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

 

Fine Gold Reserve

Last Updated: 1st January, 2026

1. Purpose

This Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy outlines the procedures adopted by Fine Gold Reserve (“Company”, “we”, “our”, or “us”) to prevent money laundering, terrorist financing, fraud, and other financial crimes.

Fine Gold Reserve is committed to maintaining the highest standards of financial integrity, transparency, and regulatory compliance across all jurisdictions in which it operates.

2. Regulatory Commitment

Fine Gold Reserve implements compliance measures aligned with internationally recognized standards, including:

  • Financial crime prevention frameworks
  • Anti-Money Laundering regulations
  • Counter-Terrorist Financing (CTF) obligations
  • Global sanctions screening requirements

The Company applies risk-based compliance controls designed to meet or exceed applicable regulatory expectations.

3. Scope of Application

This policy applies to:

  • Individual clients
  • Corporate clients
  • Institutional investors
  • Business partners
  • Platform users worldwide

All users must complete identity verification before accessing digital gold services.

4. Know Your Customer (KYC) Requirements

4.1 Individual Verification

Clients may be required to provide:

  • Full legal name
  • Date of birth
  • Nationality
  • Residential address
  • Government-issued identification
  • Selfie or biometric verification
  • Proof of address documentation

Verification must be successfully completed prior to transactions.

4.2 Corporate Verification

Business or institutional clients may be required to provide:

  • Certificate of incorporation
  • Registered business address
  • Ownership structure
  • Ultimate Beneficial Owner (UBO) information
  • Director identification documents
  • Authorized signatory verification

Enhanced due diligence may apply to complex corporate structures.

5. Customer Due Diligence (CDD)

Fine Gold Reserve conducts ongoing customer due diligence including:

  • Identity verification
  • Risk assessment profiling
  • Transaction monitoring
  • Periodic account review

Clients may be requested to update documentation periodically.

6. Enhanced Due Diligence (EDD)

Additional verification procedures may be applied to:

  • Politically Exposed Persons (PEPs)
  • High-risk jurisdictions
  • High-value transactions
  • Unusual transaction patterns
  • Institutional clients

Enhanced monitoring ensures compliance with global financial crime prevention standards.

7. Sanctions Screening

All clients and transactions are screened against:

  • International sanctions lists
  • Government watchlists
  • Financial crime databases

Accounts linked to sanctioned individuals or entities will be restricted or terminated.

8. Transaction Monitoring

Fine Gold Reserve monitors platform activity to identify:

  • Suspicious transaction behavior
  • Structuring or layering attempts
  • Rapid movement of funds
  • Unusual account activity

The Company reserves the right to delay or block transactions pending review.

9. Source of Funds & Wealth

Clients may be required to provide evidence demonstrating lawful origin of funds, including:

  • Bank statements
  • Business income records
  • Investment documentation
  • Asset ownership records

Failure to provide satisfactory information may result in account limitations.

10. Suspicious Activity Reporting

Where required by law, Fine Gold Reserve may:

  • Report suspicious activities to competent authorities
  • Share information with regulators or financial intelligence units
  • Freeze accounts during investigations

Clients will not necessarily be notified when such reports are made.

11. Record Keeping

The Company maintains compliance records including:

  • Identification documents
  • Transaction histories
  • Risk assessments
  • Compliance reviews

Records are retained for legally required retention periods.

12. Ongoing Monitoring

AML compliance is continuous and includes:

  • Automated monitoring systems
  • Manual compliance reviews
  • Periodic risk reassessment
  • Audit and compliance oversight

Accounts may be re-verified at any time.

13. Prohibited Activities

The platform may not be used for:

  • Money laundering
  • Terrorist financing
  • Fraudulent transactions
  • Sanctions evasion
  • Illegal trade activities

Violations may lead to immediate account suspension and legal reporting.

14. Account Restrictions

Fine Gold Reserve may restrict or terminate accounts if:

  • Verification requirements are not met
  • Suspicious activity is detected
  • False information is provided
  • Regulatory obligations require action

15. Data Protection & Confidentiality

Personal information collected for AML/KYC purposes is processed in accordance with our Privacy Policy and handled with strict confidentiality and security controls.

16. Employee Compliance & Training

Fine Gold Reserve maintains internal compliance procedures including:

  • Staff AML training programs
  • Compliance oversight controls
  • Internal reporting mechanisms
  • Independent compliance reviews

17. Risk-Based Approach

Fine Gold Reserve applies a risk-based compliance framework, meaning:

  • Higher-risk clients receive enhanced scrutiny
  • Lower-risk clients undergo standard monitoring
  • Controls evolve based on emerging risks

18. Amendments to Policy

This AML/KYC Policy may be updated periodically to reflect:

  • Regulatory changes
  • Operational developments
  • Risk management improvements

Updated versions will be published on this page.

19. Contact Information

For compliance inquiries:

Compliance Department
 Fine Gold Reserve

Email: compliance@finegoldreserve.com
 Website: www.finegoldreserve.com