AML / KYC Policy

This Anti-Money Laundering and Know Your Customer ("AML/KYC") Policy describes the identity verification and monitoring procedures Community Platform applies to experts and creators who receive payments through the Platform. This policy exists to reduce the risk that the Platform is used to facilitate money laundering, fraud, or other illicit financial activity, and to comply with applicable law.

Every expert and creator must complete identity verification before they can accept payments through the Platform's card payment processor. Verification is performed by Stripe as part of payout-account onboarding (Stripe Connect) and requires government-issued identification together with the information Stripe collects to satisfy its own Know Your Customer obligations. Until Stripe reports that payouts are enabled for the account, the expert or creator cannot accept a paid session booking, a personalized video request, or a new Kindra membership through the Platform. A profile may be reviewed and published before verification is complete. Publication permits a listing to be seen, but does not enable payment. The Platform's "Verified" badge is displayed only once Stripe has reported that payouts are enabled for the account.

Experts and creators must be at least 18 years of age, consistent with the Platform's Terms of Service and Privacy Policy, which they agree to on application. The identity verification described in Section 2 is performed at payout-account onboarding and must be complete before an expert or creator can accept payments through Stripe. Government-issued identification submitted during verification is processed directly by Stripe under Stripe's own data handling standards. Community Platform does not receive or store copies of ID documents.

Expert and creator applications require a name, email address, professional or content category, and a payout method. For payout by bank or debit card, Stripe performs the identity verification described in Section 2 as part of its own onboarding and compliance procedures, and payouts remain disabled until it is complete. An applicant may also provide a crypto wallet address, which is recorded and associated with the account on file. The Platform does not pay session, video, or membership earnings to that address.

Community Platform reserves the right to monitor transaction patterns for signs of suspicious activity, including unusually large or frequent payments, rapid movement of funds inconsistent with normal platform use, or activity involving jurisdictions subject to sanctions. Accounts flagged for suspicious activity may be suspended pending review, and Community Platform may request additional information or documentation before restoring access.

The Platform may not be used to: launder proceeds of criminal activity; finance terrorism; evade sanctions; provide services to individuals or entities on any government sanctions or watch list; or structure transactions to avoid identity verification or reporting thresholds. Community Platform will terminate accounts found to be engaged in, or reasonably suspected of, any of these activities, and will cooperate with law enforcement as legally required.

Where required by applicable law, Community Platform and its payment processors may report suspicious activity to relevant financial regulatory or law enforcement authorities. Community Platform does not notify the individual under review before making such a report, where prohibited from doing so by law.

Community Platform retains records of identity verification status, application data, and transaction history for experts and creators for as long as necessary to comply with applicable recordkeeping obligations and to support fraud prevention. Government ID documents and selfie images themselves are retained by Stripe under Stripe's own recordkeeping policies, not by Community Platform.

Community Platform may update this AML/KYC Policy to reflect changes in applicable law, regulatory guidance, or our own risk management practices. Continued use of the Platform after an update constitutes acceptance of the revised policy.

For questions about this AML/KYC Policy, contact us at: support@joincommunityplatform.com.