1. Objective

To comply with Bangladesh Bank regulations and prevent financial crimes. Our KYC (Know Your Customer) policy is designed to verify the identity of our users and ensure adherence to regulatory requirements while maintaining the highest standards of financial security and integrity.

2. Verification Process

Mandatory ID verification, biometric checks, and AML (Anti-Money Laundering) screening are required for all users. Our comprehensive verification process includes multiple layers of authentication to ensure the legitimacy of all account holders and transactions on our platform.

3. Documentation Required

All users must provide the following documentation for account verification:

• National ID/Passport: A clear, valid government-issued identification document
• Proof of address: Recent utility bill, bank statement, or official correspondence showing your current address
• Live selfie or biometric confirmation: Real-time photo verification to match with your identification documents

4. Risk Assessment

Ongoing monitoring for suspicious activities is conducted to maintain platform security. Our advanced risk assessment systems continuously evaluate user behavior and transaction patterns to identify and prevent potential fraudulent activities or regulatory violations.

5. Data Security

All KYC data is securely encrypted, and access is restricted to authorized personnel only. We employ industry-standard security measures including end-to-end encryption, secure data storage, and strict access controls to protect your personal information and ensure complete confidentiality.

6. Compliance and Audits

Regular audits ensure compliance with Bangladesh Bank standards and international best practices. Our compliance team conducts periodic reviews of our KYC processes and maintains up-to-date procedures to meet evolving regulatory requirements.

7. User Cooperation

Users must promptly provide requested documentation and cooperate fully with our verification processes. Failure to provide required information or delays in documentation submission may result in account restrictions or suspension until compliance requirements are met.

8. Amendments

This policy may change with prior notice to comply with updated regulations. Jote reserves the right to update this KYC Compliance Policy at any time to reflect changes in regulatory requirements or business practices. Changes will be posted on this page, and users will be notified of significant modifications.

9. Contact

For KYC verification support, compliance questions, or assistance with documentation, please contact us at:

• Email: info@jote.io

Please include your account information and specific questions when contacting our compliance team. Our support staff will assist you with the verification process and address any concerns regarding KYC requirements.