Identity Verification, Compliance and Prohibited Activities Policy

TaxKolay does not accept the use of its services for fraud, forgery, sanctions breaches, unlawful activity or the abuse of third-party systems. This policy explains TaxKolay's approach to knowing its customers and assessing risk.

The policy governs the risk and compliance checks TaxKolay applies independently of its own status; it does not mean that TaxKolay is an "obliged entity" under any country's anti-money-laundering regime or an official compliance authority.

1. Information we may request

Depending on the nature of the service and the level of risk, TaxKolay may request:

• a passport or ID;
• a selfie;
• current proof of address;
• company ownership and beneficial owner details;
• shareholder and director documents;
• evidence of activity and a website;
• orders, invoices or commercial contracts;
• bank and payment platform records;
• an explanation and evidence of the source of funds;
• tax information;
• additional verification requested by the relevant third party.

These documents should be uploaded through the secure customer portal wherever possible.

2. What triggers further verification

Further verification may be requested where there is:

• inconsistency in identity details;
• an issue with document quality or validity;
• a transaction carried out on behalf of another person;
• uncertainty about company ownership;
• a suspected match against sanctions lists, politically exposed persons or risk lists;
• an unusual transaction or high fraud risk;
• a request from a third party or public authority;
• a chargeback or suspected account takeover;
• a business model that appears different from the one declared.

3. Activities we may decline

TaxKolay may choose not to provide services, or to carry out further review, particularly for:

• unlawful activities;
• gambling and betting activities;
• adult content or services;
• weapons activities;
• controlled substances and illegal drug activities;
• persons, countries or activities subject to sanctions;
• fraud, falsified documents or identity misuse;
• suspected money laundering or laundering of criminal proceeds;
• human trafficking or similar serious unlawful activities;
• activities intended to deceive third parties' policies.

Dropshipping alone is not prohibited. Crypto-related activities are assessed case by case, taking into account the business model, country, licensing and third-party policies.

4. Suspension or refusal of service

To the extent justified by the specific risk and applicable law, TaxKolay may:

• request additional documents,
• decline new payments or transactions,
• hold back the submission of an application,
• temporarily restrict the account,
• terminate the service.

Non-recoverable official and third-party fees arising without fault on TaxKolay's part, and because of the customer's falsified or incorrect information or prohibited activity, may not be refunded. The mandatory rights of consumers are reserved.

5. Sanctions and third-party rules

TaxKolay accepting a customer does not mean the relevant bank, fintech, payment platform or public authority will also accept them. Each third party applies its own identity verification, anti-money-laundering and risk policy independently.

6. Staff safety and abuse

Where there is a serious threat, harassment, insult or blackmail directed at TaxKolay's staff, or pressure to use the service for unlawful purposes, communication channels may be restricted and the service may be terminated to the extent permitted by law.

7. Governing language

The Turkish version of this document prevails. The English translation is provided for information purposes only; in the event of any discrepancy between the two, the Turkish version applies.