AML/KYC Policy

1. Regulatory Framework

Our AML/KYC program is designed in accordance with:

• UK Money Laundering Regulations 2017 (MLR 2017) – Anti-money laundering requirements for financial services
• EU Anti-Money Laundering Directives (AMLD) – European Union standards for AML compliance
• Payment Services Directive 2 (PSD2) – Customer due diligence requirements for payment services
• Financial Action Task Force (FATF) Recommendations – International standards for combating money laundering

2. When KYC Is Required

Identity verification is required when users reach certain thresholds:

3. Accepted Documents

3.1 Identity Documents

We accept the following government-issued identification:

• Passport (preferred)
• National ID card
• Driver's license
• Residence permit

Documents must be valid (not expired), clearly visible, and show your full name, photo, and date of birth.

3.2 Proof of Address

Accepted documents (must be dated within the last 3 months):

• Utility bill (electricity, water, gas, internet)
• Bank or credit card statement
• Government correspondence (tax notice, benefits letter)
• Lease agreement or mortgage statement

3.3 Source of Funds

For high-volume users, we may request documentation proving the legitimate source of funds:

• Pay stubs or employment contract
• Bank statements showing salary deposits
• Business income documentation
• Investment or inheritance documentation

4. Verification Process

Our KYC verification process works as follows:

1. Request Triggered: You'll receive an email notification when verification is required
2. Document Submission: Upload clear photos or scans of required documents through your account dashboard
3. Selfie Verification: Take a selfie holding your ID document (liveness check)
4. Review: Our compliance team reviews your submission within 24-72 hours
5. Outcome: You'll receive notification of approval or a request for additional information

5. Transaction Monitoring

We continuously monitor transactions for suspicious activity, including:

• Unusual patterns: Rapid buying and selling, circular transactions, structuring to avoid thresholds
• High-risk indicators: Transactions with known scam addresses, multiple accounts, identity mismatches
• Velocity checks: Abnormally high transaction frequency or volume
• Geographic risks: Transactions involving sanctioned countries or high-risk jurisdictions
• Item-specific risks: Trading of known "poisoned" or stolen items

Transactions flagged by our monitoring systems may be held for manual review, delayed, or reported to relevant authorities.

6. Prohibited Activities

The following activities are strictly prohibited and may result in account termination:

7. Sanctioned Countries

We cannot provide services to users in countries subject to comprehensive sanctions. This includes, but is not limited to:

This list may be updated based on changes to international sanctions regimes. Users attempting to access the platform from sanctioned regions will be blocked.

8. Reporting Obligations

In accordance with applicable law, we may be required to:

• File Suspicious Activity Reports (SARs): Report suspicious transactions to relevant Financial Intelligence Units (FIUs)
• Comply with law enforcement: Respond to valid legal requests, court orders, and subpoenas
• Freeze accounts: Suspend accounts and funds when required by law or during investigations
• Maintain records: Keep transaction records for a minimum of 5 years as required by regulations

We are prohibited from informing users when a SAR has been filed about their activity ("tipping off").

9. Data Protection

Your KYC information is handled with strict security measures:

For more information on how we handle your data, see our Privacy Policy.

10. User Cooperation

By using RoMart, you agree to:

• Provide accurate and truthful information during registration and verification
• Promptly respond to requests for additional documentation
• Notify us immediately if any of your submitted information changes
• Cooperate with investigations related to your account or transactions
• Not assist others in circumventing KYC requirements

Failure to cooperate with verification requests may result in account suspension, transaction holds, or permanent account termination.

11. Appeals Process

If your verification is rejected or your account is restricted:

1. Review the rejection reason provided in your notification email
2. Gather any additional documentation that may address the concern
3. Contact our compliance team at compliance@romarket.gg
4. Include your username, the issue, and any supporting documents
5. Allow 5-7 business days for review of your appeal

12. Contact Information

For questions about our AML/KYC policy or verification process:

• Compliance Team: compliance@romarket.gg
• General Support: support@romarket.gg
• Discord: discord.gg/DWMtWR4zsh