# Walletprizm ## Security of payment card information transfer For safe transfer, you must use the following types of payment cards: - VISA International - MasterCard Worldwide ## 1. Description of the data transfer process To make a payment, the User will need to provide the details of the plastic card. The transfer of this information is subject to all necessary safety measures. Data will be communicated only to the Bank's authorization server via a secure channel (SSL 3.0 protocol). Information is transmitted in encrypted form and stored only on a specialized server of the payment system. Sites and stores do not know and do not store data on your plastic card. ## 2. Description of the payment process When choosing a form of payment using a plastic card, payment for the order is made immediately after its execution. After selecting services on the Walletprizm website, the User needs to click on the ″Subscribe″ button, and the system will switch the User to the authorization server page where you will be prompted to enter the plastic card data. After the payment is made, the system will notify the authorization results to the email address. ## 3. Electronic payments Electronic transfers are carried out through a single payment system. Payment of the agreed order is made in Russian rubles, US dollar, Euro. When choosing this form of payment when placing an order on the website [walletprizm.com] (walletprizm.com), the User will be automatically redirected to the payment form of the processing center. All data entered by the User on the payment form of the processing center is fully protected in accordance with the requirements of the PCI DSS security standard. The service receives information only about the payment made. When the payment is made, the email address specified by the User will be sent a message confirming payment authorization. Immediately after making the payment, the User will be redirected back to the site. Payment information can go to the Service employees from 5 seconds to 2 two business days. In case the User has a problem with payment, the latter must contact the technical support service.
# Walletprizm ## AML Policy ** Customers ** - individuals and legal entities, Walletprizm account holders. The following policy is based on the general principles, laws, regulations and directives to combat money laundering and is based on international AML regulation procedures. The company takes security measures and adopts adequate policies, practices and procedures that promote high ethical and professional standards and prevent the deliberate or unintentional use of the organization by criminal elements. The company has developed the Know Your Customer (KYC) program. These important elements begin with services, risk management and control and include: - Customer Acceptance Policy; - Continuous monitoring of high risk accounts; - Management of risks; - Risk based customer categorization. The company is obliged not only to establish the identity of its customers, but also to monitor the activities of accounts in order to determine those transactions that do not correspond to the usual or expected transactions for this client or type of account. KYC is a key feature of risk management and service control procedures. The intensity of KYC programs beyond these core elements depends on the degree of risk. ## 1. Customer Acceptance Policy Walletprizm adheres to clear customer acceptance policies and procedures, including a description of the types of customers that may pose a risk to the organization. Before accepting a potential client, the Company undertakes to carry out the KYC and due diligence procedures by examining factors such as the client’s history, country of origin, public or high profile position, related accounts, business activity or other risk indicators. A sufficiently thorough legal review is necessary for a person with high net worth, whose source of funds is unclear. Money of new customers is transferred through a reputable bank. Banks have their own anti-money laundering procedures. The decision to enter into business relations with higher risk clients, such as politically significant persons, is made exclusively at the level of senior management. ## 2. Customer identification Customer identification is an important element of KYC standards. For the purposes of this article, a client includes: - The individual or legal entity that maintains the account in the company, or the persons on whose behalf the account is maintained (i.e. beneficial owners); - Beneficiaries of transactions conducted by professional intermediaries; - Any individual or legal entity associated with a financial transaction that may pose a significant reputational or other risk to the company. The company supports a systematic procedure for identifying new customers and cannot enter into a service relationship until the identity of the new customer is satisfactorily verified. Procedures document and apply policies to identify customers and those who act on their behalf. The best documents to verify the identity of customers are those that are most difficult to obtain illegally and forged. The company pays special attention to non-resident clients, and in no case does the short circuit identification procedure apply only because the new client cannot provide enough documents and information to satisfy KYC, and due diligence procedures are followed. The customer identification process, of course, is applied at the very beginning of the relationship. To ensure the relevance and relevance of the records, the company regularly checks existing records. The right time for this is when a significant transaction occurs, when the standards for client documentation change significantly, or when a significant change occurs in the way the account is managed. However, if the Anti-Money Laundering Compliance and Anti-Money Laundering Division and / or the anti-money laundering services company finds out at any time by