AML POLICY

Aztec Gold is committed to providing a safe and secure platform for all users. We adhere to strict anti-money laundering (AML) and counter-terrorism financing (CFT) standards. This policy defines risk assessment, customer verification (KYC), source of funds (SoF/SoW) verification, and transaction monitoring procedures to protect the platform from illicit financial activity.

1. General Provisions

Aztec Gold prioritizes user safety and the financial security of the platform. Our AML/KYC program is designed to ensure transparency, accountability, and compliance with applicable compliance requirements.

By using the Aztec Gold service, the user agrees to abide by this policy, provide accurate information, and undergo additional checks as necessary.

2. Transaction and Address Verification

Aztec Gold performs mandatory AML verification of incoming and outgoing cryptocurrency transactions, as well as addresses participating in exchanges.

As part of this verification, the service applies a risk-based approach and evaluates each transaction using the Risk Score model, based on data from the AML analyzer used. The results of this check are used to make decisions on processing the exchange, additional client verification, requesting proof of source of funds (SoF), or refunding funds.

Depending on the risk level, a transaction may be:

— processed in standard mode;

— temporarily suspended for additional verification;

— sent for KYC / SoF procedures;

— rejected with a subsequent refund in accordance with this policy.

Aztec Gold has the right to temporarily block the execution of an exchange for AML control purposes if the transaction risk level exceeds the established internal tolerance threshold or if, according to Additional signs of suspicious activity have been detected in the transaction.

2.1. To ensure liquidity and the technical feasibility of exchanges, the Service engages infrastructure partners.

2.1.1. Current Service partners:

* AML providers: Currently, our service performs AML verification using the services available on bestchange.com (AML analysis services).

* Payment partners and exchanges: Binance, BYBIT, OKX, HTX, MEXC, BITGET — for processing transactions and converting digital assets.

2.1.2. Partners' influence on transaction processing:

The client must be informed that the use of partner infrastructure may affect processing times. If risk control systems are triggered on the partner's side (for example, a temporary freeze of funds by the exchange for additional verification), the application processing time may be extended by the time required by the partner to resolve the situation. Typically, this period does not exceed 48 hours. Aztec Gold serves as an intermediary for communication and is not responsible for the internal procedures of its partners. However, it undertakes to inform the client of any delays that arise.

The user acknowledges and agrees that before submitting a request, they are responsible for independently verifying the validity of the origin of the funds being sent. If necessary, the service may provide the option of preliminary AML verification of the address or transaction using available risk screening tools.

Ensure that the address is not associated with suspicious transactions to avoid potential risks. You can verify the address yourself on this AML verification page for cryptocurrency addresses:

https://www.bestchange.com/report/

3. Risk Assessment Model

3.1. Risk Factors

The Risk Score is formed based on an analysis of the following factors:

— connection with sanctioned addresses;

— connection with darknet marketplaces;

— use of mixers and tumblers;

— connection with fraudulent schemes;

— connection with ransomware activity;

— connection with stolen funds;

— connection with high-risk Jurisdictions;

— suspicious transaction patterns.

3.2. Thresholds and Actions

— 0–20% (low risk) — automatic processing;

— 20–69% (medium risk) — manual verification, KYC request possible;

— 70–84% (high risk) — transaction suspension, mandatory KYC and source of funds verification (SoF / SoW);

— 85–100% (critical risk) — transaction refusal and refund.

Aztec Gold reserves the right to request documents and additional information at any time. risk level in the presence of additional suspicious factors.

4. KYC Procedure

To access Aztec Gold services, users undergo a secure and simplified registration process, which includes providing basic information necessary for personal identification.

In certain cases, Aztec Gold may require enhanced verification. Depending on the situation, the following may be requested:

— passport / ID card / driver's license;

— selfie with the document;

— proof of address (not older than 3 months);

— video verification.

Enhanced verification may be used, in particular, when the source of funds remains unclear or there is a personal connection to the suspicious sender. In such cases, additional verification measures are used as an additional layer of protection against potential misuse of the platform.

5. Source of Funds Verification (SoF / SoW)

In cases of increased risk, Aztec Gold may request confirmation of the origin of funds. Depending on the situation, the following may be requested:

— a screenshot of the withdrawal from the exchange;

— trading history;

— proof of wallet ownership;

— explanation of the origin of the funds;

— documents confirming income.

Failure to provide information, refusal to cooperate, or provision of false information may result in denial of service, freezing of funds, or other measures under this policy.

6. Transparency and Cooperation

By using Aztec Gold's services, the user agrees to fully cooperate with the platform's security measures. This includes providing complete, truthful, current, and accurate information regarding the origin of funds, especially in cases of application suspension or requests for additional information. The user is solely responsible for the accuracy and reliability of the information provided. Honesty and transparency are fundamental conditions for a secure financial ecosystem.

7. Verification Procedure and Timeframes

— Automatic AML verification — instant;

— Manual verification — up to 72 hours;

— Document submission period upon request — up to 5 business days, excluding weekends;

— Final decision — up to 7 business days after receiving all required documents.

Failure to provide documents or information within the specified timeframe may result in the transaction being cancelled. Aztec Gold also reserves the right to withhold funds during the investigation for as long as necessary if they pose a risk to the platform.

8. Requests for Information, Freezing Funds, and Liaison with Authorities

If information provided by a user indicates possible criminal activity or raises reasonable suspicions, Aztec Gold reserves the right to temporarily freeze funds and request additional information. In such cases, Aztec Gold may cooperate with law enforcement and other competent authorities to protect the legitimate owners of funds and combat financial crimes.

9. AML Refund Policy

If a transaction cannot be processed as a result of verification, Aztec Gold reserves the right to issue a refund to the sender.

The following conditions apply:

— If funds are related to sanctions or financial crimes, a 5% fee is withheld, but not exceeding the threshold of 100 USD (equivalent), to facilitate the possible withdrawal of such funds;

— If funds are related to gambling, a 5% fee is withheld to facilitate their final withdrawal;

— In the event of successful completion of KYC and there is no evidence of the illegal origin of the funds Only the actual network fee and/or mandatory refund costs are charged;

— Aztec Gold does not process high-risk funds for an additional fee.

10. Using cryptocurrency addresses

Each order may use a unique address. All incoming and outgoing addresses undergo AML checks. Consolidation wallets are also subject to regular checks. Aztec Gold does not process sanctioned or knowingly illegal funds.

11. Personal Data Processing

Data obtained as part of KYC/AML checks is used solely for legal compliance and internal compliance purposes.

— stored securely;

— accessible only to authorized employees;

— used solely for AML/KYC checks and related procedures.

12. Compliance

Aztec Gold uses an internal compliance system to enhance transparency, accountability, and compliance with AML/KYC regulations. User understanding, cooperation, and integrity are essential to protecting the platform, its customers, and the broader financial community from the threats of money laundering and other illicit financial activity.