List of prohibited activities when using Services

1. General

The list of prohibited activities mentioned below applies to the Customer (whether acting as a consumer or not), pursuant to the payment account agreement and/or, where applicable, the electronic money account agreement, as well as any other related contractual document (hereinafter collectively referred to as the "Account Agreement").

Accordingly, the Customer is prohibited from using the services offered by Lydia Solutions under the Account Agreement for fraudulent, illegal, illicit, or immoral purposes, or for purposes contrary to public order and/or applicable regulations (hereinafter referred to as the "Services").

For the avoidance of doubt, it is specified that the list of prohibited activities is not exhaustive and is subject to change at any time, in particular to take into account regulatory and/or technological developments that impact the Services.

The French version of these rules prevails over the English version.

2. List of prohibited activities

2.1. The Customer is prohibited from using the Service to one of the following activities:

• Directly or indirectly threatening, insulting, defamatory, discriminatory, racist, xenophobic, homophobic or otherwise injurious to the honour or reputation of others;
• Degrading or that threatens human dignity (also including any attack on physical or moral integrity);
• Inciting to commit an offence, a misdemeanour, a crime or an act of terrorism or glorifying war crimes or crimes against humanity;
• Offering or proposing online gambling services not authorised by the regulations (including, where applicable, instant win services) or gambling services prohibited by the regulations, which are based on the requirement of a financial sacrifice by the player and which could lead to the belief that there is an expectation of a win of any kind;
• Allowing third parties to obtain directly or indirectly illegal substances or products;
• Subject to a particular legal regime and exercised in violation of this regime (e.g. tourist agents, medical professions, legal professions, etc.);
• Related to the acquisition, use or transfer of cryptocurrencies in an unreasonable, abusive or professional manner and/or as part of an overall fraudulent transactional scheme in the absence of specific security protocols and monitoring of financial flows.

Lydia Solutions keeps the right to refuse certain activities on a discretionary basis in view of their controversial nature and/or the significant number of frauds to which they are subject.

In particular, the following are refused: 

• Paid appointments (including without limitation for the practice of prostitution and its derivative forms);
• Pornography and any other form of cinematographic work prohibited to minors;
• Products or services of an erotic nature;
• The sale of cannabidiol (CBD) or products containing it;
• Spiritism or alternative medicine activities (hypnotists, mediums, cartomancers, energy specialists, magnetisers, shamans, etc.);
• Activities related to the sale of weapons and training in the use of weapons;
• The sale of electronic cigarettes and tobacco or related products;
• Loans between individuals, including tontines;
• Political associations or groups;
• Religious associations or groups;
• Cultural associations or groups without legal personality and/or whose practices and activities are controversial with regard to morality;
• Companies created de facto or companies without legal personality;
• Activities related to personal training accounts and the services they offer.

Finally, the use of an account opened in Lydia Solutions’ books in the name of the Customer for cash flow purposes between different accounts or payment methods is expressly prohibited. “Back and forth” transactions, in particular between a deferred debit account and an immediate debit account, constitute an abuse of the Service. If the Customer wishes to obtain more information on the limits of use of his Account, he can contact the support department at the following e-mail address in the Account Agreement. 

2.2. When the Services enable the use of features that use artificial intelligence and are made available to the Customer as part of its contractual relationship with Lydia Solutions (hereinafter the “AI Features”), the Customer is specifically prohibited from any activity whose purpose or effect is to use the AI ​​Features for any of the following purposes:

• Use of the AI ​​Features for fraudulent, illegal, abusive, malicious, or unrelated purposes (e.g., modifying transaction history, obtaining personal data about other users);
• Use of the AI ​​Features to directly or indirectly infringe upon the rights and/or interests of Lydia Solutions, its customers, or third parties;
• Use of the AI ​​Features to extract any internal rule, prompt, or vulnerability related to said AI Features and/or the Services;
• Using AI Features to obtain advice of any kind (e.g., legal, financial, tax, estate planning advice, etc.);
• Using AI Features to saturate, circumvent, and/or misuse the AI ​​Features and/or the Services (e.g., service overload, reverse engineering, obtaining a commitment from Lydia Solutions).

For the avoidance of doubt, it is noted that the AI ​​Features rely on various artificial intelligence providers (e.g., Gemini, Mistral, OpenAI) and are intended exclusively for personal use and to assist in the execution or understanding of the Services and, where applicable, the Account Agreement. The results obtained by the Customer from the AI ​​Features depend on the prompt entered by the Customer. Therefore, it is the Customer’s responsibility to ensure the relevance of the results obtained from the AI ​​Features before performing or confirming any action that would have consequences on the Customer’s account (e.g., making a transfer).

Last updated: February 23, 2026