Anti-Money Laundering (AML) & KYC Policy

1. AML & KYC Policy

1.1. Introduction

ADFI GLOBAL LTD ("AdFiCard") is committed to the highest standards of compliance with international Anti-Money Laundering and Counter-Terrorist Financing regulations. As a SaaS middleware provider interfacing with digital assets, we implement a multi-layered compliance framework.

1.2. Verification Procedures (KYC / KYB)

• Individuals: Government-issued ID, proof of address, and liveness check are required.
• Business Entities: Certificate of Incorporation, Register of Directors or Members, and UBO identification are required.
• Threshold Management: Enhanced Due Diligence is triggered for high-volume users or those from high-risk jurisdictions.

1.3. Transaction Monitoring (KYT)

We utilize automated Know-Your-Transaction tools to monitor incoming digital assets. Any assets flagged as high risk, including assets originating from mixers, darknet markets, or sanctioned addresses, will be frozen immediately and reported to relevant authorities in the British Virgin Islands.

2. Refund & Cancellation Policy

2.1. Card Issuance Fees

All fees associated with the generation of virtual cards are non-refundable once the card record is created on the platform, regardless of whether the card is used or accepted by a specific merchant.

2.2. Balance Refunds

• Users may request a refund of their available balance in USDT or USDC credits at any time.
• Processing Time: Standard audit period of 48 to 72 hours to ensure there are no pending chargebacks or fraudulent activities.
• Fees: A standard withdrawal processing fee of 3% or $50, whichever is higher, applies.
• Method: Refunds are processed back to the original source wallet address only. We do not support third-party payments.

2.3. Terminated Accounts

Accounts terminated for violations of our burn-and-run policy or AML violations are not eligible for refunds.

3. Risk Disclosure Statement

Digital Asset Risk: Digital assets such as USDT and USDC are subject to volatility and regulatory scrutiny. AdFiCard is not liable for losses caused by blockchain failures, de-pegging, or changes in law.

Advertising Platform Risk: We provide payment infrastructure only. Meta, Google, TikTok, and other merchants control their own internal policies. Platform bans do not constitute a failure of our service.

JIT Funding Disclaimer: Our Just-In-Time funding model relies on real-time API communication. While we maintain high uptime, AdFiCard is not liable for declines caused by internet backbone outages or upstream issuer maintenance.

4. Cookie Policy Summary

We use essential technical cookies to manage your session and prevent CSRF attacks. We do not sell your browsing data to advertisers.