Conditii de Utilizare

GENERAL USER CONDITIONS PLATFORM 10-01-2020

General User Conditions Platform

  1. This document reflects the general terms and conditions applicable on the Platform Services provided by SNV to Users.
  2. Users are provided access to the SNV Platform provided that Users act in accordance with the terms and conditions imposed by SNV. The Platform Services allows Users to purchase Webcam Entertainment Services from the Performers registered on the platform.

Introduction

If You are a visitor or a User / buyer (hereinafter referred to as User) of the Entertainment Webcam Services offered by the Performer on this Platform as exploited by (hereinafter: referred to as SNV), you must consult these General User Conditions Platform.These General User Conditions Platform describe the terms and rules applicable when the User visits this Platform and when he purchases Entertainment Webcam Services from the Performers registered on the Platform.

The General User Conditions Platform constitute all the rules of use of the Platform and govern the relationship between on the one hand you as a User of SNV's Platform and/or customer of Entertainment Webcam Services offered by the Performers on the Platform of SNV, and on the other hand SNV, as a technical Platform. These General User Conditions Platform do not apply to the Entertainment Webcam Services offered by the Performers to Users. SNV does not participate in the offer, sale and delivery of Entertainment Webcam Services offered by the Performer. If you purchase Entertainment Webcam Services from a Performer, an agreement will come in place between you and the Performer, SNV will not be part to this agreement.Before you enter the Platform, you must read carefully and accept these General User Conditions Platform in whole, including the documents and other regulations that are part of it for reference. If you do not wish to accept these General User Conditions Platform or if you do not understand the language used, please leave the Platform.

1. General

1.1. These General User Conditions Platform supersede all prior conditions applicable between SNV and the User with respect to the SNV Platform.
1.2. By effectively using SNV's technical Platform, you are deemed to have accepted these General User Conditions Platform.
1.3. If you have any questions regarding these General User Conditions Platform you can consult the FAQ section (frequently asked questions) or contact SNV via the contact form that you will find on the Platform.
1.4. SNV reserves the right to modify these General User Conditions Platform. SNV will inform the User by placing the new modified General User Conditions Platform on the SNV Platform. In case of explicit request by the duly registered User, SNV will transmit the modified General User Conditions Platform by email or any other means. The changes take effect 14 days after publication or on the date specified in the notification. If the User does not accept the modifications, the relationship between you as a User of SNV's technical Platform and SNV will end, by the effect of the law.

2. Definitions

2.1. (hereinafter: ACW BV): refers to registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2. Direct Payment: the payment by the User to Performer for the Entertainment Webcam Services other than via the E-Wallet.
2.3. Entertainment Webcam Service: service offered and sold by the Performer on this Platform to the User which service is rendered via the webcam.
2.4. E-Wallet (prepaid virtual credit): prepaid virtual credit on the name of the User serving to make discharge payments to the Performers who offer and sell their Entertainment Webcam Services on the SNV Platform. The E-Wallet is not an account but a virtual credit which cannot be refunded to the User.
2.5. Financial Transaction: the transaction by which the User feeds his virtual credit.
2.6. General Conditions E-Wallet: general conditions applicable to the relationship between you as a User of the E-Wallet m and ACW BV.
2.7. General User Conditions Platform: general conditions applicable to the relationship between you as a User of the SNV Platform and SNV.
2.8. Login data: data giving access to the User account.
2.9. Payment Service: allowing Users to exchange money for virtual credits in their E-Wallet which credits the User can only spend for purchasing Entertainment Webcam Services from the Performers on the Platform. A payment from the User results in a discharge payment in respect of that which the User owes to the Performer.
2.10. Performer: the natural person who offers and sells Entertainment Webcam Services to the User via the Platform provided by SNV.
2.11. The Performer account: the personal registration of the Performer on the SNV Platform which contains the Performer's information and his account.
2.12. Performer Name: the name under which the Performer is listed on the SNV Platform.
2.13. Performer Profile: the complete description of the Performer made by the Performer on his personal page.
2.14. Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to use of the SNV Platform including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.15. SNV refers to a company registered in the commercial registry under number 122760, having its offices at the address mentioned below, ECommerce Park Vredenberg, Unit 23. Willemstad, Curacao and related companies and partners of SNV with the exception of the related company ACW BV.
2.16. SNV Platform: the technical Platform of SNV to which a number of websites are linked.
2.17. Start date: the date on which the User accepts the General User Conditions E-Wallet.
2.18. User: the natural person who purchases Entertainment Webcam Services from the Performer.
2.19. User Account: the personal registration of the User on the SNV Platform.
2.20. User Name: the name under which the User is registered on the SNV Platform but also the name which, combined with the personal password, allows access to the User Account.
2.21. User Information: all the information that you place yourself as a User on the SNV Platform or on your User Account, including registration data, feedback and all other messages.

3. User Requirements

3.1. The User must be a person with legal capacity or at least the age of majority in his country of residence and the power to enter into binding contracts.
3.2. The User must not be less than 18 years old and must have reached at least the legal age of use of the Platform.
3.3. The User Account is not transferable, in any form whatsoever.

4. Registration

4.1. To be able to register, the User must choose a User name and a password.
4.2. The User is personally responsible for the use he makes of his username and password.
4.3. The User must take all necessary steps to protect his password.
4.4. The General User Conditions Platform take effect on the date on which the User has registered and has accepted the General User Conditions Platform (effective date).
4.5. Registration as a User is completely free of charges.

5. SNV is only a technical Platform

5.1. SNV acts as a technical Platform allowing the Performer to anonymously provide the Entertainment Webcam Services to the User and the User to anonymously purchase the Entertainment Webcam Services from the Performer. 5.2. SNV does not control the Entertainment Webcam Services offered by the Performer and SNV does not intervene in the Entertainment Webcam Services offered by the Performer.
5.3. SNV only acts as a host. SNV hosts content and information that is placed by the Performer in his account, the Entertainment Webcam Services offered by the Performer and information placed by the User (User Information) in his Account on the Platform.
5.4. SNV does not in any way verify the quality, safety or legality of the Entertainment Webcam Services offered, the Performer's competence to offer Entertainment Webcam Services and the User's ability to purchase Entertainment Webcam Services. SNV therefore does not guarantee the quality, safety or legality of the Entertainment Webcam Services offered, the Performer's competence to offer Entertainment Webcam Services and the User's ability to purchase Entertainment Webcam Services. SNV does not guarantee that the Performer will actually provide the Entertainment Webcam Services offered.
5.5. The User may obtain from the Performer paid Entertainment Webcam Services and also free Entertainment Webcam Services. The User and the Performer will mutually agree upon this.
5.6. The payment by the User to the Performer will be made by any means they have mutually agreed upon. In this respect ACW BV, which is a related company of SNV, offers the possibility for the User to make discharge payments to the Performers by making use of a so-called E-Wallet. The relationship between ACW BV and the User is governed by the General Conditions E-Wallet.
5.7. Under no circumstances is SNV a party to the offer, sale and / or delivery of Entertainment Webcam Services offered by the Performer. Using the E-Wallet offered by ACW BV to the User to pay for the Performer does not change the above.

6. Absence of representation

6.1. SNV on the one hand, and the User on the other, are independent parties. Each of them acts in his own name and on his own behalf.
6.2. These General User Conditions Platform are not intended to establish / create an agency, agency agreement, corporation, joint venture or any other form of cooperation or to establish an employer or franchisor relationship. The above cannot be the subject of the General User Conditions Platform.

7. Entertainment Webcam Services

7.1. The price of the Entertainment Webcam Services offered by the Performer is determined by the Performer himself. The price of the Entertainment Webcam Services offered is mentioned on the personal page of the Performer.
7.2. Entertainment Webcam Services and transactions are not approved and / or validated by SNV.
7.3. The User must ensure for himself that he has the ability to purchase the Entertainment Webcam Service offered by the Performer under the applicable law in his country of origin or in his country of residence.
7.4. It cannot be guaranteed that the Entertainment Webcam Services offered will be harmless for the User, for third parties and/or for their property.

8. Information and actions of the User

8.1. The User is solely responsible for the information he publishes on the SNV Platform.
8.2. Said information as well as all the acts of the User cannot:
a. be inaccurate, incorrect or misleading;
b. be insulting, threatening, damaging, slanderous;
c. infringe copyright, privacy rights or other rights;
d. violate the law and/or any other regulation;
e. contravene public order and / or morality;
f. be obscene, indecent or contain child pornography;
g. incur the liability of SNV and/or cause (in whole or in part) that SNV cannot exploit the Platform;
h. cause SNV's Platform to be broken, damaged or less efficiently operated, or have the effect that the SNV Platform is affected in such a way that its effectiveness or functionality is affected in any way.

9. Privacy and personal data.

9.1. SNV acts as a technical Platform allowing the Performer to anonymously provide Entertainment Webcam Services and the User to anonymously purchase Entertainment Webcam Services. As a result, it is recommended not to publish personal information (e.g. name, address, telephone number, email address, social network account).
9.2. Information about SNV's data protection is mentioned in the Privacy Statement of Users. In particular, it explains how SNV processes the User's personal data and how the User's privacy is respected when purchasing the Entertainment Webcam Services.
9.3. The User is personally responsible for the confidentiality of the corresponding identifiers to his User account and must himself take all reasonable measures to maintain the confidentiality of this information.9.4. SNV will inform the User in the event that his User Account is suspended. SNV will reenable User Account credentials as soon as possible and after the causes of the suspension have been resolved.

10. Fraud/AML/ abuse

10.1. SNV will, in the event of suspected fraud, prohibited transactions or money laundering, carry out an identity check. Failure by the User to cooperate with an identity check may result in the immediate suspension or termination of the relationship between the User and SNV.
10.2. In the event of suspected fraud, prohibited transactions or money laundering, or not complying with the General User Conditions Platform, the User is responsible for all losses suffered by SNV as a result of / or in connection with these actions.

11. Miscellaneous

11.1. In case there will be any payment obligation from the User towards SNV under these General User Conditions Platform, in addition to all other legal rights and remedies available towards the User by SNV, the amount at that moment remaining in the E-Wallet offered by ACW BV for the payment of the Performers, will serve as (partial) payment of such obligation.
11.2. SNV cannot be held responsible towards the User or a third party for any loss incurred by the User due to imposed transaction limits or other recoveries.

12. Litigation

12.1. The User accepts and acknowledges that SNV is not a party and therefore SNV cannot be held responsible for any dispute between the User and the Performer.
12.2. Claims or disputes arising from these General User Conditions Platform must first be reported to SNV online support.

13. Warranties

13.1. The User guarantees that he is over 18 years old. The User also guarantees to have reached at least the legal age of use of the Platform.
13.2. The User guarantees that he will comply with all laws, regulations and regulations applicable to the purchase of Entertainment Webcam Services by the Performers registered on the SNV Platform.
13.3. The User will not (attempt to) initiate, or take advantage of, fraud, prohibited transactions or money laundering, the violation of these General User Conditions Platform or a violation of the law or be in violation of applicable laws and regulations.
13.4. The User is obliged to pay the taxes, fees and commissions that may arise from the use of the SNV Platform.

14. Exclusion of guarantees

14.1. SNV does not warrant that the access to the Platform, the operation of the servers and the Entertainment Webcam Services of the Performer will be permanent, uninterrupted, fast / punctual, secure or infallible.
14.2. To the fullest extent permitted by law, SNV excludes all warranties, conditions or other terms, legal or implicit, quality or speed / punctuality in relation to the use of the Platform by the User.
14.3. SNV does not warrant that the use of the Platform offered by SNV will always meet all User requirements or will be permanent, secure, virus free and infallible.

15. Violation of the General User Conditions Platform

15.1. Without prejudice to the other means available to SNV, SNV has the right to immediately send the User a warning, to temporarily suspend or for an indefinite period the User's Account, to close the User's Account, to refuse to the User access to the use of the Platform when:
a. the User does not respect the General User Conditions Platform or the documents by integral part by reference; or
b. when it proves impossible for SNV to check the accuracy of the information provided by the User; or
c. SNV is of the opinion that the User is guilty of fraudulent activity, fraud, prohibited transactions or money laundering or is involved in, or in any way connected with, such activities; or
d. SNV believes that the User, by its actions, causes or may cause damage to SNV.

16. Limitation of liability of SNV.

16.1. Entertainment Webcam Services offered and purchased on SNV's Platforms are not endorsed by SNV. The User is solely responsible for the legality of his actions. SNV declines any responsibility with regard to any dangerousness or defectiveness of the Entertainment Webcam Services offered on SNV's Platform that may be harmful to physical or mental health.
16.2. In no event shall SNV be liable for any direct or indirect (consequential) damages, including:
* any loss or falsification of data;
* any loss of profit (suffered directly or indirectly);
* any loss as a result of cybercrime;
* any loss of turnover;
* any loss of reputation;
* any loss of opportunity;
* any indirect, incidental, or other damages, regardless of whether the loss or damage is attributable to any changes made by SNV to the SNV Platform or due to temporary or permanent interruption of the SNV Platform, and regardless of whether it is due to negligence or any other cause attributable to SNV.
16.3. SNV's liability to the User whatever the circumstances is limited, in any event, to the aggregate of the amounts that the User has paid to the Performer(s) as a fee for the Entertainment Webcam Services in the six months preceding the legal act giving rise to the responsibility, the whole with a maximum of 150 €.

17. Compensation

17.1. The User agrees to indemnify and hold SNV harmless against any claim or claim whatsoever including reasonable attorney's fees from any third party that is attributable to or arising from the breach of this contract of use or documents by integral part by reference, a violation of the law or the regulation or an infringement of the rights of a third party by the User.
17.2. When the User has a right or a claim on the Performer or is in dispute with the latter following the use of the SNV Platform, the User has no right of recourse against SNV and the User guarantees SNV against any claim, seeking liability, damages, losses, costs and compensation, including legal costs, known or unknown, in connection with such a claim or such litigation.

18. Announcements and notifications

18.1. Statements, notices and other announcements to the User may be made by post, email, publications on the SNV Platform or by any other reasonable means.
18.2. All notifications to the User will be sent to the email address that he has indicated to SNV during the registration process.

19. Policy rules

19.1. SNV reserves the right to introduce policy rules to supplement or amend the conditions and / or to clarify the applicable provisions. The policy rules are an integral part of these General User Conditions Platform.
19.2. SNV can modify the policy rules. Important changes will be published on the SNV Platform.
19.3. Once these modifications have been published, the User may, within 14 days, inform SNV that he refuses to accept these changes. In that case the relationship between SNV and the User will end.
19.4. The policy rules to which it is referred, and which form part of these General User Conditions Platform are: SNV's privacy policy, GDPR policy as included in the cookie policy and the Users Code of Conduct.

20. Termination of the relationship with SNV

20.1. The General User Conditions Platform apply until the relationship between SNV and the User is terminated as described below.
20.2. If the User wishes to terminate the relationship with SNV, he can do so immediately and free of charge by closing his User account.
20.3. SNV may terminate the relationship with the User at any time without notice when:a. the User has violated an essential provision of the General User Conditions Platform or clearly shows, by the way he acts, that he does not intend or is unable to comply with the essential provisions of the General User Conditions Platform; orb. SNV is obligated by law.
20.4. The termination of the relationship between SNV and the User does not affect the rights, obligations and responsibilities arising from the law which governed the relationship between the User and SNV.

