1. Introduction

FUNDJONE is committed to ensuring that its platform is not used for money laundering, terrorist financing, or any activity that may facilitate such crimes. This Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) Compliance Policy outlines our procedures for identifying, monitoring, and reporting suspicious activity in accordance with:

 The Prevention of Money Laundering Act, 2002 (PMLA),  Financial Action Task Force (FATF) recommendations,  Guidelines from the Financial Intelligence Unit of India (FIU-IND) and  Applicable regulatory guidance under the Information Technology Act, 2000.

2. Scope

This policy applies to all users of the FUNDJONE platform, including:

 Contributors and project initiators  Networking participants in the binary model  Administrators, agents, affiliates, and internal operational accounts  Any third-party platform integrations or partnerships

3. Objectives

 To prevent and detect money laundering and terrorist financing  To establish robust KYC & Due Diligence procedures  To comply with all reporting obligations under applicable Indian laws  To protect the reputation and integrity of FUNDJONE as a crowdfunding and

networking platform

4. Know Your Customer (KYC) Policy

4.1 Individual KYC Requirements:

Each user or participant must submit:

 Full Name  Aadhaar or PAN (for Bharat residents)  Passport, OCI, or foreign national ID (for non-residents)  Current address proof (utility bill, voter ID, rental agreement)  Bank account verification (linked with UPI or account number)

4.2 Organizational KYC:

Entities using FUNDJONE must provide:

 Company incorporation certificate  PAN/TAN/GST  Details of authorized signatories  Director or proprietor KYC

4.3 Periodic Review:

KYC will be reviewed:

 Annually for active participants  Immediately upon triggering suspicion or red flags

5. Customer Due Diligence (CDD)

5.1 Risk Profiling:

Users are profiled as:

 Low-risk: Known individual with history on the platform  Medium-risk: New user with valid KYC but high-value transactions  High-risk: Anonymous users, third-party contributors, overseas donations

5.2 Enhanced Due Diligence:

If a user falls under high-risk criteria:

 Video verification and source of funds declaration may be mandated  Additional ID or professional references may be requested

6. Prohibited Activities

Users must not:

 Use the platform to disguise illegal sources of funds  Make contributions on behalf of shell entities or unverified third parties  Operate multiple accounts to circumvent platform or legal controls  Participate in funding activities from blacklisted or sanctioned countries

FUNDJONE prohibits all transactions from countries listed in FATF’s high-risk and non- cooperative jurisdictions.

7. Transaction Monitoring

FUNDJONE uses automated and manual mechanisms to monitor:

 Sudden large transactions from new users  Recurring microtransactions to multiple users (layering)  Funding projects in high-risk sectors or regions  Unusual activity from dormant or admin-linked accounts

Suspicious transactions are flagged and held for review before settlement.

8. Reporting Obligations

FUNDJONE shall file:

 Suspicious Transaction Reports (STR) to FIU-IND, if applicable  Maintain internal audit trails for 5 years  Cooperate with regulatory or law enforcement authorities

No user shall be informed if they are being monitored or reported under these provisions.

9. Training and Awareness

 Internal teams and partners of FUNDJONE shall undergo annual AML training  Awareness campaigns for users will be conducted to educate on safe funding and

fraud prevention

10. Data Security & Record Keeping

All documents collected under KYC/AML compliance:

 Are securely stored under 256-bit encryption protocols  Are accessible only to authorized compliance officers  Will be retained for at least 5 years from the last transaction or exit

11. Sanctions Compliance

FUNDJONE strictly adheres to:

 UN Sanctions Lists  OFAC Watchlists  Indian government and SEBI blacklists

Any user or entity found on such lists will be denied platform access.

12. Policy Review and Amendments

This policy is subject to:

 Annual review  Immediate update if laws or FATF standards change  Revisions based on platform structure, such as the integration of new payment

methods or changes to the networking model

13. Contact Compliance Team

For compliance-related questions or whistle-blower reporting: Email: compliance@fundjone.com Subject: AML Concern / Suspicious Activity Reporting

All submissions are confidential and protected.

14. Disclaimer

This policy does not constitute legal advice and is designed to satisfy current AML/CFT obligations as per prevailing law. Users must comply with FUNDJONE’s terms of use in full and are solely responsible for any legal breaches arising from the misuse of the platform.