AML & KYC Policy

1. Introduction and Policy Statement

Arvo Fx ("the Company") is fully committed to conducting its business in strict compliance with all applicable laws and regulations concerning Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF). We have implemented a comprehensive framework of policies, procedures, and internal controls designed to prevent our financial services from being used for illicit activities.

This policy outlines our approach to Know Your Customer (KYC) procedures and our ongoing commitment to maintaining a secure and compliant trading environment for all clients.

2. Know Your Customer (KYC) Procedures

A fundamental part of our AML framework is the robust verification of each client's identity and background. This Customer Due Diligence (CDD) process is mandatory for all clients before full account activation.

2.1. Identity Verification (Proof of Identity - POI)

Clients are required to provide a valid, non-expired, government-issued identification document. Acceptable documents include:

• A valid Passport.
• A National Identity Card.
• A Driver's License that includes a photograph.

The document must clearly show the client's full name, date of birth, photograph, and expiry date.

2.2. Address Verification (Proof of Address - POA)

Clients must also provide a document to verify their residential address. This document must be dated within the last three (3) months and clearly show the client's full name and address as provided during registration. Acceptable documents include:

• A utility bill (e.g., electricity, water, gas, internet).
• A bank or credit card statement.
• A government-issued tax document or residency certificate.

3. Ongoing Monitoring and Due Diligence

Our compliance obligations do not end after the initial verification process. We conduct ongoing monitoring of client accounts and transactions.

• Transaction Monitoring: We utilize automated systems to monitor client deposits, withdrawals, and trading activity for patterns that may be indicative of money laundering or other illicit activities.
• Enhanced Due Diligence (EDD): For clients identified as higher risk, including Politically Exposed Persons (PEPs), we conduct enhanced due diligence measures. This may involve seeking additional information regarding the source of funds and wealth.
• Record Keeping: We maintain all client identification records and transaction histories for a minimum period as required by law (typically five years) after the business relationship has ended.

4. Prohibited Activities & Policies

4.1. No Third-Party Payments

Arvo Fx has a strict **no third-party payments policy**. All funds deposited into a trading account must be from a source (e.g., bank account, credit/debit card, or crypto wallet) that is in the same name as the Arvo Fx trading account holder. Similarly, all withdrawals must be made back to an account or wallet in the same name.

4.2. Reporting of Suspicious Activity

In accordance with international law, the Company is obligated to report any suspicious activities to the relevant Financial Intelligence Unit (FIU) or other law enforcement authorities. The law may prohibit the Company from informing the client that a report has been filed.

5. Client Cooperation

Clients are required to cooperate fully with the Company's compliance department and provide any requested information or documentation in a timely manner. Failure to comply with our KYC and AML procedures may result in the suspension or termination of your account.