Condições Gerais de Utilização

CONDIÇÕES GERAIS DE UTILIZAÇÃO




Introdução
Se é um visitante ou um utilizador/comprador (doravante referido como Utilizador) os Serviços de divertimento (webcam) (doravante denominados por «Serviços ») propostos pelo Performer nesta plataforma ou, caso utilize a E-Wallet (carteira virtual) propostos pela empresa (de agora em diante denominada por SNV), deve consultar as atuais Condições Gerais de Utilização que se aplicam.
As actuais Condições Gerais de Utilização descrevem as condições gerais que se aplicam sempre que o Utilizador visita esta plataforma e adquirem os Serviços ao Performer registado na plataforma.
As presentes Condições Gerais de Utilização constituem as condições de utilização da platafoma e regem a relação entre si, enquanto Utilizador da plataforma, e a SNV enquanto plataforma técnica.
Assim sendo, As atuais Condições Gerais de Utilização não se aplicaM aos serviços propostos pelos Performers aos Utilizadores. A SNV não participa, de forma algum, na venda e/ou entrega dos serviços (webcam) propostos pelo(a) Performer. Se adquirir serviços junto de um/uma Performer, será considerado celebrado um acordo entre si e o/a Performer, a SNV não faz parte desse acordo.
Antes de se conectar no site da plataforma, deve ler com atenção e aceitar as atuais Condições Gerais de Utilização, incluindo os documentos e outros regulamentos que fazem parte deste, para referência sua. Se não pretende aceitar as atuais as presentes Condições Gerais de Utilização, ou caso não perceba a língua utilizada, queira sair da plataforma SNV.


1. Geral
1.1. As atuais Condições Gerais de Utilização substituem todos os acordos e contratos anteriormente celebrados entre a SNV e o Utilizador em relação à plataforma da SNV e ao serviço de pagamento da SNV.
1.2. 1.2. Ao utilizar, de forma efectiva a plataforma técnica da SNV e/ou o serviço de pagamento de SNV, considera-se que o Utilizador aceitou as presentes Condições Gerais de Utilização.
1.3. Para qualquer questão sobre as Condições Gerais de Utilização, pode consultar a rubrica FAQ (perguntas mais frequentes) ou contactar a SNV através do formulário de contacto que pode encontrar na plataforma.
1.4. A SNV reserva o direito de modificar as presentes Condições Gerais de Utilização. A SNV informará o Utilizador colocando as novas Condições Gerais de Utilização, modificadas, na plataforma da SNV. No caso de o Utilizador devidamente registado solicitar ser avisado, de forma explícita, a SNV transmitirá as Condições Gerais de Utilização modificadas, por email ou outr meio de comunicação. As alterações entram e vigor 14 dias após a publicação , ou na data especificada na notificação. No caso do Utilizador não aceitar as alterações, a relação entre si, enquanto Utilizador da plataforma técnica da SNV, e a SNV findam , sob efeito da lei.

2. Definições
2.1. A SNV refere a uma sociedade matriculada na conservatória do registo comercial com o número 122760, com a seguinte morada fiscal, E-Commerce Park Vredenberg, Unit 23, Willemstad, Curaçao, bem como às empresas e parceiros ligados à .
2.2. Plataforma (SNV) : a plataforma técnica da SNV, à qual vários sites estão vinculados
2.3. Condições Gerais de Utilização : as actuais condições gerais aplicáveis às relações entre si, enquanto Utilizador da plataforma técnica da SNV, e a SNV.
2.4. Utilizador :pessoa física que compra junto do(a) Performer através da plataforma fornecida pela SNV e, se necessário, utilizar o serviço de pagamento SNV (E-Wallet).
2.5. Conta de Utilizador : Registo pessoal do Utilizador no site da SNV.
2.6. Nome do Utilizador : Nome com o qual o Utilizador se encontra registado no site SNV, bem como nome que, combinado à palavra passe, permite ao Utilizador aceder à sua conta pessoal .
2.7. Performer: Pessoa física que propõe determinados serviços ao Utilizador através da plataforma fornecida pela SNV.
2.8. Conta de Performer : Registo pessoal do(a) Performer na plataforma da SNV ou página da Web do(a) performer na plataforma técnica da SNV que contém informações do(a) Performer e a sua conta.
2.9. Nome do(a) Performer : Nome através do qual o/a Performer é listado na plataforma SNV.
2.10. Perfil do(a) Performer: Descrição completa do(a) Performer feita pelo(a)Performer na sua página pessoal.
2.11. Date de inicio: Data a partir da qual o Utilizador aceita as Condições Gerais de Utilização.
2.13. Informações do Utilizador : Os seus dados: Conjuto de dados que regista enquanto Utilizador na plataforma SNV ou na sua conta de Utilizador, entre os quais se incluem os dados de registo, as fotos, os vídeos, o feedback e outras mensagens.
2.14. Serviço : serviço de divertimento por webcam proposto pelo Performer ao Utilizador
2.15. E-Wallet ou carteira virtual (crédito virtual pré-pago) : crédito virtual registado no nome do Utilizador. A E-Wallet (carteira virtual) não é uma conta, mas sim um crédito virtual que não pode ser reembolsado ao Utilizador.
2.16. Transação de financiamento: Transação através da qual o Utilizador alimenta o seu crédito virtual
2.17. Pagamento direto: o pagamento pelo o Utilizador ao Performer de outra forma que não através do E-Wallet da SNV.
2.18. Serviço de pagamento SNV: Angariação de fundos para a conta do performer (de terceiros), permitindo aos Utilizadores a troca de dinheiro por créditos virtuais, na sua carteira virtual, créditos que o Utilizador não pode dispensar na compra de Serviços junto dos performers na plataforma. A utilização do crédito virtual pelo Utilizador, para pagar a um Performer, equivale a uma descarga de pagamento e liberta o Utilizador da sua obrigação.

3. Obrigações do Utilizador
3.1. O Utilizador deve ser uma pessoa com capacidade jurídica e poder de celebrar contratos vinculativos.
3.2. O Utilizador não deve ter menos de 18 anos e deve já ter atingido a idade legal de utilização do site.
3.3. A conta de Utilizador é intransferível, seja de que forma for.

4. Registo
4.1. Para poder registar-se, o Utilizador deve escolher o seu nome de Utilizador e a sua palavra passe.
4.2. O Utilizador é pessoalmente responsável do uso que faz do seu nome de utilizador e da sua palavra passe.
4.3. O Utilizador deve tomar todas as medidas de segurança para guardar a palavra passe de forma protegida.
4.4. As atuais Condições Gerais de Utilização tem efeito à data em que o Utilizador se regista e aceita as Condições Gerais de Utilização (data efetiva).
4.5. O registo enquanto Utilizador é inteiramente gratuito.

5. A SNV é apenas uma plataforma técnica
5.1. A SNV intervem enquanto plataforma técnica que permite ao/à Performer fornecer de forma anónima serviços (webcam) e ao Utilizador de comprar de forma anónima os serviços (webcam) da Perfomer.
5.2. A SNV não controla os serviços propostos pelo(a) Performer, bem como, não intervem nos serviços propostos pelo(a) Performer.
5.3. A SNV é apenas e só um alojamento (host). A SNV hospeda o conteúdo e informações que o/a Performer deposita na sua conta. Os Serviços que o Performer oferece, bem como as informações que o Utilizador (Informações do Utilizador) coloca na sua canta, na plataforma.
5.4. A SNV não verifica, sob nenhuma circunstância, a qualidade, segurança ou legalidade dos serviços propostos, a competência do(a) Perfomer na prestação dos seus serviços, e a capacidade do Utilizador em comprar os serviços. A SNV também não garante que o(a) Performer fornecerá efetivamente os serviços propostos.
5.5. O Utilizador pode obter do(a) Performer os serviços pagos, bem como dos serviços gratuitos.

6. Ausência de representação .
6.1. A SNV de uma parte, e o Utilizador de outra, são partes independentes. Cada uma dessas partes age no seu nome próprio e por sua própria conta.
6.2. As atuais Condições Gerais de Utilização não se destinam a estabelecer/criar uma agência, um contrato de mandato, uma sociedade, uma joint-venture ou qualquer outra forma de cooperação, nem de estabelecer uma relação empregador-empregado ou franchisador-franchisado. O anteriormente referido não pode ser tema dos Condições Gerais de Utilização.

7. Serviços
7.1. O preço dos serviços propostos pelo(a) Performer é determinado pelo(a) Performer. O preço dos serviços propostos está indicado na página pessoal do(a) Performer.
7.2. Os serviços e transações não recebem aprovação e/ou validação da SNV.
7.3. O Utilizador deve assegurar-se que tem capacidade para adquirir o serviço proposto pelo(a) Performer em virtude das leis aplicáveis do país de origem, ou no seu país de residência.
7.4. Não se pode presumir que os serviços propostos serão inofensivos para o Utilizador, para terceiro ou para os seus bens.

