AML & KYC Policy

1. Purpose🔗

Farm Fresh Capitals is committed to preventing the use of the Services for money laundering, terrorist financing, sanctions evasion, or any other unlawful activity. This policy explains the controls we operate and what we expect from you.

2. Customer Identification🔗

Before allowing withdrawals, and in some cases before allowing deposits above a threshold, we require verification of your identity. This typically includes:

• Full legal name, date of birth, and residential address.
• Government-issued photo ID (passport, national ID, or driver’s licence).
• Proof of address dated within the last 90 days (utility bill or bank statement).
• A liveness selfie matched to the ID document.

3. Enhanced Due Diligence🔗

Additional information may be requested where the account presents elevated risk — for example, high-value transactions, connections to high-risk jurisdictions, politically exposed persons, or unusual account activity. We may pause account activity while EDD is in progress.

4. Source of Funds🔗

We may ask you to demonstrate the lawful origin of the funds you deposit — typically through recent bank statements, salary slips, business accounts, sale documents, or blockchain history. Providing accurate source-of-funds information helps us process your transactions faster.

5. Ongoing Monitoring🔗

Our systems continuously monitor account behaviour for anomalies such as sudden changes in transaction size, structuring, rapid inbound/outbound cycles, or logins from unusual locations. Suspicious activity is escalated to our compliance team for review.

6. Sanctions Screening🔗

All members and, where applicable, counterparties are screened against major international sanctions lists at onboarding and continuously thereafter. We are legally required to freeze funds and refuse to transact with sanctioned parties.

7. Reporting🔗

Where required by law, we file suspicious activity reports with the relevant financial-intelligence unit. We are prohibited by law from disclosing that a report has been made ("tipping off").

8. Prohibited Activity🔗

• Structuring transactions to avoid identification or reporting thresholds.
• Using another person’s identity or acting as a nominee for an undisclosed party.
• Funding an account with proceeds of unlawful activity.
• Any transaction involving a sanctioned country, entity, or individual.
• Business models involving darknet markets, unlicensed gambling, or ransomware payments.

9. Record Keeping🔗

We retain KYC records, transaction records, and correspondence for the periods required by applicable law (typically 5–7 years after account closure or the last transaction, whichever is later).

10. Employee Training🔗

Every Farm Fresh Capitals team member with customer or transaction access completes AML/CTF training on hire and refresher training at least annually. Compliance responsibilities are owned by senior leadership.

11. Cooperation With Authorities🔗

We cooperate with legitimate requests from law enforcement, regulators, and tax authorities. Where legally permitted we will notify you before disclosing your information; where prohibited we will not.

12. Contact🔗

Compliance questions or to report a concern: compliance@farmfreshcapitals.com.