An entity shall obtain and maintain the following information when making a domestic remittance:

• name, surname or name of the transferee and the transferee
• Transfer and Account Receiver Accounts (if not available - unique reference number accompanying the transfer):
• data on the identity document of the person performing the transfer, for a natural person or personal identification number (state registration, registration number, etc.) for a legal person.

The name and details of the identification document are not required if the customer makes a utility payment and / or consolidated budget without opening an account with an amount not exceeding four hundred fold the minimum wage.

The following is an identification document for an organization to provide payment and settlement services:

• Passport (in case of submitting RA residence permit also require citizen's passport and passport when registering as passport), public services number (social security card number), reference number for not receiving public services number,
• Or an identity card confirming the identity (ID CARD).

Dear Customer, Due to different circumstances of payment service provision, additional documents and information may be require․

DEAR CUSTOMER

You have the right to communicate with your pre-order organization by mail or electronic website. Getting electronic weather is the most important. It is available in 24/7 mode, free of paper risk risk and provides secret.

E-mail addresses: hello@itfllc.am, info@itfllc.am

The General Meeting of the Organization of Participants approved by Decision No. 1/14 dated 01.08.2022 the Anti-Money Laundering and Terrorist Financing Policy, which aims to regulate the relations with the fight against money laundering and terrorism financing, to establish anti-money laundering and terrorist financing. the scope of the relevant units and entities involved in the fight, as well as the case of money laundering and terrorism financing by clients and / or third parties. I went up operations and the general process of prevention.
This policy is governed by the Republic of Armenia Law on Combating Money Laundering and Terrorist Financing and the Regulation on Minimum Requirements for Reporters in the Prevention of Money Laundering and Terrorism Financing approved by the Central Bank Board.
According to this policy, the Internal Audit Officer is responsible for the fight against money laundering and terrorism financing, which is responsible as the senior management on behalf of the organization for making decisions and taking appropriate actions to prevent money laundering and terrorism financing.
Includes but is not limited to policies approved by the organization;
• applying a risk-based approach
• Determining customer risk by country, geographic area, services, transactions
• Study the customer's business profile
• Customer due diligence - applying the “know your customer” principle (including identification of beneficiaries and authorized persons)
• High risk concept and additional customer research
• Low risk standard and simplified customer survey;
• The notion of a person with political influence
• The concept of a non-compliant country or territory
• Center for Vital Interests
• The concept of senior leadership
• Suspicious transaction or business relationship and the criterion for a suspicious transaction or business relationship
• the concept of typology, and the concepts of a person related to terrorism and a person involved in the spread of weapons of mass destruction.
• Suspension of a transaction or business relationship
• Rejection of the transaction or business relationship and termination of the transaction or business relationship
• Listings published by, or pursuant to, United Nations Security Council resolutions;
• Reporting to the Central Bank of the Republic of Armenia on a mandatory reporting transaction and a suspicious transaction or business relationship;
• the transaction or business relationship in questionable quality;
• Restrictions on certain types of transactions and operations, including the prohibition on issuing, providing or servicing:
• Accounts with anonymous or fictitious names;
• Accounts only expressed in numeric, letter, or other conventional characters;
• by issuer securities;
• A proper study of the business relationship;
• measures tailored to the customer's risk-based due diligence;
• money transfer obligations;
• Keeping customer identification data and due diligence information.
 

An organization blocks a transaction when the client does not provide the necessary documentation when there is a coincidence or probability that the client is involved in terrorist listings and terrorist activity.

Terms, Conditions and Tariffs for Provision of Extracts, Duplicates and Other Information, Depending on the Expiration Date of the Transaction.

The following tariffs are set for certificates and / or information provided to customers from the organization's electronic databases or document archives, by type and timing of services.

DEAR CUSTOMER:

In case of money (money) transfers without opening a bank account, the organization accepts (pays) money transfers in the currency of transfer or in another currency, taking into account "Licensing of payment and settlement organizations, registration of branches, qualification of heads of payment organizations, Requirements for technical equipment, territorial, software, security, as well as the license plate of the payment and settlement organizations, the procedure for keeping, the information included in it ”
 

In case of money transfers in foreign currency, the receipt of payable amounts from the payers and / or the provision of payable amounts to the beneficiaries shall be carried out in accordance with the following rules:
When accepting the order to transfer money from the customer who is transferring funds, the cashier accepts the transferred amount from the customer (paid by the customer) in the foreign currency specified in the order, and if the customer wishes otherwise, (paid) in AMD at the rate set by the organization, *
When receiving an order to make a payment in foreign currency to the customer who is the beneficiary of the transfer, the organization provides the amount paid to the customer in the foreign currency specified in the order, and if the beneficiary wishes otherwise, at the rate of: *
In case of carrying out the conversion operations specified in points 1 և 2 mentioned above, in the receipt provided to the customer of the organization, as well as in the order of money transfer (receipt of money transfer) submitted by the customer, in addition to the transfer amount, the exchange rate ) amount in AMD.

The organization can not force its customer to make or accept payment in AMD, if the transfer of funds is made in foreign currency. Money (money) transfer service fees must be paid in AMD only.
Acceptance of payable amounts from payers in case of transfers in AMD տրամադր Provision of payable amounts to beneficiaries by the organization carrying out money (money) transfers is done only in AMD.

• minimum and maximum transfer limits (if such limits exist),
• the maximum amount of cash received if such a limit exists under the law of the receiving country (if such information is available);
• directions, geography and systems through which remitters (beneficiaries of remittances) can receive remittances

• Maximum terms are set for the execution of remittances through the intermediation of the organization in the territory of the Republic of Armenia, including payments to the state and community budgets of the Republic of Armenia and payments for public services, In accordance with the procedure approved by the Board of the Central Bank of the Republic of Armenia "On the Maximum Terms of Money Transfers in the Republic of Armenia".
• Maximum terms do not apply to money transfers (with the exception of payments made to the state and community budgets of the Republic of Armenia for payments and public services) when other terms are specified by the agency, commission, or assignment contract between the entity and the beneficiary.