8. Informações e ações do Utilizador
8.1. O Utilizador é o único responsável pelas informações que publica na plataforma SNV.
8.2. Estas informações, bem como o conjunto de ações do Utilizador não podem :
a. ser imprecisas, incorretas ou enganosas ;
b. ser insultuosas, ameaçantes, danosas ou caluniosas ;
c. infringir os direitos de autor, devassa da vida privada ou outros direitos;
d. violar a lei ou qualuer outra regulamentação;
e. transgredir a ordem pública e/ou moralidade ;
f. ser obsceno, indecente ou conteúdos de pornografia infantil ;
g. causar responsabilidade à SNV e/ou desencadear (no todo ou em parte) impossibilidade de a SNV continuar a explorar a sua plataforma ;
h. desencadear a interrupção do normal funcionamento da plataforma SNV, o dano ou um uso menos adequado, ou que a utilização deste influencie a eficácia ou funcionalidade de qualquer forma que seja.


9. E-Wallet (Carteira virtual)
9.1. A E-Wallet é um pertence virtual registado na SNV ao crédito do Utilizador mediante receção de fundos transferidos pelo Utilizador e destinado a permitir ao Utilizador de efetuar pagamentos juntos dos(as) Performers.
9.2. A E-Wallet está armazenada no sistema informático da SNV. A E-Wallet (Carteira virtual) não é uma conta, mas um bem virtual.
9.3. SNV pode aplicar os limites de carregamento dos limites do E-Wallet
9.4. Sob nenhuma circunstância, a E-Wallet pode ser considerada um depósito.
9.5. Sob nenhuma circunstância, a SNV paga juros sobre o saldo da E-Wallet (Carteira virtual).
9.6. A SNV não cobra nenhuma taxa o Utilizador pelo uso da E-Wallet.
9.7. A E-Wallet e/ou os fundos colocados não são reembolsáveis.
9.8. O Utilizador concorda que não vai dar acesso (nem tentar dar) à l’E-Wallet a terceiros
9.9. O Utilizador não deve realizar qualquer tipo de atividade que possa prejudicar ou interferir no normal funcionamento da Carteira virtual (ou dos servidores e redes às quais a Carteira virtual se encontra ligado).
9.10. O Utilizador proíbe a reprodução, duplicação, cópia, venda ou troca da E-Wallet.
9.11. O Utilizador reconhece que, numa qualquer compra de um Serviço ao Performer, o valor em dívida ao Performer, será direta e automaticamente deduzido do crédito virtual, de forma a efectuar o pagamento ao Performer.
9.12. O pagamento através da E-Wallet garante o anonimato ao Utilizador e ao/à Performer. Apenas o nome escolhido pelo Utilizador e Performer sobre o site será visível.
9.13. A SNV não participa, de forma alguma, na oferta, venda e/ou fornecimento dos Serviços(webcam) propostos pelo performer. Utilizar a E-Wallet para pagar ao performer não modifica, de forma alguma, o precedentemente referido.

10. Pagamento direto
10.1. O Performer pode ser pago pelo Utilizador por outor método que não a E-Wallet. O pagamento pelo Utilizador ao Performer será feito por qualquer meio que eles tenham concordado mutuamente.

11. Vida privada e dados de carácter pessoal.
11.1.A SNV intervém enquanto plataforma técnica que permite ao/à Performer fornecer, de forma anónima, os serviços (webcam) e ao Utilizador de adquirir de forma anónima os serviços (webcam). Consequentemente, é proibido publicar informação pessoal (nome, morada, endereço eletrónico , contas nas redes sociais…) salvo explicitamente acordado.
11.2. As informações relativas à proteção de dados pela SNV são mencionadas na política de privacidade da SNV. Em particular, explica como a SNV processa os dados pessoais do Utilizador e como a privacidade do Utilizador é respeitada ao usar a E-Wallet(Carteira virtual).
11.3. O Utilizador é pessoalmente responsável pela confidencialidade dos identificantes correspondentes à sua conta de Utilizador e deve tomar todas as medidas razoáveis ​​para manter a confidencialidade dessas informações.
11.4. A SNV informerá o Utilizador na hipótese de a sua conta de Utilizador(a) ser suspensa. A SNV irá ativar novos dados de identificação da conta de Utilizador o mais rápido possível e logo que as causas da suspensão sejam resolvidas.

12. Fraude / Branqueamento de dinheiro / Abuso
12.1. A SNV pode, caso suspeite de fraude, operações proibidas ou de branqueamento de dinheiro, através do uso da carteira virtual, proceder ao controlo de identidade .
12.2. O Utilizador reconhece que a SNV pode bloquear uma transação, ordem de pagamento ou qualquer utilização da carteira virtual, sempre que, a SNV, suspeite, de forma razoável, de uma caso de fraude, transação proibida, branqueamento de capital, violação das presentes Condições gerais de Utilização ou violação da lei.
12.3. Em caso de suspeita de fraude, operações proíbidas, braqueamento de capital, ou violação da Condições Gerais do Utilizador.

13. Diversos
13.1. No caso de obrigação de pagamento da parte do Utilizador para a SNV de acordo com as presentes Condições Gerais de Utilização, além dos outros direitos e recursos legais que a SNV dispõe contra o Utilizador, o valor presente na carteira virtual servirá de pagamento (parcial) desse mesma obrigação.
13.2. A SNV não pode ser responsabilizada perante o Utilizador, pelos limites de transação impostos ou outras cobranças.

14. Lítigio
16.1. O Utilizador aceita e reconhece que a SNV não é parte e, portanto, a SNV não pode ser responsabilizada por qualquer disputa entre o Utilizador e o/a Performer.
14.2. As reclamações ou litígios decorrentes das presentes Condições Gerais de Utilização deverão, primeiramente, ser assinaladas ao suporte online da SNV.

15. Garantias
15.1. O Utilizador garante possuir mais de 18 anos, o Utilizador garante igualmente ter pelo menos a idades legal de utilização do site.
15.2. O Utilizador garante que cumprirá todas as leis, regulamentos e regulamentos aplicáveis à compra de serviços na plataforma SNV, bem como à utilização da E-Wallet.
15.3. O Utilizador não tentará tirar proveito de qualquer acto fraudulento, operação ilegal, branqueamanto de dinheiro, violação das presentes Condições Gerais de Utilização, ou de uma violação da lei ou qualquer regulamento aplicável.
15.4. O Utilizador é obrigado a pagar impostos, taxas, comissões que possam decorrer da utilização da plataforma SNV.

16. Exclusão de garantias
16.1 A SNV não garante que o acesso ao site, a operacionalidade dos servidores e os serviços do(a) Performer serão permanentes, ininterruptos, rápidos / pontuais, seguros ou infalíveis.
16.2. A SNV excl relacionada com o uso da plataforma pelo Utilizador.
16.3. A SNV não garante que os Serviços propostos pela SNV responderão sempre a todas as exigências do Utilizador, nem que o funcionamento da EWallet será, permanentemente, seguro, sem vírus e infalível.

17. Violação das Condições Gerais de Utilização
17.1. Sem prejuízo dos demais meios disponíveis da SNV, a SNV tem o direito de enviar imediatamente a Utilizador um aviso, da suspenção temporária ou por um período indeterminado a conta do Utilizador, de fechar a conta do Utilizador, recusar o acesso aos serviços ao Utilizador quando:
a. o Utilizador não respeita as Condições Gerais de Utilização ou os documentos que façam parte integrante por referência; ou
b. quando for impossível para a SNV verificar a precisão das informações fornecidas pelo Utilizador; ou
c. A SNV estime que o Utilizador seja culpado de acto fraudulento, de transações proibidas ou branqueamento de capital na plataforma SNV ou esteja implicado ou ligado nestas atividades ; ou
d. A SNV acredita que o Utilizador, através das suas ações, causa ou pode causar danos à SNV.

18. Limitação de responsabilidade da SNV.
18.1. Os serviços oferecidos e comprados na plataforma SNV não são aprovados ​​pela SNV. O Utilizador é o único responsável pela legalidade das suas ações. A SNV declina qualquer responsabilidade por qualquer falha ou defeito nos serviços oferecidos no site da SNV que possam ser prejudiciais à saúde física ou mental.
18.2. Sob nenhuma circunstância, a SNV será responsável por quaisquer danos (consequênciais) diretos ou indiretos, entre as quais:
* qualquer perda ou falsificação de dados;
* qualquer perda de lucro (sofrida direta ou indiretamente);
* qualquer perda de volume de negócios;
* qualquer perda de reputação;
* qualquer perda de oportunidade;
* qualquer dano indireto, ocasional, acessório ou outros danos, independentemente de a perda ou dano ser atribuível a qualquer alteração que a SNV tenha feito na plataforma SNV ou na Carteira virtual ou devido a Interrupção temporária ou permanente da plataforma SNV ou da Carteira virtual, independentemente de ser por negligência ou por qualquer outra causa atribuível à SNV.
18.3. A responsabilidade da SNV perante o Utilizador - quaisquer que sejam as circunstâncias - é limitada, em qualquer caso, ao agregado dos valores que o Utilizador pagou ao Performer através da Carteira virtual nos seis meses anteriores ao ato jurídico que dá origem à responsabilidade, no todo com um máximo de 150 €.

