AML / KYC Policy

csmafia (“we”, “us”, the “Operator”) is committed to preventing money laundering, terrorist financing, fraud, and the use of the Service for any unlawful purpose. This Policy describes the anti-money-laundering (“AML”) and know-your-customer (“KYC”) controls we apply. It forms part of, and should be read together with, our Terms of Service.

We operate a risk-based approach. We may request identity verification at any time, and in particular where:

• activity, deposits, or withdrawals reach certain thresholds or appear unusual;
• we have reason to suspect fraud, multi-accounting, or the use of third-party funds;
• you request a withdrawal;
• verification is required to comply with a legal, regulatory, or sanctions obligation.

Access to features (including withdrawals) may be withheld until verification is completed to our satisfaction.

As part of verification we may ask you to provide:

• a valid government-issued photo identification document;
• a selfie or photograph of you holding your identification;
• proof of address;
• proof of ownership of the payment method used and evidence of the source of funds;
• any other information reasonably necessary to verify your identity, age, or location.

The following are strictly prohibited and will be acted upon:

• using payment methods or funds that do not lawfully belong to you;
• structuring deposits or withdrawals to avoid thresholds or detection;
• using the Service to launder funds or to move the proceeds of crime;
• providing false, forged, or misleading verification information;
• operating from a sanctioned or restricted territory.

We monitor activity for suspicious patterns. Where we identify, or reasonably suspect, money laundering, fraud, sanctions evasion, or other unlawful activity, we may — without prior notice — suspend or close the account, freeze the balance and any Items, decline or reverse transactions, and report the matter to payment providers, anti-fraud networks, and the relevant authorities, as permitted or required by law.

We screen against, and prohibit use of the Service from, sanctioned and restricted territories as set out in our Terms of Service. We will not knowingly provide the Service to any sanctioned person or to anyone located in a comprehensively sanctioned region.

We retain verification and transaction records for the period required by applicable law and for as long as necessary to meet our anti-fraud and compliance obligations, even after an account is closed.

Failure to complete verification, or any breach of this Policy, may result in restriction or permanent closure of your account and forfeiture of any remaining balance or Items, in addition to any other remedy available to us.