At tosmmpanel.com, we are committed to preventing money laundering, fraud, terrorist financing, and other illegal activities. This Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy outlines our procedures for maintaining a secure and compliant platform.

By using our services, you agree to comply with this policy.

1. Purpose of AML / KYC Policy

The purpose of this policy is to:

• Prevent the use of our platform for illegal financial activities

• Ensure compliance with applicable laws and regulations

• Protect our business and users from fraud and financial crimes

• Maintain a safe and trustworthy environment

2. Customer Identification (KYC)

We reserve the right to verify the identity of any user at any time.

KYC verification may require:

• Government-issued ID (Passport / National ID / Driving License)

• Proof of address (Utility bill or bank statement)

• Selfie verification (if necessary)

• Additional documentation in suspicious cases

Failure to provide requested documents may result in:

• Temporary account suspension

• Permanent account termination

• Freezing of account balance

3. Risk-Based Monitoring

We monitor transactions and user activity to detect suspicious behavior, including but not limited to:

• Large or unusual payment amounts

• Multiple failed payment attempts

• Use of stolen or unauthorized payment methods

• Chargebacks or disputes

• Suspicious order patterns

If suspicious activity is detected, we may:

• Temporarily suspend the account

• Request additional verification

• Cancel pending transactions

• Report activity to relevant authorities if required

4. Prohibited Activities

The following activities are strictly prohibited:

• Using stolen credit/debit cards

• Payment fraud

• Identity theft

• Terrorist financing

• Money laundering

• Using fake or misleading information

Accounts involved in such activities will be permanently banned.

5. Source of Funds

Users must ensure that:

• All funds used on tosmmpanel.com are legally obtained

• Payments are made from accounts owned by the user

• No third-party unauthorized payment methods are used

We reserve the right to request proof of source of funds when necessary.

6. Record Keeping

We may retain:

• User account information

• Transaction history

• Communication records

• Verification documents

Records are stored securely and used only for compliance and legal purposes.

7. Chargeback & Fraud Policy

• Any chargeback or payment dispute may trigger an AML investigation.

• Accounts with fraudulent activity will be permanently suspended.

• We reserve the right to recover disputed amounts and associated fees.

8. Cooperation with Authorities

We may disclose user information if required by law enforcement agencies, court orders, or regulatory authorities.

9. Policy Updates

We reserve the right to update this AML / KYC Policy at any time. Changes will be published on this page.

10. Contact Us

For AML / KYC inquiries, please contact:

📧 Email: tosmmpanel.com
🌐 Website: https://tosmmpanel.com