19. Indeminização
19.1. O Utilizador concorda em indenizar a SNV e a garanti-lo contra qualquer reclamação ou reivindicação de qualquer natureza - incluindo honorários razoáveis de advocados ​​- de um terceiro e atribuível ou decorrente da violação de Condições Gerais de Utilização ou documentos por parte integrante por referência, violação da lei ou do regulamento ou violação dos direitos de terceiros pelo Utilizador.
19.2. Quando o Utilizador detem um direito ou reivindicação sobre o/a Performer ou está em litígio com o Utilizador após o uso da plataforma SNV, o Utilizador não tem direito de recurso contra a SNV e o Utilizador garante a SNV contra qualquer reclamação, exigência de responsabilidade, danos, perdas, custos e indemnizações, incluindo custos legais, conhecidos ou desconhecidos, relacionadas com tal reclamação, reivindicação ou litígio.

20. Avisos e notificações
20.1. As declarações, notificações e outros avisos a Utilizador podem ser efetuados por correio, e-mail, publicações na plataforma SNV ou por qualquer outro meio razoável.
20.2. Todas as notificações ao Utilizador serão enviadas para o endereço eletrónico que este indicou para a SNV durante o processo de registo.
20.3. O Utilizador pode consultar gratuitamente as transações realizadas com sua carteira virtual. O Utilizador concorda que ele não receberá uma extrato no formato papel.

21. Regras de Política
21.1. A SNV reserva-se o direito de introduzir regras de política a seguir, para completar as Condições Gerais de Utilização e/ou precisar as disposições aplicáveis ou mesmo altera-las. As regras que dizem respeito à política a seguir são parte integrante das Condições Gerais de Utilização.
21.2. A SNV pode alterar as regras da política. As alterações importantes serão publicadas na plataforma SNV.
21.3. Uma vez que essas modificações tenham sido publicadas, o Utilizador pode, dentro de 14 dias, informar a SNV que se recusa a aceitar essas alterações. Neste caso, a relação entre a SNV e o utilizados terminará.
21.4. As políticas a que se refere, e que fazem parte das Condições Gerais de Utilização são as seguintes :
A política de privacidade da SNV, a política GDPR, esta ultima inclui ainda a política de cookies, e o Código de Boa Conduta do Utilizador.

22. Cessação da relação com a SNV
22.1. As Condições Gerais de Utilização se aplicam até que seja rescindido pelo Utilizador ou pela SNV conforme descrito abaixo.
22.2. Se o Utilizador desejar rescindir as Condições Gerais de Utilização com a SNV, poderá fazê-lo imediatamente e de forma gratuita, fechando sua conta de Utilizador.
22.3. A SNV pode rescindir las Condições Gerais de Utilização com o Utilizador a qualquer momento, sem aviso prévio, sempre que:
a. o Utilizador tenha violado uma disposição fundamental das Condições Gerais de Utilização ou mostra claramente, pelo seu comportamento, que não intenção ou não é capaz de atender as disposições essenciais das Condições Gerais de Utilização; ou
b. é exigido à SNV por lei (por exemplo, quando o fornecimento da carteira virtual para o Utilizador não é ou não será legalmente permitido).
22.4. O fim da relação entre a SNV e o Utilizador não afecta os direitos, obrigações e responsabilidades consequentes da lei que rege a relação entre o Utilizador e a SNV.

23. Lei Aplicável
23.1. A lei de Curaçao é aplicável à relação entre a SNV e o Utilizador. Qualquer disputa entre o Utilizador e a SNV em relação às Condições Gerais de Utilização será resolvido pelo Tribunal de Willemstad, Curaçao, exceto na medida onde as regras vinculativas de competência se devem aplicar.
23.2. No caso de contradição, seja ela qual for, entre a versão inglesa e a versão traduzida das presentes Condições Gerais de Utilização, ir´prevalecer a versão inglesa.
23.3. O tribunal em Willemstad, Curaçao, tem jurisdição exclusiva em caso de litígio.

24. Outros
24.1. O Utilizador reconhece que os direitos e obrigações decorrentes das presentes Condições Gerais de Utilização, bem como todos os outros documentos que se aplicam por referência, podem ser livremente e legalmente transmitidos pela SNV em caso de fusão, cisão, a redenção ou qualquer outra forma de reestruturação.
24.2. Os títulos das diferentes seções das Condições Gerais de Utilização são meramente indicativos e não indicam necessariamente, de forma precisa, o conteúdo dos artigos aos quais se referem.
24.3. Se a SNV não agir perante uma violação por parte do Utilizador ou por terceiros, destes Condições Gerais de Utilização, a SNV não renuncia automaticamente o direito de agir com relação a violações subsequentes ou semelhantes.
24.4. Se a SNV não exercer ou não implementar um direito ou uma via de recurso legal mencionado nessas Condições Gerais de Utilização (ou à qual a SNV tem direito de acordo com a lei aplicável), esta escolha não será considerada como uma renúncia de um direito por parte da SNV. Essa escolha também não pode ser considerada como uma renúncia ao direito de agir em relação a violações subsequentes ou semelhantes. A SNV pode e ainda tem o direito de exercer seus direitos ou implementar recursos.
24.5. Os artigos que possuem o título: "8. Informações e ações do Utilizador", "15. Garantias", 18. “Limitação de responsabilidade da SNV ", "20. Avisos e notificações," "23. Lei Aplicável" e "24. Outros" e outras provisões e as taxas continuam a ser aplicadas após o término do relacionamento entre a SNV e o Utilizador.
24.6. Estas Condições Gerais de Utilização, juntamente com os documentos que fazem parte dele por referência, e as regras de política seguidas, regem o relacionamento completo entre o Utilizador e a SNV.


O Código de Boa Conduta de para os utilizadores



Para adquirir os serviços junto de outros fornecedores de serviços registados na plataforma de (a plataforma) (os serviços), los utilizadores devem abrir uma conta de utilizador na plataforma e, consequentemente, cumprir o presente código de boa conduta.
colocará termo a relação com todos os utilizadores que não respeitem o Código ou a lei.

O Código é composto por 3 partes. A parte A descreve os valores que devem prevalecer sempre que o Utilizadir adquires um Serviço junto de um Performer registado na plataforma. A secção B menciona os valores relativos à ética, enquanto que a secção C contém as disposições suplementares.
colocará termo a relação com todos os utilizadores que não respeitem o Código ou a lei.

A. COMPRAR SERVIÇOS AOS PERFORMERS REGISTADOS NA PLATAFORMA

Ao adquirir os Serviços aos Performers registados na plataforma, os Utilizadores comprometem-se a respeitar os Direitos do Homem conforme entendidos pela comunidade internacional e proclamados na Declaração Universal dos Direitos Humanos e Direitos Humanos. convenções da Organização Internacional do Trabalho.

1. Livre escolha
Ao adquirir os Serviços aos Performers registados na plataforma, os Utilizadores aceitam a regra de que todos os Performers registados na plataforma propõe os Serviços à sua vontade.
2. Proibição do trabalho infantil
Ao comprar os Serviços aos Performers registados na plataforma, os Utilizadores aceita a regra de que o trabalho infantil não é aceitável, sob qualquer circunstância. O termo «criança» faz referência ao todas as pessoas menores, de idade inferior aos 18 anos, ou 21 anos , de acordo com a lei aplicável.
3. Não discriminação
Ao compra os Serviços aos Performers registados na plataforma, os Utilizadores comprometem-se a não assediar ou discriminar ilegalmente.

B. ÉTICA
exige as mais rigorosas normas de integridade em todas as interações entre e os Utilizadores e todas as interações comerciais entre os Utilizadores e os Peformers registados na plataforma.

1. Integridade comercial
Ao adquirir os Serviços aos Performers registados na plataforma, qualquer forma de corrupção, extorsão, e peculato são estritamente proibidos.
2. Nenhuma vantagem indevida
Os Utilizadores não estão autorizados a utilizar as suas contas de utilizador como elemento de valor para fornecer, prometer fornecer ou oferecer um elementos de valor, directa ou indiretamente, aos responsáveis governamentais ou organizações internacionais públicas, dos partidos políticos.
3. Divulgação de informações
Os Utilizadores não devem divulgar nenhuma informação sobre as atividades comerciais, a estrutura, a situação financeira e as performances de à outra parte. Os utilizadores devem agir de acordo com o regulamento em vigor neste sector de atividades.
4. Propriedade intelectual, confidencialidade e dados pessoais
Os Utilizadores estão proibidos de utilizar tecnologia patenteada pela ou um terceiro, documentos protegidos por direito de autor, ou qualquer outra propriedade intelectual ou informação confidencial sem autorização escrita. É também proibido aos utilizadores transferir, publicar, divulgar ou utilizar as informações confidenciais de , excepto seja estritamente necessário para o desempenho normal do negócio ou caso tenha autorização de .
5. Leis e regulamento relativos à confidencialidade dos dados pessoais
Os utilizadores são obrigados a respeitar a lei e regulamentos aplicáveis à confidencialidade dos dados pessoais.
6. Comércio justo
Ao comprar Serviços aos Performers registados na plataforma, os Utilizadores comprometem-se a respeitar as normas do comércio justo.

