Condiciones Generales de Uso

GENERAL USER CONDITIONS PLATFORM 10-01-2020

General User Conditions Platform

  1. This document reflects the general terms and conditions applicable on the Platform Services provided by SNV to Users.
  2. Users are provided access to the SNV Platform provided that Users act in accordance with the terms and conditions imposed by SNV. The Platform Services allows Users to purchase Webcam Entertainment Services from the Performers registered on the platform.

Introduction

If You are a visitor or a User / buyer (hereinafter referred to as User) of the Entertainment Webcam Services offered by the Performer on this Platform as exploited by (hereinafter: referred to as SNV), you must consult these General User Conditions Platform.These General User Conditions Platform describe the terms and rules applicable when the User visits this Platform and when he purchases Entertainment Webcam Services from the Performers registered on the Platform.

The General User Conditions Platform constitute all the rules of use of the Platform and govern the relationship between on the one hand you as a User of SNV's Platform and/or customer of Entertainment Webcam Services offered by the Performers on the Platform of SNV, and on the other hand SNV, as a technical Platform. These General User Conditions Platform do not apply to the Entertainment Webcam Services offered by the Performers to Users. SNV does not participate in the offer, sale and delivery of Entertainment Webcam Services offered by the Performer. If you purchase Entertainment Webcam Services from a Performer, an agreement will come in place between you and the Performer, SNV will not be part to this agreement.Before you enter the Platform, you must read carefully and accept these General User Conditions Platform in whole, including the documents and other regulations that are part of it for reference. If you do not wish to accept these General User Conditions Platform or if you do not understand the language used, please leave the Platform.

1. General

1.1. These General User Conditions Platform supersede all prior conditions applicable between SNV and the User with respect to the SNV Platform.
1.2. By effectively using SNV's technical Platform, you are deemed to have accepted these General User Conditions Platform.
1.3. If you have any questions regarding these General User Conditions Platform you can consult the FAQ section (frequently asked questions) or contact SNV via the contact form that you will find on the Platform.
1.4. SNV reserves the right to modify these General User Conditions Platform. SNV will inform the User by placing the new modified General User Conditions Platform on the SNV Platform. In case of explicit request by the duly registered User, SNV will transmit the modified General User Conditions Platform by email or any other means. The changes take effect 14 days after publication or on the date specified in the notification. If the User does not accept the modifications, the relationship between you as a User of SNV's technical Platform and SNV will end, by the effect of the law.

2. Definitions

2.1. (hereinafter: ACW BV): refers to registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2. Direct Payment: the payment by the User to Performer for the Entertainment Webcam Services other than via the E-Wallet.
2.3. Entertainment Webcam Service: service offered and sold by the Performer on this Platform to the User which service is rendered via the webcam.
2.4. E-Wallet (prepaid virtual credit): prepaid virtual credit on the name of the User serving to make discharge payments to the Performers who offer and sell their Entertainment Webcam Services on the SNV Platform. The E-Wallet is not an account but a virtual credit which cannot be refunded to the User.
2.5. Financial Transaction: the transaction by which the User feeds his virtual credit.
2.6. General Conditions E-Wallet: general conditions applicable to the relationship between you as a User of the E-Wallet m and ACW BV.
2.7. General User Conditions Platform: general conditions applicable to the relationship between you as a User of the SNV Platform and SNV.
2.8. Login data: data giving access to the User account.
2.9. Payment Service: allowing Users to exchange money for virtual credits in their E-Wallet which credits the User can only spend for purchasing Entertainment Webcam Services from the Performers on the Platform. A payment from the User results in a discharge payment in respect of that which the User owes to the Performer.
2.10. Performer: the natural person who offers and sells Entertainment Webcam Services to the User via the Platform provided by SNV.
2.11. The Performer account: the personal registration of the Performer on the SNV Platform which contains the Performer's information and his account.
2.12. Performer Name: the name under which the Performer is listed on the SNV Platform.
2.13. Performer Profile: the complete description of the Performer made by the Performer on his personal page.
2.14. Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to use of the SNV Platform including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.15. SNV refers to a company registered in the commercial registry under number 122760, having its offices at the address mentioned below, ECommerce Park Vredenberg, Unit 23. Willemstad, Curacao and related companies and partners of SNV with the exception of the related company ACW BV.
2.16. SNV Platform: the technical Platform of SNV to which a number of websites are linked.
2.17. Start date: the date on which the User accepts the General User Conditions E-Wallet.
2.18. User: the natural person who purchases Entertainment Webcam Services from the Performer.
2.19. User Account: the personal registration of the User on the SNV Platform.
2.20. User Name: the name under which the User is registered on the SNV Platform but also the name which, combined with the personal password, allows access to the User Account.
2.21. User Information: all the information that you place yourself as a User on the SNV Platform or on your User Account, including registration data, feedback and all other messages.

