Anti-Money Laundering (AML) Policy

1. Purpose

This KYC policy aims to enable the Paytoskip platform to better identify its users and service providers and to ensure that transactions are conducted securely, legally, and transparently. It also supports the objectives of preventing money laundering (AML), combating terrorist financing, and reducing fraud.

2. Scope

This policy covers:

• • All individual users (service recipients)
• • All sellers / service providers (service providers)
• • Corporate business partners

3. Identity Verification Requirements and transactıon lımıts

Paytoskip requires identity verification to maintain platform security. Verification is mandatory under the following conditions:

Transaction Threshold: KYC verification is mandatory for balance deposits, expenditures, or withdrawal transactions of $300 (Three Hundred US Dollars) and above, whether in a single transaction or cumulatively. This limit may be updated by Paytoskip based on security risks and regulatory requirements.

Suspicious Activity: Regardless of the transaction amount, additional verification may be requested for any transaction flagged as suspicious by our security systems.

Required Documents for Individual Users:

•Full name and Date of birth

•Residential address

•Official identity document (National ID card, passport, or driver's license)

•Proof of payment method ownership (Masked image of credit card or bank statement/screenshot)

4. Verification Process

Documents are securely uploaded through the platform. The Paytoskip compliance team reviews the documents manually or with automated systems within 72 hours at the latest. If missing or fake documents are detected, the user will be informed, and the account may be temporarily suspended.

5. Protection of Identity Information

Paytoskip protects identity information and documents by:

• • Using SSL encryption and data security measures
• • Using them only for KYC and AML purposes
• • Not sharing them with third parties (except for legal obligations)

6. KYC Update Obligation

Users are obliged to inform Paytoskip within 15 days of any changes in their identity information (e.g., address change, name change).

7. Right to Refuse and Suspend

Paytoskip reserves the right to refuse to provide services to a user or to suspend an account in the following situations:

• • Submission of fake or altered documents
• • Providing misleading information during the KYC process
• • Transacting from high-risk countries

8. Compliance and Legal Notification

Paytoskip fulfills its obligations under local and international regulations (e.g., MASAK, FATF, EU 6AMLD) and may notify legal authorities when necessary.