TgPay Crypto AML/KYC Policy

10 September 2026 ka version.

1. Policy ka maqsad

Yeh policy TgPay Crypto mein identity aur transaction checks, source of funds verification aur check ke nateeje mein lagu ho sakne waali restrictions ke baare mein hai.

Checks ka maqsad money laundering (AML), terrorist financing (CFT), fraud aur lagu sanctions ko bypass karne se rokna hai. Identity verification ko KYC aur transaction analysis ko KYT kaha jaata hai.

Is policy mein “hum” aur “service” ka matlab TgPay Crypto hai.

Check ka daayra transaction ke nature, available jaankaari aur risk par nirbhar karta hai. App kholne ya koi action karne ki technical suvidha hone se lagu kanooni restrictions khatam nahi hoti.

2. Verification kab zaroori hai

Wallet ke current version mein pehli baar sign in karne ke liye document verification zaroori nahi hai. Kuch features ka access paane, restriction ki jaanch ya transaction check karne ke liye iski zaroorat ho sakti hai. Sambandhit request aur available steps app mein dikhte hain.

Verification mein Telegram se phone number confirm karna, apni basic jaankaari dena aur identity document check karna shaamil hai. Is dauraan first name, last name, patronymic agar ho, date of birth, country of residence, document images, selfie aur liveness check maange ja sakte hain. Residential address ya source of funds ka proof bhi zaroori ho sakta hai.

Apne valid documents aur sahi jaankaari dein. Fake documents, kisi aur ki pehchaan ka istemaal ya verification ke liye doosre vyakti ka data dena manzoor nahi hai. Jaankaari mein galti ho ya woh badal gayi ho, to support team se sampark karein.

Checks mein external verification services shaamil hoti hain aur manual review bhi ho sakta hai. Nateeje ke mutaabiq dobara koshish ya additional jaankaari ki zaroorat ho sakti hai.

3. Identity checks aur risk assessment

Verification ke dauraan identity ki jaankaari sanctions sources, politically exposed persons (PEP) ki jaankaari aur risk se judi publications se milaayi ja sakti hai. Possible match ko context mein dekhna zaroori hai: sirf naam milne se yeh saabit nahi hota ki dono ek hi vyakti hain.

Additional review ki zaroorat ho sakti hai agar mili hui jaankaari aapas mein nahi milti, documents ko bharosemand tareeqe se verify nahi kiya ja sakta ya abuse ke sanket milte hain. Sirf PEP status hone ka matlab gairkanooni kaam karna nahi hai.

Abuse se bachaav ke liye devices, sessions aur activity ki jaankaari bhi istemaal hoti hai. Yeh policy shared IP address ya ek hi device ke istemaal ko apne aap mein violation ka saboot nahi maanti. Review saare available data ko saath mein dekhta hai.

Restrictions aur checks ko bypass karne ke liye linked accounts, dikhaave ke recipients ya transactions ko jaan-boojhkar chhote hisson mein baantna manzoor nahi hai. Merchant API aur MCP ke allowed integrations di gayi permissions ke andar kaam karte hain aur service ke lagu rules se chhoot nahi paate.

4. Transaction screening

Wallet incoming deposits aur withdrawal addresses check karta hai. Transaction ke mutaabiq funds ka source aur destination, available blockchain history, amounts aur transaction sequence, addresses ke connections aur risk indicators analyze kiye jaate hain. Iske liye internal tools, public data aur external blockchain analysis services ka istemaal hota hai.

Funds ka sanctioned addresses, chori, hacks, fraud ya doosre gairkanooni kaamon se sambandh, ya funds movement ke unusual patterns additional review ka kaaran ban sakte hain. Risk assessment decision lene mein madad karta hai; yeh court ke source of funds nirdhaarit karne ke baraabar nahi hai.

Review ke baad transaction ho sakti hai, kisi khaas address par withdrawal reject ho sakti hai, deposit credit hone se pehle hold par ja sakta hai ya additional jaankaari maangi ja sakti hai. Agar koi zaroori check temporary unavailable hai, to uske poora hone tak transaction defer ki ja sakti hai.

Address screening withdrawal attempts ke zariye badi tadaad mein addresses test karne ke liye nahi hai. Blocked addresses ko baar-baar istemaal karne ki attempts par aage ke checks ke liye fee lag sakti hai, jaisa service pehle bataati hai. Yeh fee unblocking ka payment nahi hai aur transaction hone ki guarantee nahi deti.

5. Source of funds verification

Agar transaction ki jaanch ke liye available jaankaari kaafi nahi hai, to aapse poochha ja sakta hai ki koi khaas amount kahaan se aaya aur uske supporting documents maange ja sakte hain. Is check ko source of funds (SoF) verification kehte hain.

Situation ke mutaabiq yeh documents kaam aa sakte hain:

• exchange account ka statement ya transaction history;
• doosri platform se withdrawal ka confirmation;
• sambandhit incoming payment dikhaane waala bank statement;
• contract, invoice, payslip ya property sale document;
• doosre documents jo funds ke source ko review mein chal rahi transaction se jod sakein.

Documents transaction ke amount, time aur circumstances se mel khaane chahiye. Source of funds check se pehle identity verification ki zaroorat ho sakti hai.