21. Governing Law

21.1. The law of Curaçao is applicable to the relationship between SNV and the User. Any dispute that may arise between the User and SNV, resulting from these General User Conditions Platform or any other agreement or any other action in connection with these General User Conditions Platform will be settled by the Court of Willemstad, Curaçao, except to the extent that binding rules of jurisdiction shall apply.
21.2. In the event of contradiction, whatever it may be, between the English version and a version in another language of the present contract of use, the English version prevails.
21.3. The court in Willemstad, Curaçao has exclusive jurisdiction in case of litigation.

22. Other

22.1. The User acknowledges that the rights and obligations arising from these General User Conditions Platform and all other documents that apply by reference, may be freely and automatically transferred by SNV in the event of a merger, demerger or redemption or any other form of restructuring.
22.2. The titles of the different sections of these General User Conditions Platform are purely indicative and do not necessarily indicate precisely the content of the articles to which they refer.
22.3. If SNV fails to act as a result of not complying by the User or by third parties of these General User Conditions Platform, SNV does not automatically waive the right to act in the face of subsequent or similar violations.
22.4. If SNV does not exercise or enforce a legal right or remedy set forth in these General User Conditions Platform (or to which SNV is entitled in accordance with applicable law), that choice shall not be considered to constitute a waiver of a right on the part of SNV. Nor can that choice be regarded as a waiver of a right to act in relation to subsequent or similar violations. SNV can and still has the right to exercise its rights or to implement the remedies.
22.5. The provisions of the articles bearing the titles: "8. Information and actions of the User", "13. Warranties", "16. Limitations of responsibility of SNV", "18. Announcements and notifications", "21. Governing law" and "22. Other" and other provisions and charges thereunder continue to apply after the termination of the relationship between SNV and the User.
22.6. These General User Conditions Platform together with the documents that form part thereof by reference and the policy rules followed govern the entire relationship between the User and SNV.

Code of Conduct for Users

For buying the services from the Performers who are registered on the platform of (the Platform) (the Entertainment Webcam Services), the Users need to open an Users Account on the Platform and in this respect they need to comply with this Code of Conduct.
In addition to the Code of Conduct (also referred to as: “Code”), Users are required to comply with the Users Conditions.
Nothing in this Code of Conduct shall be deemed to amend, limit or otherwise impact any other obligations the User may have to (whether such obligation is written or otherwise) will discontinue the relationship with any User who violates the Code or the law.
The Code is comprised of 3 sections. Section A outlines standards for buying the Entertainment Webcam Services from the Performers registered on the Platform. Section B adds standards relating to business ethics and Section C contains additional provisions.
A. BUYING ENTERTAINMENT WEBCAM SERVICES FROM THE PERFORMERS REGISTERED ON THE PLATFORM
In buying the services from the Performers registered on the Platform, the Users are committed to uphold the human rights as understood by the international community and proclaimed under the Universal Declaration of Human Rights and the International Labour Organization's core conventions.
1. Free Choice
When buying the Entertainment Webcam Services from the Performers registered on the Platform, the Users will comply with the rule that all Performers have to provide the Entertainment Webcam Services via the Platform voluntarily.
2. Child Labour Avoidance
When buying the Entertainment Webcam Services from the Performers registered on the Platform, the Users will comply with the rule that child labour shall not be used under any circumstances. The term "child" refers to any person under the age of 18 or 21 according to the applicable local laws.
3. Non-Discrimination
In buying the Entertainment Webcam Services from the Performers registered on the Platform, the Users must maintain an attitude free of harassment and unlawful discrimination.
B. ETHICS
requires the highest standards of integrity in all interactions between and the Users and in all business interactions between the Users and the Performers registered on the Platform.
1. Business Integrity
In buying the Entertainment Webcam Services from the Performers registered on the Platform any and all forms of corruption, extortion and embezzlement are strictly prohibited.
2. No Improper Advantage
Users are prohibited to use their User Account as an item of value in providing, promising to provide, or offering to provide any item of value, directly or indirectly, to any government or public international organization officials, political parties.
3. Disclosure of Information
Users should not disclose information regarding business activities, structure, financial situation and performance, relating to any other party. Users shall act in accordance with applicable regulations and prevailing industry practices in this area.
4. Intellectual Property, Confidentiality, and Data Privacy
Users are prohibited from using any or third party patented technology, copyrighted materials, or other intellectual property or confidential information without written permission. Users are further prohibited from transferring, publishing, disclosing, or using 's confidential information other than as necessary in the ordinary course of business or as authorized by.
5. Data Privacy Laws and Regulations
Users are required to abide by applicable data privacy laws and regulations.
6. Fair Business
In buying the Entertainment Webcam Services from the Performers registered on the Platform, Users shall maintain all standards of fair business.
C. ADDITIONAL PROVISIONS
1. Conflicts of Interest
Users must be free to act with total objectivity in their relationship with , and thus, must avoid conflicts of interest.
2. Regulatory Officials
Users have to be honest in discussions with regulatory agency representatives and government officials and cooperate with representatives in any internal or external investigations or audits of Users' relationship involving or related to.
3. Contacts
Users shall inform the support if any situation develops that causes the User to act in violation of this Code.
Users are encouraged to promptly contact and to work together in resolving the compliance concern.

GENERAL USER CONDITIONS E-WALLET (10-01-2020)

General User Conditions E-Wallet

  1. This document reflects the general terms and conditions applicable on the Payment Services provided by ACW to Users.
  2. ACW B.V. provides Payment Services to Users by allowing the Users to exchange money for virtual credits in their E-wallet. Users may only spend these credits for purchasing Entertainment Webcam Services from the Performers on the SNV Platform.

Introduction

If You are a User of the E-Wallet (hereinafter referred to as User) offered by (hereinafter: ACW BV) serving to make discharge payments to the Performers who offer and sell their Entertainment Webcam Services on the Platform as exploited by (hereinafter: referred to as SNV Platform and SNV respectively), you must consult these General User Conditions E-Wallet for the use of the E-Wallet (hereinafter: General User Conditions E-Wallet).
These General User Conditions E-Wallet describe the terms and rules applicable when the User uses the E-Wallet as registered and stored by ACW BV to make discharge payments to the Performers for the purchase of the Entertainment Webcam Services offered and sold to him by the Performers registered on the Platform. A User can only apply for the use of the E-Wallet after he has opened a User Account on the SNV Platform.
The General User Conditions E-Wallet constitute all the rules of use of the E-Wallet and govern the relationship between you as a User of the E-Wallet on the one hand and ACW BV as the provider of the E-Wallet on the other hand. These General User Conditions E-Wallet do not apply to the Entertainment Webcam Services sold by the Performers to Users for which the E-Wallet is used as a payment method. ACW BV does not participate in the offer, sale and delivery of Entertainment Webcam Services offered by the Performer. If you purchase Entertainment Webcam Services from a Performer, an agreement will come in place between you and the Performer, ACW BV will not be part to this agreement.

1. General

1.1. These General User Conditions E-Wallet supersede all prior conditions applicable between SNV and the User with respect to the E-Wallet.
1.2. By effectively using the E-Wallet, you are deemed to have accepted these General User Conditions E-Wallet.
1.3. If you have any questions regarding these General User Conditions E-Wallet you can consult the FAQ section (frequently asked questions) or contact ACW BV via the contact form that you will find on the SNV Platform.
1.4. ACW BV reserves the right to modify these General User Conditions E-Wallet. ACW BV will inform the User by placing the new modified General User Conditions E-Wallet on the SNV Platform. In case of explicit request by the duly registered User, ACW BV will transmit the modified General User Conditions E-Wallet by email or any other means. The changes take effect 14 days after publication or on the date specified in the notification. If the User does not accept the modifications, the relationship between you as a User of the E-Wallet and ACW BV will end, by the effect of the law.
1.5. The General User Conditions E-Wallet take effect on the date on which the User has registered and has accepted the General User Conditions E-Wallet (effective date).

2. Definitions

2.1. ACW BV: refers to registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2. Direct Payment: the payment by the User to Performer for the Entertainment Webcam Services other than via the E-Wallet.
2.3. Entertainment Webcam Service: service offered and sold by the Performer on this Platform to the User which service is rendered via the webcam.
2.4. E-Wallet (prepaid virtual credit): prepaid virtual credit on the name of the User serving to make discharge payments to the Performers who offer and sell their Entertainment Webcam Services on the SNV Platform. The E-Wallet is not an account but a virtual credit which cannot be refunded to the User.
2.5. Financial Transaction: the transaction by which the User feeds his virtual credit.
2.6. General Conditions E-Wallet: general conditions applicable to the relationship between you as a User of the E-Wallet m and ACW BV.
2.7. General User Conditions Platform: general conditions applicable to the relationship between you as a User of the SNV Platform and SNV.
2.8. Login data: data giving access to the User account.
2.9. Payment Service: allowing Users to exchange money for virtual credits in their E-Wallet which credits the User can only spend for purchasing Entertainment Webcam Services from the Performers on the Platform. A payment from the User results in a discharge payment in respect of that which the User owes to the Performer.
2.10. Performer: the natural person who offers and sells Entertainment Webcam Services to the User via the Platform provided by SNV.
2.11. The Performer account: the personal registration of the Performer on the SNV Platform which contains the Performer's information and his account.
2.12. Performer Name: the name under which the Performer is listed on the SNV Platform.
2.13. Performer Profile: the complete description of the Performer made by the Performer on his personal page.
2.14. Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to use of the SNV Platform including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.15. SNV refers to a company registered in the commercial registry under number 122760, having its offices at the address mentioned below, ECommerce Park Vredenberg, Unit 23. Willemstad, Curacao and related companies and partners of SNV with the exception of the related company ACW BV.
2.16. (SNV) Platform: the technical Platform of SNV to which a number of websites are linked.
2.17. Start date: the date on which the User accepts the General User Conditions E-Wallet.
2.18. User: the natural person who purchases Entertainment Webcam Services from the Performer.
2.19. User Account: the personal registration of the User on the SNV Platform.
2.20. User Name: the name under which the User is registered on the SNV Platform but also the name which, combined with the personal password, allows access to the User Account.
2.21. User Information: all the information that you place yourself as a User on the SNV Platform or on your User Account, including registration data, feedback and all other messages.

3. User Requirements

3.1. The User must be a person with legal capacity and the power to enter into binding contracts.
3.2. The User must not be less than 18 years old or at least the age of majority in his country of residence and must have reached at least the legal age of use of the Platform.
3.3. The E-Wallet is not transferable, in any form whatsoever.

4. E-Wallet

4.1. The E-Wallet is a virtual asset registered with ACW BV to the credit of the User upon placing of funds by the User, and serves to allow the User to make discharge payments to the Performers for Entertainment Webcam Services purchased from the Performers.
4.2. The User can only apply for registration of the E-Wallet with ACW BV with his User Account on the SNV Platform.
4.3. ACW BV provides Payments Services to Users by allowing the Users to exchange money for virtual credits in their E-Wallet which credits the User can only spend for purchasing Entertainment Webcam Services from the Performers on the SNV Platform. A payment from the User by means of the E-Wallet results in a discharge payment in respect of that which the User owes to the Performer for the purchase of the Entertainment Webcam Services from the Performer.
4.4. The User acknowledges that, in the event of purchase of a Performer Service, the amount due to the Performer will be deducted directly and automatically from his virtual credit in order to make a discharge payment to the Performer.
4.5. The E-Wallet is not an account but a virtual asset.
4.6. ACW BV sets daily loading limits for the E-Wallet to comply with the AML rules.
4.7. In any case, the E-Wallet cannot be considered as a deposit.
4.8. In no case does ACW BV pay interest on the balance of the E-Wallet.
4.9. ACW BV does not charge any fees to the User for the use of the E-Wallet.
4.10. The E-Wallet and/or the funds placed is not refundable.
4.11. The User agrees that he will not give access (or attempt to give access) to the E-Wallet to third parties.
4.12. The User may not undertake any activity that could hinder or interfere with the operation of the E-Wallet (or the servers and networks to which the E-Wallet is connected).
4.13. The User is prohibited from reproducing, duplicating, copying, selling, exchanging the E-Wallet.
4.14. Use of the E-Wallet by the User is completely free of charges.
4.15. Payment via the E-Wallet guarantees the anonymity of the User and the Performer. Only the name chosen by the User and the Performer on the Platform will be visible.
4.16. Under no circumstances is ACW BV a party to the offer, sale and / or delivery of Entertainment Webcam Services offered by the Performer. Using the E-Wallet to pay for the Performer does not change the above.

5. Direct payment

5.1. The Performer may be paid by the User for his Entertainment Webcam Services other than via the E-Wallet. The payment by the User to the Performer will then be made by any means they have mutually agreed upon.

6. Absence of representation.

6.1. ACW BV on the one hand, and the User on the other, are independent parties. Each of them acts in his own name and on his own behalf.
6.2. These General User Conditions E-Wallet are not intended to establish / create an agency, agency agreement, corporation, joint venture or any other form of cooperation or to establish an employer or franchisor relationship. The above cannot be the subject of the General User Conditions E-Wallet.

7. Information of the User

7.1. The User is solely responsible for the information he provides in order to make use of the E-Wallet.
7.2. Said information of the User cannot:
a. be inaccurate, incorrect or misleading;
b. violate the law and/or any other regulation;
c. incur the liability of ACW BV and/or cause (in whole or in part) that ACW BV cannot operate the E-Wallet;
d. cause the E-Wallet to be broken, damaged or less efficiently operated, or have the effect that the E-Wallet is affected in such a way that its effectiveness or functionality is affected in any way.

8. Privacy and personal data

8.1. ACW BV operates an E-Wallet allowing the User to anonymously pay for the Entertainment Webcam Services purchased from Performer. As a result, it is recommended not to publish personal information (e.g. name, address, telephone number, email address, social network account).
8.2. Information about ACW BV's data protection is mentioned in the Privacy Statement of Users. In particular, it explains how ACW BV processes the User's personal data and how the User's privacy is respected when using the E-Wallet.
8.3. The User is personally responsible for the confidentiality of the corresponding identifiers to his User account and thus to the information in respect of the E-Wallet and must himself take all reasonable measures to maintain the confidentiality of this information.
8.4. ACW BV will inform the User in the event that his E-Wallet is suspended. ACW BV will reenable the use of the E-Wallet credentials as soon as possible and after the causes of the suspension have been resolved.

9. Fraud/AML/ abuse

9.1. SNV and/or ACW BV will, in the event of suspected fraud, prohibited transactions or money laundering, carry out an identity check. Failure by the User to cooperate with an identity check may result in the immediate suspension of the use of the E-Wallet and termination of the relationship between the User and ACW BV.
9.2. The User acknowledges that ACW BV may block a transaction, a payment order or any use of the E-Wallet when ACW BV reasonably suspects a case of fraud, prohibited transactions or money laundering, the violation of these General User Conditions E-Wallet or a violation of the law. When ACW BV blocks a transaction or payment order, the User is informed unless ACW BV is legally prevented from doing so.
9.3. In the event of suspected fraud, prohibited transactions or money laundering, or not complying with the General User Conditions E-Wallet, the User is responsible for all losses suffered by ACW BV as a result of / or in connection with these actions.

