You may not use Speedy, or help anyone else use Speedy, to:
- Send money on behalf of someone else, or let another person use your account, phone or passkey.
- Break the law, including money laundering, terrorist financing, tax evasion, fraud or bribery.
- Evade sanctions, including sending to or for the benefit of a person, entity or region subject to U.S. sanctions, or hiding the true recipient or purpose of a transfer.
- Structure transfers, meaning splitting amounts to avoid limits, reporting or record-keeping requirements.
- Pay for illegal goods or services, including illegal drugs, weapons, counterfeit goods, human trafficking or sexual exploitation.
- Gamble or bet with operators that are not licensed where you and they are located.
- Pay for businesses, invoices or commercial purposes. Speedy is for personal, family and household transfers.
- Buy or sell virtual currency, or pay crypto exchanges or brokers.
- Commit or assist scams, including romance, investment, lottery, job, impersonation or "advance fee" scams, or receive money as a "money mule".
- Give false information, use stolen identity documents or payment methods, or open more than one account.
- Interfere with the Services, including scraping, reverse-engineering, overloading systems, testing vulnerabilities outside our Security program, or abusing the AI assistant.
- Harass our staff, recipients or other users.
If we believe a transfer breaks this policy, we may refuse, hold or reverse it, close accounts and report activity to authorities, as permitted by the User Agreement and the law.