C. DISPOSIÇÕES SUPLEMENTARES

1. Conflitos de interesses
Os utilizadores devem ser livres de agir com objetividade total nas suas relações com et devem evitar conflitos de interesses.

2. Autoridades reguladoras
Os utilizadores devem ser honestos nas suas conversas com os representantes dos organismos reguladores e governamentais e cooperar com os representantes de em quaisquer investigações ou auditorias internas ou externas sobre as relações dos utilizadores com, ou relacionadas à .

3. Contactos
Os utilizadores devem informar o suporte de se alguma situação exigir que eles atuem em violação do presente Código. Os utilizadores são encorajados a contactar a prontamente de forma a colaborar na resolução de um problema e cumprimento deste Código.

AGREEMENT BETWEEN SHOSHORO N.V. AND THE INDEPENDENT PERFORMER (the Performer Agreement)

(20 November 2019)

Terms and Conditions Applying between SNV and the Performer (hereafter: Performer)
The following Performer Agreement and all terms and conditions shall apply to the legal relationship between SNV and the Performer.

This Performer Agreement describes the general terms & conditions that apply when a Performer uses the services provided by SNV, namely:
A. General Platform Services
B. SNV Payment Service (Billing)

1. General

1.1 This Performer Agreement replaces all previous agreements between the Performer and SNV and the available Payment Service (Billing) and General Platform Services" offered by SNV.
1.2 If the Performer has questions about this Performer Agreement, the Performer can consult the FAQ page (Frequently Asked Questions) or contact SNV via the contact form on the SNV Platform.
1.3 SNV has the right to make changes to the Performer Agreement. SNV will notify the Performer of such changes by means of placing the new, amended Performer Agreement on the SNV Platform, by means of an e-mail to the registered Performer upon request, or by other means. Changes will take effect 14 days after being announced, or at another time if this is stipulated in the notification. If the Performer is unable to agree with the changes the Performer 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.
1.5 This form will be countersigned by SNV and consultable at any time on the Performer account.

2. Definitions

2.1 Entertainment Webcam Service: a service offered and sold by the Performer.
2.2 E-Wallet: virtual credit balance registered by SNV upon receipt of funds from the User. The User's E-Wallet is stored in the SNV computer system. The E-Wallet is not an account but a virtual balance.
2.3 Financing Transaction: the transaction in which the User deposits credits into his/her virtual balance (E-Wallet).
2.4 General Platform Services: the services SNV provides to the Performer for the use of the SNV Platform in return for payment.
2.5 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.
2.6 Payment Instruction: the authorisation the User gives SNV 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.
2.9 Payment Transaction: the transaction in which SNV transfers the credits held in the Performer's Payment Account into the bank account of the Performer.
2.10 Policy Rules: documents prepared by SNV and published on the SNV Platform containing mandatory or non-mandatory rules which apply to the relationship between SNV and the Studio Performer as a result of the Performer Agreement including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.11 Reservation Requirement: the amount that SNV reserves temporarily in accordance with the Performer Agreement to cover possible payment cancellations by Users.
2.12 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
2.13 SNV Payment Service: crediting the Performer Payment Account, upon the deduction of a virtual credit balance held by the User (E-Wallet), for payment of Entertainment Webcam Services the Performer has sold to the User.
2.14 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.
2.15 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.
2.16 Performer Agreement: these general terms and conditions as agreed between the Performer and SNV also referred to as "you" or "Model".
2.17 Perform er Account: the Performer's personal registration on the SNV technical platform containing the personal information of the Performer (Performer's Profile and the Performer's Name).
2.18 Performer Fees: the fees SNV charges to the Performer for providing the General Platform Service and the SNV Payment Service.
2.19 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.
2.20 Performer Payment Account: the Performer's current account with SNV, to which SNV credits payments made by Users for the purchase of the Webcam Entertainment Services provided and sold by the Performer and to which SNV debits amounts owed to SNV by the Performer.
2.21 Performer's Profile: the full personal and physical description of the Performer.
2.22 Third Party: any party except the Performer and SNV.
2.23 Transaction Fees: the costs associated with the Payment Transaction.
2.24 User: a person who purchases entertainment services from the Performer via a Website connected to the technical platform of SNV and who may or may not use the SNV Payment Service (E-Wallet).
2.25 User Account: the User's personal registration on the SNV technical platform.
2.26 Website: a website linked to the technical platform of SNV.
2.27 Micro Company: an enterprise which meets two of the following three criteria and do not fail to do so for at least 10 years (1) fewer than 10 employees, (2) balance sheet total below 2 million euro and turnover below 2 million euro. (definition European Union).

3. Registration of the 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 Manager/Owner 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 A person whose (Studio) Performer Account has been temporarily or permanently suspended, cannot register a Performer.
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.
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 professional parties; each party acts only in its own name and on its own behalf.
6.2 It is not the purpose of this Performer 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 Performer 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.

8. Services provided by SNV to the Performer

8.1 SNV will provide the Performer:
I. General Platform Services
II. SNV Payment Service (Billing)
8.2 The amount of the Payment Transaction is based on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amounts are retained by SNV to cover the payment of the invoices of SNV due by the Performer for the General Platform Services and the SNV Payment Services. In case part of the General Platform Services are provided by an Affiliate under a contract in this respect with AC Webconnecting NV, the part of the Performer Fees related to those services, will be retained for the account of AC Webconnecting NV.
8.3 The Performer can download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Performer Fees as set out above.
8.4 Transaction Fees may apply depending on the chosen payment method as laid down in the Performer Account.
8.5 SNV is entitled to change General Platform Fees. Changes take effect 14 days after the change has been announced on the SNV Website, unless stipulated otherwise. If, in the 14 days after this change, the Performer notifies SNV that he/she does not accept the changes in question the Performer Agreement and the right to use the SNV paid services will terminate immediately upon receipt of this notification.

9. SNV Payment Service

9.1 The Performer is obliged to provide complete, up-to-date and correct registration information and information about the Performer Account and to update this information on a regular basis to keep it current and correct.
9.2 If a Financing Transaction is reversed for whatever reason (charge back from a User) SNV is entitled to recover such charge back from the Performer by debiting the previously credited amount back from the Performer's Payment Account.
9.3 SNV will carry out the Payment Transaction if the amount of the Payment Transaction entirely covers the costs SNV will incur in respect of the chosen payment method.
9.4 SNV has a Reservation Requirement of 5 percent of Performer’s turnover. The Reservation Requirement is a temporary reserve (180 days) to cover potential payment cancellations (charge backs) by the User.
9.5 SNV can suspend a Payment Transaction if SNV, at its own discretion, suspects that the Transaction: is based on a factual error; is fraudulent or is made using a fraudulent or invalid method of payment.
9.6 SNV will notify the Performer about the suspension of any Payment Transaction.
9.7 SNV is entitled to deduct all payment obligations that SNV may accrue under this Performer Agreement from the Performer's Payment Account, in addition to all other rights and legal means available to SNV pursuant to this Performer Agreement.
9.8 SNV 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.
9.9 The Performer agrees that:
a. the Performer's Payment Account may not be a deposit account;
b. SNV is not required to pay the Performer interest on any balance in the Performer's Payment Account.
9.10 Any dispute with respect to the SNV Payment Service must, in the first instance, be reported to the SNV online support team.
9.11 The Performer is not obliged to use the SNV Payment Service in providing and selling the Entertainment Webcam Services.
9.12 SNV is entitled to change its Billing Fees. Changes take effect 14 days after the change has been announced on the SNV Website, unless stipulated otherwise. If, in the 14 days after this change, the Performer notifies SNV that he/she does not accept the changes in question the Performer Agreement and the right to use the SNV paid services will terminate immediately upon receipt of this notification.

10. Guarantees

10.1 Each party declares and guarantees that he/she is legally competent and authorised to sign this Performer Agreement.
10.2 The Performer guarantees SNV that:
a. the Performer will comply with:
• 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 and/or SNV Payment Service
• (the rules resulting from) the Performer Agreement.;
• the national legislation of the country in which the Performer is located.
b. 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;
c. the Performer will pay all taxes, levies and commissions it is due in connection with the use of the SNV services and/or the SNV Platform and/or the Website as well as in connection with the Webcam Entertainment Services sold by the Performer to the Users.
10.3 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 10.2 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.
10.4 SNV guarantees the Performer that she will provide the General Platform Services and the SNV Payment Service with reasonable care and professionalism.
10.5 SNV does not guarantee that the General Platform Services and the SNV Payment Service will meet all of the Performer’s requirements and will function uninterruptedly, be virus-free, safe or error-free.

11 Announcement and notification

11.1 Declarations, notifications and other announcements from SNV to the Performer can be made by post, e-mail, via publications on the SNV Platform or by any other reasonable method.