10. Miscellaneous

10.1. In case there will be any payment obligation from the User towards ACW BV under these General User Conditions E-Wallet, in addition to all other legal rights and remedies available towards the User by ACW BV, the amount at that moment remaining in the E-Wallet will serve as (partial) payment of such obligation.
10.2. ACW BV cannot be held responsible towards the User or a third party for any loss incurred by the User due to imposed transaction limits or other recoveries.

11. Litigation

11.1. The User accepts and acknowledges that ACW BV cannot be held responsible for any dispute between the User and the Performer.
11.2. Claims or disputes arising from these General User Conditions E-Wallet must first be reported to ACW BV online support.

12. Warranties

12.1. The User guarantees that he is over 18 years old of at least the age of majority in his country of residence. The User also guarantees to have reached at least the legal age of use of the Platform.
12.2. The User guarantees that he will comply with all laws, regulations and regulations applicable to the use of the E-Wallet.
12.3. The User will not (attempt to) initiate, or take advantage of, fraud, prohibited transactions or money laundering, the violation of these General User Conditions E-Wallet or a violation of the law or be in violation of applicable laws and regulations.
12.4. The User is obliged to pay the taxes, fees and commissions that may arise from the use of the E-Wallet.

13. Exclusion of guarantees

13.1. ACW BV does not warrant that the operation of the E-Wallet, the operation of the servers and the Entertainment Webcam Services of the Performer will be permanent, uninterrupted, fast / punctual, secure or infallible.
13.2. To the fullest extent permitted by law, ACW BV excludes all warranties, conditions or other terms, legal or implicit, quality or speed / punctuality in relation to the use of the E-Wallet by the User,
13.3. ACW BV does not warrant that the use of the E-Wallet will always meet all User requirements or that the operation of the E-Wallet will be permanent, secure, virus free and infallible.

14. Violation of the General User Conditions E-Wallet

14.1. Without prejudice to the other means available to ACW BV, ACW BV has the right to immediately send the User a warning, to temporarily suspend or for an indefinite period the User's E-Wallet, to close the User's E-Wallet, to refuse to the User access to the use of the E-Wallet when:
a. the User does not respect the General User Conditions E-Wallet or the documents by integral part by reference; or
b. when it proves impossible for ACW BV to check the accuracy of the information provided by the User; or
c. ACW BV is of the opinion that the User is guilty of fraudulent activity, fraud, prohibited transactions or money laundering or is involved in, or in any way connected with, such activities; or
d. ACW BV believes that the User, by its actions, causes or may cause damage to ACW BV.

15. Limitation of liability of ACW BV

15.1. In no event shall ACW BV be liable for any direct or indirect (consequential) damages, including:
* any loss or falsification of data;
* any loss as a result of cybercrime;
* any loss of profit (suffered directly or indirectly);
* any loss of turnover;
* any loss of reputation;
* any loss of opportunity;
* any indirect, incidental, or other damages, regardless of whether the loss or damage is attributable to any changes made by ACW BV to the E-Wallet or due to temporary or permanent interruption of the E-Wallet, and regardless of whether it is due to negligence or any other cause attributable to ACW BV.
15.2. ACW BV's liability to the User - whatever the circumstances - is limited, in any event, to the aggregate of the amounts that the User has paid to the Performer through the E-Wallet in the six months preceding the legal act giving rise to the responsibility, the whole with a maximum of 150 €.

16. Compensation

16.1. The User agrees to indemnify and hold ACW BV harmless against any claim or claim whatsoever including reasonable attorney's fees from any third party that is attributable to or arising from the breach of this contract of use or documents by integral part by reference, a violation of the law or the regulation or an infringement of the rights of a third party by the User.
16.2. When the User has a right or a claim on the Performer or is in dispute with the latter following the use of the E-Wallet, the User has no right of recourse against ACW BV and the User guarantees ACW BV against any claim, seeking liability, damages, losses, costs and compensation, including legal costs, known or unknown, in connection with such a claim or such litigation.

17. Announcements and notifications

17.1. Statements, notices and other announcements to the User may be made by post, email, publications on the SNV Platform or by any other reasonable means.
17.2. All notifications to the User will be sent to the email address that he has indicated to ACW BV during the registration process.
17.3. The User can consult free of charge the transactions carried out with his E-Wallet. The User agrees that he will not receive a statement in paper form.

18. Policy rules

18.1. ACW BV reserves the right to introduce policy rules to supplement or amend the conditions and / or to clarify the applicable provisions. The policy rules are an integral part of these General User Conditions E-Wallet.
18.2. ACW BV can modify the policy rules. Important changes will be published on the SNV Platform.
18.3. Once these modifications have been published, the User may, within 14 days, inform ACW BV that he refuses to accept these changes. In that case the relationship between ACW BV and the User will end.
18.4. The policy rules to which it is referred, and which form part of these General User Conditions E-Wallet are: privacy policy, GDPR policy as included in the cookie policy and the Users Code of Conduct.

19. Termination of the relationship with ACW BV

19.1. The General User Conditions E-Wallet apply until the relationship between ACW BV and the User is terminated as described below.
19.2. If the User wishes to terminate the relationship with ACW BV, he can do so immediately and free of charge by closing his User Account as a result of which the E-Wallet will also be closed. The User has no right of refund of the remaining credits.
19.3. ACW BV may terminate the relationship with the User at any time without notice when:
a. the User has violated an essential provision of the General User Conditions E-Wallet or clearly shows, by the way he acts, that he does not intend or is unable to comply with the essential provisions of the General User Conditions E-Wallet; or
b. ACW BV is obligated by law for example, when the provision of the E-Wallet to the User is not or will not be legally authorized.
19.4. The termination of the relationship between ACW BV and the User does not affect the rights, obligations and responsibilities arising from the law which governed the relationship between the User and ACW BV.
19.5 The relationship between ACW BV and the User in respect of the E-Wallet is automatically terminated if the relationship between SNV and the User in respect of the use of the Platform is terminated.

20. Governing Law

20.1. The law of the Netherlands is applicable to the relationship between ACW BV and the User. Any dispute that may arise between the User and ACW BV, resulting from these General User Conditions E-Wallet or any other agreement or any other action in connection with these General User Conditions E-Wallet will be settled by the Court of The Hague, except to the extent that binding rules of jurisdiction shall apply.
20.2. In the event of contradiction, whatever it may be, between the English version and a version in another language of the present contract of use, the English version prevails.
20.3. The court in The Hague has exclusive jurisdiction in case of litigation.

21. Other

21.1. The User acknowledges that the rights and obligations arising from these General User Conditions E-Wallet and all other documents that apply by reference, may be freely and automatically transferred by ACW BV in the event of a merger, demerger or redemption or any other form of restructuring.
21.2. The titles of the different sections of these General User Conditions E-Wallet are purely indicative and do not necessarily indicate precisely the content of the articles to which they refer.
21.3. If ACW BV fails to act as a result of not complying by the User or by third parties of these General User Conditions E-Wallet, ACW BV does not automatically waive the right to act in the face of subsequent or similar violations.
21.4. If ACW BV does not exercise or enforce a legal right or remedy set forth in these General User Conditions E-Wallet (or to which ACW BV is entitled in accordance with applicable law), that choice shall not be considered to constitute a waiver of a right on the part of ACW BV. Nor can that choice be regarded as a waiver of a right to act in relation to subsequent or similar violations. ACW BV can and still has the right to exercise its rights or to implement the remedies.
21.5. The provisions of the articles bearing the titles: "7. Information and actions of the User", "12. Warranties", "15. Limitations of liability ", "17. Announcements and notifications", "20. Governing law" and "21. Other" and other provisions and charges thereunder continue to apply after the termination of the relationship between ACW BV and the User.
21.6. These General User Conditions E-Wallet together with the documents that form part thereof by reference and the policy rules followed govern the entire relationship between the User and ACW BV.

AGREEMENT BETWEEN ACW AND INDEPENDENT PERFORMER REGARDING THE PROVISION OF PAYMENT SERVICES (10-01-2020)

Agreement between ACW and Performer regarding the Provision of Payment Services

  1. This document reflects the general terms and conditions applicable on the Payment Services provided by ACW to Performers.
  2. At the instructions of Users, ACW will debit the Users E-Wallet for the discharge payment of Entertainment Webcam Services the Performer has provided to Users. Consequently, ACW will credit the Performer Payment Account. Before crediting the Performer Payment Account, ACW will deduct: (i) the Platform Fees due by the Performer and credit SNV. (ii) the Payment Service Fee due by the Performer and credit ACW.

This Agreement describes the general terms & conditions that apply when you use the Payment Service (Billing) offered by ACW BV.
This Agreement constitutes a legally valid contract determining the relationship between you, as the Performer and ACW BV
Before you can make use of the Payment Services you need to carefully read and accept all the conditions and stipulations of this Agreement, including the documents and Policy Rules that are part of this Agreement.

1. General

1.1 This Agreement replaces all previous agreements between the Performer and a company of the AC Group.
1.2 In the case of questions about this Agreement the Performer can consult the FAQ page (Frequently Asked Questions) or contact ACW BV via the online contact form of ACW BV.
1.3 ACW BV has the right to make changes to this Agreement. ACW BV will notify the Performer of such changes by means of placing the new, amended Agreement on the SNV Platform, by means of an email to the registered Performer by other means. The changes take effect on the date specified in the notification. If the Performer is unable to agree with the changes this Agreement will terminate.
1.4 This Performer Agreement is drawn up in the English language. In the event of a conflict between the English version and a version in another language the English version will prevail.

2. Definitions

2.1 ACW BV: being a company registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2 AC Group: companies which are directly and indirectly held by AC Media Connect Holding BV, AC Media Connect Holding BV.
2.3 AC Media Connect Holding BV: a company registered in the commercial registry under number 6863636628, having its offices at Beursplein 37, 3011 AA, Rotterdam.
2.4 : a company having its offices at E-commerce Park Vredenberg, Unit 23, Willemstad, Curacao, Netherlands Antilles, registered under number 12276
2.5 Affiliates: third parties with whom has concluded agreements to provide and offer marketing services to the Performers.
2.6 Entertainment Webcam Service: a service offered and sold by the Performer to the User.
2.7 Entertainment Webcam Service Fee: the fee the User pays to the Performer for the sale of the Entertainment Webcam Service by the Performer to the User.
2.8 E-Wallet: virtual credit balance registered by ACW BV upon receipt of funds from the User. The User's E-Wallet is stored in the ACW BV computer system. The E-Wallet is not a bank account but a virtual balance.
2.9 Financing Transaction: the transaction in which the User deposits credits into his/her virtual balance (E-Wallet).
2.10 General Platform Fees: the fee that SNV charges to the Performer for the General Platform Service.
2.11 General Platform Services: the services provided to the Performer for the use of the SNV Platform in return for payment, which services may fully be performed by SNV and/or partly by Affiliates under a contract concluded by and the Affiliates.
2.12 General Platform Services Agreement: the general terms & conditions that apply to the relationship between the Performer and SNV in relation to the provision of the General Platform Services to the Performers.
2.13 Micro Company: an enterprise which qualifies under the definition of Micro Company for VAT purposes in your country of residence.
2.14 Payment Day: the 1st or 16th day of each calendar month. If this day falls on a Saturday, Sunday or public holiday, the Payment Day will be postponed to the next following days.
2.15 Payment Instruction: the authorisation the User gives ACW BV to deduct the payment from the virtual credit balance in the User's E-Wallet for the Entertainment Webcam Services purchased from the Performer; these credits are automatically and instantly credited to the Performer Payment Account.
2.16 Payment Service: a service provided by ACW BV to the Performer by crediting the Performer Payment Account, upon the debiting of a virtual credit balance held by the User (E-Wallet), for the discharge payment of Entertainment Webcam Services the Performer has sold to the User.
2.17 Payment Service Agreement: the agreement as concluded by ACW and the Performer on the basis of which ACW BV renders Payment Service to the Performer (this Agreement).
2.18 Payment Service Fee: the fee that ACW BV charges to the Performers for the Payment Service.
2.19 Payment Transaction: the transaction in which ACW BV transfers the credits held in the Performer's Payment Account into the bank account of the Performer.
2.20 Performer: the party who offers and sells his Webcam Entertainment Services to the Users via the SNV Platform and either operates as an independent professional or as a micro company in his country of residence. Wherever the word ‘Performer’ is used this may also be read as ‘you’.
2.21 Performer Account: the Performer's personal registration on the SNV Platform containing the personal information of the Performer (Performer's Profile and the Performer's Name).
2.22 Performer Information: all the information you, as a Performer, put on the SNV Platform and/or on the Performer’s Account, including registration details, pictures, videos, feedback and all other communications.
2.23 Performer's Name: the name under which the Performer is registered. Also the name that, in combination with the personal password, gives access to the Performer's Account.
2.24 Performer Payment Account: the Performer's current account with ACW BV, to which – ACW BV credits the payments made and approved by Users for the purchase of the Webcam Entertainment Services provided by the Performer and to which ACW BV debits amounts owed to ACW BV and/or to SNV by the Performer.
2.25 Performer's Profile: the full personal and physical description of the Performer.
2.26 Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to the relationship between the Performer and any member of the AC Group as a result of any agreement concluded between the two including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.27 Reservation Requirement: the amount that ACW BV reserves temporarily in accordance with the General Platform Services Agreement to cover possible payment cancellations by Users.
2.28 SNV refers to , registered with the Chamber of Commerce under number 122760, with its offices at E-Commerce Park Vredenberg, unit 23, Willemstad, Curaçao and to the companies and Partners affiliated with
2.29 SNV Platform: the technical platform exploited by SNV that enables the Performer to provide and sell Entertainment Webcam Services anonymously and enables the User to purchase Entertainment Webcam Services anonymously.
2.30 Third Party: any party except the Performer and ACW BV.
2.31 Transaction Fees: the costs associated with the Payment Transaction.
2.32 User: a person who purchases Entertainment Webcam Services from the Performer via a Website connected to the technical Platform of SNV and who uses the User Payment Service (E-Wallet) in order to make the discharge payment of the Entertainment Webcam Services the Performer has provided and sold to the User.
2.33 User Account: the User's personal registration on the SNV technical SNV Platform.
2.34 User Payment Service: service offered by ACW BV to the User whereby the User can obtain – upon placing of funds by the User - a prepaid virtual credit on his name to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform. The Payment Service does not constitute an account but a Virtual Credit which cannot be refunded to the User.
2.35 Virtual Credit: a non-refundable virtual asset registered with ACW BV to the credit of the User upon placing of funds by the User which serves for the User to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform.
2.36 Website: a website linked to the technical Platform of SNV.