checking compliance and / or checking the AMLO that it does not have enough information about the existing client , will take immediate steps to ensure that all relevant information is obtained as quickly as possible. A company may be exposed to reputational risk, and therefore should apply enhanced legal due diligence to such transactions. Private accounts, which by their nature imply a high degree of confidentiality, can be opened in the name of an individual, commercial enterprise, trust, intermediary or personalized investment company. In each case, reputational risk may arise if the company does not follow the established KYC procedures diligently. All new customers and new accounts are approved by at least one person, financial specialist, or compliance specialist. In the case of a new client with a high risk, the final decision is made by the managing director. Special precautions have been taken to ensure the confidentiality of customers and their business. The company provides the same control and monitoring of these clients and their business, for example, for verification by the employee for compliance with regulatory requirements and auditors. The company adheres to clear standards and policies regarding which records should be kept during customer identification and individual transactions. This practice is necessary in order to allow the company to control its relations with the client, understand the current affairs of the client and, if necessary, provide evidence in the event of disputes, lawsuits or a financial investigation that could lead to criminal prosecution. the pursuit. As a starting point and a natural continuation of the identification process, at least five years after account closure. The company also keeps all records of financial transactions for at least five years from the date when the relationship of the company with the client was terminated or the transaction was completed. ### 2.1. General Identification Requirements The company receives all the information necessary to fully satisfy the identity of each new customer, as well as the purpose and intended nature of the business relationship. The volume and nature of the information depends on the type of applicant (personal, corporate, etc.) and the expected size of the account. When the account was opened, but in the service relationship there are verification problems that cannot be resolved, the company can close the account and return the money to the source from which they were received. Although the transfer of the initial balance from the account to the client’s name in another organization that is subject to the same KYC standard will be considered, we will carry out our own KYC procedures, since we should nevertheless consider the possibility that the previous client manager may be asked to delete the account due to concerns about dubious actions. Naturally, customers have the right to transfer their business from one organization to another. However, if the company has any reason to believe that the applicant is denied the services of another organization, he applies enhanced due diligence procedures to the client. The company will never agree to open an account or conduct a permanent business with a client who insists on anonymity or issues a fictitious name. Confidential numbered accounts should also not function as anonymous accounts, but they should be subject to the same KYC procedures as all other customer accounts, even if verification is carried out by selected personnel. While a numbered account can provide additional protection for the identity of the account holder, the identity should be known to a sufficient number of employees to conduct a due diligence. ### 2.2. Special customer due diligence and identification procedures Customer identification should be carried out as soon as possible after the first contact. Except for its obligation to exercise due diligence and customer identification, the Company must confirm that the identity information that is stored for its customers must remain fully informed and updated with all necessary identification and information during their business relationship. The company regularly checks and verifies the accuracy and adequacy of the information identifying the client that is at its disposal. Notwithstanding the foregoing and taking into account the degree of risk, if at any time during the course of a business relationship it is recognized that the Company does not have sufficient or reliable evidence (data) and information about the identity and financial profile of an existing client, the Company immediately takes all necessary actions using procedures and identification measures to ensure due diligence, with a view to collecting the missing data and information as soon as possible, as well as to identify and create a complete financial profile to ienta. In addition, the Company monitors the adequacy of the information available, as well as the identity and economic profile of its customers, when and where one of the following events occurs: Conducting a significant transaction that seems unusual and / or significant than the usual type of trade and economic profile of the client; - A significant change in the situation and legal status of the client as: - Change of director / secretary; - Change of registered shareholders and / or actual beneficiaries; - Change of registered office; - Change of trustees; - Change of company name and / or trade name; - Change of major trading partners and / or significant new business; - A significant change in the way and rules of the client account, such as: - Change of persons authorized to process your account; - Request for opening a new account for the provision of new investment services and / or financial instruments. In the event of a client’s transaction via the Internet, telephone, fax or other electronic means where signature verification is absent, or that person who actually owns the account or is