AML & KYC Policy

1. Purpose & Scope

Macyou is operated by Macyou LLC (a limited liability company registered in Georgia, entity ID 445839503). Macyou maintains a risk-based AML/KYC program.

Macyou LLC is not a financial institution and is not licensed or supervised as one. This policy describes Macyou's own practice, may be changed at any time, and does not create rights enforceable by any customer or third party.

This policy applies to all customers and to all payments made to Macyou.

2. Customer Identification (KYC)

We apply a risk-based, tieredapproach to customer verification. The level of verification required depends on the customer's spend, risk signals, and the nature of their use:

• Tier 1 — Standard. A verified email address, a valid payment, and acceptance of our Terms are required to open an account and deploy.
• Tier 2 — Enhanced. For higher cumulative spend, higher-risk indicators, or on request, Macyou may require government-issued identity verification of the individual and, for businesses, company registration details and the identity of the beneficial owners and authorized signatory.
• Tier 3 — Enhanced Due Diligence (EDD). For customers presenting elevated risk (for example, exposure to high-risk jurisdictions, complex ownership, or politically exposed persons), we may require source-of-funds information and additional documentation before continuing service.

You agree to provide accurate, current, and complete information and to update it when it changes. Macyou may suspend or refuse service where required information is not provided or cannot be verified.

When verification happens. Macyou may require identity verification at any point, including before a payment is taken, before a deployment is provisioned, or at any time thereafter. Where verification is required, checkout or provisioning may be paused until it is completed.

How verification is performed. Identity verification is carried out by a third-party provider. Macyou does not store identity documents. Questions about a decision may be sent to compliance@macyou.co.

3. Sanctions & PEP Screening

Macyou screens customers, and may screen related individuals and entities, against applicable sanctions and restricted-party lists, and may screen for politically exposed persons.

You represent and warrant that you are not, and are not owned or controlled by, a person or entity that is the target of sanctions, and that you are not located in a territory subject to comprehensive sanctions. Macyou may refuse, suspend or terminate service where this representation is or becomes untrue. See also the Sanctions & Export Control section of our Terms of Service.

4. Cryptocurrency Transaction Monitoring

For cryptocurrency payments (currently USDT on the TRON / TRC-20 network), Macyou applies blockchain analytics and risk screening to payment transactions and wallet addresses. We may, at our discretion:

• delay or hold provisioning while a payment or wallet is reviewed;
• refuse or refund a payment where a transaction or wallet is associated with sanctioned parties, darknet markets, mixers/tumblers used to obscure origin, fraud, theft, or other illicit activity;
• request information about the source of funds before continuing service; and
• suspend or terminate an account connected to a flagged transaction.

You represent and warrant that any funds you use are lawfully obtained and are not, directly or indirectly, the proceeds of crime.

5. Prohibited & High-Risk Use

Use of Macyou for money laundering, terrorist financing, sanctions evasion, fraud, or to operate an unlicensed money services business or virtual-asset service provider is strictly prohibited. Certain high-risk industries require prior written approval from our compliance team, as set out in the Restricted Industries section of our Acceptable Use Policy. Approval requests may be sent to compliance@macyou.co.

6. Recordkeeping

Macyou retains customer identification records, verification results, payment and transaction records, and screening logs for the periods set out in our Privacy Policy; financial and tax records are retained for 7 years.

7. Cooperation with Authorities

Macyou responds to lawful requests for information from competent regulators and law-enforcement agencies. Where required by law, Macyou may file reports (including suspicious-activity reports) and may be prohibited from notifying the customer that such a report has been made.

8. Enforcement

Where we identify a violation of this policy, a sanctions match, or a material money-laundering or fraud risk, Macyou may suspend or terminate the account immediately and without prior notice, withhold or reverse provisioning, and refuse or refund payments. No refund is owed for service forfeited as a result of an AML/KYC or sanctions violation, and any outstanding balances remain due.

9. Changes & Contact

We may update this policy from time to time to reflect changes in our services, risk profile, or legal and regulatory requirements. The most current version will always be available at macyou.co/legal/aml-kyc.

Questions about this policy, or requests relating to compliance and high-risk industry approval, can be sent to compliance@macyou.co.

Also see our Terms of Service, Acceptable Use Policy, and Privacy Policy.