3. User Requirements

3.1. The User must be a person with legal capacity or at least the age of majority in his country of residence and the power to enter into binding contracts.
3.2. The User must not be less than 18 years old and must have reached at least the legal age of use of the Platform.
3.3. The User Account is not transferable, in any form whatsoever.

4. Registration

4.1. To be able to register, the User must choose a User name and a password.
4.2. The User is personally responsible for the use he makes of his username and password.
4.3. The User must take all necessary steps to protect his password.
4.4. The General User Conditions Platform take effect on the date on which the User has registered and has accepted the General User Conditions Platform (effective date).
4.5. Registration as a User is completely free of charges.

5. SNV is only a technical Platform

5.1. SNV acts as a technical Platform allowing the Performer to anonymously provide the Entertainment Webcam Services to the User and the User to anonymously purchase the Entertainment Webcam Services from the Performer. 5.2. SNV does not control the Entertainment Webcam Services offered by the Performer and SNV does not intervene in the Entertainment Webcam Services offered by the Performer.
5.3. SNV only acts as a host. SNV hosts content and information that is placed by the Performer in his account, the Entertainment Webcam Services offered by the Performer and information placed by the User (User Information) in his Account on the Platform.
5.4. SNV does not in any way verify the quality, safety or legality of the Entertainment Webcam Services offered, the Performer's competence to offer Entertainment Webcam Services and the User's ability to purchase Entertainment Webcam Services. SNV therefore does not guarantee the quality, safety or legality of the Entertainment Webcam Services offered, the Performer's competence to offer Entertainment Webcam Services and the User's ability to purchase Entertainment Webcam Services. SNV does not guarantee that the Performer will actually provide the Entertainment Webcam Services offered.
5.5. The User may obtain from the Performer paid Entertainment Webcam Services and also free Entertainment Webcam Services. The User and the Performer will mutually agree upon this.
5.6. The payment by the User to the Performer will be made by any means they have mutually agreed upon. In this respect ACW BV, which is a related company of SNV, offers the possibility for the User to make discharge payments to the Performers by making use of a so-called E-Wallet. The relationship between ACW BV and the User is governed by the General Conditions E-Wallet.
5.7. Under no circumstances is SNV a party to the offer, sale and / or delivery of Entertainment Webcam Services offered by the Performer. Using the E-Wallet offered by ACW BV to the User to pay for the Performer does not change the above.

6. Absence of representation

6.1. SNV on the one hand, and the User on the other, are independent parties. Each of them acts in his own name and on his own behalf.
6.2. These General User Conditions Platform are not intended to establish / create an agency, agency agreement, corporation, joint venture or any other form of cooperation or to establish an employer or franchisor relationship. The above cannot be the subject of the General User Conditions Platform.

7. Entertainment Webcam Services

7.1. The price of the Entertainment Webcam Services offered by the Performer is determined by the Performer himself. The price of the Entertainment Webcam Services offered is mentioned on the personal page of the Performer.
7.2. Entertainment Webcam Services and transactions are not approved and / or validated by SNV.
7.3. The User must ensure for himself that he has the ability to purchase the Entertainment Webcam Service offered by the Performer under the applicable law in his country of origin or in his country of residence.
7.4. It cannot be guaranteed that the Entertainment Webcam Services offered will be harmless for the User, for third parties and/or for their property.