3. Payment Services

3.1 ACW BV will debit the Users E-Wallet for the discharge payment of Entertainment Webcam Services the Performer has provided to Users. Consequently, ACW will credit the Performer Payment Account. On Payment day ACW BV effectuates the Payment Transaction retaining the Payment Service Fee and the General Platform Service Fee.
3.2. The Performer can only apply for registration of the Payment Services with ACW BV with his Performer Account on the SNV Platform as laid down in the General Platform Services Agreement the Performer has concluded with SNV. It is not possible for a Performer to apply for the Payment Services if this Performer has not opened a Performer Account on the SNV Platform.
3.3. In principle the information provided by the Performer for opening his Performer Account is used for applying for the Payment Services and opening the Performer Payment Account albeit that ACW BV is entitled to ask any additional information from the Performer which is considered to be necessary by ACW BV in respect of the application of the Performer for the Payment Services.
3.4. The Performer is obliged to provide complete, up to date and correct registration information and information in respect of his Performer Account and his Performer Payment Account and to update this information on a regular basis to keep it current and correct.
3.5. The Performer agrees that:
a. the sale of the Webcam Entertainment Services constitutes a transaction between the Performer and the User; ACW BV is not a party to this sale.
b. ACW BV is not responsible for and has no influence on the completion or the payment of the Entertainment Webcam Service Fee for the Entertainment Webcam Service Services purchased by the User from the Performer.
c. The Studio has to comply with the VAT legislation in his country of residence in respect of the sale of the Entertainment Webcam Services to the Users.
3.6. If a Financing Transaction is reversed for whatever reason (cancellation), ACW BV is entitled to recover the payment from the Performer by debiting the previously credited amount back from the Performer's Payment Account.
3.7. ACW BV has a Reservation Requirement of 5 percent of the amount of the Webcam Entertainment Services the User has purchased from the Performer. The Reservation Requirement is a temporary reserve (180 days) to cover potential payment cancellations by the User.
3.8. ACW BV can suspend a Payment Transaction if ACW BV, at its own discretion, suspects that the Payment Transaction: is based on a factual error, is fraudulent or is made using a fraudulent or invalid method of payment and/or is a possible case of money laundering.
3.9. ACW BV will notify the Performer about the suspension of any Payment Transaction.
3.10. ACW BV is entitled to deduct all payment obligations that ACW BV may accrue under this Agreement from the Performer's Payment Account, in addition to all other rights and legal means available to ACW BV pursuant to this Agreement.
3.11. ACW BV is not liable to the Performer or Third Parties for any loss suffered by the Performer as a result of imposed transaction limits, Reservation Requirements, payment cancellations or other refund demands.

4. Payment Services Fee

4.1. ACW BV renders the Payment Services to the Performer against a Payment Service Fee. ACW BV will deduct this Payment Service Fee from the discharge payments made by Users to Performers for the Webcam Entertainment Services provided by the Performer.
4.2. The amount of the Payment Transaction is on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amount is retained by ACW BV to cover the payment of the invoices due by the Performer for the Payment Services and to cover the payment of the invoices due by the Performer for the General Platform Services.
4.3 The Performer has the right to download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Entertainment Webcam Service Fees as set out above.
4.4 Transaction Fees may apply depending on the chosen payment method as laid down in the Performer Account.

4.5 ACW BV is entitled to change the Payment Service Fee and/or the Transaction Fee the Performer is due to ACW BV. The changes take effect on the date specified in the notification of such change. If, in the 14 days after this change, the Performer notifies ACW BV that he/she does not accept the changes in question, question the Payment Service Agreement and the right to use the Payment Services will terminate immediately upon receipt of this notification.

5. Additional conditions Payment Service

5.1. The Performer agrees that:
a. the Performer’s Payment Account may not be a deposit account;
b. ACW BV is not required to pay the Performer interest on any balance in the Performer’s Payment Account.
5.2. The Performer agrees and acknowledges that ACW BV is not a party to and is not responsible for any dispute between the User and the Performer.
5.3. Any dispute with respect to the Payment Service must, in the first instance, be reported to the online support team of the AC Group.

6. General Platform Fee

6.1 There is no charge for registering as a Performer on the SNV Platform.
6.2 SNV renders the General Platform Services to the Performer against an General Platform Fee.
6.3 Performer hereby instructs ACW BV to deduct this General Platform Fee from the discharge payment made by Users to Performers for the Webcam Entertainment Services.
6.4 The amount of the Payment Transaction is based on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amount is retained by ACW BV to cover the payment of the invoices due by the Performer for the Payment Services and to cover the payment of the invoices due by the Performer for the General Platform Services.
6.5 The Performer has the right to download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Entertainment Webcam Service Fees as set out above.
6.6 SNV NV is entitled to change the General Platform Services Fee. The changes take effect on the date specified in the notification of such change. If, in the 14 days after this change, the Performer notifies SNV NV that he/she does not accept the changes in question, this Agreement will terminate immediately upon receipt of this notification.
6.7 ACW BV will charge Dutch VAT on the Payment Services Fee on the basis of Dutch VAT legislation. Charging VAT on the Payment Services does not affect the amount of the Payment Transaction nor the VAT position of the Performer in his country of residence with respect to the Webcam Entertainment Services sold to the User.

7. No representation

7.1 ACW BV on the one hand and the Performer on the other are independent parties; each party acts only in its own name and on its own behalf.
7.2 It is not the purpose of this Payment Service Agreement to establish an agency, mandate ship, partnership, joint venture or any other form of collaboration, an employer/employee relationship or a franchisor/franchisee relationship. The Payment Service Agreement consequently does not create any of the above.

8. Guarantees

8.1 Each party declares and guarantees that he/she/it is legally competent and authorised to sign this Payment Service Agreement.
8.2 The Performer guarantees ACW BV that he/she is at least 18. If the legislation in the country of the Performer differs from this rule the Performer must be at least 21. For this purpose the Performer will supply a copy of a valid ID.
8.3 The Performer guarantees ACW BV that:
a. the Performer will comply with all the laws, regulations and bylaws that apply to the Performer’s use of the Payment Service;
b. the Performer will comply with (the rules resulting) from the Payment Services Agreement;
c. the Performer will comply with the national legislation of the country in which the Performer is located;
d. the Performer will not attempt to initiate or receive a Payment Transaction that is illegal or fraudulent or that conflicts with the applicable legislation and regulations;
e. the Performer will pay all taxes, levies and commissions which will be due for the Performer in respect of the use of the Payment Services and/or the SNV Platform and/or the use of the General Platform Services and/or the provision of the Entertainment Webcam Services to the User.
8.4 The Performer indemnifies and/or shall be liable for any damage sustained by ACW BV as a result of non-compliance with the stipulations of section 8.3 of the present article. The Performer cannot exculpate itself towards ACW BV by stating that the damage arose as a result of a violation by the Performer. The Performer shall be liable for its or its Performer's actions at all times.
8.5 ACW BV guarantees the Performer that the Payment Service will be provided with reasonable care and professionalism.
8.6 ACW BV does not guarantee that the Payment Service will meet all of the Performer’s requirements or that the Payment Service will function uninterruptedly, be virus-free, safe or error-free.

9. Announcements and notification

9.1 Declarations, notifications and other announcements from ACW BV to the Performer can be made by post, email, via publications on the SNV Platform or by any other reasonable method.
9.2 The Performer agrees that ACW BV can send the Performer electronic messages that relate to the Performer’s use of the Payment Service or any other matter.

10. Information and actions on the part of the Performer

10.1 The Performer is solely responsible and liable for the information he provides in order to make use of the Payment Services. The Performer is obliged to comply with all the applicable national, European and international regulations relating to the activities and Services offered on the SNV Platform.
10.2 This information from and any actions and/or Services by the Performer cannot:
a. be inaccurate, incorrect or misleading;
b. be insulting, threatening, damaging, slanderous;
c. infringe copyright, privacy rights or other rights;
d. violate the law and/or any other regulation;
e. contravene public order and / or morality;
f. be obscene, indecent or contain child pornography;
g. incur a liability for ACW BV and/or cause (in whole or in part) that ACW BV cannot operate the Payment Services;
h. cause the operation of the Payment Services by ACW BV to be broken, damaged or less efficiently rendered, or have the effect that the provision of the Payment Services is affected in such a way that its effectiveness or functionality is affected in any way.

11. Fraud, money laundering and terrorism financing

11.1 Without prejudice to any other legal remedy, ACW BV can suspend or terminate the Performer's Payment Account, if actions on the part of the Performer cause ACW BV to reasonably suspect or give the impression that there is any form of involvement or association with fraudulent activities (fraud and terrorism financing), prohibited transactions or money laundering, the violation of this Agreement or a violation of the law.
11.2 If the Performer commits fraud, is involved in prohibited transactions or money laundering or terrorism financing, or deliberately or as a result of gross negligence fails to comply with the stipulations of this Agreement or the law, the Performer is liable for all loss suffered in relation to the unlawful transactions.
11.3. The Performer acknowledges that ACW BV may block a transaction, a payment order or any use of the Payment Services when ACW BV reasonably suspects a case of fraud, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law or terrorism financing. When ACW BV blocks a transaction or payment order, the Performer is informed unless ACW BV is legally prevented from doing so.
11.4. In the event of suspected fraud, prohibited transactions, terrorism financing or money laundering, or not complying with this Agreement, ACW BV may as a result declare the transaction to the relevant authorities without informing the Performer.

12. Violation of this Agreement

12.1 Without prejudice to any other means available to ACW BV, ACW BV has the right to send the Performer an immediate warning, suspend or terminate the Performer’s Payment Account temporarily or indefinitely and refuse to provide the Payment Services to the Performer if:
a. the Performer violates this Agreement, the General Platform Services Agreement or the documents that form an integral part of this Agreement and/or the General Platform Services Agreement for reference purposes;
b. it proves impossible for ACW BV to verify the correctness of the information provided by the Performer; or
c. ACW BV suspects that the Performer is engaged in, will be engaged in or is in any way involved or associated with fraudulent activities, terrorism financing, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law;
d. ACW BV feels that by his/her actions the Performer will or may cause damage to ACW BV.

13. Limitation of liability ACW BV

13.1. ACW BV can never be held liable for any direct or indirect damage or (consequential) loss, including but not limited to :
any loss or falsification of data;
loss of profits (suffered directly or indirectly);
loss of turnover;
loss of goodwill or reputation;
loss of opportunity;
or for indirect, incidental, additional or any other damage, irrespective of whether the loss or damage is attributable to any change ACW BV has made to the operation of the Payment Service, or due to a permanent or temporary interruption in the Payment Service, and irrespective of any negligence or other cause.
13.2. ACW BV's liability to the Performer – irrespective of the circumstances – is in any case limited to the total of the amounts the Performer has received from ACW BV in the 6 months preceding the legal action that gives rise to the liability, with a maximum of €100.

14. Account not Assignable

14.1 The Performer Account is non assignable, shall be strictly personal and must not be transferred to or used by any third party.
14.2 Creating a Performer Account for a third party shall be prohibited.

15. Indemnity

15.1 The Performer will compensate ACW BV and protect ACW BV against any entitlement or claim whatsoever including reasonable solicitors’ fees on the part of a third party and that is attributable to or arises from a violation of this Agreement or the documents that form part of the Agreement for reference purposes, a violation of any law or regulation whatsoever or the infringement of the rights of a third party by the Performer.
15.2 If the Performer has an entitlement or claim against or a dispute with a User as a result of the use of the operation of the Payment Services, the Performer indemnifies ACW BV against any claims, liability, damage, loss, costs and fees, including legal fees, known or unknown, that are associated with such an entitlement, claim or dispute.

16. Termination of relationship with ACW BV

16.1 This Agreement will remain in place until such time as it is cancelled by the Performer or by ACW BV, as outlined below. If this Agreement is cancelled this means that the Performer Payment Account will be closed by ACW BV.
16.2 If the Performer wishes to terminate this Agreement with ACW BV, the Performer can do so at any time and free of charge by closing the Performer’s Account as a result of which the provision of the Payment Services by ACW BV to the Performer under this Agreement will also terminate.
16.3 ACW BV can terminate this Agreement at any time without prior notice if:
a. the Performer has violated an essential stipulation of this Agreement or has made it clear by his/her actions that he/she does not intend to comply or is not capable of complying with the essential stipulations of this Agreement; or
b. ACW BV is legally obliged to do so.
16.4 The termination of this Agreement does not affect the legal rights, obligations and responsibilities the Performer and ACW BV have used, that have applied to the relationship between the Performer and ACW BV, or that arose in the period that this Agreement was in effect or for which it is stipulated that they remain valid for an indefinite period.
16.5 Upon termination of this Agreement or any other termination of the use of the Payment Service by the Performer the Performer remains responsible for all cancellations and recovery costs.

17. Applicable law

17.1 Dutch law applies to this Agreement. Any disputes that arise or may arise between the Performer and ACW BV as a result of this Agreement or subsequent agreements or other actions in relation to this Agreement will be settled by the competent courts in the Netherlands.
17.2 This Agreement is drawn up in the English language. In the event of a conflict between the English version of this Agreement and a version in another language, the English version will prevail.

18. Other

18.1 The Payment Service referred to in this Agreement is supplied by ACW BV.
18.2 The Performer agrees that ACW BV can freely and by operation of law transfer the rights and obligations arising from this Agreement and from all the documents that apply for reference purposes in the event of a merger, division, takeover or other restructuring.
18.3 The titles of the various sections of this Performer’s Agreement are indicative only and do not necessarily give an exact indication of the content of the articles to which they refer.
18.4 If ACW BV fails to act in respect of a violation of this Agreement by the Performer or by others ACW BV does not automatically waive the right to act in respect of later or similar violations.
18.5 If ACW BV does not exercise or enforce a legal right or legal remedy referred to in this Agreement (or to which ACW BV is entitled in accordance with the applicable law) this cannot be considered a waiver of the rights of ACW BV. Neither can it be considered a waiver of the right to act in respect of later or similar violations. ACW BV can and may always use its rights or legal remedies.
18.6 The provisions in the following articles: ‘9. Announcements and notification’, ‘10. Information and actions on the part of the Performer’, ‘13. Limitation of liability ACW BV’, ‘14. Indemnity’, , ‘16. Applicable law’ and ‘17. Other’ and any other provision insofar as applicable continue to exist after the termination or expiry of this Agreement.
18.7 This Agreement, accompanied by the documents and Policy Rules included for reference purposes, constitutes the entire agreement between the Performer and ACW BV.

AGREEMENT BETWEEN SNV AND PERFORMER REGARDING THE PROVISION OF GENERAL PLATFORM SERVICES (10-12-2020)

Agreement between SNV and Performer regarding the provision of General Platform Services

  1. This document reflects the general terms and conditions applicable on the Platform Services provided by SNV to Performers.
  2. Performers are provided access to the SNV Platform provided that Performers act in accordance with the terms and conditions imposed by SNV. The Platform Services allows Performers to provide Entertainment Webcam Services to Users registered on the Platform.

This Agreement describes the general terms & conditions that apply when you use the General Platform Services offered by SNV.
This Agreement constitutes a legally valid contract determining the relationship between you, as the Performer, and SNV NV.
Before you can offer and sell your services on the Platform you need to carefully read and accept all the conditions and stipulations of this Agreement, including the documents and Policy Rules that are part of this Agreement.

1. General

1.1 This Agreement replaces all previous agreements between the Performer and a company of the AC Group.
1.2 In the case of questions about this Agreement the Performer can consult the FAQ page (Frequently Asked Questions) or contact SNV via the online contact form of SNV.
1.3 SNV has the right to make changes to this Agreement. SNV will notify the Performer of such changes by means of placing the new, amended Agreement on the Platform, by means of an email to the registered Performer upon request, or by other means. The changes take effect on the date specified in the notification. If the Performer is unable to agree with the changes the Agreement will terminate.
1.4 By signing this Agreement the Performer accepts that part of the General Platform Services can be provided by an Affiliate under a contract in this respect with .

2. Definitions

2.1 ACW BV: being a company registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2 AC Group: companies which are directly and indirectly held by AC Media Connect Holding BV, AC Media Connect Holding BV.
2.3 AC Media Connect Holding BV: a company registered in the commercial registry under number 6863636628, having its offices at Beursplein 37, 3011 AA, Rotterdam.
2.4 : a company having its offices at E-commerce Park Vredenberg, Unit 23, Willemstad, Curaçao, Netherlands Antilles, registered under number 12276
2.5 Affiliates: third parties with whom has concluded agreements to provide and offer marketing services to the Performers.
2.6 Entertainment Webcam Service: a service offered and sold by the Performer to the User.
2.7 Entertainment Webcam Service Fee: the fee the User pays to the Performer for the sale of the Entertainment Webcam Service by the Performer to the User.
2.8 E-Wallet: virtual credit balance registered by ACW BV upon receipt of funds from the User. The User's E-Wallet is stored in the ACW BV computer system. The E-Wallet is not an account but a virtual balance.
2.9 Financing Transaction: the transaction in which the User deposits credits into his/her virtual balance (E-Wallet).
2.10 General Platform Fees: the fee that SNV charges to the Performer for the General Platform Service.
2.11 General Platform Services: the services provided to the Performer for the use of the SNV Platform in return for payment, which services may fully be performed by SNV and/or partly by Affiliates under a contract concluded by and the Affiliates.
2.12 General Platform Services Agreement: the general terms & conditions that apply to the relationship between the Performer and SNV in relation to the provision of the General Platform Services to the Performers (this Agreement).
2.13 Micro Company: an enterprise which qualifies under the definition of Micro Company for VAT purposes in your country of residence.
2.14 Payment Day: the 1st or 16th day of each calendar month. If this day falls on a Saturday, Sunday or public holiday, the Payment Day will be postponed to the next following days.
2.15 Payment Instruction: the authorisation the User gives ACW BV to deduct the payment from the virtual credit balance in the User's E-Wallet for the Entertainment Webcam Services purchased from the Performer; these credits are automatically and instantly credited to the Performer Payment Account.
2.16 Payment Service: a service provided by ACW BV to the Performer by crediting the Performer Payment Account, upon the debiting of a virtual credit balance held by the User (E-Wallet), for the discharge payment of Entertainment Webcam Services the Performer has sold to the User.
2.17 Payment Service Agreement: the agreement as concluded by ACW BV and the Performer on the basis of which ACW BV renders Payment Service to the Performer.
2.18 Payment Service Fee: the fee that ACW BV charges to the Performers for the Payment Service.
2.19 Payment Transaction: the transaction in which ACW BV transfers the credits held in the Performer's Payment Account into the bank account of the Performer.
2.20 Performer: the party who offers and sells his Webcam Entertainment Services to the Users via the SNV Platform and either operates as an independent professional or as a micro company in his country of residence. Wherever the word ‘Performer’ is used this may also be read as ‘you’.
2.21 Performer Account: the Performer's personal registration on the SNV Platform containing the personal information of the Performer (Performer's Profile and the Performer's Name).
2.22 Performer Information: all the information you, as a Performer, put on the SNV Platform and/or on the Performer’s Account, including registration details, pictures, videos, feedback and all other communications.
2.23 Performer's Name: the name under which the Performer is registered. Also the name that, in combination with the personal password, gives access to the Performer's Account.
2.24 Performer Payment Account: the Performer's current account with ACW BV, to which ACW BV credits payments made by Users for the purchase of the Webcam Entertainment Services provided by the Performer and to which ACW BV debits amounts owed to ACW BV and/or to SNV by the Performer.
2.25 Performer's Profile: the full personal and physical description of the Performer.
2.26 Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to the relationship between the Performer and any member of the AC Group as a result of any agreement concluded between the two including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.27 Reservation Requirement: the amount that ACW BV reserves temporarily in accordance with the General Platform Services Agreement to cover possible payment cancellations by Users.
2.28 SNV refers to , registered with the Chamber of Commerce under number 122760, with its offices at E-Commerce Park Vredenberg, unit 23, Willemstad, Curaçao and to the companies and Partners affiliated with
2.29 SNV Platform: the technical platform exploited by SNV that enables the Performer to provide and sell Entertainment Webcam Services anonymously and enables the User to purchase Entertainment Webcam Services anonymously.
2.30 Third Party: any party except the Performer and ACW BV.
2.31 Transaction Fees: the costs associated with the Payment Transaction.
2.32 User: a person who purchases Entertainment Webcam Services from the Performer via a Website connected to the technical Platform of SNV and who may or may not use the User Payment Service (E-Wallet) in order to make the discharge payment of the Entertainment Webcam Services the Performer has provided and sold to the User.
2.33 User Account: the User's personal registration on the SNV technical SNV Platform.
2.34 User Payment Service: service offered by ACW BV to the User whereby the User can obtain – upon placing of funds by the User - a prepaid virtual credit on his name to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform. The Payment Service does not constitute an account but a Virtual Credit which cannot be refunded to the User.
2.35 Virtual Credit: a non-refundable virtual asset registered with ACW BV to the credit of the User upon placing of funds by the User which serves for the User to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform.
2.36 Website: a website linked to the technical Platform of SNV.

3. Conditions Performer

3.1 The Performer must be a person who is legally competent and authorised to sign binding agreements and must be at least 18. If the legislation in the country of the Performer differs from this rule the Performer must be at least 21. For this purpose the Performer will supply a copy of a valid ID of the Performer together with his photograph.
3.2 The Performer cannot be a person whose Performer’s Account has been temporarily or permanently suspended for legal reason.
3.3. The Performer Account is not transferable, in any form whatsoever.
3.4 The Performer is obliged to make a Performer Account by completing and sending the applicable on-line registration form and upload all forms as requested during the registration process.
3.5 The moment SNV has received and approved the documents, SNV shall send the Performer an e-mail to confirm the registration, a link and a password to access the Performer Account.
3.6 After approval the Performer will have access to the countersigned Performer Agreement on his Performer Account and will be able to offer and sell Webcam Entertainment Services (Effective Date).
3.7 The Performer shall be under the obligation to supply current, correct, complete and truthful data in respect of himself. The Performer shall furthermore be under the obligation to immediately inform SNV of any changes in said data (such as Address, Banking Information, etc.).
3.8 There is no charge for registering as a Performer.
3.9 In the event of non-compliance with this article SNV shall be entitled to dissolve the Performer Agreement with immediate effect or to suspend the Performer Agreement for an (in)definite period of time.

4. Password and Performer’s Name

4.1 The Performer is responsible for all actions (including but not limited to safeguarding the secrecy) involving the Performer’s Name and his password.
4.2 The Performer must observe all the appropriate security measures to protect his password. The Performer is not allowed to reveal such password to Third Parties.
4.3 Neither is the Performer allowed to permit Third Parties to use the Performer’s Name and his password either directly or indirectly.
4.4 The password and Performer’s Name given to the Performer is for that person ONLY.
4.5 The Performer indemnifies and holds SNV harmless from any loss of his password and/or Performer’s Name, including but not limited to; actual, total, capital or consequential loss, for reason of the Performer not safeguarding the secrecy of the password to their account. In this case, the Performer shall be liable for the costs incurred and the damage sustained by SNV. SNV shall never be liable to the Performer for any damage resulting from loss, theft, publication or misuse of the password of the Performer.
4.6 In the event there is any suspicion that the password and/or the Performer’s Name of the Performer are misused, the Performer shall immediately notify SNV thereof.

5. SNV is a technical platform only

5.1 SNV acts exclusively as a technical platform that enables the Performer to provide and sell Entertainment Webcam Services anonymously and enables the User to purchase Entertainment Webcam Services anonymously.
5.2 SNV does not check, monitor or validate the Entertainment Webcam Services provided and sold by the Performer and SNV is in no way involved in the Entertainment Webcam Services provided and sold by the Performer.
5.3 SNV has no control over the quality, safety or legality of the Entertainment Webcam Services offered and sold by the Performer, the Performer’s competence to offer and sell the Entertainment Webcam Services and the User’s competence to purchase the Entertainment Webcam Services.
5.4 SNV does not guarantee the Performer that the User will pay for the Entertainment Webcam Services purchased by the User from the Performer.
5.5 The provision and sale of the Entertainment Webcam Services by the Performer to the Users and the purchase of the Entertainment Webcam Services by the Users only constitute an agreement between the Performer and the Users. SNV is not a party to this sale. The Performer has to comply with the VAT legislation in his country of residence in respect of the sale of the Entertainment Webcam Services to the Users.
5.6 The Performer agrees and acknowledges that SNV is not a party to and is not responsible for any dispute between the User and the Performer.

6. No representation

6.1 SNV on the one hand and the Performer on the other are independent parties; each party acts only in its own name and on its own behalf.
6.2 It is not the purpose of this Agreement to establish an agency, mandate ship, partnership, joint venture or any other form of collaboration, an employer/employee relationship or a franchisor/franchisee relationship. The Agreement consequently does not create any of the above.

7. Provision of Entertainment Webcam Services

7.1 The Performer is offering and selling the Entertainment Webcam Services to its customers which also means that the Performer has to comply with the applicable VAT rules in this respect as following from the decision of the European Court of Justice (ECLI:EU:C:2019:388).
7.2 SNV does not determine the price of the offered Entertainment Webcam Services.
7.3 Only a registered Performer can offer and sell his Entertainment Webcam Services on the Platform.
7.4 The Performer is responsible for the choice of classification under which the Entertainment Webcam Services are offered.
7.5 Actions and transactions are not approved and/or validated by SNV NV. The Performer is personally responsible for the legality of his/her actions and offered Entertainment Webcam Services.
7.6 You are supplying the Entertainment Webcam Services to the Users, who are your customers. If you and the User are based in the EU, article 54 of the EU VAT Directive 2006/112 is applicable. SNV NV is only a Platform and supplies you General Platform Services. If you are based in the EU article 44 and article 196 of the EU VAT Directive 2006/112 are applicable.
7.7 By selling your Entertainment Webcam Services via the Platform you are considered to be an entrepreneur. Depending on the applicable rules of your country of residence, you may or may not be obliged to charge VAT over your Entertainment Webcam Services rendered to the Users. We advise you to consult your local accountant to inform yourself about your particular VAT status in this respect. If your Entertainment Webcam Services are subject to VAT, you are personally responsible for your VAT declarations in this respect.

8. General Platform Fee

8.1 There is no charge for registering as a Performer on the Platform.
8.2 SNV renders the General Platform Services to the Performer against a General Platform Fee.
8.3 Performer hereby instructs ACW BV to deduct this General Platform Fee from the discharge payment made by Users to Performers for the Webcam Entertainment Services.
8.4 The amount of the Payment Transaction is based on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amount is retained by ACW BV to cover the payment of the invoices due by the Performer for the Payment Services and to cover the payment of the invoices due by the Performer for the General Platform Services.
8.5 The Performer has the right to download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Entertainment Webcam Service Fees as set out above.
8.6 SNV NV is entitled to change the General Platform Services Fee. The changes take effect on the date specified in the notification of such change. If, in the 14 days after this change, the Performer notifies SNV NV that he/she does not accept the changes in question, this Agreement will terminate immediately upon receipt of this notification.

9. Guarantees

9.1 Each party declares and guarantees that he/she/it is legally competent and authorised to sign this Agreement.
9.2 The Performer guarantees SNV that he/she is at least 18. If the legislation in the country of the Performer differs from this rule the Performer must be at least 21. For this purpose the Performer will supply a copy of a valid ID.
9.3 The Performer guarantees SNV that:
all the laws, regulations and bylaws that apply to the provision and sale of /his/her Entertainment Webcam Services;
all the laws, regulations and bylaws related to the Performer’s use of the General Platform Services;
(the rules resulting from) the General Platform Services Agreement.;
the national legislation of the country in which the Performer is located.
the Performer will pay all taxes, levies and commissions which will be due for the Performer in respect of the use of the Payment Services and/or the SNV Platform and/or the use of the General Platform Services and/or the provision of the Entertainment Webcam Services to the User.
9.4 The Performer indemnifies and/or shall be liable for any damage sustained by SNV as a result of non-compliance with the stipulations of section 9.3 of the present article. The Performer cannot exculpate itself towards SNV by stating that the damage arose as a result of a violation by the Performer. The Performer shall be liable for its or its Performer's actions at all times.
9.5 SNV guarantees the Performer that the General Platform Services will be provided with reasonable care and professionalism.
9.6 SNV does not guarantee that the General Platform Services will meet all of the Performer’s requirements and will function uninterruptedly, be virus-free, safe or error-free.

10. Announcements and notification

10.1 Declarations, notifications and other announcements from SNV to the Performer can be made by post, email, via publications on the SNV Platform or by any other reasonable method.
10.2 The Performer agrees that SNV can send the Performer electronic messages that relate to the Performer’s use of the General Platform Service or any other matter.

12. Information and actions on the part of the Performer

12.1 The Performer – and not SNV - is responsible and liable for the information placed in the Performer Account as well as for the Performer's Profile and the Performer’s Name.
12.2 The information as mentioned in article 12.1 and any actions on the part of the Performer and/or the Performer cannot:
a. be incorrect, inaccurate or misleading;
b. be insulting, threatening, damaging or defamatory;
c. infringe copyrights, privacy or other rights;
d. break the law or violate any other regulations;
e. breach public order and/or public morals;
f. be obscene or inappropriate or contain child pornography;
g. create liability for SNV or cause the (full or partial) loss of its services;
h. cause the SNV technical platform to suffer interruptions or damage, function less efficiently or be influenced in such a way that its effectiveness or functionality is in any way diminished.
12.3 The Performer gives SNV a non-exclusive, worldwide, uninterrupted, irrevocable, royalty-free and transferable (via several third parties) license to exercise the copyrights, trademarks, publicity and database rights with respect to the Information (always including pictures, videos and online images) the Performer has placed on known and as of yet unknown media, to the extent that this is necessary to provide its General Platform Service to the Performer.
12.5 Any claim that a Performer may have, by a right in law or statute, by the Performer's failure of execution under this Performer Agreement, shall be safeguarded against SNV and the Performer shall indemnify SNV against all costs of such claims.
12.6 The Performer is not allowed to provide any personal information (including name, address, telephone number, e-mail address, social media accounts, etc.) of the Performers to Third Parties or to attempt to obtain such information from Third Parties in any way.

13. Fraud, money laundering and terrorism financing

13.1 Without prejudice to any other legal remedy, SNV can suspend or terminate the Performer's Account if actions on the part of the Performer cause SNV to reasonably suspect or give the impression that there is any form of involvement or association with fraudulent activities (fraud, money laundering and terrorism financing) on the SNV technical platform.
13.2 If the Performer commit(s) fraud or deliberately or as a result of gross negligence fails to comply with the stipulations of the Performer Agreement with respect to the Performer's Account, the Performer is liable for all loss suffered in relation to the unlawful transactions.
13.3. The Performer acknowledges that SNV may block the use of the Performer of the Platform when SNV reasonably suspects a case of fraud, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law. When SNV blocks the use of the Platform, the Performer is informed unless SNV is legally prevented from doing so.
13.4. In the event of suspected fraud, prohibited transactions or money laundering, or not complying with this Agreement, SNV may as a result declare the transaction to the relevant authorities without informing the Performer.

14. Violation of this Agreement

14.1 SNV has the right to send the Performer an immediate warning, suspend or terminate the Performer and/or Performer's Account temporarily or indefinitely and refuse to provide services to the Performer if:
a. the Performer and/or the Performer violate(s) this Agreement or the documents that form an integral part of this Agreement.
b. it proves impossible for SNV to verify the correctness of the information provided by the Performer.
c. SNV NV suspects that the Performer is engaged in, will be engaged in or is in any way involved or associated with fraudulent activities fraudulent activities, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law;
d. SNV feels that by his/her actions the Performer will or may cause damage to SNV.

15. Limitation of liability SNV

15.1 SNV can never be held liable for any direct or indirect damage or (consequential) loss, including but not limited to: any loss or falsification of data; loss of profits (suffered directly or indirectly);loss of turnover; loss of goodwill or reputation; loss of opportunity; or for indirect, incidental, additional or any other damage, irrespective of whether the loss or damage is attributable to any change SNV has made to the SNV Platform or the SNV Payment Service, or due to a permanent or temporary interruption in the SNV Platform or SNV Payment Service, and irrespective of any negligence or other cause.
15.2 SNV's liability to the Performer – irrespective of the circumstances – is in any case limited to the total of the amounts the Performer has received from SNV in the 3 months preceding the legal action that gives rise to the liability, with a maximum of €100.

16. Indemnity

16.1 The Performer will compensate SNV NV and protect SNV NV against any entitlement or claim whatsoever including reasonable solicitors’ fees on the part of a third party and that is attributable to or arises from a violation of this Agreement or the documents that form part of the Agreement for reference purposes, a violation of any law or regulation whatsoever or the infringement of the rights of a third party by the Performer.
16.2 If the Performer has an entitlement or claim against or a dispute with a User as a result of the use of the Platform, the Performer indemnifies SNV NV against any claims, liability, damage, loss, costs and fees, including legal fees, known or unknown, that are associated with such an entitlement, claim or dispute.

17. Announcements and notification

17.1 Declarations, notifications and other announcements from SNV NV to the Performer can be made by post, email, via publications on the Platform or by any other reasonable method.
17.2 All announcements intended for the Performer will in principle be sent to the email address the Performer provided to SNV NV upon Registration.

18. Termination of relationship with SNV

18.1 The Agreement will remain in place until such time as it is cancelled by the Performer or by SNV, as outlined below.
18.2 If the Performer wishes to terminate this Agreement with SNV the Performer can do so at any time and free of charge by closing the Performer’s Account.
18.3 SNV can terminate the Agreement with the Performer at any time without prior notice if:
a. the Performer has violated an essential stipulation of the Agreement or has made it clear by his/her actions that he/she does not intend to comply or is not capable of complying with the essential stipulations of the Agreement; or
b. SNV is legally obliged to do so.
18.4 The termination of this Agreement does not affect the legal rights, obligations and responsibilities the Performer and SNV have used, that have applied to the relationship between the Performer and SNV, or that arose in the period that the Agreement was in effect or for which it is stipulated that they remain valid for an indefinite period.
18.5 Upon termination of this Agreement or any other termination of the use of the General Platform Service by the Performer the Performer remains responsible for all cancellations and recovery costs.

19. Applicable law

19.1 Netherlands Antilles law applies to this Agreement. Any disputes that arise or may arise between the Performer and SNV as a result of this Agreement or subsequent agreements or other actions in relation to this Agreement will be settled by the competent courts in Curacao.
19.2 This Agreement is drawn up in the English language. In the event of a conflict between the English version of this Agreement and a version in another language, the English version will prevail.

20. Other

20.1 The General Platform Services referred to in this Agreement are supplied by SNV or by an Affiliate under a contract in this respect with .
20.2 The Performer agrees that SNV can freely and by operation of law transfer the rights and obligations arising from this Agreement and from all the documents that apply for reference purposes in the event of a merger, division, takeover or other restructuring.
20.3 The titles of the various sections of this Agreement are indicative only and do not necessarily give an exact indication of the content of the articles to which they refer.
20.4 If SNV fails to act in respect of a violation of this Agreement by the Performer or by others SNV does not automatically waive the right to act in respect of later or similar violations.
20.5 If SNV does not exercise or enforce a legal right or legal remedy referred to in this Agreement (or to which SNV is entitled in accordance with the applicable law) this cannot be considered a waiver of the rights of SNV. Neither can it be considered a waiver of the right to act in respect of later or similar violations. SNV can and may always use its rights or legal remedies.
20.6 The provisions in the following articles: ‘10. Announcements and notification’, ‘12. Information and actions on the part of the Performer’, ‘15. Limitation of liability SNV NV’, ‘16. Indemnity’, ‘19. Applicable law’ and ‘ 20. Other’ and any other provision insofar as applicable continue to exist after the termination or expiry of this Agreement.
20.7 This Agreement, accompanied by the documents and Policy Rules included for reference purposes, constitutes the entire agreement between the Performer and SNV.

Privacy Statement of Users

25 May 2018 updated 21th of November 2019

Data protection is of a particularly high priority for our company. During the processing we conform to the requirements of the applicable data protection legislation, notably the EU General Data Protection Regulation (GDPR). This means we:
• clearly specify our purposes before we process personal data, by using this Privacy Statement;
• limit our collection of personal data to only the personal data needed for legitimate purposes;
• first ask for explicit permission to process your personal data in cases where your permission is required;
• take appropriate security measures to protect your personal data and we demand the same from parties who process personal data on our behalf;
• respect your right to inspect, correct or delete your personal data held by us.

 is the party responsible for all data processing. In this privacy statement, we will explain which personal data we collect and for which purposes. We recommend that you read it carefully.

Registration

Certain features in connection with your use of the Platform of require you to register beforehand. You will have to provide some information about yourself and choose a user name and password for the account that we will set up for you. For this purpose, we use your name and address details, phone number, invoice address, email address, payment details and nickname. We need this data because of your use of the Platform. We store this information until you close your account. We will retain this data so that you do not have to re-enter it every time you visit our Platform, and in order to contact you in connection with your use of the Platform and to provide an overview of the services you bought on the Platform from third parties.

Ewallet load

Via the Platform you can load credit in your Ewallet to buy services from other parties. This requires certain personal information. We share this with the payment providers to facilitate Ewallet loads.
For this purpose, we use your name and address details, invoice address, email address and payment details. We need this data because your use of the Platform. We store this information during the legal retention period imposed by the tax regulator.

Promotion

We can inform you about new products or services to be purchased via the Platform, through our newsletter. You can object at all times against this promotional communication. Every e-mail contains a cancellation link.
The consent to the data storage of personal data, which you have given for the newsletter, may be revoked at any time. For the purpose of revocation of consent, a corresponding link is found in each newsletter. It is also possible to unsubscribe from the newsletter any time directly on the Platform.

Advertisements

Our Platform shows generic advertisements. We do not collect personal data for this purpose.

Cookies

The Platform uses cookies. Cookies are text files that are stored in a computer system via an Internet browser. We do this to improve the functioning of our Platform and the websites linked to it and to recognize you during multiple visits. This way, you do not have to log in every time and we remember important settings and preferences. We do not share cookie data with third parties and do not target advertisements based on cookies.
You can disable cookies through your browser settings but this may render some functionality unusable.

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POLITICI, CONTROALE ȘI PROCEDURI DE COMBATERE A SPĂLĂRII DE BANI/KYC

DOCUMENT ACTUALIZAT PE DATA DE 3 DECEMBRIE 2019

, ca membru al Grupului AC, va acționa, de asemenea, în conformitate cu prezenta Politică de Reglementări, conform acestei declarații prvind politica grupului AML/KYC.
Politica Grupului AC este ca toți membrii personalului, la toate nivelele, să participe activ în prevenirea exploatării serviciilor Grupului AC de către criminali și teroriști în scopuri de spălare de bani. Participarea are ca obiective:

  • asigurarea respectării de către Grupul AC a tuturor legilor aplicabile, instrumentelor normative de reglementare și cerințelor autorității de supraveghere a Grupului AC
  • protejarea Grupului AC și a tuturor membrilor personalului ca persoane individuale împotriva riscurilor asociate cu încălcarea legii, reglementărilor și cerințelor autorității de supraveghere
  • menținerea imaginii Grupului AC și prevenirea riscului de atingere a reputației prezentat de implicarea în activități de spălare de bani și terorism financiar
  • activități care contribuie pozitiv în combaterea criminalității și terorismului.

Pentru realizarea acestor obiective, politica Grupului AC prevede ca:

  • fiecare membru al personalului să își îndeplinească obligațiile conform rolului și poziției în cadrul Grupului AC
  • nici considerentele comerciale, nici loialitatea față de Utilizatorii Platformei nu vor avea prioritate față de angajamentul Grupului AC de a combate activitățile de spălare de bani
  • Grupul AC va desemna un expert unic, care va fi responsabil cu respectarea politicii de combatere a spălării de bani (Ofițer AC desemnat). Grupul AC va notifica autoritatea de supraveghere (dacă este aplicabil) și va furniza numele directorului responsabil al Grupului AC
  • Grupul AC va desemna un Ofițer de Raportare a Spălării de Bani (MLRO). Grupul AC va desemna un adjuct care va prelua responsabilitățile în cazul absenței MLRO. MLRO și adjunctul vor beneficia de toată asistența și cooperarea tuturor membrilor personalului în îndeplinirea atribuțiilor sarcinilor acestora
  • Grupul AC va efectua la nivelul întregii afaceri o evaluare a riscurilor de spălare de bani și terorism financiar la care este supus Grupul AC și va formula și implementa controale corespunzătoare pentru diminuarea și gestionarea eficientă a riscurilor identificate
  • Grupul AC va stabili și menține politicile și procedurile documentate, proporționale, inclusiv controale, care subliniază acțiunilor pozitive ale personalului pentru prevenirea spălării de bani și terorismului financiar în cursul desfășurării activității. MLRO va revizui aceste activități pentru a asigura caracterul continuu și corespunzător al acestora.

POLITICA ȘI PROCEDURA DE EVALUARE A RISCULUI DE SPĂLARE DE BANI

POLITICĂ

Politica Grupului AC este de a identifica și evalua riscurile spălării de bani și terorismului financiar reprezentat de afacerea pe care o desfășurăm, pentru a diminua riscul prin aplicarea nivelelor corespunzătoare persoanelor și companii care utilizează platforma, conform utilizării acesteia de către compania (Utilizatorii Platformei). Utilizatorii platformei sunt, de asemenea, numiți Furnizori de Servicii, și anume, Studioul și Modelul cu care compania a încheiat un Contract Studio, respectiv, Contract Model. Modelul este, de asemenea, denumit ”Executant”. Acești Furnizori de Servicii oferă și comercializează servicii clienților (Utilizatorilor) pe Platforma SNV.

CONTROALE ȘI PROCEDURI

  1. Grupul AC va evalua riscul de spălare de bani, resprezentat de Utilizatorii Platformei și de afacerea desfășurată, comform următoarelor trei nivele:
    • nivelul cu care Grupul AC se confruntă în mod normal, care impune adoptarea de către Grupul AC a unui nivel normal de verificare prealabilă a clienților
    • un nivel excepțional de ridicat de risc care necesită un nivel crescut de verificare prealabilă a clienților
    • un nivel neglijabil de risc care necesită doar verificarea prealabilă simplificată.
  2. Grupul AC va identifica și menține lista factorilor de risc (inclusiv a celor impuși de Reglementări) asociați Utilizatorilor Platformei, produselor sau serviciilor, tranzacțiilor, canalelor de livrare și zonelor geografice de operare.
  3. Grupul AC va evalua nivelul de risc asociat cu acești factori prin analizarea indicatorilor, inclusiv:
    • caracteristicile Utilizatorilor Platformei (individuali sau corporativi, statut, locație, ocupație)
    • scopul conturilor sau angajamentelor, nivelul activelor și tranzacțiilor
    • regularitatea sau durata relațiilor de afaceri.
  4. Grupul AC va actualiza anual evaluarea riscului pentru a asigura că riscurile noi și emergente sunt adresate și că reflectă informații noi, furnizate de autoritatea noastră de supraveghere.
  5. Grupul AC va menține actualizată o evidență în scris a tuturor măsurilor luate și va furniza o evaluare de risc și informațiile care stau la baza acesteia.
  6. Riscul spălării de bani și terorismului financiar reprezentat de fiecare Utilizator al Platformei va fi evaluat:
    • în timpul procesului de acceptare a unui nou Utilizator pe Platformă (KYC), înainte de efectuarea oricărei activități.
    • oricând procesul de monitorizare continuă implementat de Grupul AC indică o schimbare în afacerea sau mediul de operare al unui Utilizator obișnuit al Platformei care poate reprezenta o schimbare în riscul de spălare de bani.
  7. Evaluarea riscului asociată Utilizatorului Platformei va fi efectuată de ofițerul responsabil AC, care va determina măsurile coresponzătoare de verificare cu privire la fiecare Utilizator al Platformei, pe baza:
    • Evaluării riscului întregii afaceri a Grupului AC
    • Evaluării nivelului de risc care apare în fiecare caz particular.
  8. Este necesară ținerea unei evidențe a evaluării relațiilor individuale ale Utilizatorului Platformei, care să confirme că evaluarea de risc a întregii afaceri a Grupului AC a fost luată în considerare și orice alți factori relevanți au fost, de asemenea, luați în considerare.

POLITICA ȘI PROCEDURA DE VERIFICARE A IDENTITĂȚII UTILIZATORILOR PLATFORMEI (KYC)

POLITICĂ

Politica Grupului AC este de a verifica identitatea tuturor Utilizatorilor Platformei pentru a asigura că procedurile reflectă caracteristicile de risc ale Utilizatorului Platformei. La deschiderea unui cont pe Grupul AC, toți Utilizatorii Platformei vor fi verificați pe baza următoarelor proceduri.

A. CONTROALE ȘI PROCEDURI PENTRU UTILIZAREA PLATFORMEI (SNV)

Utilizatorii Platformei care oferă și comercializează servicii pe Platforma SNV – Modele și Studiouri – care acționează sub forma unei entități corporative trebuie să furnizeze următoarele informații:

  • Nume Companie
  • Număr oficial de înregistrare
  • Formă socială
  • Țara sediilor
  • Adresa sediilor
  • Dacă este cazul, număr TVA intracomunitar
  • Adresă de corespondență de contact
  • Număr de telefon
  • Toate informațiile despre beneficiarii efectivi.

Ofițerul AC responsabil va verifica încorporarea (dacă este aplicabil) și înregistrarea Utilizatorului Platfomei și va lua toate măsurile necesare pentru a determina care sunt beneficiarii principali efectivi, iar persoanelele cu control semnificativ și identitățile acestora vor fi verificare conform acestei proceduri.

B. Utilizatorii Platformei care oferă și comercializează servicii pe Platforma SNV – Modelele și Studiourile – care nu activează sub forma unei entități corporative, vor furniza următoarele informații:

  • Numele sau identitatea Studioului/Modelului non-individual
  • Țara de rezidență
  • Adresa
  • Numărul de telefon și adresa de corespondență de contact
  • O exonerare prin care se declară obligațiile de achitare a oricăror taxe și o declarație prin care se atestă că acționează ca o entitate non-legală în țara sa (micro-întreprinderi).
Verificarea identității
  1. Membrul personalului care efectuează verificarea identității va finaliza procesul verificând ca Studioul/Modelul nu fac obiectul sancțiunilor sau altor măsuri normative, utilizând metode de depistare stabilite de MLRO. (Lista neagră de teroriști internaționali, verificare prin SMS telefonic).
  2. Pentru Studio/Model, verificările de identitate vor fi efectuate prin examinarea:
    • unui document cu fotografie care confirmă numele Managerului Studioului/ Modelului, precum pașaport valid
    • unei fotografii cu un anumit document de identitate alături de față
    • unui document care să confirme adresa Managerului Studiului/ Modelului, precum o factură de utilități (mai recentă de 3 luni, nu sunt admise facturi de telefon mobil). Acest document este solicitat chiar și în cazul în care documentul care confirmă numele afișează și adresa. MLRO al Grupului AC va prezenta o listă cu documente sau informații acceptabile, obținute din surse de încredere, independente de Studio/Model:
    • doar copia color HD a documentului va fi acceptată pentru examinare.
    • este necesară evaluarea de risc prealabilă a surselor de informații deținute electronic.
  3. În cazurile în care un Utilizator al Platformei nu poate furniza unul dintre documentele acceptabile, Ofițerul AC responsabil va lua decizia de evaluare a riscului cu privire la acceptarea documentelor disponibile, consultând MLRO, dacă este cazul.
  4. În cazul în care Managerul Studioului/Modelul nu este rezident european sau nu va fi văzut în persoană (aceasta înseamnă via webcam) de membrul personalului care efectuează verificarea, Ofițerul AC responsabil va lua decizia de evaluare a riscului cu privire la măsurile de verificare care pot fi acceptate, consultând MLRO, dacă este cazul.
Verificarea beneficiarului efectiv
  1. În cazul în care Modelul nu este beneficiarul efectic al activelor implicate, Ofițerul AC responsabil va lua măsurile necesare pentru a determina care este beneficiarul efectiv și va lua măsuri rezonabile pentru a-i verifica identitatea, conform acestei proceduri.
  2. MLRO va pregăti un format de utilizare de către Ofițerul AC responsabil pentru solicitarea verificării identității și informațiilor despre beneficiarul efectiv de la Studio/Model și o procedură de monitorizare, atunci când solicitările nu sunt îndeplinite în perioada normativă.
  3. Dacă toate măsurile posibile de identificare a beneficiarului efectiv al unui Studio/Model non-individual au fost epuizate fără succes și înregistrate, Ofițerul AC responsabil va solicita aprobarea MLRO pentru a fi acordată pe baza unei evaluări a riscului, de a considera persoana cea mai în vârstă responsabilă cu gestionarea Studioului/Modelului non-individual drept beneficiar efectiv.
  4. În ceea ce privește beneficiarul(ii) efectiv(i) al(i) Studioului/Modelelor non-individuale, sunt necesare următoarele informații:
    • Titlu
    • Nume și prenume
    • Țara de rezidență
    • Adresa
    • Data nașterii
    • Țara de origine
    • Număr ID
    • Motivul pentru care individul este UBO (procent capital/proprietate direct sau indirect etc.)
  5. În cazul în care Utilizatorul Platformei este o companie listată sau o firmă reglementată, Ofițerul AC reponsabil va verifica dacă Utilizatorul Platformei este înregistrat corespunzător și dacă persoana cu care Grupul AC interacționează este autorizată să acționeze în numele Utilizatorilor Platformei și va verifica identitatea acelei persoane conform acestei proceduri, precum și identitatea Studioului/Modelului non-individual.
  6. În toate cazurile evaluate care prezintă un risc mai mare de spălare de bani, în care este necesară verificarea prealabilă amănunțită a Utilizatorului Platformei, Ofițerul AC reponsabil va consulta MLRO pentru a decide măsurile suplimentare de verificare a identității Utilizatorului Platformei.
  7. Toate procesele de verificare a identității, precum și acțiunile luate pentru verificarea identității Studiourilor/Modelelor non-individuale vor fi înregistrate. Aceasta va include păstrarea fotocopiilor tuturor documentelor furnizare și schimburilor de corespondență prin e-mail.
  8. Atât în cazul Studioului/Modelului individual, cât și non-individual, Ofițerul AC reponsabil va colecta informații de referință despre contul bancar al Studioului/Modelului respectiv.
    • Bic sau IBAN
    • Numele instituției în care este deținut contul
    • Adresa instituției respective
  9. Atât în cazul Modelelor/ Studiourilor individuale, cât și al beneficiarilor efectivi ai Modelelor/Studiurilor, se va monitoriza dacă o astfel de persoană poate fi considerată ”persoană expusă din punct de vedere politic”. La deschiderea unui cont, vor fi adresate următoarele întrebări:
    • Sunteți o persoană expusă din punct de vedere politic, mai exact, sunteți un individ căruia îi este sau i-a fost încredințată o funție proeminentă?  D/N
    • Sunteți asociat(ă) cu o astfel de persoană (familie, asociat apropiat)? D/N
    • Dacă da, vă rugăm să indicați numele și funția persoanei care justifică acest statut.

POLITICA ȘI PROCEDURA PENTRU CUNOAȘTEREA AFACERII UTILIZATORULUI PLATFORMEI CA PARTE A VERIFICĂRII PREALABILE A CLIENTULUI (CDD)

POLITICĂ

Politica Grupului AC este de a obține informații care permit evaluarea scopului și caracterului intenționat a fiecărei relații a Utilizatorului Platformei cu Grupul AC. Aceste informații Cunoaște Afacerea Clientului vor permite Grupului AC să mențină procesul continuu de avaluare a riscului, și să observe schimbări sau anomalii în interațiunile Utilizatorului Platformei care ar putea indica activități de spălare de bani.
Politica Grupului AC este de a nu oferi servicii sau de a înceta furnizarea serviciilor sale pe platformă, dacă nu se poate obține o înțelegere satisfăcătoare a naturii și scopului afacerii Utilizatorului Platformei.

CONTROALE ȘI PROCEDURI (managementul securității conform prevederilor documentului ”Politică AML și Instrumente Fraudă”)

  1. Ofițerul AC responsabil va obține informații privind Cunoaște Afacerea Clientului Tău de la Studio/Modele (atât individuale, cât și non-individuale) pe platformă:
    • la acceptarea de către Studio/Modele a oricărei schimbări semnificative în contractele Studio/Model, precum mărimea sau frecvența tranzacțiilor, caracterul afacerii desfășurate, implicarea în noi părți sau jurisdicții ca exercițiu continuu prin relația cu Utilizatorul Platformei.
  2. Informațiile Cunoaște Afacerea Clientului Tău despre Utilizatorii Platformei vor include, dar fără a se limita la:
    • scopul sau necesitatea și justificarea afacerii privind serviciile pe care Utilizatorul Platformei le vinde pe platformă ca Studio/Model Utilizatorilor și prin utilizarea portofelului electronic pentru plățile Utilizatorilor Platformei.
    • proveniența fondurilor sau activelor implicate în vânzările Utilizatorului Platformei.
    • natura, mărimea, frecvența, sursa și destinația tranzacțiilor anticipate ale Studioului/Modelului (volumul și destinația tranzacțiilor)
    • justificarea afacerii pentru toate utilizările structurilor și entităților (dacă este aplicabil)
    • contrapărțile și jurisdicțiile în cauză.
  3. Informațiile vor fi obținute prin adresarea întrebărilor pertinenete Utilizatorului Platformei, iar răspunsurile oferite de Utilizatorul Platformei vor fi verificate, acolo unde este posibil, în cursul desfășurării normale a relațiilor (chestionar Utilizator Platformă).
  4. Informațiile furnizare de către Utilizatorul Platformei vor fi înregistrate în contul Utilizatorului Platformei, pentru a asista la monitorizarea viitoare a relației Utilizatorului Platfomei (Steag pe monitorizarea contului).
  5. Răspunsurile care nu sunt ușor de verificat vor fi, în orice caz, analizate împreună cu alte detalii cunoscute despre sau oferite de Utilizatorul Platformei pentru a verifica dacă toate datele sunt consistente și plauzibile.
  6. În cazul în care răspunsurile oferite de Utilizatorul Platformei sunt neplauzibile sau inconsistente cu alte informații, sau în cazul în care Utilizatorul Platformei nu dorește să ofere răspunsuri satisfăcătoare la întrebările de verificare prealabilă, Ofițerul AC responsabil va lua în considerare dacă Grupul AC ar trebui să înceapă sau să înceteze relația de afaceri.
  7. Informațiile Cunoaște Afacerea Clientului Tău sau lipsa acestora vor fi luate în considerare de tot personalul atunci când se evaluează motivele posible pentru a suspecta activități de spălare de bani.

POLITICA ȘI PROCEDURA DE MONITORIZARE CONTINUĂ A UTILIZATORILOR PLATFORMEI

Grupul AC va monitoriza în orice moment următoarele evenimente și va solicita o explicație satisfăcătoare:

  • Schimbarea datelor bancare
  • Schimbarea locației
  • În ceea ce privește Studiourile/Modelele non-individuale: Schimbare în management/schimbarea benefiarului efectiv

Auditurile vor fi efectuate la data aniversară, adică data la care Studioul/Modelul s-a înregistrat pe platformă. O alertă va notifica echipa atunci când este necesară efectuarea controalelor.

Consecința acestor audituri poate fi luarea unor măsuri adiționale (solicitarea unor documente adiționale, verificări adiționale, etc.), care trebuie documentate în dosarul Utilizatorilor Platformei (care conține date, documente justificative, informații de monitorizare AML).

Aceste audituri pot duce, de asemenea, la o nouă evaluare a nivelului de verifiare aplicat Utilizatorului Platformei, chiar până la terminarea relației de afaceri. O astfel de decizie poate fi luată de deținătorul Grupului AC, la consilierea MLRO și a persoanei responsabile cu controlul intern.

POLITICA ȘI PROCEDURA DE MENȚINERE A ÎNREGISTRĂRILOR VERIFICĂRILOR UTILIZATORILOR PLATFORMEI

POLITICĂ

Politica Grupului AC este de a stabili și menține sisteme pentru păstarea înregistrărilor investigațiilor efectuate și informațiilor obținute prin verificările Utilizatorilor Platformei cu scop AML, și de a se asigura că aceste înregistrări sunt accesabile, conform prevederilor legale și de reglementare. Aceste înregistrări vor include, dar fără a se limita la detalii înregistrate în scopuri de contabilitate și de dezvoltare a afacerii.

CONTROALE ȘI PROCEDURI

  1. La colectarea informațiilor privind Utilizatorul Platformei AML, Ofițerul AC responsabil se va asigura că:
    • informațiile colectate sunt înregistrate într-un mod consistent în contul Utilizatorului Platformei sau în alt loc corespunzător, și că înregistrările păstrate în locuri diferite sunt examinate încrucișat, acolo unde este cazul, pentru ca infomațiile să fie accesibile și comprehensibile pentru alți membri autorizați ai personalului, inclusiv MLRO.
    • vor fi înregistate toate cazurile în care informațiile solicitate nu au fost furnizate sau explicațiile furnizate nu au fost satisfăcătoare.
  2. Grupul AC va avea sisteme pentru arhivarea, în mod obișnuit, a înregistrărilor, împreună cu înregistrările de contabilitate ale Grupului AC pentru a asigura disponibilitatea acestora pentru un minumin de cerințe legale de la data finalizării tranzacției sau a investigației.
  3. Grupul AC va avea sisteme de recuperare a datelor care vor facilita recuperarea completă și rapidă a tuturor înregistrărilor relevante de către personalul autorizat pentru a răspunde complet anchetelor efectuate de autoritățile financiare.
  4. Grupul AC va implementa proceduri care să asigure că orice date cu caracter personal obținute sunt procesate doar în scopuri de prevenire a activităților de spălare de bani și terorism financiar.
  5. Fiecare document și informație colectată la deschiderea contului, cu privire la identitatea Studioului/Modelului, dacă este aplicabil, beneficiarului efectiv (UBO), precum și toate informațiile colectate în timpul relației de afaceri, trebuie păstrate timp de 5 ani de la data închiderii contului. În plus, în fiecare an, istoricul tuturor tranzacțiilor efectuate de la începutul anului trebuie păstrate timp de 5 ani. Grupul AC păstrează toate documentele cu date rezultate din relația de afaceri cu Studioul/Modelul prin arhivarea acestora, conform condițiilor și metodelor care garantează integritatea acestora, pe un suport permanent, respectând Regulamentul General privind Protecția Datelor (GDPR).
  6. Grupul AC va oferi noilor Utilizatori ai Platformei următoarele informații, înainte de înregistrarea pe Platforma SNV:
    • o declarație conform căreia toate datele cu caracter personal primite la înregistrare vor fi procesate doar în scopul prevenirii activităților de spălare de bani și terorismului financiar. (GDPR)
  7. Grupul AC va implementa o procedură pentru a identifica datele cu caracter personal relevante pentru ștergere la sfârșitul perioadei legale de păstrare a datelor, cu excepția cazurilor în care:
    • acestea sunt necesare în proceduri judiciare
    • persoana vizată a oferit consimțământul expres pentru păstrarea datelor respective.
  8. Pentru conturile înregistrate pe Platforma SNV care au făcut obiectul unui raport de suspiciune, se vor recupera separat înregistrările relevante din arhivele obișnuite ale Grupului AC, și nu vor fi distruse, chiar și după ce perioada legală de păstrare a datelor a expirat, fără confirmarea din partea MLRO că acestea nu mai sunt necesare ca parte a unei investigații.

POLITICA ȘI PROCEDURA PENTRU RAPORTAREA INTERNĂ DE SUSPICIUNI

POLITICĂ

Politica Grupului AC este ca fiecare membru al personalului să rămână vigilent în ceea ce privește activitățile de spălare de bani și să raporteze orice și fiecare suspiciune pentru care există motive rezonabile, conform procedurii Grupului AC.
Expectativele pentru fiecare membru individual al personalului de a răspunde eventualelor suspiciuni va fi adecvată poziției sale în Grupul AC. Nu se așteaptă de la nimeni o perspectivă sau înțelegere mai mare decât este adecvat rolului său.

CONTROALE ȘI PROCEDURI

  1. Fiecare membru al personalului trebuie să rămână vigilent la posibilitatea ca serviciile Grupului AC să fie utilizate în scopuri de spălare de bani sau ca în cursul activității sale să descopere proprietăți criminale sau teroriste.
  2. Vigilența la posibilitatea unor activități de spălare de bani trebuie combinată cu cunoștințele necesare despre activitățile normale ale Utilizatorului Platformei pentru ca membrii personalului să poată identifica factorii anormali care pot reprezenta cauze posibile de suspiciune.
  3. Un membru al personalului care ia la cunoștință o posibilă suspiciune, va colecta informațiile relevante, disponibile și va decide dacă există motive rezonabile pentru a suspecta o activitate de spălare de bani. Orice informație suplimentară obținută și, în special, orice explicații privind instrucțiuni sau tranzacții neobișnuite, vor fi înregistrate în conturile înregistrate pe platformă în mod obișnuit, însă nicio mențiune a suspiciunii de spălare de bani nu va fi înregistrată în aceste conturi.
  4. Cerința de a colecta informații relevante nu se extinde la cercetare sau investigație, dincolo de utilizarea surselor de informații disponibile în cadrul Grupului AC.
  5. Dacă după colectarea și analizarea informațiilor disponibile în mod obișnuit, membrul personalului are certitudinea că nu sunt prezente motive rezonabile de suspiciune, nu se vor lua măsuri ulterioare.
  6. Un membru al personalului care decide, pe baza analizei informațiilor colectate, că ar putea exista motive de suspiciune, în condiții normale, va aduce problema în atenția Ofițerului AC responsabil. Dacă, în urma discuției, ambii sunt de acord că nu există motive de suspiciune, nu se vor lua măsuri ulterioare.
  7. Niciun membru al personalului nu este obligat să discute o suspiciune de spălare de bani cu Ofițerul AC responsabil. Aceștia pot contacta direct MLRO, fără a oferi un motiv.
  8. Dacă în urma unei posibile suspiciuni a unui membru al personalului, sau ca rezultat al propriilor observații, Ofițerul AC responsabil decide că există motive rezonabile pentru a suspecta activități de spălare de bani, acesta poate trimite un raport de suspiciune către MLRO, sub formatul specificat de MLRO în acest scop.
  9. Un raport de suspiciune internă nu duce la încălcarea confidențialității, și niciun membru al personalului nu va omite să întocmească un raport intern din acest motiv.
  10. Dacă un raport de suspiciune rezultă dintr-o chestiune ridicată de un membru al personalului de suport, Ofițerul AC responsabil trebuie să ofere asistență în scris că un raport a fost trimis cu referire la chestiunea discutată pe o anumită dată, fără a include numele persoanei(lor) suspectate. Aceasta confirmă membrului personalului care a ridicat chestiunea că obligațiile legale de a raporta au fost îndeplinite. (format procedură de raportare)
  11. În cazurile în care orice membru al personalului formulează o suspiciune de activitate de spălare de bani, dar Ofițerul AC responsabil nu este de acord că există motive rezonabile de suspiciune, membrul personalului care formulează suspiciunea trebuie să-și îndeplinească obligația legală de a trimite un raport de suspiciune de activitate de spălare de bani către MLRO, în formatul specificat de MLRO în acest scop. Ofițerul AC responsabil trebuie să recunoască această cerință legală și să asiste membrul personalului în îndeplinirea cerinței.
  12. Un membru al personalului care formulează sau ia la cunoștință o suspiciune de activitate de spălare de bani nu va discuta despre aceasta cu nicio parte externă sau cu un alt membru al personalului, cu excepția cazului în care acesta este implicat direct în chestiunea care cauzează motive de suspiciune.
  13. Niciun membru al personalului nu va divulga, în niciun moment, suspiciunea de spălare de bani persoanei suspectate (inclusiv o parte externă). Dacă apar aspecte care ar putea provoca dificultăți, membrul personalului trebuie să solicite și să urmeze instrucțiunile MLRO.
  14. Nu se vor întocmi copii sau înregistrări pentru rapoartele de suspiciune de spălare de bani, cu excepția celor întocmite de MLRO, care va păstra aceste înregistrări securizate și separat față de conturile Utilizatorilor Platformei Grupului AC și alte registre de informații.

POLITICA ȘI PROCEDURA DE DIVULGARE FORMALĂ CĂTRE AUTORITĂȚI

POLICĂ

Politica Grupului AC este ca Ofițerul de Raportare a Spălării de Bani (sau, în caz de absență, adjunctul MLRO) va primi și evalua rapoarte interne de suspiciune și va decide dacă este necesară divulgarea formală a acestora către autorități. În cazul în care se decide acest lucru, MLRO va formula un raport formal de divulgare în numele Grupului AC, utilizând mecanismul corespunzător.

CONTROALE ȘI PROCEDURI

  1. La primirea unui raport de suspiciune de spălare de bani din partea unui membru al personalului, MLRO va confirma primirea raportului în scris, cu data și numărul unic de dosar incluse în referințele raportului, fără a include numele persoanei(lor) suspectate. Aceasta va confirma membrului personalului că obligația legală de raportare a fost îndeplinită.
  2. MLRO va începe și menține un jurnal al progresului raportului. Acest jurnal va fi securizat și nu va fi inclus în contul Utilizatorului Platformei.
  3. Ca urmare a primirii unui raport, MLRO va colecta toate informațiile relevante deținute de Grupul AC și va efectua toate verificările necesare ale membrilor personalului oriunde în cadrul grupului AC pentru a evalua corespunzător raportul. MLRO va decide apoi dacă există motive rezonabile de suspiciune și va lua o decizie privind obligația Grupului AC de a întocmi un raport formal de divulgare către autorități.
  4. Înainte de întocmirea efectivă a raportului formal de divulgare către autorități, MLRO va solicta sfatul deținătorului Grupului AC. Deținătorul Grupului AC va lua decizia finală privind necesitatea de întocmire a raportului formal de divulgare către autorități.
  5. Toți membrii personalului, oriunde în cadrul Grupului AC, vor răspunde tuturor întrebărilor adresate de către MLRO în scopul evaluării raportului de suspiciune. Informațiile oferite de MLRO ca răspuns la aceste întrebări nu încalcă prevederile politicii de confidențialitate/profesionale și niciun membru al personalului nu va omite să ofere informații din acest motiv.
  6. Dacă se decide că un raport formal de divulgare este necesar, MLRO va întocmi un astfel de raport de divulgare prin mecanismele corespunzătoare.
  7. MLRO va documenta în jurnalul raportului motivele care stau la baza deciziei de a întocmi sau de a nu întocmi raportul formal de divulgare.
  8. MLRO va informa, unde este cazul, inițiatorul raportului intern dacă s-a întocmit sau nu un raport formal de divulgare.
  9. MLRO va informa toți membrii personalului și doar acei membrii ai personalului care este necesar să ia la cunoștință suspiciunea pentru a se proteja și pentru a proteja Grupul AC împotriva infracțiunilor de spălare de bani legate de orice afacere asociată.
  10. Ca urmare a divulgării formale, MLRO va lua măsurile solicitate de autorități privind divulgarea.

POLITICA ȘI PROCEDURA DE BLOCARE/CONTINUARE A CONTULUI ÎNREGISTRAT PE PLATFORMĂ ÎN URMA UNUI RAPORT DE SUSPICIUNE

POLITICĂ

Politica Grupului AC este ca din momentul apariției suspiciunii de spălare de bani, contul înregistrat să fie blocat. Considerentele comercile sau dificultățile cauzate de întrebările persoanei înregistrate pe platformă despre blocarea contului său nu vor avea prioritate față de obligațiile legale ale Grupului AC în această privință.

CONTROALE ȘI PROCEDURI

  1. De îndată ce un membru al personalului formulează sau ia la cunoștință o suspiciune de activități de spălare de bani, contul înregistrat va fi blocat.
  2. Dacă există orice probabilitate de luare la cunoștință că un cont înregistrat a fost blocat, de exemplu, ca urmare a unei tranzacții anticipate nefinalizate, membrul personalului în cauză trebuie să contacteze MLRO pentru a solicita instrucțiuni privind abordarea problemei.
  3. La primirea unui raport de suspiciune, MLRO va instrui inițiatorul raportului și orice alt membru al personalului implicat să blocheze contul înregistrat care face obiectul suspiciunii.
  4. Atunci când un cont înregistrat este blocat, MLRO va evalua raportul de suspiciune cât mai repede posibil pentru a decide dacă este necesară divulgarea către autorități.
  5. Dacă MLRO decide că nu există motive rezonabile pentru a suspecta activități de spălare de bani, acesta va fi de acord cu continuarea contului înregistrat sub autoritatea acestuia.
  6. Dacă MLRO decide că este necesară divulgarea către autorități, acesta va solicita acordul de a continua din partea deținătorului Grupului AC cât mai repede posibil. Deținătorul Grupului AC va lua decizia finală cu privire la continurea contului înregistrat în numele Grupului AC.

POLITICA ȘI PROCEDURA DE INSTRUIRE ÎN COMBATEREA SPĂLĂRII DE BANI (AML)

POLITICĂ

Politica Grupului AC este ca recrutarea întregului personal nou să includă o evaluare, conform prevederilor secțiunii 48(2) din Reglementările Europene privind Spălarea de Bani. (sursă Directive Europene AML PDF 2018). Evaluarea va avea loc înainte de programare și la intervale regulate în timpul programării a întregului personal.
Politica Grupului AC este ca întregul personal care se ocupă de conturile înregistrate sau care accesează conturile înregistrate să primească instruire de combatere a activităților de spălare de bani pentru a asigura un nivel adecvat de cunoștințe și înțelegere, și instruire continuă, cel puțin anual, pentru a menține conștientizarea și pentru a asigura că obligațiile legale ale Grupului AC sunt îndeplinite.
Politica Grupului AC este ca întregul personal care se ocupă de conturile înregistrate sau care are acces la datele cu caracter personal ale unor astfel de conturi să primească instruire cu privire la legislația aplicabilă pentru protecția datelor pentru a asigura un nivel adecvat de cunoștințe și înțelegere, și instruire continuă, cel puțin anual, pentru a menține conștientizarea și pentru a asigura că obligațiile legale ale Grupului AC sunt îndeplinite.
MLRO, în cooperare cu ofițerul de instruire al Grupului AC și ofițerul responsabil cu protecția datelor, vor asigura că instruirea este disponibilă pentru întregul personal, conform expunerii acestuia la riscul de spălare de bani și protecție a datelor și că sunt luate măsuri de verificare și înregistrare că instruirea a fost efectuată și personalul a dobândit un nivel adecvat de cunoștințe și înțelegere.
Datorită seriozității obligațiilor individuale privind Legea și Reglementările și posibilele sancțiuni, MLRO se va asigura că informațiile despre aceste obligații individuale sunt disponibile tuturor membrilor personale în orice moment.
Obiectivele instruirii sunt de:

  • Dezvoltare a reflexelor de combatere a activităților de spălare de bani
  • Conștientizare a membrilor personalului pentru a își menține reflexele de combatere a activităților de spălare de bani
  • Actualizare a cunoștințelor colective și operaționale privind riscurile combaterii activităților de spălare de bani
  • Instruire a membrilor personalului de a identifica activități suspecte
  • Instruire a membrilor personalului pentru a formaliza noi tipuri de cazuri cu potențial de risc
  • Verificare a cunoștințelor privind procedurile și obligațiile ulterioare

Instruirea întregului personal nou este parte a procesului de integrare, sub responsabilitatea șefului de control intern. Șeful responsabil cu respectarea procedurilor va ține sesiunile de instruire. Sesiunile pot fi ținute prin conferință web.
Fișele de susținere și de prezență la instruire trebuie păstrate pentru cel puțin 5 ani de la plecarea unui anumit colaborator.

CONTROALE ȘI PROCEDURI

  1. În urma programării, evaluarea personalului conform secțiunii 48(2) din Reglementările Europene privind Spălarea de Bani va fi încorporată în procesul de evaluare obișnuit al personalului Grupului AC.
  2. MLRO, în cooperare cu ofițerul de instruire al Grupului AC, va evalua metodele, produsele și serviciile alternative de instruire în combaterea activităților de spălare de bani pentru a implementa activități adecvate de instruire disponibile tuturor membrilor personalului care se ocupă de conturile înregistrate.
  3. Instruirea adecvată va lua în considerare:
    • necesitatea de a obține un nivel corespunzător de cunoștințe și înțelegere a rolului individual în cadrul Grupului AC
    • necesitatea de a menține un nivel corespunzător prin sesiuni de instruire continue pentru reîmprospătarea cunoștințelor
    • practicabilitatea desemnării unor programe diferite personalului cu roluri diferite pe bază de risc
    • costul și eficiența ca timp a metodelor alternative și canalelor media disponibile.
  4. Programul de instruire va include metode de confirmare că fiecare individ a obținut un nivel corespunzător de cunoștințe și înțelegere, fie prin testare formală, evaluare prin discuții informale, sau alte metode.
  5. O considerație specială va fi acordată necesităților de instruire a membrilor managementului superior și a echipei de conformitate.
  6. MLRO va:
    • informa fiecare membru al personalului despre programul de instruire pe care are obligația să-l urmeze și intervalul de timp pentru finalizarea acestuia
    • verifica dacă fiecare membru al personalului a finalizat programul desemnat de instruire, prin trimiterea de notificări celor care nu au finalizat programul de instruire în intervalul de timp stabilit
    • trimite deținătorului Grupului AC cazurile în care membrii personalului nu răspund la notificări și nu au finalizat programul desemnat de instruire
    • păstra evidența instruirii finalizate, inclusiv a rezultatelor testelor și a altor evaluări care demonstrează că fiecare membru al personalului a obținut un nivel corespunzător de competență La finalizarea ciclului de instruire, MLRO va asigura continuitatea instruirii, luând, de asemenea, în considerare:
    • eficiența programului finalizat
    • necesitatea de a menține actualizate informațiile despre schimbările legislative și de reglementare
    • îndrumarea și practica.
  7. MLRO va determina necesitățile de instruire ale rolului său și se va asigura că obține cunoștințele și înțelegerea corespunzătoare, conform cerințelor pentru îndeplinirea obligațiilor desemnării.

POLITICA ȘI PROCEDURA DE MONITORIZARE ȘI MANAGEMENT AL CONFORMITĂȚII

POLITICĂ

Politica Grupului AC este de a monitoriza conformitatea cu cerințele legale și de reglementare privind combaterea activitățior de spălare de bani și de a efectua un audit independent de conformitate cu măsurile de combatere a activităților de spălare de bani anual, iar rezultatele acestora vor fi luate în considerare pentru a se stabili recomandări corespunzătoare de acțiune.
Deținătorul Grupului AC va desemna autoritatea și resursele necesare pentru implementarea continuă a regimului de conformitate privind măsurile de combatere a activităților de spălare de bani.

CONTROALE ȘI PROCEDURI

  1. MLRO va monitoriza continuu toate aspectele politicilor și procedurilor Grupului AC de combatere a activităților de spălare de bani, precum și schimbările și dezvoltările în mediul legal și de reglementare care poate avea un impact asupra evaluării de risc a afacerii Grupului AC. Orice deficiențe în respectarea măsurilor de combatere a activităților de spălare de bani care necesită rectificare urgentă vor fi soluționate imediat de către MLRO, care va raporta astfel de incidente deținătorului Grupului AC, atunci când este cazul, și va solicita orice suport necesar.
  2. MLRO va facilita și asista auditorul independent în efectuarea auditului anual al conformității măsurilor de combatere a activităților de spălare de bani ale Grupului AC. Acest raport va include:
    • un rezumat al profilului și vulnerabilităților Grupului AC privind riscul de spălare de bani, precum și informații despre metodele privind modificarea și evoluția acestora
    • un rezumat al oricăror schimbări în mediul(mediile) de reglementare în care operează Grupul AC și al modurilor în care Grupul AC este afectat
    • un rezumat al activităților de combatere a spălării de bani din cadrul Grupului AC, inclusiv numărul de rapoarte interne de suspiciune primite de MLRO și numărul de divulgări trimise autorităților
    • detaliile oricăror deficiențe de conformitate pentru care s-au luat măsuri, precum și rapoarte cu rezultatele obținute
    • detaliile oricăror deficiențe de conformitate pentru care s-au luat măsuri, precum și acțiunile recomandate și suportul de management necesar
    • o schiță a planurilor pentru dezvoltarea continuă a regimului de combatere a spălării de bani, inclusiv instuire continuă și activități de conștientizare a întregului personal relevant
  3. În cazurile unde sunt indicate măsuri manageriale, deținătorul Grupului AC va decide măsurile corespunzătoare care trebuie luate.
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