AML policy

1. General provisions

1.1. This policy is part of the public offer of Forum Digital LLC (the “Contractor”) and applies to Balance top-ups on reddit.smm-leadpay.com.

1.2. AML (anti-money laundering) rules are applied by exchanges, exchangers and payment services, and their checks decide whether a payment arrives.

1.3. If you do not pay in cryptocurrency, you can skip sections 3–7; the rest apply to every payment.

2. How payment works

2.1. The site does not take money directly. Payments are accepted by a payment service, Prime Payments or Digiseller (the oplata.info page, WebMoney payment system). The payment service page shows the available payment methods.

1. You enter the amount and your account ID and go to checkout.
2. The payment service receives and checks the payment.
3. Once the payment is confirmed, the money is credited to your Balance.

If the payment service declined or blocked the transfer, the money has not reached the Contractor and the Balance is not topped up. While the check is running, the Contractor cannot credit the money; that becomes possible only once the payment service confirms the payment.

2.2. What to do: contact the support of the payment service you used, from the same e-mail you gave at checkout; it decides on the payment. Digiseller support: Show e-mail. If you need the payment details from our side, write to us: Show e-mail.

3. What an AML check is

3.1. Exchanges, exchangers and payment services automatically check incoming crypto transfers: where the coins came from and which addresses the wallet has dealt with before. The check gives the address a risk level: low, medium or high.

4. Risk categories

4.1. Risk goes up when the coins or the address are linked to sources like these:

Fraud

Coins obtained by deception: fake investments, phishing, fake exchangers.

Hacks and theft

Funds taken from hacked exchanges and other people’s wallets.

Darknet markets

Payments on illegal marketplaces.

Mixers

Services that mix coins to hide where they came from.

Sanctions

Addresses and services on sanctions lists.

Unverified exchange

Exchangers and P2P sellers without customer checks (KYC), who are more likely to receive tainted coins.

5. Why a transfer can be blocked

5.1. Risk travels with the coins. Even if you did nothing wrong, your wallet may have received funds that once passed through a suspicious address. When the risk is high, the receiving service may:

• freeze the transfer while it investigates;
• ask for documents on the source of funds;
• refuse to credit it; if the funds are returned, a fee is usually deducted.

On top of that, Tether, the issuer of USDT, can freeze USDT on an address from its blacklist. After that the coins cannot be sent anywhere.

6. Examples

1. You bought USDT via P2P from a stranger. It later turned out the coins came from fraud. The transfer was frozen and you were asked to prove the source of funds.
2. Your wallet once received a transfer that went through a mixer. A new payment from that address got a high risk score, and the service refused to credit it.
3. Someone paid you in USDT, and the coins turned out to be linked to an exchange hack. The funds were blocked during the check.
4. The address was added to the Tether blacklist. The USDT on it is frozen and cannot be sent to any other address.

7. How to check your wallet before paying

1. Open the @BitOK_AML_bot Telegram bot and check the address of the wallet you will pay from.
2. If the risk is high, do not pay with those coins. Moving them to another address of yours does not remove the risk: use other coins, for example ones bought on a reputable exchange.
3. Buy cryptocurrency on reputable exchanges and exchangers, not from random sellers.

7.1. The bot is a third-party service, not part of reddit.smm-leadpay.com. It checks addresses on BTC, TRON (TRX), ETH, BSC and LTC; a USDT TRC20 address is a TRON address. The bot itself shows how many checks are free.

7.2. If you pay straight from an exchange, you cannot check your own wallet: the transfer leaves from the exchange’s shared address.

A low risk score in the bot does not guarantee the payment will be credited. The Contractor cannot unblock frozen funds; only the service that froze them can. So check the wallet before sending.

8. Payments the Contractor does not accept

8.1. The Contractor does not accept, and may refuse to credit to the Balance:

• funds obtained through crime, including fraud, theft and hacks;
• payment from another person’s card, wallet or account without the owner’s consent;
• payments linked to terrorist financing and other transactions prohibited by law;
• splitting a payment or paying through intermediaries to hide the source of funds.

9. If a payment raises questions

9.1. If the payment service blocked, disputed or returned a payment, or there are signs listed in section 8, the Contractor may:

• hold the payment back from the Balance or suspend the use of credited funds until the matter is clear;
• ask who paid and where the funds came from, never for passwords, login codes or card details;
• refuse to provide Services paid for with this payment.

9.2. Money from such a payment is returned only by the method used to pay and only to the payer, as set out in the refund terms. It is not sent to third parties or to other details.

9.3. If the funds are blocked by the payment service, it decides what happens to the transfer.

10. Payment data we keep

10.1. The Contractor keeps the account ID and payment amount, and receives the transaction number, status and payment code from the payment service. Bank card and crypto wallet details are entered on the payment service side and are not passed to the Contractor.

10.2. Payment records are kept for 5 years; see the privacy policy for details.

11. Contacts

11.1. Questions about this AML policy and payments: Show e-mail. The Contractor’s details are on the Company details page.