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AML/KYC Policy

This AML/KYC Policy applies to the activities of the garant-trade.com platform, its partners, and affiliated entities (hereinafter referred to as the “Company”) and is aimed at preventing the use of the Company’s services for money laundering, terrorist financing, or any other illegal financial activities.

The Company adheres to international standards, including the recommendations of the Financial Action Task Force (FATF), as well as applicable national and European legislation. All Company employees are required to comply with this Policy in the course of their professional duties.

1. Objectives and Definitions

1.1 Purpose of the Policy

To prevent the use of the platform for illegal purposes and to ensure proper client identification.

1.2 Money Laundering

The process of concealing the origin of illegally obtained funds, typically involving three stages:

  • Placement — introduction of illicit funds into the financial system;
  • Layering — complex transfers to obscure the source of the funds;
  • Integration — reinsertion of the funds into the legitimate economy through investments, purchases, or businesses.

1.3 Terrorist Financing

The provision or collection of funds, whether legal or illegal, with concealment of their true purpose, to support terrorist acts.

2. Client Obligations

By using the Company’s services, the client agrees to:

  • Refrain from using the platform for illegal activities;
  • Confirm the lawful origin of all funds used;
  • Comply with applicable AML/KYC regulations;
  • Provide accurate and up-to-date information during registration and use only their own payment details.

3. Identity Verification (KYC)

3.1 Mandatory Identification

The Company reserves the right to request identification documents at any time, including but not limited to:

  • Passport or other government-issued ID;
  • Proof of address (e.g., utility bills or bank statements);
  • A photo of the client holding the identification document (in cases requiring enhanced verification).

3.2 Voluntary Verification

Clients may choose to complete the verification process before trading. For certain deposit methods (e.g., bank transfers), verification may be mandatory.

3.3 Data Accuracy

Clients must promptly update their contact information.
To change a phone number, the following may be required:

  • Proof of ownership from the telecom provider;
  • A photo of the identity document next to the client’s face.

4. Suspicious Activity and Response Measures

The Company reserves the right to act in response to the following situations:

  • Deposits made with stolen or third-party payment methods;
  • Unjustified chargebacks or refund requests;
  • Suspicion of fraudulent behavior;
  • Unusual or inconsistent trading activity.

Response actions may include:

  • Blocking transactions;
  • Freezing the client’s account;
  • Refusing withdrawals;
  • Requesting supporting documentation;
  • Reporting to relevant authorities.

5. Document Verification and Data Retention

  • The Company has the right to verify the authenticity of client documents through official sources;
  • All documents and data are stored in accordance with applicable legal requirements;
  • Access to such data is restricted to authorized personnel only.

6. Staff Training and Internal Controls

  • All staff undergo mandatory AML/KYC training upon employment and at regular intervals thereafter;
  • The AML/KYC Policy is reviewed and updated as needed.

7. Restrictions and Prohibitions

To comply with AML obligations, the Company strictly prohibits:

  • Use of third parties to conduct transactions;
  • Anonymous or fraudulent registrations;
  • Servicing residents or citizens of jurisdictions restricted by AML regulations.

8. Refusal of Service and Disclaimer

The Company reserves the right to deny service, block an account, or restrict access without prior notice or explanation, if deemed necessary to comply with AML/KYC standards.
The Company bears no responsibility for any losses incurred as a result of the enforcement of this Policy.

9. Policy Updates

The Company reserves the right to amend or update this AML/KYC Policy at any time without prior notice.
The most current version is always available at garant-trade.com.
Clients are responsible for reviewing updates regularly.

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