MINTDOWNLOADS™ AML / KYC COMPLIANCE POLICY

(Anti-Money Laundering & Know Your Customer Framework)
Effective Date: 05 February, 2026

1. POLICY OBJECTIVE

MintDownloads™ is committed to preventing:

Money laundering

Terrorist financing

Fraud

Sanctions violations

Illicit financial activity

This Policy applies to:

Vendors

Buyers

Affiliates

Subscribers

2. LEGAL FRAMEWORK

This Policy aligns with:

FATF Recommendations

Global AML standards

OFAC Sanctions Regulations

EU AML Directives

Applicable national laws

3. RISK-BASED APPROACH

We implement a risk-based framework considering:

Geographic risk

Transaction volume

Payment method

Cryptocurrency usage

Suspicious behavioral indicators

Higher-risk accounts may face enhanced due diligence.

4. KYC REQUIREMENTS

We may require identity verification including:

Government-issued ID

Proof of address

Selfie verification

Business registration documents (for Vendors)

Tax identification numbers

Failure to provide information may result in account suspension.

5. ONGOING MONITORING

We monitor:

Unusual transaction patterns

Large withdrawals

Multiple refund abuse patterns

Rapid crypto conversions

IP inconsistencies

Suspicious transactions may be delayed or frozen.

6. SANCTIONS SCREENING

We screen users against:

International sanctions lists

Politically exposed persons (PEP) databases

Watchlists

Access may be denied if matched.

7. REPORTING OBLIGATIONS

We may report suspicious activity to:

Financial authorities

Law enforcement agencies

Regulatory bodies

Users will not be notified where prohibited by law.

8. RECORD RETENTION

We retain KYC and transaction records as required by law (typically 5–10 years).

9. CRYPTO TRANSACTION MONITORING

Crypto transactions may undergo:

Blockchain analytics

Risk scoring

Wallet screening

High-risk wallets may be blocked.

10. TERMINATION

Accounts may be suspended or terminated if:

False information is provided

Illegal activity is suspected

AML rules are violated

Funds may be frozen pending investigation.