[gharial]

Again - then why not just explicitly ban it altogether? Why say it's allowed under certain parameters and then ban users anyway when they meet those parameters exactly as required? They obviously have a list of products/transactions deemed too high-risk by their contract, they need to state what they are explicitly if they want to stop the PR bleeding.

I've been doing this for four years and we've never had a single dispute, but that's really neither here nor there.