12. Obligations 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.

14. Violation of the Performer Agreement

14.1 SNV has the right to send the Performer an immediate warning, suspend or terminate the Performer's Account temporarily or indefinitely and refuse to provide services to the Performer if:
a. the Performer violate(s) the Performer Agreement or the documents that form an integral part of the Performer Agreement.
b. it proves impossible for SNV to verify the correctness of the information provided by the Performer.
c. 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 Euros.

16. Account not Assignable

16.1 The Performer Account is non assignable, shall be strictly personal and must not be transferred to or used by any Third Party.
16.2 The Performer Account can only be used by the Performer for whom such account is created.
16.3 Creating a Performer Account or a Performer Account for a third party shall be prohibited.

17. Other

17.1 The Performer agrees that SNV can freely and by operation of law transfer the rights and obligations arising from this Performer Agreement and from all the documents that apply for reference purposes in the event of a merger, division, takeover or other restructuring.
17.2 If SNV fails to act in respect of a violation of this Performer Agreement by the Performer or by others, SNV does not automatically waive the right to act in respect of later or similar violations.
17.3 If SNV does not exercise or enforce a legal right or legal remedy referred to in this Performer 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
17.4 This Performer Agreement, accompanied by the documents and Policy Rules in relation to the SNV Platform as published on the Platform, included, constitute the entire agreement between the Performer and SNV.

18. Applicable law

18.1 Curaçao law applies to this Performer Agreement.
18.2 Any disputes that arise or may arise between the Performer and SNV as a result of this Performer Agreement or subsequent agreements or other actions in relation to this Performer Agreement will be settled by the competent courts in Curaçao.

19. Termination of the Performer Agreement

19.1 The Performer Agreement will remain in place until such time as it is cancelled by the Performer or by SNV, as outlined below. If the Performer Agreement is cancelled, this means that the Performer Account and the Performer Accounts will be closed by SNV.
19.2 If the Performer wishes to terminate this Performer Agreement with SNV the Performer can do so at any time and free of charge by closing the Performer Account and the Performer's Account(s).
19.3 SNV can terminate the Performer Agreement with the Performer at any time without prior notice if: the Performer has violated the Performer Agreement or SNV is legally obliged to do so.
19.4 The termination of this Performer 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 Performer Agreement was in effect or for which it is stipulated that they remain valid for an indefinite period such as but not limited to "Definitions", "No representation", "Guarantees", "Obligations of the Performer", "Fraud, money laundering and terrorism financing", "Announcements and notification", "Applicable law" and "Other".
19.5 Upon termination of this Performer Agreement or any other termination of the use of the SNV Payment Service by the Performer, the Performer remains responsible for all cancellations and recovery costs (charge backs).

I declare that I am independent professional or micro company in my country.

Declaração de Confidencialidade de

25 de maio de 2018

A proteção de dados é particularmente prioritária no seio da nossa sociedade. Relativamente ao tratamento de dados, cumprimos estritamente as exigências da legislação aplicável relacionada com a proteção de dados, incluido o Regulamento Geral da UE sobre a proteçõ de dados (RGPD). Ou seja :

• nós limitamos a nossa recolha de dados pessoais apenas e só aos dados pessoais necessários para fins legítimos;
• nós definimos com clareza os nossos objetivos antes de tratar os dados pessoais, de acordo com a presente Declaração de Confidencialidade;
• nós solicitamos previamente e de forma explícita autorização para o tratamento dos seus dados pessoais, nos casos em que a sua autorização é necessária;
• nós tomamos as devidas medidas de segurança para proteger os seus dados pessoais e exigimos a mesma atitude de todos aqueles que tratam dos seus dados pessoais em nosso nome;
• nós respeitamos o seu direito em consultar, retificar ou eliminar os dados pessoais que detemos.

é a entidade responsável pelo tratamento de todos os dados. Na presente Declaração de Confidencialidade, explicamos que dados pessoais recolhemos, e para que fins. Recomendamos-lhe vivamente que a leia atentamente.

Registo

Algumas funcionalidades do nosso site necessitam que se registe previamente. Deverá, para isso, fornecer as informações suas, e escolher um nome de utilizador (pseudo) e uma palavra passe para a conta que iremos criar para si.
Para este fim, utilizamos o seu nome, morada, número de telefone, morada de faturação, endereço electrónico, detalhes de pagamento e nome de utilizador. Necessitamos desses dados devido ao acordo que existe entre amabas as partes. Armazenamos essa informação até que ponha fim à sua conta.
Guardamos esses dados de forma a lhe evitar inseri-los, em cada visita ao nosso site; para que possamos trocar mensagens consigo, bem como, para que possamos fornecer-lhe a lista de serviços que adquiriu na nossa plataforma.

Carregameno da carteira virtual (E-Wallet)

Através da hdcamsex.com, pode carregar créditos na sua E-wallet de modo a adquirir serviços de outras partes. Para tal são necessários alguns dados pessoais que partilhamos com os fornecedores dos serviços de pagamento, de forma a facilitarmos os carregamentos das carteiras virtuais (E-Wallet).

Os dados pessoais que utilizamos são: o seu nome, morada, morada de faturação, endereço eletrónico e detalhes de pagamento. Precisamos desses dados devido ao acordo que existe entre ambas as partes. Armazenamos as informações durante o período de manutenção legal imposto pela administração fiscal.

Promoção

Asseguramos a promoção de novos produtos e serviços através da nossa newsletter. Pode opor-se a qualquer momento a esta comunicação promocional, para isso basta carregar no link de anulação existente em cada e-mail.

O consentimento para o armazenamento de dados pessoais que deu para a newsletter, pode ser, a qualquer momento, revogado. De forma a exercer o seu direito de revogar o seu consentimento, poderá sempre encontrar um link específico em cada newsletter. Também é possível anular o seu registo na newsletter a qualquer momento diretamente na plataforma.

Publicidade

O nosso site mostra publicidades genéricas. Não coletamos qualquer dado pessoal para este fim.

Cookies

O site utiliza cookies. Os cookies são pequenos ficheiros de informação que ficam guardados no seu computador, ou outro dispositivo com acesso à Internet de forma a melhorar a sua experiência. Os cookies são necessários para nos permitir melhorar o funcionamento do site Web e para o reconhecer em cada visita. Desta forma, não precisa inserir os seus dados de login a cada visita, e permite-nos recordar os seus parâmentros e preferências. Não partilhamos os nossos cookies com terceiros, não selecionamos a publicidade com base nos seus cookies.

Pode desativar os cookies através dos parâmetros do seu navegador, mas essa desativação poderá deixar algumas funcionalidades inutilizáveis.

Partilha de dados pessoais com terceiros

À exceção das partes abaixo mencionadas, não partilhamos nenhuns dados pessoais com outras sociedades ou organismos, a menos que exigido por lei.

Estatísticas

Fazemos estatísticas da utilização do site, o que nos leva consequentemente à utilização dos dados pessoais do utilizador. Fazemos uso de estatísticas para melhorarmos a apresentação e funcionamento do nosso site Web e para isso acedemos aos dados pessoais, mas apenas quando estritamente necessário.

Segurança

Tomamos todas as medidas de segurança apropriadas para limitar qualquer mau uso ou acesso não autorizado aos seus dados pessoais.

Alteração da nossa Declaração de Confidencialidade

Reservamos o direito de alterar a nossa Declaração de Confidencialidade. E por isso recomendamos que a consulte com regularidade de forma a manter-se informado de qualquer possível alteração.

Consulta e alteração dos seus dados

Pode contactar-nos para esclarecimento de qualquer dúvida relacionada com a nossa Declaração de Confidencialidade ou, caso o deseje, consultar, retificar ou eliminar os seus dados pessoais.

Seguem os seus direitos enumerados:

• Ser informado dos dados pessoais que pessoais que possuimos e da utilização que fazemos destes;
• Controlar os dados pessoais que se encontram armazenados;
• Retificar os dados pessoais incorretos;
• Solicitar a exclusão/eliminação dos dados desatualizados;
• Revogar o seu consentimento;
• Opor-se a algumas utilizações.

Tenha em atenção que deverá sempre identificar-se para poder execer os direitos de consulta/modificação/eliminar dos dados pessoais, de modo a nos podermos assegurar que não modificamos ou eliminamos os dados da pessoa errada.

Reclamações

Se acredita que não estamos a permitir que exerça o seu direito da melhor forma, pode apresentar a sua reclamação junto da autoridade nacional competente de controlo para a proteção de dados, caso se encontre sedeado na União Europeia. Por exemplo Holanda, l'Autoriteit Persoonsgegevens.

Coordenadas





Email:

Website: hdcamsex.com

, a Curaçao Corporation, does hereby voluntarily state that all performers appearing on this web site and issuing their respective sexually explicit images, were at least 18 (eighteen) years-of-age with governmental picture identity records on file in compliance with the spirit of 18 U.S.C. §2257.

Documentation as aforesaid is retained and only disclosed in conformance with Curaçao and EU Privacy Statutes.