authorized to process the account, the Company has established reliable methods, procedures and practices for controlling access to electronic means to ensure that it is dealing with the actual owner or authorized person who signed the account. If the client refuses or does not provide the Company with the necessary documents and information to identify and create an economic portrait, before entering into a business relationship or during the execution of a separate transaction without proper justification, the Company will not act in a contractual relationship or will not complete the transaction, and may also inform About this to an AML employee. This may lead to a suspicion that the client is involved in money laundering and terrorist financing. If during a business relationship the client refuses or does not provide all the necessary documents and information within a reasonable period of time, the Company has the right to terminate the business relationship and close the client’s accounts. The compliance department also studies the weather to report the incident to the anti-money laundering officer. ### 2.3. User Required Personal Information - El. Post office; - Phone number (will be checked by SMS); - The true name and / or names used; - Current permanent address, including zip code; - Date of Birth. Names should be verified by a link obtained from an authoritative source that has a photograph, for example: - Current valid full passport; - National Identity Card. In addition to checking the customer name, the current permanent address must be verified (by originals) by receiving: - copies of a recent utility bill; - accounts of the local tax authority; - bank statements; - checking the phone book; - monthly credit card statement. In addition to the above, the verification process can help introduce a respected client, personally known to the head of the Company, or a trusted employee. Details of the introduction should be recorded in the client file. ## 3. Accounts for corporate clients To create an account for corporate clients, Users must provide the Company with the following documents: - The original or a certified copy of the registration certificate; - memorandum and articles of association; - Resolution of the Board of Directors on transactions with Walletprizm; - A list of officers associated with the company. ## 4. Creating an economic portrait - the company must be satisfied that it is dealing with a real person, and for this purpose it will receive sufficient identification documents to prove that it is a person who claims to be; - The company must confirm the identity of the beneficial owners of the accounts. For legal entities, receives such data and information in order to understand the structure of ownership and control of the client. Regardless of the type of client (for example, an individual or legal entity, partnership or individual entrepreneur), we take adequate data and information about the client’s business activity and the expected structure and level of transactions; - the identity of all customers is verified on the basis of reliable data and information provided or obtained from independent and reliable sources, that is, those data and information that are difficult to falsify or obtain illegally; Home address and work are considered key elements of a person’s personality: - in no case the same data (data) shall be accepted as evidence to identify the identity of the client and proof of place of residence! All data and information must be collected before entering into a business relationship in order to create a financial portrait of the client and, as a minimum, include the following: - the purpose and justification (reason) for concluding a business relationship; - the expected turnover of the account, the nature of the transactions, the estimated source of money to be credited to the account and the expected purpose of outgoing payments; - size of assets and annual income, a clear description of the main types of business / professional activities / work. The data and information that make up the financial portrait of a client - legal entity include: - The name of the company; - country of registration; - Headquarters address; - Names and identities of beneficial owners; - Directors, authorized signatories; - financial data; - Information for the group that may belong to the company (country of registration of the parent company, subsidiaries and affiliates, main activities, financial results). All of the above data and information will be recorded in a separate form, which is stored in the client’s file along with all other documents and internal reminders from the minutes of meetings with the client. This form is updated at regular intervals or whenever new information appears about any changes or additions to the elements that make up the client’s financial profile. ## 5. Strengthened diligence measures The company applies enhanced job diligence and customer identification procedures in the following cases: - if the client was not physically present at the time of identification; - in relation to cross-border correspondent banking relations with credit organizations-clients from third countries; - in respect of transactions or business relations with politically significant persons residing in a country within the European Economic Area or in a third country. In all other cases, expanded measures are taken to properly screen clients who, by their nature, entail a higher risk of money laundering or terrorist financing. ## 6. Third party statement The Company may rely on third parties to apply requirements regarding client identification procedures and due diligence measures, provided that the Company provides all the data and information held by a third party to identify the client, which are certified copies of the originals. ## 7. Continuous monitoring, recording of bills and transactions Continuous monitoring is an important aspect of effective KYC procedures. A