AML & KYC Policy

1. Regulatory Mission Statement

Arvo FX is committed to the highest standards of the Financial Action Task Force (FATF) and international anti-financial crime regulations. We operate under a Zero-Tolerance Policy regarding Money Laundering (ML), Terrorist Financing (TF), and the facilitation of fraudulent scams. Our internal controls are designed to prevent the placement, layering, and integration of illicit funds into the financial system.

2. Customer Due Diligence (CDD) & Verification

No user may utilize Arvo FX services without successfully completing our mandatory Know Your Customer (KYC) protocol. This verification is tiered based on account activity and risk profile:

• Identity Verification: Submission of a valid government-issued Photo ID (Passport, National ID, or Driver’s License) and a biometric liveness check.
• Address Verification: A utility bill, bank statement, or government document dated within the last 90 days.
• Enhanced Due Diligence (EDD): High-volume traders or Politically Exposed Persons (PEPs) must provide Source of Wealth (SOW) documentation to prove the legal origin of their capital.

3. Bank Transfer & Assigned Vendor Accounts

To facilitate global liquidity and rapid funding, Arvo FX utilizes a network of regulated third-party liquidity providers and banking vendors.

3.1. Assigned Vendor Accounts

Upon initiating a deposit, the system may assign a specific Vendor Bank Account or Virtual IBAN unique to that transaction. These accounts are provided for the sole purpose of funding the user’s Arvo FX wallet. Any attempt to use these accounts for third-party business payments or unauthorized transfers is a violation of this policy.

3.2. First-Party Rule

Arvo FX strictly enforces a "First-Party Only" deposit rule. The name on the sending bank account must exactly match the name registered on the Arvo FX account. Third-party deposits are prohibited and will be returned to the sender minus administrative fees.

4. Withdrawal Restrictions & Anti-Layering

To comply with anti-layering regulations, Arvo FX enforces strict controls on the movement of funds that have not been used for their intended purpose.

4.1. No-Immediate-Withdrawal Rule

Funds deposited into an Arvo FX account cannot be immediately withdrawn without accompanying trading activity. Arvo FX does not permit its infrastructure to be used as a pass-through for funds. If a user requests to withdraw "stagnant" or "inactive" funds, the account is automatically flagged for a Mandatory Security Audit.

4.2. Security Audit & Cooling-Off Period

All deposits are subject to a minimum 72-hour verification window before withdrawal eligibility. Withdrawals of inactive funds will only be approved if the user passes a manual Source of Funds (SOF) review and the funds are returned to the original source of origin.

5. Right to Interdict and Hold Funds

Arvo FX reserves the executive right to delay, block, or freeze any transaction and/or hold funds within a user’s account at its sole discretion under the following circumstances:

• Scam Protection: Suspected romance scams, investment fraud (Pig Butchering), or transfers made under the "coaching" or duress of a third party.
• Unusual Velocity: Transactions that deviate significantly from the user's established financial profile.
• Administrative Review: Verification holds typically last between 24 to 72 business hours but may be extended if the user fails to provide requested documentation.

6. Limitation of Liability

Arvo FX shall not be held liable for any losses, including market fluctuations or exchange rate shifts, incurred during a good-faith "Security Hold" or "Administrative Audit." In accordance with Anti-Tipping Off regulations, Arvo FX is legally prohibited from informing a user if their account is under investigation for potential money laundering.

7. Prohibited Activities

The following activities result in immediate account termination and potential reporting to financial authorities:

• Using Arvo FX as a "Money Mixing" or "Tumbler" service.
• Receiving third-party funds into assigned vendor bank accounts.
• Providing fraudulent or "coached" information during a security audit.