AML / KYC Policy
Identity and financial checks help prevent account misuse, fraud, money laundering and other unlawful activity. This policy explains the information that may be needed, how checks relate to deposits and withdrawals, and how to provide documents securely.
1. Scope and responsibility
The operator identified on this website is Carlitta N.V., registration number 162777. Liriona Ltd is identified as a payment agent. Checks can relate to access through the website and to account or payment functions on the connected platform.
Know Your Customer checks establish who is using an account and whether that person is eligible. Anti-money-laundering checks examine transactions and the source or purpose of funds where necessary. These processes apply alongside the Terms & Conditions and Privacy Policy.
2. A proportionate verification process
The information needed for a review depends on the account, transaction, payment method and concern being examined. Checks can be requested at registration, before a payment is processed, when account details change or when activity requires further explanation.
A request for additional information does not automatically mean that unlawful activity has occurred. It means the account or transaction cannot yet be assessed on the information available. Follow the specific instructions in the account rather than relying on a universal document list.
3. Identity and address
Identity checks can require an unexpired government-issued document showing the information necessary to confirm the account holder, such as name, date of birth and photograph. Additional steps may be needed to confirm that the person submitting the document is its holder.
Where address evidence is needed, follow the account instructions for accepted documents and the details that must remain visible. Information supplied during registration must match the verified account holder. Explain a genuine change of name or address through the support process.
4. Payment ownership
Use payment instruments and accounts that belong to you. A payment review may require evidence linking the account holder to a bank card, bank account, electronic wallet or other payment method. Only supply the information requested through the secure process.
Never send a password, PIN, one-time code or card security code. If card evidence is requested, follow the instructions on which digits may be visible and which should be concealed. Do not send an unrestricted card image through an ordinary message.
5. Source of funds and source of wealth
A review may require an explanation of where money used in a transaction came from. Depending on the question being examined, supporting evidence may relate to income, savings, a sale, a gift or another legitimate source.
Source of funds concerns the origin of a particular amount. Source of wealth concerns how a person’s broader financial position was established. Provide an explanation and documents that address the actual request, with enough context to connect them to the relevant activity.
6. Cryptocurrency transactions
Cryptocurrency payments do not remove identity, ownership or source-of-funds checks. A review may involve the asset, network, sending or receiving address, transaction hash and information connecting the transfer to the account holder.
Make sure the asset and network match the deposit or withdrawal instructions. Save the transaction hash and do not treat confirmation on a blockchain as confirmation that an account review is complete.
7. Activity and compliance reviews
A review can consider patterns that appear inconsistent with the account information, use of another person’s payment method, linked or duplicate accounts, disputed payments or attempts to bypass a restriction. Further information may be needed to understand the activity.
Where required, relevant identity, sanctions or other compliance checks may be carried out. These checks must be considered in the context of applicable obligations; they are not replaced by a deposit amount, a claimed account status or the choice to use cryptocurrency.
8. Pending checks and outcomes
An account function or transaction may remain restricted while necessary information is missing, inconsistent or being reviewed. Completing one verification step does not prevent a further request when a different issue arises.
Depending on the findings and applicable obligations, the outcome may be approval, a request for clarification, refusal of a transaction or an account restriction. Any handling of a remaining balance must follow the relevant rules and legal requirements. This policy does not create a blanket right to take an account balance.
9. Secure submission and confidentiality
Upload documents only through the channel specified in your account. Use clear images of genuine, current documents and do not alter the information being verified. Contact support if you are unsure whether a request is authentic.
Verification records should be accessible only to people and providers who need them for the review or an applicable obligation. The Privacy Policy explains handling and retention in more detail. Closing an account does not necessarily end obligations to keep compliance records.
10. Lawful disclosures and enquiries
Information may need to be shared with competent authorities or other authorised recipients where required by law. Some details of a compliance review or disclosure may not be available for discussion where confidentiality restrictions apply.
For a verification enquiry, use account support and include the case number, the requested check and the documents already supplied. Do not submit repeated copies through several unrelated channels. Ask for the formal complaints process if an account issue remains unresolved.