KYC/AML Policy
📄 KYC / AML Compliance Policy – ZikCards.com
Last Updated: 21/11/2025
This KYC/AML Policy explains how ZikCards, operated by Rab Technologies & Traders LLC, complies with global standards for Know Your Customer (KYC) and Anti–Money Laundering (AML) requirements.
Our goal is to ensure a safe, secure, and compliant platform for all users while preventing fraudulent, illegal, or suspicious activities.
By using ZikCards.com, you agree to follow the procedures outlined in this policy.
1. Purpose of This Policy
ZikCards enforces KYC and AML procedures to:
Verify the identity of customers
Prevent money laundering, fraud, and illegal transactions
Comply with applicable regulations and card-issuer requirements
Ensure the safety and integrity of the ZikCards platform
2. Regulatory Background
While Rab Technologies & Traders LLC is based in the United States, we follow global best practices including:
US Anti-Money Laundering (AML) guidelines
Bank Secrecy Act (BSA) principles
FATF (Financial Action Task Force) recommendations
Card issuer compliance rules
Fraud prevention and risk mitigation standards
3. When KYC Verification Is Required
ZikCards may require user verification under any of the following conditions:
High-value or repeated transactions
Suspicious or unusual purchase patterns
Attempted chargebacks or fraud indicators
Use of VPN, proxies, or location masking
Failed or mismatched payment details
When required by card-issuing partners
If risk analysis flags the user for manual review
We reserve the right to request identity verification at any time.
4. Information We May Request (KYC)
To verify customer identity, we may request:
4.1 Identity Documents
Passport
National ID
Driver’s license
Any government-issued ID
4.2 Proof of Address
(If required by card provider or regulatory rules)
Utility bill (electricity, water, gas)
Bank statement
Rental agreement
Government correspondence
4.3 Additional Verification
For high-risk flags, we may request:
Selfie / live verification
Proof of payment method ownership
Additional documents requested by card issuer partners
Failure to provide requested documents may result in account restrictions.
5. Anti–Money Laundering (AML) Measures
ZikCards implements the following AML safeguards:
5.1 User Monitoring
We continuously monitor:
Transaction size and frequency
Geographic inconsistencies
Suspicious patterns
Chargeback or fraud attempts
High-risk merchant categories
5.2 Transaction Limits
We may impose limits based on:
Risk profile
Completed verification level
Card issuer rules
5.3 Blocking High-Risk Behavior
We prohibit:
Money laundering
Terrorist financing
Using cards for illegal purchases
Reselling or distributing cards
Using stolen payment methods
Obfuscating identity
Using VPN, Tor, or anonymous networks for fraud
Accounts may be suspended or terminated immediately if violations occur.
6. Prohibited Uses
Users may not use ZikCards for:
Illegal goods or services
Cryptocurrency exchanges (unless allowed by issuer)
Gambling websites in restricted regions
Fraudulent digital purchases
Scams, phishing, or identity theft
High-risk merchants disallowed by our card providers
Any violation may result in:
Card freezing
Account termination
Reporting to authorities
Blacklisting by card networks
7. Data Protection & Security
All KYC documents are handled with:
Encryption
Restricted access
Secure storage
Confidential processing
We never disclose identity documents except:
To our verified card-issuing partners
When required by law or government authorities
8. Failure to Comply
If a user refuses or fails to complete KYC/AML checks:
Their account may be restricted
Payments may be refunded or held
Virtual cards may be disabled
Access to services may be terminated
We reserve the right to permanently ban users involved in fraudulent or suspicious activity.
9. Reporting Obligations
We may report:
Fraudulent transactions
Suspicious activities
Identity misuse
Duplicate or fake accounts
to:
Card issuers
Payment processors
Financial institutions
Relevant law enforcement authorities
10. Updates to This Policy
We may update this KYC/AML Policy at any time.
Updates will be posted with a revised “Last Updated” date.
11. Contact Information
If you have questions regarding our KYC or AML processes, contact us at:
Rab Technologies & Traders LLC
30 N Gould St #29271
Sheridan, WY 82801, USA
📧 Email: support@zikcards.com