company can effectively control and reduce risk only if it understands the normal and reasonable activity of its customers in relation to accounts, so that it has transaction identification tools that go beyond the normal activities of the account. Without such knowledge, he probably would not be able to report suspicious transactions to the appropriate authorities in those cases where they are required to do so. The degree of monitoring should be risk sensitive. For all accounts, the Company has systems for detecting unusual or suspicious patterns of activity. This can be done by setting limits for a specific class or category of accounts. Particular attention is paid to transactions that exceed these limits. Certain types of transactions alert you to the possibility that the client is conducting unusual or suspicious activities. These may include transactions that do not seem to make economic or commercial sense (large transactions) or that include large amounts of cash deposits that are inconsistent with normal and expected customer transactions. There is enhanced monitoring for higher risk accounts. The company has set key indicators for such accounts, taking into account client information, such as country of origin and source of funds, type of transactions and other risk factors. ## 8. Accounting, record keeping, paperwork The company is required to keep records for at least 5 years by law. The 5-year period is calculated after the completion of transactions or the end of a business relationship. The following entries must be saved: - copies of evidence material of the client’s identity; - relevant evidence and details of all business relationships and transactions, including documents for recording transactions in ledgers; - relevant documents of correspondence with customers and other persons with whom the latter maintain business relations. All documents and information are available quickly and without delay. Authorities in order to fulfill the duties assigned to them by law. An AML officer should be able to compile a satisfactory audit trail. Documents can be stored in original documents or certified true copies and stored in print or in another format, for example, in electronic form, taking into account the fact that they can be accessed at any time and without delay. When setting up document retention policies, the Company takes into account the requirements of the law and the potential needs of the unit. Documents and information must be original or true copies. In cases where the documents are certified by another person, and not by the Company or a third party, the documents must be notarized. ## 9. Risk management Effective KYC procedures include procedures for proper management oversight, systems and controls, segregation of duties, training, and other relevant policies. The Board of Directors of the Company is fully committed to the effective KYC program and procedures and ensures their effectiveness. An explicit responsibility is shared within the organization for ensuring effective management of company policies and procedures and their compliance with local supervisory practices. Suspicious transaction reporting channels are clearly identified and communicated to all personnel. The company maintains an ongoing employee training program so that employees are properly trained in KYC procedures. The terms and content of training for various sectors of personnel are adapted by the company for its own needs. Training requirements should have a different focus for new employees, employees at the forefront, employees responsible for compliance, or employees working with new customers. New staff should be aware of the importance of KYC policies and the basic requirements of the organization. Employees who deal directly with customers are trained to verify the identity of new customers, exercise due diligence when processing accounts of existing customers on an ongoing basis, and identify patterns of suspicious activity. Regular retraining is carried out to ensure that employees are aware of their responsibilities and are aware of new developments. It is imperative that all relevant employees fully understand the need and consistently implement the KYC policy. A culture in services that fosters such an understanding is key to successful implementation. ## 10. Information required to open an account **Individual:** - the true name and / or names used based on an official identification card or passport; - a document issued by an independent and reliable source on which there is a photograph of the client; - full permanent address, including zip code, Presentation of a recent (up to 6 months) telephone bill, electricity, municipal taxes, bank statement or similar documents mentioned above; - phone number, landline and mobile, fax; - E-mail address; - Date and place of birth; - nationality; - information about the profession and other professions, including the name of the employer / business organization; - in addition to the above, if the client was represented by a trusted employee of the Company or another reliable existing client or a third party known personally, a member of the Board of Directors, it is necessary to provide details of these recommendations and is stored in the client’s file. Joint accounts: Shared accounts are prohibited. Unions, societies, clubs, charitable foundations and charitable institutions: - memorandum and articles of association; - registration documents; - certificate of registration; - list of members of the Board of Directors / Management Board; - The decision of the Board of Directors on the conclusion of transactions in the Forex market and the provision of authority to those who will act on behalf of the client; - The identity of all authorized persons. For each Community User, it is necessary to carry out the registration procedure described for an Individual. - not incorporated enterprises, partnerships and other persons that do not have legal