• to take a photo ("selfies") with an identification document A scan copy of the front and back sides of an official ID card with a photo. A scan of the front and back of an official photo ID, i.e. a valid passport, driver's license or other national identity card driver's license or other national identity card;
• confirm the place of residence: an official document issued within the last 3 months the last 3 months, clearly indicating the name and address of the client specified when registering at changeex.eu. It can be a utility bill utility bill (for water, electricity or landline phone) or a bank statement. bank. The copy must include: full name, full residential address, the date of issue (within the last 3 months), the name of the issuing authority, with the official logo or logo of the bank. document, with the official logo or stamp;
• provide a copy of the front and back of your bank card and/or a photo of your bank card taken against the background of the main page of the Service. Service. To ensure privacy and security, only the last 4 digits of your card only the last 4 digits of your card. It is allowed to hide the CVV code (3 digits on the back of the card). back of the card).

• monitor all transactions. The administration reserves the right the right to ensure that suspicious transaction reports are passed on to the appropriate law enforcement authorities through the Responsible Official;
• request any additional information and documents from the User in case of suspicious transactions. in case of suspicious transactions, as well as at the request of the regulator (the regulator may be an exchange, a state exchange, or a governmental organization). regulator (the regulator may be an exchange, governmental agency or other organization with appropriate legal status). an exchange, governmental agency or other organization with appropriate legal grounds); and legal grounds);
• Suspend or terminate a User's account if there is reasonable suspicion that such User is engaging in illegal activity. activities.

However, the above list is not exhaustive, transactions of user transactions will be monitored regularly to determine their risk level.

2. KYT (Know Your Transaction) Policy

Know Your Transaction or KYT is a phrase used in the financial sector to to describe the process of evaluating cryptocurrency transactions for fraudulent or suspicious activity such as money laundering. KYT is one of the component of anti-money laundering policies and helps to assess the risks of transactions and identify transactions related to financial crimes such as money laundering and terrorist financing. such as money laundering and terrorist financing.

It is KYT's policy to identify a customer's transaction in case of precedent, when the Service has reasonable suspicion that a customer is attempting to to use the Service and its services for the purpose of carrying out illegal transactions or money laundering.

Such precedent can arise, if the Service suspects the Client in illegal actions, which may be qualified as laundering or attempt to laundering of digital assets obtained illegally or funds are of frankly criminal origin. For these purposes, the Service is entitled to use any lawful information, third-party means of analyzing the origin of digital assets, as well as its own developments of the script. assets, as well as its own developments of the screening system.

In this case, the changeex.eu Service reserves the full right:

• Require the Client to provide additional information disclosing the the origin of the digital assets and/or confirmation that the assets have not been have been obtained by criminal means;
  
• Block the account and any transactions related to the Customer, transfer to the controlling financial activity and/or law enforcement authorities at the the place of registration of the Service and, if necessary, the address of registration of the Customer, all information and documents available on the incident Client's registration address all information and documents available on the incident;
• Require from the Client documents confirming the identity, physical existence, registration address, solvency; and existence, registration address, solvency;
• Return digital assets only to the account from which the transfer was made or change to other accounts after full verification. to the account from which the transfer was made or to other accounts, after full verification by the security service of the Service by the security service of the Service, if it was possible to verify the legal origin of the Client's funds of the Client's funds;
• Refuse to allow the Customer to withdraw funds to a third party account without explanation reasons;
• Withhold Client funds until the incident has been fully investigated;
• The Service reserves the right to monitor the entire chain of transactions, in order to for the purpose of revealing suspicious transactions;
• The Service reserves the right to refuse to provide the Customer with the service, if the Service has reasonable suspicions about the legitimacy of the origin of the digital assets and to withhold funds on special accounts of the Service;
• The Service reserves the right to refuse to provide the Customer with the service, if the Service has reasonable suspicions about the legitimacy of the origin of the digital assets and to withhold funds on special accounts of the Service, in case it is impossible to trace the whole chain of movement of digital assets with the Service. in case it is impossible to trace the whole chain of movement of digital assets from the moment of their appearance. from the moment of their appearance.

Terms of return of funds stopped for verification, based on the results of AML analysis transaction:

• Refunds are made after a full security check of the Service security of the Service, which may include detailed verification of the sender. Refunds are made after deducting a commission of up to 10% of the transaction amount to cover labor costs of processing the request and organizing the refund.
• The refund, subject to approval by the Service, will be processed by the Service within 7 (seven) calendar days, starting from the date on which the User was notified of the Service's decision. from the date on which the User was notified of the Service's decision on his/her refund request. regarding their request for a refund.
• When issuing a refund, after passing verification, the user is obliged to confirm the requisites to receive the refund.