AML / KYC Policy

  1. General Provisions

WinEXa Finance adheres to the principles and practices of anti–money laundering, counter-terrorist financing, and counter-proliferation of weapons of mass destruction (AML), as well as the “Know Your Customer” (KYC) principles.

The purpose of this Policy is to:

  • prevent the use of WinEXa Finance services for illegal activities;
  • mitigate financial, reputational, and legal risks;
  • comply with applicable compliance requirements and internal risk-management procedures.

Important: The website winexa.finance is informational in nature and does not conduct transactions, accept funds, or collect personal data through online forms. Any AML/KYC procedures are applied outside the Website, during consultations and/or actual service provision via WinEXa Finance managers and/or authorized partners.

 

  1. When AML/KYC Procedures Apply

AML/KYC procedures may be applied, including but not limited to, the following cases:

  • when initiating cooperation after a user contacts WinEXa Finance via Telegram or another communication channel;
  • prior to performing operations that may be considered high-risk;
  • when internal thresholds related to risk level, transaction amount, or frequency are exceeded;
  • in case of suspicious behavior or inconsistencies in provided information;
  • when required by banks, payment providers, partners, or applicable compliance rules.

 

  1. KYC Procedures (Identification and Verification)

3.1. Individual Clients

WinEXa Finance may request documents to verify a client’s identity and/or address. Typical documents may include:

Proof of identity (one of the following):

  • national passport or international passport;
  • ID card;
  • other official identification document, if required.

Proof of address (one of the following):

  • utility bill;
  • bank statement;
  • tax document;
  • document issued by a governmental or municipal authority.

3.2. Corporate Clients

For legal entities, WinEXa Finance may request:

  • company registration documents;
  • proof of the company’s registered address;
  • documents confirming the authority of the representative (director or authorized person);
  • information on ownership structure and ultimate beneficial owners (UBOs);
  • identification documents and proof of address of UBOs.

3.3. Enhanced Due Diligence

Where required, WinEXa Finance may apply enhanced due diligence (EDD), including:

  • verification of the source of funds;
  • verification of the source of wealth;
  • video verification or additional clarifications;
  • screening against sanctions lists, PEP status, and adverse media, where applicable.
  1. Monitoring and Risk Assessment

WinEXa Finance applies a risk-based approach and may conduct reviews to identify:

  • suspicious activity;
  • transactions inconsistent with a client’s profile;
  • indicators of fraud, nominee arrangements, or attempts to conceal the origin of funds.

If concerns arise, WinEXa Finance may:

  • request additional information or documentation;
  • suspend the execution of a request or operation pending review;
  • refuse to provide services where risks are deemed unacceptable or information cannot be verified.
  1. High-Risk Categories and Restrictions

WinEXa Finance reserves the right to refuse service or terminate cooperation if there are reasonable grounds to believe that funds or digital assets are linked to illegal activities, including but not limited to:

  • terrorism financing;
  • drug trafficking;
  • fraud or scams;
  • extortion or ransomware;
  • stolen assets;
  • illegal services;
  • transaction obfuscation via mixers or similar tools;
  • unlicensed gambling;
  • sanctioned individuals or jurisdictions, where applicable.
  1. Refunds and Payment Details

If, during compliance review, an operation is deemed high-risk or non-compliant, WinEXa Finance may decide not to proceed with the request.

Where a refund is possible, it may be processed only after completion of all required checks and, as a rule, only to the same source or payment details from which the funds originated, provided this does not conflict with security or compliance requirements.

  1. Information Retention

Where AML/KYC verification is conducted, WinEXa Finance may retain provided documents and information only to the extent necessary for:

  • internal risk-management and compliance purposes;
  • fraud prevention and abuse protection;
  • fulfillment of legal and regulatory obligations, where applicable.
  1. Cooperation with Authorities

WinEXa Finance may disclose information to competent governmental or regulatory authorities solely in cases and in the manner required by applicable law, based on a duly issued legal request.

  1. Contact Information

For any questions related to this AML/KYC Policy, please contact:

📩 support@winexafinance.com

  1. Final Provisions

This AML/KYC Policy is a public document and is available in the footer of the Website winexa.finance.

WinEXa Finance reserves the right to amend or update this Policy. The current version is always published on the Website.