Compliance

SudaniCash (operated by AL REAL TRADE AND INVESTMENT INC.) is a registered Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number C10000108. As an MSB, we are required to comply with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its associated Regulations.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's federal private-sector privacy law. We collect, use, and disclose personal information only as necessary to provide our services and in accordance with the purposes disclosed to customers. Customers have the right to access and correct their personal information held by us.

We maintain a comprehensive Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) compliance program that includes written policies and procedures, a designated compliance officer, ongoing employee training, risk assessments, and independent audits. Our program is designed to detect, deter, and report suspicious financial activity in accordance with FINTRAC guidelines.

We apply robust Know Your Customer (KYC) procedures to verify the identity of all customers before processing transactions. Identity verification is required at registration and may be requested at any time to meet our regulatory obligations. We verify government-issued photo identification and may use third-party identity verification services. Enhanced due diligence is applied to higher-risk customers and transactions.

All data transmitted between your device and our servers is protected with 256-bit TLS encryption. This is the same level of encryption used by major financial institutions and ensures that your personal and financial information cannot be intercepted in transit.

Customer funds held pending transfer are kept in segregated accounts separate from company operating funds. This ensures that customer money is protected and available for its intended purpose at all times.

Our systems perform real-time monitoring of all transactions for indicators of fraud, money laundering, and other suspicious activity. Transactions that trigger risk alerts are reviewed by our compliance team before processing.

As required by FINTRAC regulations, we retain all transaction records, customer identification documents, and compliance records for a minimum of seven (7) years from the date of the transaction or the end of the business relationship.

All employees and agents involved in money services operations complete mandatory AML/CTF training upon hire and on an ongoing basis. Training covers recognition of suspicious transactions, customer identification procedures, reporting obligations, and our internal compliance policies.

Our compliance program undergoes an annual independent effectiveness review conducted by a qualified third party. The review assesses whether our AML/CTF controls are effective and makes recommendations for improvement. Results are reported to senior management.