退款政策

Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy

1. Introduction

[Your Website Name / Honest Partners] is committed to the highest standards of compliance in anti-money laundering (AML) and counter-terrorism financing (CTF). We maintain a zero-tolerance policy towards any illegal activities conducted through our platform. Our AML policy is designed to prevent our gift card exchange services from being used for money laundering, fraud, or other financial crimes.

2. User Identification (KYC)

To ensure the integrity of our transactions, we implement a robust Know Your Customer (KYC) procedure. Depending on the volume and frequency of trades, users may be required to provide:

  • Tier 1: Full Name, Email Address, and Phone Number (Verified via OTP).

  • Tier 2: Government-issued identification (NIN, Voter’s Card, Driver’s License, or International Passport).

  • Tier 3: Proof of address and facial verification for high-volume corporate or individual traders.

3. Source of Funds & Gift Cards

By using our services, you explicitly represent and warrant that:

  • The gift cards provided are obtained through legal means.

  • The gift cards are not associated with any criminal activity, including but not limited to business email compromise (BEC), romance scams, or phishing.

  • You are the rightful owner or have the legal authority to trade the card.

4. Transaction Monitoring & Reporting

We employ automated and manual systems to monitor transactions for suspicious patterns, such as:

  • Sudden, unexplained spikes in trading volume.

  • The use of multiple accounts by a single individual.

  • The submission of cards previously reported as stolen or fraudulent. [Your Website Name] reserves the right to freeze any transaction or account under investigation and report suspicious activities to the relevant authorities (e.g., EFCC in Nigeria) without prior notice to the user.

5. Prohibited Jurisdictions

We do not offer services to individuals or entities listed on international sanction lists (e.g., OFAC, UN, EU sanctions). Users from restricted regions are prohibited from using our platform.

6. Record Keeping

In compliance with international financial regulations, we maintain records of all transactions and identification data for a minimum of five (5) years. This data is handled securely in accordance with our Privacy Policy.

7. Compliance Officer

We have designated a Compliance Officer responsible for overseeing our AML program and ensuring that all staff are trained to identify and prevent financial crimes.

8. Contact Information

If you have questions regarding our AML/KYC procedures, please contact our compliance team at:

  • Email: [Your Support Email]

  • WhatsApp: [Your Business WhatsApp Number]

  • Address: [Your Physical Office Address in Nigeria/Ghana]