Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF) Policy

Version: 1.0 (2026)

Internal Policy: AML/CTF Compliance Framework Entity: BUYONE SIA Regulatory Basis: Law on the Prevention of Money Laundering and Terrorism and Proliferation Financing (Republic of Latvia) and EU Directive 2015/849.

1. Policy Statement

BUYONE SIA is committed to the highest standards of financial integrity. While operating as a commercial agent under the PSD2 exemption, BuyOne maintains a "Risk-Based Approach" to ensure that its infrastructure is not utilized for money laundering or the financing of terrorism.

2. Customer Due Diligence (CDD)

Our CDD procedures are designed to identify and verify every participant in the transaction chain: • Verification Standards: Utilizing third-party specialized providers (e.g., Veriff), we perform "Enhanced Due Diligence" (EDD) on all Hosts and Guests. This includes verification of government-issued identification and screening against global PEP (Politically Exposed Persons) and Sanction lists. • Ongoing Monitoring: Identity credentials are periodically reviewed and updated to ensure continued compliance with the evolving regulatory landscape.

3. Transactional Oversight

BuyOne facilitates transparency through: • Audit Trails: Every transaction on the platform is assigned a unique Transaction ID, linking the Payer (Guest), the Payee (Host), and the specific service rendered. • Threshold Monitoring: In accordance with Latvian and EU regulations, the platform monitors for structured transactions or volumes that exceed typical consumer behavior. • Zero-Cash Policy: As a purely digital marketplace, BuyOne does not permit cash-based or anonymous transactions, ensuring a 100% digital audit trail.

4. Reporting Obligations

In the event that BuyOne identifies transactions that are inconsistent with a user's known profile or exhibit indicators of financial crime, the platform reserves the right to suspend the account immediately and, where required by law, notify the relevant Financial Intelligence Unit (FIU) or our regulated payment partners.