Please direct any inquiries to:
Custodian of Records




ANTI-MONEY LAUNDERING/ KYC POLICIES, CONTROLS AND PROCEDURES

DOCUMENT UPDATED THE 3 TH DECEMBER 2019

, as a member of the AC Group, will also act in accordance with this Policy Rule as laid down in this Group Policy AML/KYC statement.
It is the policy of AC Group that all members of staff at all levels shall actively participate in preventing the services of AC Group from being exploited by criminals and terrorists for money laundering purposes. This participation has as its objectives:

  • ensuring AC Group’s compliance with all applicable laws, statutory instruments of regulation, and requirements of AC Group’s supervisory authority
  • protecting AC Group and all its staff as individuals from the risks associated with breaches of the law, regulations and supervisory requirements
  • preserving the good name of AC Group against the risk of reputation damage presented by implication in money laundering and terrorist financing activities
  • making a positive contribution to the fight against crime and terrorism.

To achieve these objectives, it is the policy of AC Group that:

  • every member of staff shall meet their personal obligations as appropriate to their role and position in AC Group
  • neither commercial considerations nor a sense of loyalty to Platform Users shall be permitted to take precedence over AC Group’s anti-money laundering commitment
  • AC Group shall appoint the sole practitioner to be responsible for anti-money laundering compliance (the responsible AC Officer). AC Group shall notify the supervisory authority (if applicable) and supply the name of the responsible director
  • AC Group shall appoint a Money Laundering Reporting Officer (MLRO). AC Group shall appoint a deputy to cover in the absence of the MLRO. The MLRO and deputy shall be afforded every assistance and cooperation by all members of staff in carrying out the duties of their appointments
  • AC Group shall carry out a business-wide assessment of the risks of money laundering and terrorist financing to which AC Group is subject and design and implement appropriate controls to mitigate and manage effectively the risks identified
  • AC Group shall establish and maintain documented, proportionate policies and procedures, including controls, which outline the positive actions to be taken by staff to prevent money laundering and terrorist financing in the course of their work. The MLRO shall keep these under review to ensure their continuing appropriateness.

POLICY AND PROCEDURE FOR THE ASSESSMENT OF MONEY LAUNDERING RISK

POLICY

It is the policy of AC Group to identify and assess the money laundering and terrorist financing risks represented by the business we conduct so that we can mitigate that risk by applying appropriate levels of persons and companies using the platform as exploited by (the Platform Users). The Platform Users are the so-called Service Providers that is the Studio and the Performer with which/whom has concluded the Studio Agreement respectively the Performer Agreement. Performer is also referred to as “Model”. These Service Providers offer and sell their services to their customers (Users) on the SNV Platform.

CONTROLS AND PROCEDURES

  1. AC Group shall assess the money laundering risk represented by the Platform Users and the business conducted according to three levels:
    • the range normally dealt with by AC Group, requiring AC Group’s normal level of client due diligence
    • an exceptionally high level of risk requiring an enhanced level of client due diligence
    • a negligible level of risk requiring only simplified due diligence.
  2. AC Group shall identify and maintain lists of risk factors (including those required by the Regulations) relating to the Platform Users, products or services, transactions, delivery channels and geographic areas of operation.
  3. AC Group shall assess the level of risk associated with these factors by analysing indicators including:
    • characteristics of the Platform User (individual or corporate, status, location, occupation)
    • the purpose of accounts or engagements, levels of assets and transactions
    • regularity or duration of business relationships.
  4. AC Group shall update the risk assessment annually to ensure new and emerging risks are addressed, and new information supplied by our supervisory authority is reflected.
  5. AC Group shall keep an up-to-date written record of all steps taken and shall provide the risk assessment and the information on which it was based.
  6. The money laundering or terrorist financing risk represented by each Platform User will be assessed:
    • during the new Platform User acceptance process (KYC), before any work is undertaken.
    • whenever AC Group’s process of ongoing monitoring indicates that a change in the business or operating environment of an established Platform User may represent a change in money laundering risk.
  7. The risk assessment in relation to a Platform User shall be carried out by the responsible AC officer who will determine appropriate due diligence measures in respect of each Platform User based on:
    • AC Group’s business-wide risk assessment
    • assessment of the level of risk arising in any particular case.
  8. A record must be made of the assessment of individual Platform User relationships, confirming that AC Group’s business-wide risk assessment has been taken into account, and any other relevant factors considered.

POLICY AND PROCEDURE FOR THE VERIFICATION OF IDENTITY OF THE PLATFORM USERS (KYC)

POLICY

It is the policy of AC Group to verify the identity of all Platform Users, ensuring that procedures reflect Platform User risk characteristics. When opening an account with the AC Group all Platform Users will be verified on the basis of the following procedures.

A. CONTROLS AND PROCEDURES FOR THE USE OF THE (SNV) PLATFORM

Platform Users who offer and sell their services on the SNV Platform – Performers and Studio’s – acting in the form of a corporate entity need to provide the following information:

  • Company Name
  • Official Registration number
  • Social form
  • Country of headquarters
  • Address of the headquarters
  • If applicable, intracommunity VAT number
  • Contact mail address
  • Phone number
  • All information about the beneficial owners.

The responsible AC Officer will check that such Platform User is appropriately incorporated (if applicable) and registered, and take the necessary steps to determine who are the principal beneficial owners, and the people with significant control, and their identity will be verified according to this procedure.

B. Platform Users who offer and sell their services on the SNV Platform – Performers and Studio’s – not acting in the form of a corporate entity need to provide the following information:

  • Name or identification of the non-individual Studio/Performer
  • Country of residence
  • Address
  • Phone number and contact mail address
  • A waver stating his obligations of any taxes due and statement that he can act as a non legal entity in his country (micro-entreprises).
Verification of identity
  1. The member of staff conducting verification of identity will complete the process by checking that the Studio/Performer is not the subject of sanctions or other statutory measures, using the screening methods set out by the MLRO. (Blacklist international terrorist, tel sms verification).
  2. For Studio/Performers, identity checks will be conducted by examination of:
    • one document containing a photograph confirming the Studio Manager/ Performer’s name, such as a valid passport
    • photo with the given identity document next to face
    • one document confirming the Studio Manager/Performer’s address, such as a utility bill (less than 3 months old and no mobile telephone bill). This document is required even if the document confirming name also has the address AC Group’s MLRO will maintain a list of acceptable documents or information obtained from a reliable source which is independent of the Studio/Performer:
    • only scanned coloured HR copy of the document, will be accepted for examination
    • sources of electronically held information must have been risk-assessed prior to use.
  3. In cases where a Platform User cannot produce acceptable documents, the responsible AC Officer will make a risk-based decision on accepting the documents that are available., consulting with the MLRO if appropriate.
  4. Where the Studio Manager/Performer is not a European resident, or will not be seen in person (that means via the webcam) by the member of staff carrying out the verification, the responsible AC Officer will make a risk-based decision on the means of verification to be accepted., consulting with the MLRO if appropriate.
Check of the beneficial ownership
  1. Where the Performer is not the beneficial owner of assets involved, the responsible AC Officer will take the necessary steps to determine who is the beneficial owner, and take reasonable measures to verify their identity, according to this procedure.
  2. The MLRO will prepare a format for use by the responsible AC Officer in requesting verification of identity and beneficial ownership information from the Studio/Performer and a procedure for following up when requests are not met within the statutory period.
  3. If all possible means of identifying the beneficial owner of a non-individual Studio/Performer have been exhausted without success, and recorded, the responsible AC Officer will seek the approval of the MLRO, to be given on a risk-sensitive basis, to treat as its beneficial owner the senior person responsible for managing the non-individual Studio/Performer.
  4. In respect of the ultimate beneficial owner(s) of the non-individual Studio’s/Performers the following information is required:
    • Title
    • Name and surname
    • Country of residence
    • Address
    • Date of birth
    • Country of birth
    • Id number
    • Reason why the individual is UBO (percentage of direct or indirect capital/ownership etc.)
  5. Where the Platform User is a listed company or a regulated firm, the responsible AC Officer will check that the Platform User is appropriately registered, and that the person with whom AC Group is dealing is properly authorised to act on the Platform Users behalf, and will verify the identity of that person according to this procedure, in addition to that of the non-individual Studio/Performer.
  6. In all cases assessed as presenting a higher money laundering risk, where enhanced Platform User due diligence is required, the responsible AC Officer will consult with the MLRO to decide on additional steps to verify the Platform User’s identity.
  7. All verification of identity processes as well as actions taken to verify the identity of non-individual Studio/Performer will be recorded. This will include keeping photocopies of all documents produced and email exchanges.
  8. For both the individual and the non-individual Studio’s/Performers, the responsible AC Officer will collect reference information of the bank account of such Studio/Performer:
    • Bic or IBAN
    • Name of the institution where the account is held
    • Address of said institution
  9. For both the individual Performers/Studio’s and the beneficial owners of the non-individual Performers/Studio’s, it will be monitored whether such person qualifies as a “politically exposed person”. When opening an account the following questions will be asked:
    • Are you a politically exposed person that is are you an individual who is or has been entrusted with a prominent function.  Y/N
    • Are you linked with such a person (family, close associate) ? Y/N
    • If yes, please indicate the name and the function of the person justifying this status.

