehicle including description of the damage, cost of the damage; and currency in which the cost of repairing the damage will be charged. Client must also give cardholder a possibility to provide an alternative written estimate for the cost of repairing the damage within 10 business days of receiving this above confirmation for damage and also ensure Cardholder´s right for to dispute the charged amount.
6.5.3. Client must wait 20 business days from the date of the confirmation receipt provided to the Cardholder before processing the Pre-Authorization transaction for damages in order to execute the action under 6.5.2.
6.6. If Client wishes to use Pre-Authorization transaction to guarantee its reservations, Client must provide us with Client’s Cancellation Policy. In case of chargeback Client must provide us with proofs that Client has communicated the Cancellation Policy and all of the required information (described in details below) to the Cardholder whereas Client agrees that we may require additional documents related to cancellation of reservations.
7. Specific Requirements to Clients performing business activity as hotel, cruise line or a car rental company
If Client runs a 1) Hotel or a Car Rental Company or is a third-party booking agent that accepts payments with Cards to guarantee Hotel/Car Rental reservations, or runs a
2) Hotel or Cruise Line business and wishes to participate in the Advance Deposit Service the following requirements must be are applied:
7.1. Billing Information
7.1.1 For the purposes of compiling its billing information Client must obtain the Cardholder name, Account Number and Card expiry date.
7.1.2 Additional requirements for some clients (Hotel or Cruise Line business) using Advance Deposit Service:
a) Cardholder’s telephone number and mailing address;
b) Scheduled date of check-in for a Hotel, or embarkation for a Cruise Line; and
c) Intended length of stay or voyage.
d) Client must determine the Advance Deposit Transaction amount, which must not exceed for Hotels - the cost of the intended length of stay (not to exceed 14 nights' accommodation), and in the case of a Cruise Line - the total cost of the cruise.
7.1.3 In all cases the amount of an Advance Deposit Transaction or reservation transaction must be offset against the total cost of Client’s service to be paid by the Cardholder.
7.2. Accommodation/Reservation Information
7.2.1 Client is obliged to provide to the cardholder in writing confirmation of the reservation as well as all of the following:
a) The Reserved accommodation rate, Currency and amount of the Transaction;
b) The exact name and physical address of the hotel establishment, of the cruise ship and point of embarkation to the Cardholder or of the location from where the vehicle is to be collected prior to accepting the Cardholder’s reservation.
c) Client’s cancellation policy
7.2.2 Additional information for hotel reservations:
1) Client must inform the Cardholder that one night's lodging will be billed or in case of Advance Deposit Transaction Client will retain all or part of the Transaction amount if the Cardholder has not:
a) Registered at the hotel establishment by the check-out time on the day following the
Cardholder’s scheduled arrival date;
b) In case of Advance Deposit Transaction check-in at the reserved Hotel by the check-out time on the day following the specified last night of lodging or check-in by embarkation time of the Cruise (the Cardholder will lose the amount of the deposit that is equivalent to the unused amount of the reservation); or
c) Properly cancelled the reservation in accordance with Client’s cancellation policy.
7.2.3. Additional information for Advance Deposit Transaction:
Client’s intention to hold the Hotel or Cruise Line accommodation for the number of nights paid for and according to the reservation; and
7.2.3 Additional requirements for Car Rental Service:
1) Ensure that the Cardholder is advised, at the time of making the reservation, that a confirmation receipt is available during the hours of operation on return of the rented vehicle. This receipt confirms the mutually agreed condition of the rented car upon its return;
2) Inform the Cardholder that a No-Show Transaction up to the value of one day’s rental at the reserved vehicle rental rate will be billed to the Cardholder if the Cardholder has neither:
• Collected the vehicle within 24 hours of the collection time; nor
• Properly cancelled the reservation in accordance with the communicated Car Rental Company’s cancellation policy.
7.2.4 If Client wishes to reserve the right to bill a No-Show Transaction, the latter must confirm, in writing, as part of the reservation confirmation, the value and currency of the No-Show Transaction that will be billed to the Cardholder.
