AML / KYC Statement

1. Purpose

Streamrise is committed to preventing money laundering, terrorism financing, sanctions evasion, and the use of our platform for any other unlawful purpose. This statement summarises the Anti-Money Laundering (AML) and Know-Your-Customer (KYC) controls that apply to all customers of stream-rise.com, including wholesale resellers and API integrators.

We do not provide regulated financial services. The controls described here exist primarily to meet the counter-party requirements of our payment processors, to honour economic- sanctions programmes applicable to our business, and to maintain a clean transaction record with our card-scheme partners.

2. Customer Identification (KYC)

For standard consumer orders below the verification threshold we rely on payment-processor-side identity checks (card 3-D Secure, e-wallet KYC, fraud-scoring on IP/geolocation/velocity). This covers the overwhelming majority of our order volume.

For orders that meet any of the following criteria, Streamrise conducts enhanced customer due diligence (eCDD) before delivery begins:

• Single order value of US $500 or more.
• Cumulative value of US $2,000 or more from the same customer within a 30-day window.
• Payment originating from, or target channel operated in, a high-risk jurisdiction as defined by the FATF greylist or blacklist.
• Any order where our internal fraud signals flag the transaction for manual review (e.g. IP / billing address mismatch, distressed-card indicators, chargeback history).
• All wholesale / reseller-API accounts regardless of initial order value, verified before API-key issuance.

Enhanced due diligence may require the customer to provide one or more of: a government-issued photo ID, a recent proof of address (utility bill or bank statement within the last 90 days), a corporate registration extract for business customers, and a short declaration of source-of-funds and purpose of the transaction. We use a secure upload channel and store only the minimum needed to satisfy the check.

Customers who decline to provide the requested information will have the flagged order cancelled and refunded in full to the original payment method. Repeat failure to complete verification may result in the account being closed.

3. Sanctions Compliance

Streamrise will not accept orders from, or provide services to, any person or entity listed on:

• The US Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list, sectoral-sanctions lists, or comprehensive country-based sanctions programmes.
• The European Union consolidated financial-sanctions list.
• The United Nations Security Council consolidated list.
• The UK HM Treasury consolidated list of financial sanctions targets.

All payment transactions are screened by our payment processors against these lists at the point of card authorisation. In addition, the billing address and account email of each Streamrise customer are cross-checked against the consolidated screening feeds we subscribe to; matches are blocked and reported to the relevant authorities as required.

Orders targeting channels operated by sanctioned persons are refused regardless of how the order was paid for. Where a customer attempts to circumvent these controls — for example by providing a false billing address or by routing payment through a third party — the order will be rejected, any Streamrise account balance will be frozen pending investigation, and the incident may be reported to the appropriate authority.

4. Suspicious Activity Monitoring

We monitor for transaction patterns that are inconsistent with legitimate promotion-service use: structuring (splitting a single economic order into many small payments to avoid thresholds), rapid payment-method cycling, orders for channels with no observable streaming activity, and instructions received from a principal different from the registered account holder. Patterns of this kind trigger an internal review. Where we conclude that the activity is likely unlawful, we report it to the competent authority in the jurisdiction from which payment originates.

Customers whose accounts are under active investigation will not be notified until the investigation concludes, as required by the tipping-off prohibitions in most AML regimes.

5. Record Keeping & Data Retention

KYC documents collected under Section 2 are retained for five (5) years after the end of the customer relationship, which is the minimum required by most AML regimes applicable to our payment processors. Transaction records (orders, payment metadata, delivery logs) are retained for the same period. After the retention period expires, records are deleted or anonymised.

How we collect, store, secure, and share customer personal data is described in our Privacy Policy. Customers with privacy-related questions or data-subject-access requests should contact support@stream-rise.com.

6. Governance

Streamrise maintains an internal AML / KYC procedure document that is reviewed at least annually and following any material change to the applicable regulatory landscape or to our payment-processor counter-party agreements. Staff with access to customer data or order-review tooling complete AML awareness training on onboarding and annually thereafter.

7. Contact

Compliance and AML-related enquiries: support@stream-rise.com (Subject line: "AML / Compliance").

Sanctions / SDN enquiries and self-declarations: support@stream-rise.com.

See also: /refund-policy, /privacy-policy, /contacts.