AML / KYC Policy

1. Introduction

Know Your Client (KYC) and Anti-Money Laundering (AML) procedures exist for one purpose: making sure the platform is used by real people with real money, and not as a pipe for the proceeds of crime. For you, that means a short verification step when you open an account and occasional questions later. For the platform, it means identity checks, risk assessment, transaction monitoring, and reporting duties to the Financial Intelligence Unit of Trinidad and Tobago where the law requires it.

2. What KYC is

KYC is client identification: collecting the details and documents needed to confirm that you are who you say you are. It happens at onboarding and is refreshed when information grows stale. A completed KYC file lets the platform confirm your identity, contact you, and pay withdrawals to accounts in your own name, which is also the single strongest protection against someone else impersonating you.

3. What AML is

AML is the wider program around KYC: assessing the money-laundering risk each client and transaction carries, monitoring activity for patterns that do not fit the client profile, investigating what does not fit, and reporting suspicions through the required channels. The program is risk-based, which means more attention goes where the risk is higher, not equally everywhere.

4. Why identity verification is required

Verification protects three parties at once. It protects you, because an account tied to verified identity is far harder for a criminal to hijack or impersonate. It protects the platform, because it keeps stolen and criminal funds out. And it protects the financial system of Trinidad and Tobago, because unverified channels are exactly where illicit money looks for a home. Refusing verification is not an option the platform can offer.

5. Documents you will be asked for

Identity is confirmed with a government-issued photo document: a passport, national identification card, or driver's licence. Address is confirmed with a utility bill, bank statement, or similar dated document in your name. Where a session requires it, a short selfie or liveness check confirms the document belongs to the person presenting it. The platform does not ask for documents it cannot verify, and never asks you to send credentials, passwords, or card PINs for KYC purposes.

6. The verification process, step by step

Registration collects your name, email, and phone. You then upload the identity document and the address document through the secure onboarding flow. Automated checks run first, comparing the document against public and provider records, usually within minutes. Cases that need a human look, such as a smudged scan or a name change, go to a manual reviewer. You are notified of the result either way, and an unclear case always comes with what is needed to resolve it.

7. Enhanced due diligence

Some situations call for enhanced due diligence (EDD): clients with public functions or their close associates, structures with complex ownership, funding from unusual sources, and activity that is simply inconsistent with the profile on file. EDD can mean additional documents, a source-of-funds declaration, or a longer review. It is not an accusation; it is the program doing its job where the risk is genuinely higher.

8. How long verification takes

Automated checks normally finish the same business day, and most straightforward cases complete within one business day. Manual review, document resubmissions, and EDD extend the timeline, and delays at document issuers or data providers can too. If verification is taking longer than two business days and you have heard nothing, write to [email protected] and quote your registration email.

9. Reasons verification can be declined

A file can be declined for unreadable or cropped documents, an expired document, a mismatch between the document and the registration details, indications of tampering, a document already flagged in another file, or failure to respond to information requests within the stated period. A decline is explained where the rules allow it, and you may reapply with corrected documents. Deliberately false information closes the file permanently.

10. Transaction monitoring

Once an account is active, deposits, withdrawals, and trading patterns are monitored against the client profile and risk rules. Round-amount sequences, rapid pass-through of funds, sudden changes in volume, and interactions with high-risk destinations are examples of what the rules look for. When something fits poorly, the platform may ask for an explanation, pause specific functions, or file a report; where the law prohibits tipping off, the platform cannot discuss a report that has been made.

11. Your responsibilities as a client

You are responsible for giving accurate, current, and genuine information, updating details that change, and using only accounts, cards, and wallets in your own name for funding and withdrawals. Third-party funding, lending your account to someone else, and using the platform for anything other than your own investment activity are breaches of the terms and of this policy, with consequences up to closure and reporting.

12. Storage and protection of KYC data

Verification data is stored encrypted, separated from general account data, and accessible only to the compliance function, with every access logged. Retention follows the periods required by applicable Trinidad and Tobago requirements, after which documents are destroyed. The full data handling detail, including your rights over that data, is in the Privacy Policy.

13. Who your data can be shared with

KYC and AML information is shared only where there is a basis: identity providers that run the automated checks, execution and custody intermediaries that must know their client, technology providers operating under processing agreements, and regulators or authorities where disclosure is required by law, including the Financial Intelligence Unit of Trinidad and Tobago. The platform does not sell client data, full stop.

14. Compliance with Trinidad and Tobago requirements

The program is aligned with the obligations of the Proceeds of Crime Act framework and the FIU Trinidad and Tobago guidance applicable to reporting entities, covering customer due diligence, record keeping, monitoring, and suspicious-activity reporting. Where services involve TTSC-authorised intermediaries, those intermediaries' own onboarding requirements apply in parallel. The program is reviewed as the legal framework evolves.

15. Contact for KYC and AML questions

Questions about verification status, documents, source-of-funds requests, or this policy go to Client Support and Compliance at [email protected], Monday to Friday, 8:00 to 16:30 AST (excluding public holidays). Written questions get written answers, so the record is as complete as your file.