Anti-Money Laundering (AML) Policy

1. Policy Statement

We maintain a risk-based AML/CTF program including customer identification, transaction monitoring, record-keeping, staff training, and reporting to authorities when required.

2. Regulatory Framework

Our program is designed with reference to the Prevention of Money Laundering Act, 2002 (PMLA), applicable RBI KYC/AML guidance, FEMA where relevant, and partner requirements. Confirm direct applicability with legal counsel for your business model.

3. Customer Due Diligence

• Register with verified Indian mobile OTP.
• Complete PAN and Aadhaar KYC for full features.
• Use only your own payment and payout instruments.
• Respond promptly to compliance inquiries.

4. Enhanced Due Diligence

We may require additional information or documents for high-value transactions, rapid buy-sell patterns, PEP/sanctions hits, or other elevated risk indicators.

5. Transaction Monitoring

• Automated and manual review of transaction patterns.
• Admin blocking with documented reasons.
• Duplicate identity prevention via hashed PAN/Aadhaar.
• Cooperation with payment partner fraud tools.

6. Suspicious Transaction Reporting

Where required, we file reports with FIU-IND or other authorities. Users will not be tipped off where prohibited by law. Compliance contact: support@goldwalt.com.

7. Record Keeping

KYC and transaction records are retained per our Data Retention Policy and statutory minimums.

8. User Cooperation

You must not use the Platform for illicit funds, sanctions evasion, or identity fraud. Non-cooperation may result in immediate account blocking.