Compliance Policy

FinalTX is committed to maintaining a safe and compliant platform. This Compliance Policy outlines our approach to regulatory compliance, sanctions, anti-money laundering (AML), and suspicious activity detection.

This policy supplements our Terms of Service and Acceptable Use Policy.

1. Sanctions Compliance

1.1 Sanctioned Countries

FinalTX services are not available in the following countries and regions:

• Cuba
• Iran
• North Korea
• Syria
• Crimea, Donetsk, and Luhansk regions of Ukraine
• Any other country subject to comprehensive US, EU, or UN sanctions

1.2 Sanctions Lists

We screen users against major sanctions lists, including:

• OFAC Specially Designated Nationals (SDN) List
• EU Consolidated Sanctions List
• UN Security Council Consolidated List
• UK HM Treasury Sanctions List

1.3 Screening Process

Sanctions screening is performed by Stripe as part of their payment processing and account onboarding. FinalTX reserves the right to conduct additional screening and block transactions that may violate sanctions.

2. Anti-Money Laundering (AML)

2.1 Know Your Customer (KYC)

Identity verification is performed by Stripe during Connect onboarding. Sellers must provide:

• Legal name and date of birth
• Address verification
• Government-issued ID
• Tax identification number

2.2 Transaction Monitoring

FinalTX and Stripe monitor transactions for suspicious patterns, including:

• Unusually large or frequent transactions
• Rapid movement of funds between accounts
• Transactions with high-risk jurisdictions
• Patterns consistent with structuring or layering
• Transactions inconsistent with stated business purpose

2.3 Suspicious Activity Reporting

FinalTX and Stripe may be required to file Suspicious Activity Reports (SARs) with FinCEN or other authorities. We cannot disclose the existence or contents of such reports.

3. Prohibited Activities

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

4. Law Enforcement Cooperation

FinalTX cooperates with law enforcement and regulatory authorities in accordance with applicable law. We may:

• Respond to valid subpoenas, court orders, and legal process
• Provide information requested by regulatory authorities
• Freeze or block accounts upon request from authorities
• Report suspicious activity as required by law

We will notify users of legal requests unless prohibited by law or court order.

5. User Obligations

By using FinalTX, you agree to:

• Provide accurate and truthful information
• Update your information if it changes
• Not use FinalTX for prohibited purposes
• Not attempt to circumvent compliance controls
• Report suspected violations by other users
• Cooperate with compliance inquiries

6. Enforcement

Violations of this Compliance Policy may result in:

• Transaction blocking: Individual transactions may be blocked
• Account suspension: Temporary account freeze pending investigation
• Account termination: Permanent closure of your account
• Fund holds: Retention of funds pending compliance review
• Reporting: Disclosure to law enforcement or regulatory authorities

We reserve the right to take action without prior notice in cases of suspected serious violations.

7. Reporting Violations

If you suspect a violation of this policy or observe suspicious activity, please report it immediately to: