Anti-money Laundering (AML)
Verification Policy

Effective From Date:14-06-2026 11:50 PM IST

This Anti-Money Laundering Policy ("AML Policy") describes the measures, procedures, standards, and controls adopted by EARNMET TECHNOLOGIES PRIVATE LIMITED ("Earnmet", "Company", "we", "our", or "us") to prevent, detect, investigate, and mitigate the risks associated with money laundering, terrorist financing, fraud, sanctions violations, financial crime, and other unlawful activities.

This Policy applies to all users, customers, merchants, vendors, affiliates, partners, contractors, business entities, and any other individuals or organizations that access, use, or interact with Earnmet's platform, products, services, payment-related solutions, merchant services, subscriptions, software systems, APIs, or related offerings.

This Policy should be read together with the Earnmet Terms and Conditions, Privacy Policy, KYC & Merchant Verification Policy, Acceptable Use Policy, Refund Policy, and all other policies published by EarnMet.

This Policy should be read together with the Earnmet Terms and Conditions, Privacy Policy, KYC & Merchant Verification Policy, Acceptable Use Policy, Refund Policy, and all other policies published by EarnMet.

By accessing or using Earnmet Services, you acknowledge and agree to comply with the requirements outlined in this AML Policy.

1. PURPOSE OF THIS POLICY

Earnmet is committed to maintaining a secure, transparent, lawful, and trustworthy business environment. The Company recognizes the importance of preventing its platform, services, systems, technologies, business relationships, and infrastructure from being used to facilitate money laundering, terrorist financing, fraud, sanctions violations, corruption, financial crime, or other unlawful activities.

The purpose of this Policy is to establish a framework that enables Earnmet to identify, assess, monitor, prevent, investigate, and report suspicious activities while complying with applicable laws, regulations, payment network requirements, banking obligations, and industry best practices.

Earnmet maintains a zero-tolerance approach toward money laundering, terrorist financing, and related financial crimes.

2. COMMITMENT TO COMPLIANCE

Earnmet is committed to complying with all applicable anti-money laundering laws, anti-terrorist financing regulations, sanctions requirements, financial crime prevention obligations, and regulatory expectations that may apply to its business operations.

The Company reserves the right to implement compliance controls, risk management procedures, verification requirements, transaction monitoring systems, reporting obligations, and enforcement measures necessary to protect the platform and its users.

Nothing in this Policy shall be interpreted as limiting Earnmet authority to take additional compliance measures whenever deemed necessary.

3. DEFINITION OF MONEY LAUNDERING

Money laundering generally refers to any process intended to conceal, disguise, transfer, convert, move, structure, layer, integrate, or otherwise obscure the origin, ownership, destination, control, or nature of funds derived from unlawful activities.

Money laundering may involve a series of transactions intended to make illicit funds appear legitimate.

Terrorist financing involves the provision, collection, transfer, use, or facilitation of funds or resources intended to support terrorist organizations, terrorist activities, or persons engaged in terrorism-related conduct.

Earnmet strictly prohibits the use of its platform for any activity associated with money laundering, terrorist financing, sanctions evasion, fraud, corruption, bribery, tax evasion, or other financial crimes.

4. CUSTOMER DUE DILIGENCE

To support compliance efforts, Earnmet may conduct customer due diligence procedures before establishing or continuing business relationships.

Such procedures may include identity verification, business verification, ownership verification, beneficial ownership verification, address verification, source-of-funds reviews, source-of-wealth reviews, sanctions screening, politically exposed person (PEP) screening, adverse media screening, fraud checks, transaction risk assessments, and other compliance reviews.

The extent of due diligence conducted may vary depending upon the nature of the customer, business activity, transaction volume, geographic exposure, risk profile, regulatory obligations, and other relevant factors.

Earnmet reserves the right to refuse service where satisfactory due diligence cannot be completed.

5. IDENTITY AND BUSINESS VERIFICATION

Users may be required to provide information and documentation necessary to establish identity, ownership, authority, legitimacy, and compliance.

Verification requirements may include government-issued identification documents, proof of address, business registration certificates, tax registrations, ownership information, banking information, beneficial ownership information, corporate records, and any additional documentation reasonably requested by Earnmet.

Users agree to provide accurate, complete, current, and truthful information.

The submission of false, misleading, forged, altered, incomplete, or fraudulent information constitutes a material violation of this Policy and may result in immediate enforcement action.

6. SANCTIONS SCREENING

Earnmet reserves the right to screen users, merchants, business partners, beneficial owners, directors, officers, authorized representatives, transactions, and related parties against sanctions lists, watchlists, restricted party databases, government notices, and other compliance resources.

Individuals, organizations, jurisdictions, businesses, vessels, entities, or transactions associated with sanctions programs, restricted activities, embargoed regions, or prohibited persons may be denied access to EarnMet Services.

Earnmet reserves the right to terminate, suspend, restrict, freeze, or reject accounts or transactions that present sanctions-related concerns.

7. POLITICALLY EXPOSED PERSONS (PEPs)

Earnmet may identify and assess users who are politically exposed persons, family members of politically exposed persons, close associates of politically exposed persons, government officials, senior public officials, or persons holding positions of public trust.

Additional due diligence measures may be applied where elevated risks are identified.

Enhanced review procedures do not imply wrongdoing but are intended to support appropriate risk management and compliance obligations.

8. TRANSACTION MONITORING

Earnmet may monitor transactions, account activity, payment flows, user behavior, account relationships, settlement activity, transaction volumes, transaction frequency, customer interactions, and other indicators for the purpose of detecting suspicious, unusual, fraudulent, deceptive, or potentially unlawful conduct.

Monitoring may occur before, during, or after a transaction has been processed.

Earnmet may utilize manual reviews, automated systems, machine learning tools, risk scoring mechanisms, fraud prevention technologies, and third-party compliance services to support monitoring activities.

Users acknowledge and agree that transaction monitoring is necessary to maintain the integrity and security of the platform.

9. SUSPICIOUS ACTIVITY

Earnmet reserves the right to investigate any activity that appears unusual, inconsistent, suspicious, deceptive, unlawful, high-risk, or contrary to the expected use of the platform.

Examples of activity that may trigger review include unexplained transaction patterns, unusual payment behavior, inconsistent business activity, attempts to conceal ownership, suspicious account activity, unusual geographic activity, repeated compliance failures, excessive chargebacks, fraudulent behavior, sanctions concerns, or other risk indicators.

The existence of a review does not imply wrongdoing. However, users may be required to provide additional information, documentation, explanations, or supporting evidence.

10. SOURCE OF FUNDS AND SOURCE OF WEALTH

Where appropriate, Earnmet may request information regarding the origin, ownership, source, nature, or legitimacy of funds associated with transactions, accounts, business activities, or commercial relationships.

Users may be required to provide supporting documentation demonstrating the lawful source of funds, source of wealth, business revenues, operational activities, ownership structures, or other relevant information.

Failure to provide satisfactory information may result in restrictions, suspension, termination, or denial of Services.

11. ACCOUNT RESTRICTIONS AND ENFORCEMENT

Earnmet reserves the right to suspend, restrict, delay, reject, reverse, withhold, cancel, freeze, investigate, limit, or terminate any account, transaction, payment, settlement, withdrawal, payout, or service whenever deemed necessary to satisfy compliance obligations, protect the platform, prevent financial crime, mitigate risk, or comply with applicable laws

Such actions may be taken without prior notice where legally permitted.

Earnmet shall not be liable for losses arising from compliance-related actions taken in good faith.

12. COOPERATION WITH AUTHORITIES

Earnmet may cooperate with regulatory authorities, law enforcement agencies, financial institutions, payment processors, banking partners, courts, government agencies, compliance organizations, and other authorized entities as required by applicable law or where necessary to protect legitimate interests.

The Company may disclose information, records, documents, transaction data, account information, verification information, compliance records, and other relevant materials where legally required or permitted.

Nothing in this Policy shall be interpreted as limiting Earnmet ability to cooperate with lawful investigations.

13. RECORD RETENTION

Earnmet may retain information relating to customers, merchants, transactions, verification procedures, compliance reviews, risk assessments, investigations, communications, and business relationships for periods deemed necessary to satisfy legal, regulatory, operational, security, contractual, and business requirements.

Retention periods may continue after account closure, account termination, completion of transactions, or cessation of business relationships.

Information shall be handled in accordance with the Privacy Policy and applicable laws.

14. USER OBLIGATIONS

Users are responsible for ensuring that their activities conducted through the Earnmet platform are lawful, transparent, properly authorized, and compliant with applicable regulations.

Users shall not use the platform to facilitate money laundering, terrorist financing, sanctions evasion, corruption, bribery, fraud, tax evasion, financial deception, unlawful fundraising, or any other prohibited activity.

Users agree to cooperate fully with compliance reviews, investigations, monitoring activities, information requests, verification procedures, and lawful inquiries conducted by Earnmet.

Failure to cooperate may result in enforcement action.

15. NO GUARANTEE OF ACCOUNT APPROVAL OR CONTINUED ACCESS

Completion of verification procedures, submission of documentation, successful onboarding, or prior approval does not guarantee continued access to Earnmet Services.

Earnmet reserves the right to reassess risk, conduct additional reviews, request further information, and take appropriate compliance actions at any time during the business relationship.

The Company is not obligated to disclose internal risk models, investigative methodologies, fraud indicators, compliance assessments, or proprietary decision-making criteria.

16. MULTI-LANGUAGE PLATFORM DISCLAIMER

Earnmet provides its platform, policies, legal documents, and related materials in multiple languages for the convenience of users located in different jurisdictions.

Certain translations may be generated or assisted through automated translation technologies, including but not limited to Google Translate and similar machine translation services.

Users acknowledge that translated content may contain inaccuracies, omissions, contextual differences, grammatical inconsistencies, formatting issues, or variations in interpretation.

Translated content is provided solely for convenience and informational purposes. Earnmet does not warrant the accuracy, completeness, reliability, legal validity, enforceability, or suitability of translated versions of this Policy.

In the event of any discrepancy, conflict, inconsistency, ambiguity, omission, or difference between the English-language version and any translated version of this Policy, the English-language version shall prevail and govern.

Earnmet shall not be liable for any loss, misunderstanding, dispute, claim, liability, regulatory issue, or damage arising from reliance upon translated content.

17. MODIFICATIONS TO THIS POLICY

Earnmet reserves the right to amend, modify, replace, update, revise, or supplement this AML Policy at any time.

Any modifications shall become effective upon publication on the Earnmet platform unless otherwise specified.

Users are encouraged to periodically review this Policy to remain informed regarding compliance requirements.

Continued use of the Services following publication of updates constitutes acceptance of the revised Policy.

18. CONTACT INFORMATION

Questions relating to this KYC & Merchant Verification Policy may be directed to:

EARNMET TECHNOLOGIES PRIVATE LIMITED

Compliance Department

Email: hr@earnmet.com

Support Email: hr@earnmet.com

Website: www.earnmet.com

By accessing, registering for, or using Earnmet Services, you acknowledge that you have read, understood, and agreed to this Anti-Money Laundering Policy