Walfiner is licensed and regulated by the Financial Services Regulatory Authority (FSRA) of Saint Lucia under license number No.2023-00518. This certification ensures our adherence to stringent regulatory standards, guaranteeing a secure and reliable trading environment for our clients. This regulatory oversight provides you with peace of mind, knowing that you are trading with a reputable and trustworthy broker.

Client funds are segregated from company funds in accordance with regulatory requirements. This means that your funds are held in separate accounts, away from the broker's operational funds, providing an additional layer of protection in the unlikely event of insolvency.

Walfiner is committed to complying with all applicable laws and regulations regarding Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures. Our policies are designed to prevent and detect any activity related to money laundering or terrorist financing.

1. Know Your Customer (KYC) Policy

To ensure compliance with KYC regulations, we implement the following procedures:

• Identity Verification: We require all clients to provide valid identification documents, such as a passport or driver's license, and proof of address, such as a utility bill or bank statement.
• Risk Assessment: We assess the risk profile of each client based on factors such as the nature of their business, transaction patterns, and geographic location.
• Ongoing Monitoring: We continuously monitor client transactions and activities to identify any unusual or suspicious behavior. Clients are required to update their information periodically.

2. Anti-Money Laundering (AML) Policy

Walfiner has established comprehensive AML policies to prevent the misuse of our services for money laundering purposes. Key components of our AML policy include:

• Customer Due Diligence (CDD): We conduct thorough due diligence on all clients before establishing a business relationship. This includes verifying their identity and assessing the purpose and intended nature of the business relationship.
• Enhanced Due Diligence (EDD): For higher-risk clients, we perform enhanced due diligence, which may include obtaining additional information and documentation.
• Record Keeping: We maintain detailed records of all transactions and client information for a minimum of five years, as required by law.
• Suspicious Activity Reporting (SAR): We are obligated to report any suspicious activities to the relevant authorities. Our employees are trained to recognize and report suspicious transactions.
• Employee Training: We provide ongoing training to our employees to ensure they are aware of AML regulations and can effectively implement our policies.

3. Client Responsibilities

Clients are required to provide accurate and complete information during the account opening process and to promptly update any changes. Clients must also comply with all requests for additional information or documentation as part of our KYC and AML procedures.

4. Non-Compliance

Failure to comply with our AML and KYC policies may result in the suspension or termination of the client's account, as well as the reporting of such activities to the relevant authorities.

5. Changes to This Policy

We may update this policy from time to time to reflect changes in regulations or our business practices. We will notify clients of any significant changes by posting the updated policy on our website.

Introduction

At Walfiner, we prioritize the privacy and protection of your personal data. This Data Protection and Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our services.

1. Information We Collect

We collect personal information that you provide to us directly, such as your name, email address, phone number, and financial information. We may also collect information about your trading activities, IP address, and device details.

2. How We Use Your Information

• To Provide Services: We use your information to facilitate account registration, manage your trades, and offer customer support.
• To Improve Our Services: We analyze your data to enhance the functionality and user experience of our trading platforms.
• To Communicate with You: We send you updates, notifications, and promotional materials related to our services.

3. Data Sharing and Disclosure

We do not sell or share your personal information with third parties for their marketing purposes. We may share your information with:

• Service Providers: Third-party companies that assist us in providing our services.
• Legal Requirements: Authorities or other entities when required by law or to protect our rights.

4. Data Security

We implement industry-standard security measures to protect your data from unauthorized access, disclosure, or alteration. However, no method of transmission over the internet or electronic storage is 100% secure.

5. Your Rights

You have the right to:

• Access: Request a copy of your personal information.
• Correct: Update or correct inaccuracies in your personal information.
• Delete: Request the deletion of your personal information, subject to certain legal obligations.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to track the activity on our services and hold certain information. You can instruct your browser to refuse all cookies or indicate when a cookie is being sent.

7. Changes to This Policy

We may update this policy from time to time. We will notify you of any changes by posting the new policy on our website. Your continued use of our services after any changes constitutes your acceptance of the new policy.

Introduction

At Walfiner, we are committed to maintaining a high level of transparency and disclosure in all our operations. This policy outlines our principles and practices to ensure that our clients, regulators, and stakeholders have access to accurate and timely information about our services, financial status, and business practices.

1. Financial Transparency

We are dedicated to providing clear and accurate financial information. Our financial transparency practices include:

Regular Reporting: We publish regular financial statements, including balance sheets, income statements, and cash flow statements, which are audited by independent auditors.

Fee and Commission Disclosure: We provide detailed information on all fees, spreads, and commissions associated with our trading platforms. This information is readily available on our website and is clearly communicated to clients during the account opening process.

Capital Adequacy: We maintain sufficient capital reserves to meet our financial obligations and ensure the stability of our operations. Information about our capital adequacy is disclosed in our financial statements.

2. Operational Transparency

We ensure transparency in our operational practices, including:

Order Execution Policy: We disclose our order execution policies, including how we handle client orders, the execution venues we use, and any potential conflicts of interest.

Risk Management: We provide information on our risk management practices, including how we manage market, credit, and operational risks.

Compliance and Regulation: We disclose our compliance with relevant regulatory requirements and industry standards. Information about our regulatory status and licenses is available on our website.

3. Client Communication

We prioritize clear and effective communication with our clients:

Product and Service Information: We provide comprehensive information about our products and services, including trading platforms, account types, and educational resources.

Changes and Updates: We promptly inform clients about any significant changes to our services, policies, or terms and conditions. This includes updates to our trading platforms, changes in fees or commissions, and modifications to our regulatory status.

Customer Support: We offer robust customer support services to address client inquiries and concerns. Our support team is available via phone, email, and live chat.

4. Conflict of Interest Management

We are committed to identifying, managing, and disclosing any conflicts of interest:

Conflict of Interest Policy: We have a comprehensive conflict of interest policy that outlines how we identify, manage, and disclose potential conflicts.

Disclosure of Conflicts: We disclose any conflicts of interest that may arise in the course of our business activities, ensuring that clients are aware of any potential biases or influences on our services.

5. Reporting and Accountability

We hold ourselves accountable to our clients and stakeholders:

Internal Audits: We conduct regular internal audits to ensure compliance with our transparency and disclosure policies.

External Audits: Our financial statements and operational practices are subject to regular external audits by independent auditors.

Regulatory Reporting: We comply with all regulatory reporting requirements, providing accurate and timely information to relevant authorities.

6. Continuous Improvement

We are committed to continuously improving our transparency and disclosure practices:

Feedback Mechanisms: We welcome feedback from clients, regulators, and stakeholders to help us improve our policies and practices.

Regular Reviews: We regularly review and update our transparency and disclosure policy to ensure it remains relevant and effective.