AML policy.

ChangaSente is committed to preventing the platform from being used for money laundering, terrorist financing, or any other form of financial crime. We take our obligations under Ugandan law seriously, including the Anti-Money Laundering Act 2013 and the Financial Institutions Act, and we cooperate fully with the Financial Intelligence Authority (FIA) of Uganda and any other relevant regulatory body.

All campaign organisers are required to complete identity verification before withdrawing funds. This process involves:

• Providing a government-issued photo ID (national ID, passport, or driver's licence).
• Confirming your name, date of birth, and residential address.
• Submitting supporting documents relevant to the campaign's purpose where requested.

We may request additional documentation at any stage, particularly where a campaign raises large amounts, attracts unusual patterns of contributions, or where initial verification raises questions. Failure to provide requested documents may result in withdrawal holds or account suspension.

ChangaSente monitors all transactions on the platform for suspicious activity. We use automated screening tools and manual review to detect patterns that may indicate money laundering, fraud, or the circumvention of financial regulations. Suspicious transactions are reported to the Financial Intelligence Authority as required by law. We do not tip off users that a report has been made.

We apply enhanced scrutiny to campaigns or donation patterns that display any of the following characteristics:

• Large or unusual donations from unknown sources without a clear connection to the cause.
• Campaigns that request rapid withdrawal of funds immediately after reaching a target.
• Multiple accounts controlled by the same individual or entity.
• Contributions from jurisdictions subject to international sanctions.
• Campaign purposes that are vague, frequently changed, or inconsistent with the organiser's profile.

ChangaSente screens all registered users and campaign beneficiaries against applicable sanctions lists, including those maintained by the UN Security Council, the US Office of Foreign Assets Control (OFAC), and the EU. We will not process transactions involving sanctioned individuals, entities, or jurisdictions. Accounts found to be linked to sanctioned parties will be immediately suspended and reported to the relevant authorities.

ChangaSente must not be used to:

• Launder proceeds of crime by disguising them as legitimate donations.
• Finance terrorist organisations, extremist groups, or politically motivated violence.
• Evade taxes or circumvent foreign exchange regulations.
• Conduct transactions on behalf of sanctioned individuals or entities.
• Structure contributions in ways designed to avoid detection thresholds.

Any account found to be engaged in prohibited conduct will be suspended immediately, funds will be frozen, and the matter will be referred to the Financial Intelligence Authority and, where appropriate, the Uganda Police Force.

In accordance with the Anti-Money Laundering Act 2013, ChangaSente retains transaction records, identity verification documents, and associated due diligence records for a minimum of seven years from the date of the transaction or the closure of the account, whichever is later. These records are available to the FIA and other authorised authorities upon lawful request.

All ChangaSente team members with access to user data or transaction records receive training on AML obligations, how to recognise suspicious activity, and how to escalate concerns. Our designated AML compliance officer is responsible for maintaining and updating our AML procedures and for filing suspicious activity reports.

If you suspect that a campaign on ChangaSente is being used for money laundering, fraud, or any other financial crime, report it immediately to compliance@changasente.com. All reports are treated with strict confidentiality. You may also report concerns directly to the Financial Intelligence Authority of Uganda at fia.go.ug.

This AML policy is reviewed at least annually and updated whenever there is a material change in applicable law or regulation. The most recent version is always available at this page. Registered users will be notified by email of any significant updates.