AML & KYC Policy

1. Purpose

MARKETRONIX LTD sells prepaid credits for cloud Apple Mac time and for work bought through the Cobalt marketplace. This policy sets out the measures we take to prevent our service being used for money laundering, terrorist financing, or the laundering of stolen card details, and the checks we may carry out on customers. It is governed by the laws of England and Wales.

2. Customer Identification (KYC)

Every customer must register with a working email address before any purchase. For payments we collect the cardholder name and full billing address, and the card is authenticated with 3-D Secure through our card-payment processor. We may ask you for additional identification — a government-issued photo ID, proof of address, or evidence that you own the card used — where a transaction or pattern of transactions triggers one of the checks in Section 3. We may decline or reverse a transaction, or suspend an account, until such a request is satisfied.

App Experts who earn on the marketplace are verified before their first payout: we confirm their identity and the bank account the payout is sent to. Payouts are requested, reviewed and approved manually; we do not make automated transfers.

3. Monitoring

We monitor for the following and investigate before completing or refunding a payment:

• Multiple cards used on one account, or one card used across many accounts
• Purchases of credits with no corresponding use of the service
• Requests to refund to a card or account other than the one that paid
• Payments from, or use of the service in, one of the sanctioned countries in section 4
• A pattern of purchases structured to stay below a verification threshold
• A sharp change in purchase volume that does not match the account’s history

4. Sanctions and Restricted Persons

We do not open accounts for, or accept App Expert applications from, people in Russia, Belarus, Iran, North Korea, Syria and Cuba. New sign-ups are checked against the visitor's country and email domain. We also do not knowingly do business with any person or entity subject to UK, EU, UN or US sanctions. By purchasing you confirm that you are not such a person and are not acting on behalf of one.

5. Record Keeping

We retain transaction records, the identification we collect, and the outcome of any investigation for the period required by applicable law and by our card scheme acquirer, and no less than five years from the end of the customer relationship. These records are held under the security measures described in our Privacy Policy and are disclosed only to a competent authority, our acquirer, or where the law requires it.

6. Refusal and Reporting

We may refuse a transaction, freeze a balance, or close an account where we have reasonable grounds to suspect money laundering, fraud, or a sanctions breach. Where the law requires it we will report the matter to the relevant authority. Where we are legally permitted to tell you, we will; in some circumstances we are prohibited from doing so.