7.3. Reservation Confirmation
7.3.1. Client agrees that a written confirmation of the reservation must be provided to the Cardholder which must contain all of the following information:
a) Cardholder name, Account Number truncated to only display four digits, Card expiry date;
b) Confirmation code and with the advice to the Cardholder to retain it in case of a dispute;
c) Exact physical address of the hotel establishment/ of location where vehicle is to be collected; and
d) Hours of operation of the collection and return outlet (applicable for Car Rental Reservation)
e) Client’s cancellation policy requirements or if applicable Hotel Reservation Service provisions relating to the Cardholder’s obligations.
f) The actual date and time when the Cardholder’s ability to cancel the accommodation reserved by that Advance Deposit Transaction without penalty expires; and
g) Written confirmation of any changes to the reservation made by the Cardholder.
7.3.2. If Client does retain all or part of the Transaction Amount of the Advance Deposit Transaction, it must not charge the Cardholder for a No-Show Transaction.
7.4. Transaction Receipt Completion (Applicable to Clients using Advance Deposit Service)
7.4.1. The Transaction Receipt for the Advance Deposit Transaction must include the following information:
a) Transaction Amount of the advance deposit;
b) Cardholder name and Account Number and Card expiry date;
c) Cardholder telephone number and mailing address;
d) The words “Advance Deposit” on the Transaction Receipt signature line;
e) Client’s confirmation code confirming the Advance Deposit Transaction;
f) Scheduled check-in date or embarkation date; and
g) The actual date and time that the Cardholder’s ability to cancel the accommodation without penalty reserved by that Advance Deposit Transaction expires.
7.4.2. Client must send a copy of the Transaction Receipt and a copy of its cancellation policy to the Cardholder within three business days of the Transaction Date of an Advance Deposit Transaction.
7.5. Cancellation Period
7.5.1. Client must accept all cancellations from Cardholders using its Service Hotel Reservation Service. Client in its cancellation policy may specify that may charge the Cardholder for one night's accommodation or that may only retain those amounts deposited in advance if the Cardholder has not cancelled its reservation within the time limits specified in that policy as relating to a cancellation with no penalties.
7.5.2. Additional requirements for Hotel and Car Rental Reservations:
1) Client must not require cancellation notification of more than 72 hours prior to the scheduled arrival date/the scheduled pick up date for cancellation without penalty.
2) In case the Cardholder makes a reservation within 72 hours prior to the scheduled arrival date, the cancellation deadline must be no earlier than 6:00 p.m. at the physical location of Client on the scheduled arrival date/ the scheduled pick up date.
7.6. Cancellation Confirmation
7.6.1. Client must provide the Cardholder with a cancellation code (provided that the cancellation is properly done in accordance with the cancellation policy) and advise the Cardholder to retain it in case of a dispute.
7.6.2. When a Cardholder cancels a reservation, Client must communicate (in writing) a confirmation of cancellation to the Cardholder at the Cardholder’s request within 1 business day of the cancellation date. The confirmation must include the following:
a) Cardholder name, Account Number, truncated to show only four digits, Card expiry date; and
b) Cancellation code.
7.6.3. In case of cancellation of reservation that is the subject of the Advance Deposit Transaction and Client is not entitled to retain all of the Transaction Amount of the Advance Deposit Transaction, Client must complete a Credit Transaction Receipt, including all of the following:
a) Transaction Amount;
b) Cardholder name, Cardholder Account Number and expiry date as displayed on the Card;
c) Cardholder telephone number and mailing address;
d) Cancellation code given to the Cardholder by Client; and
e) The words “Advance Deposit” on the Credit Transaction Receipt signature line.
7.6.4. Within three business days of the Transaction Date for the Transaction under which Client refunds the Cardholder with all or part of the Transaction Amount of the Advance Deposit Transaction, Client must both:
• Deposit the Credit Transaction Receipt to us; and
• Send the Cardholder’s copy of the Credit Transaction Receipt to the Cardholder.
7.7.1. Client must hold the reserved accommodation until the check-out time on the day following the scheduled check-in day unless the Cardholder has cancelled the reservation.
7.7.2. If the Cardholder has not claimed or cancelled the accommodation, Client must complete a Transaction Receipt that must contain the following:
• Amount of one night's lodging plus applicable tax;
• Cardholder name, Account Number, Card expiry date; and
• The words “No-Show” on the signature line of the Transaction Receipt.
7.7.3. If a Cardholder has not claimed or cancelled the vehicle rental by the specified time, Client must keep the vehicle available according to the reservation for 24 hours from the collection time. If the vehicle remains unclaimed by the Cardholder, Client may process a No-Show Transaction.
7.8.1. If the guaranteed accommodations are unavailable, Client must make the following services available to the Cardholder at no charge:
1) Comparable accommodations for one night at another hotel establishment;
2) If requested, a three-minute telephone call and message forwarding to the alternative establishment; and
3) Transportation to the alternative establishment.
7.9.Unavailable Hotel Accommodation related to Advance Deposit Service
7.9.1. If the reserved hotel accommodation is unavailable, Client must offer the Cardholder the following:
• Comparable hotel accommodation at an alternative establishment for the number of nights specified in the reservation (not to exceed 14 nights) or until the reserved accommodation become available at the original establishment;
• If requested, two three-minute telephone calls and message forwarding to the alternative establishment;
• Transportation to the alternative establishment's location and return to the original establishment; and
• If requested, daily transportation to and from the alternative establishment.
7.10.Unavailable Cruise Line Accommodation related to Advance Deposit Services
7.10.1. If the reserved Cruise Line accommodation is unavailable, and no comparable Cruise Line accommodation is available on the Cruise Line, Client must offer the Cardholder a comparable cruise of similar itinerary and embarkation date at no additional cost to the Cardholder.
7.10.2. If the reserved Cruise Line accommodation is unavailable and the Cardholder either accepts any alternative Cruise Line accommodation and undertakes to pay for such accommodation, or chooses not to accept any alternative Cruise Line accommodation, Client must provide the following:
• A credit refund for the entire Transaction Amount of the Advance Deposit Transaction;
• A copy of the Credit Transaction Receipt to the Cardholder.
7.10.3. If the Cardholder accepts alternative Cruise Line accommodation and Client undertakes to pay for such accommodation, Client shall not provide a credit refund for the amount of the Advance Deposit Transaction.
7.10.4. When a Cardholder uses the Advance Deposit Service, if Cardholder accepts the alternative Cruise Line accommodation in accordance with art.
7.10.5. Client must offer the following to the Cardholder without charge:
• An additional night's accommodation;
• Airfare to a different port city or airline transportation to the airport nearest the Cardholder’s residence; and
• Reasonable out-of-pocket expenses incurred by the Cardholder.
8. Specific Requirements to Clients offering Online Storage or File-sharing Services
8.1.1 If Client is offering Online storage or File-sharing services and also a) rewards Users of the Client or Sponsored Client’s service for uploading, downloading, or sharing content and/or b) promotes online content by distributing URL codes or forum codes to individuals or third parties and/or c) has implemented a link-checker on the Client’s or any of Client’s subcontractors’ website(s), allowing individuals to check whether a link has been disabled in order to re-upload content that has previously been removed, must comply with the following in order to adhere to the present Acceptance policy:
● Client and/or Client’s subcontractors must report all illegal content to the relevant authorities based on the local laws governing the country(ies) in which a) the Client or Sponsored Client has its Client Outlet and/or b) the illegal content is stored and/or c) the illegal content is uploaded and/or downloaded.
● Client and/or Client’s subcontractors must implement a process for reviewing, removing, and reporting illegal or prohibited content and for preventing individuals who have uploaded illegal or prohibited content from uploading any content in the future.