force: - identity of directors / partners; - the identity of the beneficiaries; - the identity of authorized persons; - in the case of partnerships, the original or a certified copy of the partnership registration certificate; - business address; - the nature and extent of its activities; financial portrait of a legal entity: - information about the person; - the identity of the beneficiaries; - in the case of legal entities (ownership and control structure, customer); - information on business transactions and the expected structure and level of transactions; - place of residence and business address; - The purpose and reason for establishing business relations; - the expected turnover on the account, the nature of the transactions, the expected origin of the incoming funds to be credited to the account and the expected destination of outgoing transfers / payments; - the size of the client’s well-being and annual income, as well as a clear description of the main activity / professional activity / activity; - company name, country of registration, head office address, names and identities of beneficial owners, directors, authorized signatories, financial information, ownership structure of the group the company may belong to (country of registration of the parent company, subsidiaries and associated companies, main activities, financial information); - in the presence of a formal partnership agreement, it is necessary to provide it, as well as a partnership mandate, allowing the opening of an account and confirming the authority for a particular person who will be responsible for his work. Legal entities: - registration number - certificate of registration; - the registered name and trademark are used; - full corporate registered address and managers; - phone number, fax and email address; - members of the Board of Directors; - persons authorized to manage the account and act on behalf of; - the real beneficiaries of private and state-owned companies that are not registered in the regulated market of a country of the European Economic Area or a third country with equivalent disclosure and transparency requirements; - registered shareholders who act as candidates for actual beneficiaries; - financial portrait of a legal entity: - information about the person; - the identity of the beneficiaries; - in the case of legal entities (ownership and control structure, customer); - information on business transactions and the expected structure and level of transactions; - place of residence and business address; - The purpose and reason for establishing business relations; - the expected turnover on the account, the nature of the transactions, the expected origin of the incoming funds to be credited to the account and the expected destination of outgoing transfers / payments; - the size of the client’s well-being and annual income, as well as a clear description of the main activity / professional activity / activity; - company name, country of registration, head office address, names and identities of beneficial owners, directors, authorized signatories, financial information, ownership structure of the group the company may belong to (country of registration of the parent company, subsidiaries and associated companies, main activities, financial information); - registration certificate; - a good certificate; - certificate of registered address; - certificate of director and secretary; - memorandum and articles of association; - a certificate of registered shareholders in the case of private and public companies that are not registered in the regulated market of a country of the European Economic Area or a third country with equivalent disclosure and transparency requirements; - Resolution of the board of directors on opening an account and granting authority to those who will manage it; - in the case of nominee shareholders of the actual beneficiaries, a copy of the trust agreement signed between the nominee shareholder and the beneficial owner, by virtue of which the shares were registered in the name of the nominee shareholder on behalf of the real beneficiary; - documents and data to establish the identity of persons authorized by the legal entity to manage the account, as well as registered shareholders and beneficial owners of the legal entity; - if necessary, a copy of the latest audited financial statements (if any) and / or copies of its latest management accounts; - it should be noted that at any time during a business relationship the Company may receive additional documents and information, if necessary. Shareholders: In the case of a client - a legal entity applying for a business relationship or a random transaction and the sole or direct shareholder of which is another legal entity, before proceeding to the following: - all documents in accordance with part of the legal. face; - ownership structure; - the identity of the individual beneficial owners and / or control of another legal entity; - the identity of persons who ultimately control the business and assets of a legal entity, as described in the part on physical. face; - in cases where the final control is in the hands of persons who have the right to dispose of funds, accounts or investments of a legal entity, without the need for additional permission, and who will be able to cancel internal procedures, we need the identity of persons exercising effective control, even if they do not have direct or indirect interest or a share of less than 10% in the authorized capital or voting rights of a legal entity. Stock Trust: If the beneficial owner of the legal entity is a trust, then the following documents are required: - name; - date of creation; - the identity of the guardian; - the identity of the beneficial owners; - the nature and purpose of creation and activities (memorandum and articles of association); - the origin of the money, extracts from the trust agreement are necessary and other relevant information from the trustees. Investment