POLICY AND PROCEDURE FOR KNOWING THE PLATFORM USER’S BUSINESS AS PART OF CUSTOMER DUE DILLIGENCE (CDD)

POLICY

It is the policy of AC Group to obtain information enabling to assess the purpose and intended nature of every Platform User’s relationship with AC Group. This Know Your Client’s Business information will enable AC Group to maintain our assessment of the on-going money laundering risk, and notice changes or anomalies in the Platform User’s arrangements that could indicate money laundering.
It is the policy of AC Group not to offer its services, or to withdraw from providing its services on the platform, if a satisfactory understanding of the nature and purpose of the Platform User’s business cannot be achieved.

CONTROLS AND PROCEDURES (security management as laid down in the document “Policy AML and Fraud Tools”)

  1. The responsible AC Officer will obtain Know Your Client’s Business information from Studio’s/Performers (both individual and non-individual) on the platform:
    • on acceptance of Studio’s/Performers on any significant change in the Studio’s/Performers agreements such as the size or frequency of transactions, nature of business conducted, involvement of new parties or jurisdictions as an ongoing exercise throughout the relationship with the Platform User.
  2. Know Your Client’s Business information sought from Platform Users will include, but not be limited to:
    • the purpose or need and business justification of the services the Platform User is selling on the platform as a Studio/Performer to the Users and by using the E-wallet for the pay-outs to the Platform Users..
    • the provenance of funds or assets involved in the Platform User’s sales.
    • the nature, size, frequency, source and destination of anticipated transactions of the Studio/Performer (volume and destination of the transactions).
    • the business justification for all uses of structures and entities (if applicable).
    • the counter-parties and jurisdictions concerned.
  3. The information will be obtained by asking the Platform User pertinent questions, and the answers given by the Platform User will be verified where this is possible within the course of normal conduct of the relationship (survey Platform User).
  4. Information provided by the Platform User will be recorded on the Platform User account, to assist with future monitoring of the Platform User relationship (Flag on account monitoring).
  5. Answers not readily verifiable should nevertheless be considered together with other details known about or given by the Platform User to check that all the information is consistent and plausible.
  6. Where answers given by the Platform User are implausible, or inconsistent with other information, or where the Platform User is unwilling to provide satisfactory answers to due diligence enquiries, the responsible AC Officer will consider whether AC Group should commence the relationship or withdraw from the relationship.
  7. Know Your Client’s Business information, or the lack of it, will be taken into account by all staff when considering possible grounds to suspect money laundering.

POLICY AND PROCEDURE FOR ONGOING MONITORING OF THEPLATFORM USERS

AC Group shall in any event monitor the following events and seek for a satisfactory explanation:

  • Change in banking references
  • Change in location
  • With respect to the non-individual Studio’s/Performers: Change in the management/change in beneficial ownership

The audits will be performed at the anniversary date that is the date that the Studio/Performer has registered himself on the platform. An alert will notify the team when the controls must be performed.

The consequence of these audits may be the performance of additional steps (request for additional documentation additional checks…), that must be documented in the file of the Platform Users (made of their information, supporting documents, and AML monitoring information).

These audits can as well lead to a new evaluation of the level of scrutiny applied to the Platform User, even up to the end of the business relationship. Such a decision is taken by the AC Group’s owners, on the advises of the MLRO and the responsible of internal control.

POLICY AND PROCEDURE FOR KEEPING RECORDS OF PLATFORM USER DUE DILIGENCE INFORMATION

POLICY

It is the policy of AC Group to establish and maintain systems to keep records of enquiries made and information obtained while exercising Platform User due diligence for AML purposes, and to ensure that these records are retrievable as required for legal and regulatory stipulations. These records will include but not be limited to details recorded for accounting and business development purposes.

CONTROLS AND PROCEDURES

  1. When information is being collected for AML Platform User, the responsible AC Officer will ensure that:
    • information collected is recorded in a consistent manner in the Platform User account, or other appropriate place, and that records held in different places are cross- referenced where appropriate, so that information is accessible by and comprehensible to other authorized members of staff, including the MLRO
    • all instances are recorded where information requested has not been forthcoming, or explanations provided have not been satisfactory.
  2. AC Group shall have systems to routinely archive records along with AC Group’s accounting records to ensure their availability for a minimum of the legal requirements from the date of the completion of the transaction or enquiry.
  3. AC Group shall have data retrieval systems which facilitate full and rapid retrieval of all relevant records by authorised staff, in order to respond fully to enquiries from financial investigators.
  4. AC Group shall have procedures to ensure that any personal data obtained is processed only for the purposes of preventing money laundering and terrorist financing.
  5. Every document and information collected at the opening of the account, concerning the identity of the Studio/Performer, if applicable its UBO, as well as all of those collected during the business relationship, must be kept during 5 years from the closing of the account. Moreover, each year, the historic of all the transactions performed since the beginning of the year must be kept during 5 whole years. AC Group keeps all the documents in data resulting from their business relationship with the Studio’s/Performers by archiving them according to conditions and modality guaranteeing their integrity, and especially on a permanent support respecting the GDPR rules.
  6. AC Group shall provide new Platform Users with the following information prior to registration on the SNV Platform:
    • a statement that any personal data received in respect of the registration will be processed only for the purposes of preventing money laundering and terrorist financing. (GDPR)
  7. AC Group shall have a procedure to earmark relevant personal data for deletion at the end of the legal retention period unless:
    • it is required for court proceedings
    • the data subject has given express consent to the retention of that data.
  8. For registered accounts on the SNV Platform which have been the subject of a suspicion report, relevant records will be retained separately from AC Group’s routine archives, and not destroyed, even after the legal retention period has elapsed, without confirmation from the MLRO that they are no longer required as part of an enquiry.

POLICY AND PROCEDURE FOR INTERNAL SUSPICION REPORTING

POLICY

It is the policy of AC Group that every member of staff shall remain alert for the possibility of money laundering, and shall report any and every suspicion for which they believe there are reasonable grounds, following AC Group’s procedure.
The expectation placed on each individual member of staff in responding to possible suspicions shall be appropriate to their position in AC Group. No-one is expected to have a greater knowledge and understanding than is appropriate to their role.

CONTROLS AND PROCEDURES

  1. Every member of staff must be alert for the possibility that AC Group’s services could be used for money laundering purposes, or that in the course of their work they could become aware of criminal or terrorist property.
  2. Alertness to the possibility of money laundering must be combined with an appropriate knowledge of Platform User’ normal arrangements so that members of staff become aware of abnormal factors which may represent possible causes of suspicion.
  3. A member of staff becoming aware of a possible suspicion shall gather relevant information that is routinely available to them and decide whether there are reasonable grounds to suspect money laundering. Any additional information acquired, in particular any explanations for unusual instructions or transactions, should be recorded on the accounts registered on the platform in the routine manner, but no mention of suspected money laundering is to be recorded in any such accounts.
  4. The requirement to gather relevant information does not extend to undertaking research or investigation, beyond using information sources readily available within AC Group.
  5. If after gathering and considering routinely available information, the member of staff is entirely satisfied that reasonable grounds for suspicion are not present, no further action should be taken.
  6. A member of staff who on consideration decides that there may be grounds for suspicion shall in normal circumstances raise the matter with the responsible AC Officer. If after discussion they both agree that there are no grounds for suspicion, no further action should be taken.
  7. No member of staff is obliged to discuss a suspicion of money laundering with the responsible AC Officer. They may, if in the circumstances they prefer, contact the MLRO directly without giving a reason.
  8. If following the raising of a possible suspicion by a member of staff, or resulting from their own observations, the responsible AC Officer decides that there are reasonable grounds to suspect money laundering, he or she must submit a suspicion report to the MLRO, in the format specified by the MLRO for that purpose.
  9. An internal suspicion report does not lead to the breach of confidentiality, and no member of staff shall fail to make an internal report on those grounds.
  10. If a suspicion report results from a matter raised by a member of support staff, the responsible AC Officer must advise them in writing that a report has been submitted by reference to the matter discussed on the given date, without including the name of the person(s) suspected. This confirms to the member of staff who raised the matter that their legal obligation to report has been fulfilled. (reporting procedure format)
  11. In the circumstance where any member of staff forms a suspicion of money laundering but the responsible AC Officer does not agree that there are reasonable grounds for suspicion, the member of staff forming the suspicion must fulfil their legal obligation by submitting a money laundering suspicion report to the MLRO, in the format specified by the MLRO for that purpose. The responsible AC Officer must recognise this legal requirement and assist the staff member in fulfilling it.
  12. A member of staff who forms or is aware of a suspicion of money laundering shall not discuss it with any outside party, or any other member of staff unless directly involved in the matter causing suspicion.
  13. No member of staff shall at any time disclose a money laundering suspicion to the person suspected (including an outside party). If circumstances arise that may cause difficulties, the member of staff must seek and follow the instructions of the MLRO.
  14. No copies or records of money laundering suspicion reports are to be made, except by the MLRO who will keep such records secure, and separate from AC Group’s Platform User accounts and other repositories of information.

