Merge pull request #501 from swan-io/DOC-1382/restricted-activities-public-page-update

Doc 1382/restricted activities public page update

Author: ntombing

docs/partnership/overview/rules-regulations.mdx

@@ -61,23 +61,47 @@ To learn about how Swan handles fees and your options to charge your users, refe
 
 ## Restricted businesses {#restricted-businesses}
 
-Swan builds infrastructure for businesses to embed financial services.
-Most types of companies can embed banking services with Swan, but some aren't allowed.
-Additionally, Swan must respect all local laws as well as the requirements of the payment networks and institutions on which Swan relies to this infrastructure.
+Swan builds infrastructure for businesses to embed financial services. 
+Most types of companies can embed banking services with Swan, but some aren't allowed. 
+Swan must also follow all local laws and rules from banks, payment networks, and regulators.
 
-This decision has nothing to do with whether Swan likes or dislikes certain industries.
-This is a risk-based decision: Swan won't work with industries that might pose a risk to the reputation or financial well-being of Swan or Swan Partners.
+This decision is risk-based, not preference-based. 
+Swan won't work with industries that could harm the reputation or finances of Swan or its partners.
 
-Swan restricts activities in the following categories:
+Restricted activities are categorized into two groups:
 
-| Category | Restricted activities |
+1. **Common Restricted Activities**: This list applies to all Swan Partners. Your users can access this list in our dedicated [Support Center article](https://support.swan.io/hc/en-150/articles/31972195452189-Restricted-businesses).  
+2. **Additional Restricted Activities**: These apply only to Partners with specific regulated services, such as Neobanks, Accounts Payable, and Capital deposits. Please contact your PIM (Partner Integration Manager) to confirm if these apply to your service.
+
+Businesses engaged in activities listed in either group will be ineligible to open an account.
+
+### Common restricted activities
+
+Swan restricts activities in the following list for all users:
+
+| **Category** | **Restricted activities** |
+| --- | --- |
+| Financial and regulatory risk activities | <ul><li>Shell banks</li><li>Trust & offshore company service providers</li><li>Company domiciliation business</li><li>Non-licensed money service businesses</li><li>Non-licensed payment service providers</li></ul> |
+| Crypto-assets and virtual currencies | <ul><li>Crypto-assets trading / exchange platforms</li><li>Crypto-assets custody platforms</li><li>Crypto-assets mixing activity</li><li>Crypto ATM</li></ul> |
+| Controversial or sensitive activities | <ul><li>Prostitution / escort</li><li>Organisation known as sects</li><li>Adult entertainment</li></ul> |
+| Substance and materials-related activities | <ul><li>Marijuana culture, products and trading</li><li>Scrap metal dealers</li><li>Weapons and defense materials providers</li></ul> |
+| High-risk or unregulated commerce | <ul><li>Door-to-door sales</li><li>Taxi phone & call shops</li></ul> |
+
+### Additional restricted activities
+
+Swan restricts activities in the following list for users of Swan Partners supporting specific regulated use cases.
+
+:::tip Recommendation
+If these restrictions affect your project, we recommend that you include both the common and additional lists of restricted activities in your own terms and conditions or support documentation, and share this list with your users.
+:::
+
+| **Category** | **Restricted activities** |
 | --- | --- |
-| Substance-related activities | <ul><li>Tobacco culture and products</li><li>Manufacture of tobacco products</li><li>Marijuana culture and illicit marijuana products</li></ul> |
-| Financial and regulatory risk activities | <ul><li>Shell banks</li><li>Trust & off-shore company service providers</li><li>Company domiciliation businesses</li><li>Non-licensed money service businesses and payment services providers</li><li>Crypto-assets trading, exchange and custody platforms</li><li>Crypto-currency mixing activity</li><li>Money remittance</li><li>Currency dealer & exchangers, FOREX</li></ul> |
-| Industries with a high environmental impact | <ul><li>Extractive industries such as oil, gas, and coal, including the extraction, processing, commerce, and other related activities</li><li>Nuclear material and power generation</li><li>Palm oil production</li><li>Polluting or dangerous industry chemicals</li></ul> |
-| Controversial or sensitive activities | <ul><li>Weapons and defense materials providers</li><li>Prostitution and escort services</li><li>Adult entertainment (pornography or similar activities)</li></ul> |
-| Gaming and entertainment | <ul><li>Gambling industry, including video games classified as online gambling</li><li>Game publisher of online games that permit value transfer between gamers</li><li>Online bartering services</li></ul> |
-| Other | <ul><li>Religious activities</li><li>Precious stones, gems, and jewels</li></ul> |
+| Tobacco and related industries | <ul><li>Tobacco culture</li><li>Manufacture of tobacco products</li><li>Wholesale trade of tobacco</li></ul> |
+| Extractive and high-impact energy industries | <ul><li>Extractive industries</li><li>Precious stones & metals, gems & jewels (wholesale)</li><li>Nuclear material</li><li>Nuclear power</li><li>Coal mining</li><li>Electricity generation from coal-fired power stations</li><li>Palm oil production</li><li>Oil & gas</li></ul> |
+| Industrial and chemical activities | <ul><li>Commodity inspection companies</li><li>Industry chemicals</li><li>Collection companies</li></ul> |
+| Gaming, gambling, and entertainment with monetary value | <ul><li>Game publisher of online games with value transfer</li><li>Gambling</li></ul> |
+| Financial and payment-related services | <ul><li>Money remittance providers</li><li>Crowdfunding service providers</li><li>Issuers and/or resellers of electronic money</li><li>Checks cashing providers</li><li>Currency dealers & exchange providers, FOREX</li><li>Microfinance providers</li><li>Online pots service providers</li><li>Online escrow payment services</li></ul> |
 
 :::info Eligibility
 Not participating in one of the listed industries doesn't mean your account will be validated.