Agar sambandhit step More → Verification mein available hai, to documents wahaan upload karein. Agar step nahi hai ya khul nahi raha, to aage ki instructions ke liye support team se sampark karein. Review jaldi karvaane ka waada karne waale baahari logon ko documents na dein.

Adhoori ya aapas mein virodhi jaankaari ki wajah se dobara request aa sakti hai ya restriction reh sakti hai. Documents approve hone se transaction rokne ke doosre grounds khatam nahi hote.

6. Deposit hold aur account restrictions

Hold par rakha deposit us par decision hone tak kharch nahi kiya ja sakta. Sirf deposit hold hone ka matlab funds zabt hona nahi hai.

Kisi khaas deposit ko hold karna aur account restrict karna alag measures hain. Ek incoming deposit hold hone se saare doosre funds apne aap block nahi hote. Alag restriction outgoing transactions ya kuch features ke access par lagu ho sakti hai.

Identity verification, source of funds verification aur deposit par dobara vichaar bhi alag checks hain. Ek check poora karne se saari restrictions hatne ki guarantee nahi milti. Kuch cases mein specialists ka alag review zaroori hota hai.

Agar aapko lagta hai ki restriction galti se lagi hai, to support team se sampark karein. Transaction, asset, network, amount aur transaction ID agar available ho, bataayein. Review jaldi karvaane ki koshish mein naya deposit send na karein.

7. Sanctions aur kanooni restrictions

Users aur transactions check karte waqt hum lagu sanctions restrictions ko dhyaan mein rakhte hain. Agar additional review ke grounds milte hain, to transaction ya sambandhit funds ka access temporary restrict ho sakta hai.

Decision review ke nateejon aur lagu kanoon ko dhyaan mein rakhkar liya jaata hai. Agar funds ko freeze karna kanoonan zaroori hai, to unka istemaal, return samet, zaroori permission milne ya sambandhit pabandi khatam hone ke baad mumkin hai.

Kuch features ki availability user ke desh ki kanooni requirements par nirbhar kar sakti hai. Sirf app khulne se yeh confirm nahi hota ki har transaction allowed hai.

8. Withdrawals aur funds ka return

Review ke dauraan sambandhit funds ka access restrict ho sakta hai. Withdrawal ya return par vichaar karvaane ke liye support team se sampark karein.

Return ki sambhaavna har case mein alag dekhi jaati hai, jab yeh conditions poori hon:

• request karne waale ki identity aur funds par uska haq confirm ho;
• zaroori documents diye gaye hon aur sambandhit checks poore ho chuke hon;
• return lagu kanoon aur current restrictions ke tahat allowed ho.

Agar return approve hota hai, to uska tareeqa aur mumkin fees transaction se pehle tay ki jaati hain. Verification poori hone se section 7 ki restrictions apne aap nahi hat jaati.

9. Umar aur sahi jaankaari

Service adults ke liye hai. Verification mein check kiya jaata hai ki aapki umar kam se kam 18 saal hai. Umar ki requirement poori na hone se verification aur us par nirbhar features ka access ruk sakta hai.

Doosre vyakti ke documents dena ya verification bypass karne ke liye use account saunpna manzoor nahi hai. Minor ke data, identity impersonation ya access kho jaane se judi requests ka individual review zaroori hai. Yeh policy adulthood tak funds ke automatic hold ya bina shart unhein zabt karne ka niyam nahi banaati.

10. Official requests aur confidentiality

Service authorized authorities ki official requests ki jaanch karti hai aur lagu legal basis hone par jaankaari deti hai. Suspicious transactions ki mandatory reporting ka procedure service chalaane waali entity ke status aur lagu kanoon par nirbhar karta hai.

Official request law@tgpaycrypto.com par bheji ja sakti hai. Authority, request ke grounds aur sambandhit transaction ya account pehchaanne ki jaankaari dein. Iska matlab yeh nahi ki request karne waale har vyakti ko data apne aap de diya jaayega.

Process kiye jaane waale data, recipients, protection aur data requests ki jaankaari Privacy Policy mein hai. Checks mein external services shaamil ho sakti hain. Alag data categories ke retention periods lagu zimmedaariyon ko dhyaan mein rakhkar alag tay kiye jaate hain.

11. Support aur dobara review

Verification, hold par deposit ya restrictions se jude sawaalon ke liye app mein More → Support kholein.

Bataayein ki kya hua aur kis decision se aap sehmat nahi hain. Hum request ki jaanch ke liye zaroori jaankaari maang sakte hain. Restriction ke reasons kitni tafseel se bataaye ja sakte hain, yeh kanooni requirements aur checking procedures ko secure rakhne ki zaroorat par nirbhar kar sakta hai.

Koi baahari vyakti fee lekar restriction nahi hata sakta. PIN, one-time codes, API tokens aur external wallets ki secret recovery phrases share na karein.

12. Policy mein badlav

Current version app mein uski effective date ke saath available hoga. Rules badalne par hum lagu kanoon ke notice aur, agar zaroori ho, consent lene ke procedures poore karenge.

Yeh bhi dekhein: TgPay Crypto Privacy Policy · Project ke baare mein