Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy

1. Introduction
Pixeldge Payment Technology Private Limited ("Pixeldge") operates as a Technology Service Provider offering AI-powered payment collections, UPI Pay-In infrastructure, and multi-bank reconciliation services to banks and financial institutions. Pixeldge is committed to preventing its platform from being used, knowingly or unknowingly, for money laundering, terrorist financing, or other financial crime, and aligns its practices with the standards expected of its banking partners.

2. Regulatory Commitment
This policy is framed with reference to the Prevention of Money Laundering Act, 2002 (PMLA), the RBI Master Direction on Know Your Customer (KYC), 2016, and applicable RBI guidelines on Payment Aggregators and Payment Gateways, to the extent relevant to Pixeldge's role.

3. Customer Identification
Before onboarding, Pixeldge collects and verifies identification documents for all customers, including government-issued ID and address proof for individuals, and incorporation certificates, PAN, GST registration, and beneficial ownership details for business entities.

4. Risk-Based Due Diligence
Customers are categorized by risk level based on business type, transaction volume, and geography. Higher-risk customers, including politically exposed persons (PEPs), are subject to enhanced due diligence, additional verification, and closer monitoring.

5. Ongoing Monitoring
Transactions are continuously monitored for patterns inconsistent with a customer's declared business profile. Customer information is periodically re-verified based on assigned risk level.

6. Sanctions Screening
All customers and beneficial owners are screened against applicable sanctions lists, including those maintained by the United Nations and Indian regulatory authorities, at onboarding and on an ongoing basis.

7. Suspicious Activity Reporting
Where suspicious activity is identified, it is escalated internally and, where warranted, reported to the appropriate authorities in coordination with partner financial institutions, in line with applicable law.

8. Record Keeping
Customer identification records and transaction data are retained for a minimum of five years, or as required under applicable law, and are made available to partner institutions or regulators upon lawful request.

9. Policy Review
This policy is reviewed periodically to reflect changes in regulatory requirements and business operations.