8. Information and actions of the User

8.1. The User is solely responsible for the information he publishes on the SNV Platform.
8.2. Said information as well as all the acts of the User cannot:
a. be inaccurate, incorrect or misleading;
b. be insulting, threatening, damaging, slanderous;
c. infringe copyright, privacy rights or other rights;
d. violate the law and/or any other regulation;
e. contravene public order and / or morality;
f. be obscene, indecent or contain child pornography;
g. incur the liability of SNV and/or cause (in whole or in part) that SNV cannot exploit the Platform;
h. cause SNV's Platform to be broken, damaged or less efficiently operated, or have the effect that the SNV Platform is affected in such a way that its effectiveness or functionality is affected in any way.

9. Privacy and personal data.

9.1. SNV acts as a technical Platform allowing the Performer to anonymously provide Entertainment Webcam Services and the User to anonymously purchase Entertainment Webcam Services. As a result, it is recommended not to publish personal information (e.g. name, address, telephone number, email address, social network account).
9.2. Information about SNV's data protection is mentioned in the Privacy Statement of Users. In particular, it explains how SNV processes the User's personal data and how the User's privacy is respected when purchasing the Entertainment Webcam Services.
9.3. The User is personally responsible for the confidentiality of the corresponding identifiers to his User account and must himself take all reasonable measures to maintain the confidentiality of this information.9.4. SNV will inform the User in the event that his User Account is suspended. SNV will reenable User Account credentials as soon as possible and after the causes of the suspension have been resolved.

10. Fraud/AML/ abuse

10.1. SNV will, in the event of suspected fraud, prohibited transactions or money laundering, carry out an identity check. Failure by the User to cooperate with an identity check may result in the immediate suspension or termination of the relationship between the User and SNV.
10.2. In the event of suspected fraud, prohibited transactions or money laundering, or not complying with the General User Conditions Platform, the User is responsible for all losses suffered by SNV as a result of / or in connection with these actions.

11. Miscellaneous

11.1. In case there will be any payment obligation from the User towards SNV under these General User Conditions Platform, in addition to all other legal rights and remedies available towards the User by SNV, the amount at that moment remaining in the E-Wallet offered by ACW BV for the payment of the Performers, will serve as (partial) payment of such obligation.
11.2. SNV cannot be held responsible towards the User or a third party for any loss incurred by the User due to imposed transaction limits or other recoveries.

12. Litigation

12.1. The User accepts and acknowledges that SNV is not a party and therefore SNV cannot be held responsible for any dispute between the User and the Performer.
12.2. Claims or disputes arising from these General User Conditions Platform must first be reported to SNV online support.

13. Warranties

13.1. The User guarantees that he is over 18 years old. The User also guarantees to have reached at least the legal age of use of the Platform.
13.2. The User guarantees that he will comply with all laws, regulations and regulations applicable to the purchase of Entertainment Webcam Services by the Performers registered on the SNV Platform.
13.3. The User will not (attempt to) initiate, or take advantage of, fraud, prohibited transactions or money laundering, the violation of these General User Conditions Platform or a violation of the law or be in violation of applicable laws and regulations.
13.4. The User is obliged to pay the taxes, fees and commissions that may arise from the use of the SNV Platform.

14. Exclusion of guarantees

14.1. SNV does not warrant that the access to the Platform, the operation of the servers and the Entertainment Webcam Services of the Performer will be permanent, uninterrupted, fast / punctual, secure or infallible.
14.2. To the fullest extent permitted by law, SNV excludes all warranties, conditions or other terms, legal or implicit, quality or speed / punctuality in relation to the use of the Platform by the User.
14.3. SNV does not warrant that the use of the Platform offered by SNV will always meet all User requirements or will be permanent, secure, virus free and infallible.

15. Violation of the General User Conditions Platform

15.1. Without prejudice to the other means available to SNV, SNV has the right to immediately send the User a warning, to temporarily suspend or for an indefinite period the User's Account, to close the User's Account, to refuse to the User access to the use of the Platform when:
a. the User does not respect the General User Conditions Platform or the documents by integral part by reference; or
b. when it proves impossible for SNV to check the accuracy of the information provided by the User; or
c. SNV is of the opinion that the User is guilty of fraudulent activity, fraud, prohibited transactions or money laundering or is involved in, or in any way connected with, such activities; or
d. SNV believes that the User, by its actions, causes or may cause damage to SNV.

