AML & KYC Policy

Last updated: 30 July 2026

1. About This Policy

This AML & KYC Policy explains the verification measures that Topgift may apply to prevent fraud, money laundering and other unlawful use of its services.

Verification is not automatically required for every customer or every order. The type and extent of verification may depend on the circumstances of the order.

This Policy should be read together with the Topgift Terms and Conditions, Privacy Policy and Refund Policy.

2. Anti-Money Laundering Policy

Topgift does not permit its services to be used for:

money laundering;
terrorist financing;
sanctions evasion;
fraud;
the use of stolen or unauthorised funds;
any other unlawful activity.

Topgift may review an order, request additional information, delay delivery or refuse a transaction where verification is required or where completing the order may expose Topgift, its customers or its partners to legal, financial or security risks.

Topgift may also cooperate with payment providers, product suppliers and competent authorities where required or permitted by applicable law.

3. When Verification May Be Required

Topgift may request verification:

before accepting or delivering an order;
after payment but before the digital product is delivered;
when a customer requests higher purchasing limits;
when customer or payment information cannot be confirmed;
when requested by a payment provider or product supplier;
when required by applicable law or a competent authority;
where additional verification is reasonably necessary.

A customer who has previously completed verification may be asked to provide updated or additional information.

4. Verification Information

Depending on the circumstances, Topgift may request:

full legal name, date of birth and residential address;
a valid passport, national identity card or driving licence;
proof of address issued within the previous three months;
a selfie, liveness check or selfie with an identity document;
proof of ownership or authorised use of the payment method;
a payment confirmation or bank statement;
information concerning the source of funds, where reasonably necessary.

Topgift will request only information relevant to the verification.

5. Document Requirements

Documents submitted for verification must:

belong to the customer;
be valid and not expired;
be clear, readable and complete;
show the required information;
not contain false information or unauthorised alterations.

Topgift may reject documents that are incomplete, unclear, expired, inconsistent or appear to have been altered.

When an image of a payment card is requested:

the first six and last four digits may remain visible;
all middle digits must be concealed;
the CVV or CVC code must be concealed;
the cardholder’s name should remain visible, where available.

Topgift will never request a card PIN, CVV or CVC code, one-time password, 3-D Secure code, online banking password, cryptocurrency private key or wallet seed phrase.

6. Customer Responsibilities

Customers must:

provide accurate and current information;
submit genuine documents;
use only payment methods they are authorised to use;
respond to verification requests within the stated timeframe;
notify Topgift if previously submitted information has materially changed.

Providing false, forged, stolen or misleading information or documents is prohibited.

7. Multiple Accounts

Each customer is permitted to create and maintain only one Topgift account. Creating, owning or using multiple accounts is strictly prohibited.

Customers must not create or use additional accounts to:

bypass purchasing or verification limits;
avoid account restrictions;
use promotions more than once;
conceal related orders or payment activity;
provide different identities or misleading information.

If multiple accounts connected to the same customer are detected, Topgift may request additional verification, restrict all associated accounts or permanently close duplicate accounts in accordance with the Terms and Conditions.

8. Failure to Complete Verification

If verification is not completed, or if the submitted information cannot be verified, Topgift may:

delay or cancel an order;
refuse to increase purchasing limits;
restrict access to certain products or payment methods;
suspend or close the customer’s account;
refuse to provide further services.

Any applicable refund will be handled in accordance with the Topgift Refund Policy.

Completing verification does not guarantee that an order will be accepted or that purchasing limits will be increased.

9. Personal Data

Personal data and documents collected during verification are processed in accordance with the Topgift Privacy Policy and applicable data-protection requirements.

Where necessary and legally permitted, relevant information may be shared with payment providers, verification providers, product suppliers or competent authorities.

10. Confidentiality

Topgift may be unable to disclose certain details concerning a verification or compliance review where disclosure is restricted by law or could compromise security or fraud-prevention measures.

A request for verification does not mean that a customer is accused of committing a criminal offence.

11. Policy Updates

Topgift may update this Policy when its services, verification procedures, partner requirements or applicable legal requirements change.

The latest version will be published on the Topgift website.

12. Contact

Questions concerning verification may be sent to:

support@topgift.io