AML / KYC

1. Perform an AML check of your address using an AML analyser (for example, Bitok or Bestchange).

2. Provide the verification results to the operator in the online chat on the website or in Telegram.

3. Wait for the operator's approval (or rejection) of your address for transactions on the website.

1.1. This AML/KYC Policy (hereinafter — the "Policy") is an integral part of the Rules for the Provision of Services of the LuckyChange Exchange Service (hereinafter — the "Service", the "Contractor") and regulates the procedure for countering money laundering (AML), terrorism financing (CFT), and customer verification (KYC).

1.2. The Policy applies to all Customers — individuals using the Services of the Service — and is effective from the moment an order is submitted until its completion or cancellation.

1.3. Submitting an order constitutes the Customer's full and unconditional acceptance of this Policy.

1.4. The Contractor adheres to the principles of anti-money laundering (AML) and customer verification (KYC) in order to minimize the risks of fraud and illegal operations.

1.5. The Contractor does not enter into agreements with individuals or legal entities suspected of or directly involved in money laundering, or where it is known that the funds were obtained as a result of illegal activity.

1.6. The Service does not conduct its own AML analysis of addresses and does not advise Customers on matters of possible risk related to an exchange or conversion transaction. The Customer performs the preliminary check independently on third-party platforms.

1.7. If there are doubts about the cleanliness of the funds, the Customer is obliged to independently check the degree of risk on open specialized platforms or on platforms that the Contractor provides upon request.

1.8. The Contractor reserves the right to amend the Policy with prior notification of users through the official website. The current version is published on the Service's website.

2.1. The Contractor uses the professional systems of the services Heleket and 2328, as well as the services CoinKYT, Bitok, and GetBlock, for automatic AML verification of all transactions in accordance with international standards for countering money laundering and terrorism financing (AML/CFT). These platforms are licensed providers, and their AML filters comply with international standards.

2.2. If a link to high-risk assets of at least 0.1% is detected (for the list of criteria, see clause 2.3) or an overall risk of at least 30%, the operation is suspended, and the Customer is offered to undergo a KYC check in order to return the funds.

2.3. High-risk criteria detected during the AML check:

• Malware;

• Mixer;

• Fraud Shop;

• Online Pharmacy;

• Special Measures;

• Stolen Coins;

• High-Risk Jurisdiction;

• Dark Service;

• Scam;

• Gambling;

• Child Exploitation;

• Fraudulent Exchange;

• Illegal Service;

• Terrorism Financing;

• Sanctions;

• Enforcement Action;

• Dark Market;

• Ransomware and others.

2.4. KYC verification is carried out by the Contractor automatically with the involvement of the specialized third-party service Didit. The processing of the User's personal data within the framework of KYC is carried out on the terms and in accordance with the privacy policy of the verification service provider.

2.4.1. To pass KYC, the Customer is obliged to provide current and reliable identity documents (as a rule, a passport or a driver's license), as well as, upon the system's request, provide a selfie (selfie-video) to confirm their presence and match the provided document.

2.5. Based on the verification results received from the verification service provider, the Service has the right to:

• return the funds to the Customer;

• request additional documents or information.

2.6. The Contractor has the right to verify the origin of funds (AML/KYC), as well as to selectively request verification of the Customer's identity and/or payment instrument in any form at its own discretion, without mandatory explanation of reasons.

2.7. The Contractor has the right to require passing a KYC check. Refusal may lead to suspension of operations.

2.8. The Contractor has the right to conduct additional checks and request any necessary documentation for any reason related to the Customer's use of the services, as supporting evidence.

2.9. Until the check is completed, the execution of the order may be suspended, and the funds may be temporarily held.

2.10. The Customer's refusal to undergo verification or provide the information requested by the Contractor constitutes grounds for refusing to execute the order, blocking the account, returning the funds in accordance with Section 4 of this Policy, and transferring the information to authorized bodies.

3.1. The Customer confirms that they are aware of the right to conduct a preliminary AML check before creating an order. If the Customer refuses to conduct such a check or ignores the requirement to provide it, all risks of possible blocking (freezing) of funds by law enforcement agencies, payment systems, or the Service itself, as well as the risks of refusal to process the transaction, are fully assumed by the Customer. The Contractor is not responsible for the consequences associated with the use of unchecked addresses.

3.2. The preliminary check is carried out by the Customer using the AML analyzer of the Rapira exchange, the CoinKYT service, or other tools recommended by the Contractor.

3.3. The Customer has the right to provide the Contractor with screenshots, statements, or other forms of check results (upon request) via online chat (Telegram, website chat, or another agreed communication channel).

3.4. The Contractor has the right to request from the Customer the results of the AML check performed by the Customer independently and, on their basis, decide whether to allow the address for operations. The Contractor does not conduct its own analysis of the transaction and is not responsible for the accuracy of the results provided by the Customer.

4.1. Return is possible only after successfully passing the KYC check (clause 2.2).

4.2. If the Customer has not passed the KYC check within 14 calendar days after the blocking, the Service has the right to refuse the return of funds.

4.3. In the event of successfully passing the KYC check, the Contractor is obliged to return the funds to the Customer to the sender's address (executed within 24 hours) or to any other address (executed within 10 days) at the Customer's request.

4.4. The procedure for returning funds, including the withholding of actually incurred expenses, is determined by Section 5 of the Rules for the Provision of Services of the LuckyChange Exchange Service.

5.1. The processing of personal data is carried out in accordance with Section 8 of the Rules for the Provision of Services of the LuckyChange Exchange Service.