Anti-Money Laundering & Counter-Terrorist Financing Policy

1. Purpose

This AML & CFT Policy describes the principles and controls followed by Finunity Finance to reduce the risk of misuse of its services for money laundering, terrorist financing, fraud, or other unlawful activity.

2. Nature of Business

Finunity Finance operates as an educational financial literacy platform. We do not provide regulated financial services, do not hold customer funds, do not process payments on behalf of users, do not operate trading accounts, and do not provide brokerage services.

3. Risk-Based Approach

We apply a proportionate risk-based approach to assess potential misuse of our website, forms, partnerships, and educational service requests. Additional review may be applied where suspicious, inconsistent, or high-risk indicators are identified.

4. Customer and Partner Review

Where appropriate, Finunity Finance may review business inquiries, partnership requests, and organisational clients to verify legitimacy and reduce exposure to unlawful or misleading activities.

5. Prohibited Use

Our website and services must not be used for fraud, money laundering, terrorist financing, sanctions evasion, impersonation, unlawful solicitation, or promotion of misleading financial schemes.

6. Suspicious Activity

If suspicious activity is identified, Finunity Finance may refuse service, restrict communication, preserve relevant records, or cooperate with competent authorities where required by applicable law.

7. Sanctions Compliance

Finunity Finance aims to comply with applicable sanctions and restrictions issued by competent authorities, including relevant requirements in India and internationally recognised sanctions frameworks where applicable.

8. Record Keeping

Compliance-related records may be retained for a reasonable period where necessary for legal, operational, security, or compliance purposes.

9. Policy Review

This Policy may be reviewed and updated periodically to reflect changes in business operations, applicable law, regulatory expectations, or identified risks.