AML/KYC POLICY OF THE BIROK.AI SERVICE

This Anti-Money Laundering (AML) Policy and Know Your Customer (KYC) procedure define the principles and control procedures followed by the Birok.Ai service (hereinafter referred to as the "Service").

1. GENERAL PROVISIONS

The Service adheres to international standards for Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT). We conduct continuous monitoring of all transactions and user verification to prevent the use of the platform for illegal purposes.

2. RISK ASSESSMENT MODEL (RISK-SCORE)

2.1. For analyzing incoming and outgoing transactions, the Service uses automated AML analyzers: AMLBot / Crystal / Chainalysis/bitok.org

2.2. Each transaction undergoes a risk level check (Risk-Score).

2.3. Threshold Value: If the Risk-Score of a transaction exceeds 50% or if the sender's address is associated with high-risk categories (Darknet, Mixer, Scam, Stolen, etc.), the exchange execution is temporarily blocked for KYC/SoF procedures..

2.4. Users can independently check their address before sending funds using analyzers valid for the Service: https://bitok.org/en/aml-checks.

3. VERIFICATION PROCEDURE (KYC) AND PROOF OF FUNDS (SOF)

In case of a transaction block by the security system, the User is obliged to provide the following materials:

• Identity Document: A photo of a valid passport or ID card.
• Selfie: A photo of the User holding the document and a piece of paper with the current date and the name of the Service written on it.
• Proof of Funds (SoF): Screenshots from the wallet/exchange history confirming the legal origin of the funds and the transaction path to our Service.
• Video Verification: In certain cases, the Service may request a short video demonstrating the personal account of the sender's wallet.

4. STAGES AND TIMELINES OF VERIFICATION

4.1. After providing the full package of documents, the Service proceeds with their verification.

4.2. Verification period: Usually takes from 8 to 72 hours on business days. In exceptional cases (when it is necessary to request additional information from liquidity providers), the period may be extended up to 14 business days.

5. TERMS AND CONDITIONS FOR REFUNDS

5.1. If the User refuses to undergo the KYC procedure or the provided data does not confirm the legitimacy of the funds, the Service carries out a refund of assets.

5.2. Refund period: Refunds are made within 7–10 business days after the decision to refuse the exchange is made.

5.3. Refund fees:

• The actual network fee (Network Fee) for the transfer is withheld.
• A processing and AML check fee of 5%, but not more than 100 USD (in equivalent), is withheld to cover operational costs.

5.4. If a transaction is associated with sources such as: Ransomware, Terrorist Financing, Child Abuse Content, Stolen Coin, Dark Market, Scam, Mixer, and the risk score for these markers is above 20%, the Service is obliged, in accordance with international FATF policy, to report this to the relevant state authorities (e.g., financial intelligence, law enforcement agencies). In this case, a refund is impossible until instructions are received from these structures.

5.5. The Service does not practice indefinite holding of funds. The only basis for blocking funds for more than 10 days is an official request from law enforcement agencies or financial intelligence.

6. ENSURING "ASSET PURITY"

6.1. The Service guarantees the sending of only verified assets with a low risk level to Users.

6.2. A unique (one-time) crypto address is generated for each application.

6.3. All outgoing transactions are carried out from the Service's marked wallets or through licensed platforms with a low Risk-Score.

7. INFORMED CHOICE OF THE USER

lication on the website, the User confirms that they:

1. Are familiar with the Risk-Score threshold values.

2. Agree to the KYC procedure in case of high risk detection.

3. Accept the terms of refund in case of refusal of verification.

4. Confirm that they do not use funds obtained by criminal means.