Sanfinc (“we,” “our,” “the Company”) is committed to conducting business in accordance with the highest ethical, legal, and professional standards. This Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy outlines our approach to preventing the misuse of our services for money laundering, terrorist financing, or any unlawful financial activity.

1. Purpose

This policy ensures compliance with applicable AML and Counter-Terrorist Financing regulations in the jurisdictions in which we operate. It also demonstrates our commitment to transparency and responsible business practices.

2. Customer Due Diligence (CDD)

Before entering into a business relationship, we will:

• Verify the identity of our clients using reliable, independent documents (e.g., government-issued ID, company registration certificates).
  
• Collect business information such as name, address, and purpose of services.
  
• Perform enhanced due diligence for higher-risk clients or unusual transactions.

3. Monitoring Transactions

We continuously monitor client transactions to detect and prevent suspicious activity. This includes:

• Reviewing payment methods (e.g., Stripe, bank transfers, cards).
  
• Monitoring unusual transaction sizes, patterns, or sources.
  
• Escalating suspicious activity to relevant authorities if necessary.

4. Record Keeping

We maintain accurate records of all transactions and customer identification data for at least five (5) years after the end of the business relationship.

5. Risk-Based Approach

We adopt a risk-based approach to AML compliance, categorizing clients and transactions based on risk factors such as geography, transaction type, and client profile.

6. Reporting Suspicious Activity

Any suspicious transaction will be reported to the appropriate Financial Intelligence Unit (FIU) or regulator in accordance with applicable laws.

7. Staff Training

All employees handling customer data and payments are trained on AML and KYC obligations to ensure compliance.

8. Client Consent

By using our services, clients agree to provide accurate information and cooperate with AML/KYC checks where required. Failure to comply may result in refusal or termination of services.

9. Contact Us

If you have any questions regarding this AML & KYC Policy, please contact:

📧 compliance@sanfinc.com