POLICY AND PROCEDURE FOR FORMAL DISCLOSURES TO THE AUTHORITIES

POLICY

It is the policy of AC Group that the Money Laundering Reporting Officer (or if absent, the deputy MLRO) shall receive and evaluate internal suspicion reports, and decide whether a formal disclosure is to be made to the authorities. If so deciding, the MLRO will make the formal disclosure on behalf of AC Group, using the appropriate mechanism.

CONTROLS AND PROCEDURES

  1. On receipt of a money laundering suspicion report from a member of staff, the MLRO shall acknowledge its receipt in writing, referring to the report by its date and unique file number, without including the name of the person(s) suspected. This confirms to the member of staff that their legal obligation to report has been fulfilled.
  2. The MLRO shall open and maintain a log of the progress of the report. This log shall be held securely and shall not form part of the Platform User account.
  3. Following receipt of a report, the MLRO shall gather all relevant information held within AC Group, and make all appropriate enquiries of members of staff anywhere in AC Group, in order properly to evaluate the report. The MLRO shall then decide whether they personally believe there are reasonable grounds for suspicion, and make a decision on AC Group’s obligation to make a formal disclosure to the authorities.
  4. Before actually making a formal disclosure to the authorities, the MLRO will have to seek advice from AC Group’s owner. AC Group’s owner will have the final decision on whether to make a formal disclosure to the authorities.
  5. All members of staff, anywhere in AC Group, shall respond in full to all enquiries made by the MLRO for the purposes of evaluating a suspicion report. Information provided to the MLRO in response to such enquiries does not breach any confidentiality/professional privilege, and no member of staff shall withhold information on those grounds.
  6. If it has been decided that a formal disclosure to the authorities is required, the MLRO shall make such disclosure by the appropriate means.
  7. The MLRO shall document in the report log the reasons for deciding to make or not to make a formal disclosure.
  8. The MLRO shall where appropriate inform the originator of the internal report whether or not a formal disclosure has been made.
  9. The MLRO shall inform all those, and only those, members of staff who need to be aware of the suspicion in order to protect them and AC Group from possible money laundering offences in connection with any related business.
  10. Following a formal disclosure, the MLRO shall take such actions as required by the authorities in connection with the disclosure.

POLICY AND PROCEDURE FOR BLOCKING/CONTINUING THE ACCOUNT REGISTRED ON THE PLATFORM FOLLOWING A SUSPICION REPORT

POLICY

It is the policy of AC Group that from the moment a suspicion of money laundering arises, the registered account will be blocked. Neither commercial considerations nor the difficulty in responding to the enquiries of the persons registered on the platform on the matter shall be permitted to take precedence over AC Group’s legal obligations in this regard.

CONTROLS AND PROCEDURES

  1. As soon as a member of staff forms or becomes aware of a suspicion of money laundering, the registered account will be blocked.
  2. If there is any likelihood of the awareness that the registered account has been blocked, for example because an anticipated transaction has not gone through, the member of staff concerned must contact the MLRO for instructions on how to handle the matter.
  3. On receipt of a suspicion report, the MLRO shall instruct the originator of the report and any other staff involved to block the registered account giving rise to suspicion
  4. When an registered account has been blocked, the MLRO shall carry out the evaluation of the suspicion report as quickly as possible to decide whether a disclosure must be made to the authorities.
  5. If the MLRO decides that there are not reasonable grounds to suspect money laundering, he or she will give consent for continuing the registered account on his or her own authority.
  6. If the MLRO decides that a disclosure must be made, he or she will request consent to continue from the AC Group’s owner as quickly as possible. The AC Group’s owner will have the final decision on AC Group’s continuation of the registered account.

POLICY AND PROCEDURE FOR AML TRAINING

POLICY

It is the policy of AC Group that recruitment of all new staff will include assessment as described in section 48(2) of the European Money Laundering Regulations. (source PDF 2018 European directives AML). Screening will take place prior to appointment and at regular intervals during the appointment of all staff.
It is the policy of AC Group that all staff who handle the registered accounts, or access to the registered accounts, shall receive anti-money laundering training to ensure that their knowledge and understanding is at an appropriate level, and ongoing training at least annually to maintain awareness and ensure that AC Group’s legal obligations are met.
It is the policy of AC Group that all staff who handle the registered accounts, or access to personal data relating to such accounts, shall receive training on the law relating to data protection to ensure that their knowledge and understanding is at an appropriate level, and ongoing training at least annually to maintain awareness and ensure that AC Group’s legal obligations are met.
The MLRO shall, in co-operation with AC Group’s training officer and data protection officer, ensure that training is made available to staff according to their exposure to money laundering and data protection risk, and that steps are taken to check and record that training has been undertaken and that staff have achieved an appropriate level of knowledge and understanding.
In the light of the seriousness of the obligations placed on each individual by the Law and the Regulations, and the possible penalties, the MLRO shall ensure that information about these personal obligations is available to all members of staff at all times.
The goal of the training is:

  • To develop AML reflexes
  • rise each staff member awareness, in order to maintain their AML reflexes
  • update collective and operational knowledge of the AML risks
  • train the staff members to detect suspicious cases
  • train these staff members to formalize new type cases with potential risks
  • check the appropriate knowledge of the procedures and the subsequent obligations,

The training of all the newly hired staff is part of their integration process, under the responsibility of the head of internal control. The head of compliance hold the training session. The session can be held by web conference.
The training supports and attendance sheets, must be kept for at least 5 years after the departure of the specific collaborator.

CONTROLS AND PROCEDURES

  1. Post appointment, staff assessment according to section 48(2) of the European Money Laundering Regulations will be incorporated into AC Group’s regular staff appraisal process.
  2. The MLRO will, in co-operation with AC Group’s training officer, evaluate alternative AML training methods, products and services in order to make suitable training activities available to all members of staff who handle the registered accounts.
  3. Suitable training will take into account:
    • the need to achieve a level of knowledge and understanding appropriate to the individual’s role in AC Group
    • the need to maintain that level through ongoing refresher training
    • the practicality of assigning different programs to staff with different roles on a risk- sensitive basis
    • the cost and time-effectiveness of the alternative methods and media available.
  4. The training program will include means of confirming that each individual has achieved an appropriate level of knowledge and understanding, whether through formal testing, assessment via informal discussion, or other means.
  5. Special consideration will be given to the training needs of senior management, and of the compliance team.
  6. The MLRO will:
    • inform every member of staff of the training program that they are required to undertake, and the timetable for completion
    • check that every member of staff has completed the training program assigned to them, issuing reminders to any who have not completed to timetable
    • refer to the business owner any cases where members of staff fail to respond to reminders and have not completed their assigned training
    • keep records of training completed, including the results of tests or other evaluations demonstrating that each individual has achieved an appropriate level of competence.
  7. On completion of a training cycle, the MLRO will ensure the continuity of ongoing training while giving consideration to:
    • the effectiveness of the program completed
    • the need to keep training information up to date with changes in laws, regulations,
    • guidance and practice.
  8. The MLRO will determine the training needs of his or her own role, and ensure that he or she obtains appropriate knowledge and understanding as required to fulfill the obligations of the appointment.

POLICY AND PROCEDURE FOR THE MONITORING AND MANAGEMENT OF COMPLIANCE

POLICY

It is the policy of AC Group to monitor our compliance with legal and regulatory AML requirements and conduct an annual independent AML compliance audit, the findings of which are to be considered and appropriate recommendations for action set out.
AC Group’s owner shall provide the necessary authority and resources for the ongoing implementation of a compliant AML regime.

CONTROLS AND PROCEDURES

  1. The MLRO will monitor continuously all aspects of AC Group’s AML policies and procedures, together with changes and developments in the legal and regulatory environment which might impact AC Group’s business-wide risk assessment. Any deficiencies in AML compliance requiring urgent rectification will be dealt with immediately by the MLRO, who will report such incidents to AC Group’s owner when appropriate and request any support that may be required.
  2. The MLRO will facilitate and assist the independent auditor in conducting an annual audit of AC Group’s AML compliance. This report will include:
    • a summary of AC Group’s money laundering risk profile and vulnerabilities, together with information on ways in which these are changing and evolving
    • a summary of any changes in the regulatory environment(s) in which AC Group operates and the ways in which AC Group is affected
    • a summary of AML activities within AC Group, including the number of internal suspicion reports received by the MLRO and the number of disclosures made to the authorities
    • details of any compliance deficiencies on which action has already been taken, together with reports of the outcomes
    • details of any compliance deficiencies on which action needs to be taken, together with recommended actions and management support required
    • an outline of plans for the continuous development of the AML regime, including ongoing training and awareness raising activities for all relevant staff.
  3. Where management action is indicated, AC Group’s owner will decide the appropriate action to be taken.
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