funds, mutual funds and firms providing financial or investment services: - license or permission of the competent supervisory / regulatory body of the country of registration and activity to provide these services; - evidence subject to supervision of the prevention of money laundering and the financing of terrorism; - if the person is registered and / or acts in a third country, you must obtain the following: - all documents indicated in this part of the document; - a copy of the license or permit provided by the competent supervisory / regulatory body of the country of registration and activity; - sufficient data and information to fully understand the structure of control and management of business activities, as well as the nature of the services and activities provided by the client. In the case of investment funds and mutual funds, the Financial Organization shall provide the following: - the identity of the beneficial owners: - information about their goals and control structure, including documentation and information for checking investment managers, investment advisors, administrators and custodians. Third Party Nominees or Agents: - the identity of the nominee or agent of a third party; - the identity of any third party on whose behalf the candidate acts; - A copy of the authorization agreement concluded between the interested parties. ## 11. Shell Bank Policy Shell Bank is a bank that does not have a physical presence in the country in which it is registered and licensed, and which is not associated with a regulated financial group, which is subject to effective general supervision. Physical presence means being inside a country with a managerial function with a meaningful mind, and the mere existence of a local agent or non-managerial staff does not mean physical presence. ** NOTE **: THE COMPANY MAY REQUEST AND RECEIVE ADDITIONAL DOCUMENTS AND INFORMATION AT ANY TIME!
# Walletprizm ## Refund Policy 1. If money or digital currency is received at Walletprizm, in an amount different from the one indicated by the User in the application, Walletprizm will terminate the contract unilaterally and all funds will be returned to the User, taking into account the deducted amount for commission costs during the transfer, according to the tariffs indicated on the official website of Walletprizm. 2. In the event that digital assets are not sent by Walletprizm to the specified details of the User within 24 hours, the User has the right to demand termination of the agreement and cancel his application, thereby making the return of digital assets or money in full. An application for termination of the agreement and the return of digital assets is executed by Walletprizm in the event that the funds have not yet been transferred to the specified details of the User. In case of cancellation of the contract, the return of electronic currency is made within 24 hours from the date of receipt of the request to terminate the contract. If delays in return occurred through no fault of Walletprizm, he is not responsible for them. 3. If digital assets do not arrive from the User to the Walletprizm account within the specified period, from the moment the User submits the application, the agreement between the parties is terminated by Walletprizm on the one hand. The user may not be notified. If digital assets arrive at Walletprizm after the specified deadline, then such funds are transferred back to the User’s account, and all commission costs associated with the transfer are deducted from these funds. 4. If there is a delay in transferring funds to the details specified by the User due to the fault of the payment system, Walletprizm is not liable for damage resulting from the long receipt of funds. In this case, the User must agree that all claims will be made to the settlement system, and Walletprizm will provide its assistance as far as possible within the framework of the law. 5. In case of detection of falsification of communication flows or impact, in order to worsen the operation of Walletprizm services, namely its program code, the application is suspended and the funds transferred are recalculated in accordance with the current agreement. If the User does not agree with the allocation, he has the right to terminate the contract and digital assets are transferred to the details specified by the User. 6. In the case of using Walletprizm services, the User fully agrees that Walletprizm has a limited liability in the amount of digital assets and funds received and does not give additional guarantees to the User, and also does not bear additional responsibility to him. 7. The user agrees to comply with the applicable laws and not to fake communication flows and not to impede the normal operation of Walletprizm program code. 8. Walletprizm is not liable for damage and consequences in case of erroneous transfer of digital assets if the User specified incorrect details when submitting the application. 9. Within 24 hours of the execution of the exchange of digital assets, Walletprizm warrants the services provided, unless otherwise agreed upon. 10. In the event that unforeseen circumstances arise during the processing of the User’s application that contribute to Walletprizm’s non-compliance with the terms of the contract, the deadlines for the application are postponed to the corresponding duration of the force majeure. 11. The return of digital assets and funds is carried out on the basis of the User’s application indicating the following information: user personal data - surname, name, patronymic, passport data, contact information (phone and (or) fax numbers, email address); login name; details of the account and / or account (electronic wallet) to which (which) it is necessary to make a return corresponding to the type of asset (assets) listed on the balance of the User. The application is sent to Walletprizm: Russia, Sochi, ul. Gorky 33A, of. 46. ** Walletprizm is not responsible for past due obligations. **