16. Limitation of liability of SNV.

16.1. Entertainment Webcam Services offered and purchased on SNV's Platforms are not endorsed by SNV. The User is solely responsible for the legality of his actions. SNV declines any responsibility with regard to any dangerousness or defectiveness of the Entertainment Webcam Services offered on SNV's Platform that may be harmful to physical or mental health.
16.2. In no event shall SNV be liable for any direct or indirect (consequential) damages, including:
* any loss or falsification of data;
* any loss of profit (suffered directly or indirectly);
* any loss as a result of cybercrime;
* any loss of turnover;
* any loss of reputation;
* any loss of opportunity;
* any indirect, incidental, or other damages, regardless of whether the loss or damage is attributable to any changes made by SNV to the SNV Platform or due to temporary or permanent interruption of the SNV Platform, and regardless of whether it is due to negligence or any other cause attributable to SNV.
16.3. SNV's liability to the User whatever the circumstances is limited, in any event, to the aggregate of the amounts that the User has paid to the Performer(s) as a fee for the Entertainment Webcam Services in the six months preceding the legal act giving rise to the responsibility, the whole with a maximum of 150 €.

17. Compensation

17.1. The User agrees to indemnify and hold SNV harmless against any claim or claim whatsoever including reasonable attorney's fees from any third party that is attributable to or arising from the breach of this contract of use or documents by integral part by reference, a violation of the law or the regulation or an infringement of the rights of a third party by the User.
17.2. When the User has a right or a claim on the Performer or is in dispute with the latter following the use of the SNV Platform, the User has no right of recourse against SNV and the User guarantees SNV against any claim, seeking liability, damages, losses, costs and compensation, including legal costs, known or unknown, in connection with such a claim or such litigation.

18. Announcements and notifications

18.1. Statements, notices and other announcements to the User may be made by post, email, publications on the SNV Platform or by any other reasonable means.
18.2. All notifications to the User will be sent to the email address that he has indicated to SNV during the registration process.

19. Policy rules

19.1. SNV reserves the right to introduce policy rules to supplement or amend the conditions and / or to clarify the applicable provisions. The policy rules are an integral part of these General User Conditions Platform.
19.2. SNV can modify the policy rules. Important changes will be published on the SNV Platform.
19.3. Once these modifications have been published, the User may, within 14 days, inform SNV that he refuses to accept these changes. In that case the relationship between SNV and the User will end.
19.4. The policy rules to which it is referred, and which form part of these General User Conditions Platform are: SNV's privacy policy, GDPR policy as included in the cookie policy and the Users Code of Conduct.

20. Termination of the relationship with SNV

20.1. The General User Conditions Platform apply until the relationship between SNV and the User is terminated as described below.
20.2. If the User wishes to terminate the relationship with SNV, he can do so immediately and free of charge by closing his User account.
20.3. SNV may terminate the relationship with the User at any time without notice when:a. the User has violated an essential provision of the General User Conditions Platform or clearly shows, by the way he acts, that he does not intend or is unable to comply with the essential provisions of the General User Conditions Platform; orb. SNV is obligated by law.
20.4. The termination of the relationship between SNV and the User does not affect the rights, obligations and responsibilities arising from the law which governed the relationship between the User and SNV.

21. Governing Law

21.1. The law of Curaçao is applicable to the relationship between SNV and the User. Any dispute that may arise between the User and SNV, resulting from these General User Conditions Platform or any other agreement or any other action in connection with these General User Conditions Platform will be settled by the Court of Willemstad, Curaçao, except to the extent that binding rules of jurisdiction shall apply.
21.2. In the event of contradiction, whatever it may be, between the English version and a version in another language of the present contract of use, the English version prevails.
21.3. The court in Willemstad, Curaçao has exclusive jurisdiction in case of litigation.

22. Other

22.1. The User acknowledges that the rights and obligations arising from these General User Conditions Platform and all other documents that apply by reference, may be freely and automatically transferred by SNV in the event of a merger, demerger or redemption or any other form of restructuring.
22.2. The titles of the different sections of these General User Conditions Platform are purely indicative and do not necessarily indicate precisely the content of the articles to which they refer.
22.3. If SNV fails to act as a result of not complying by the User or by third parties of these General User Conditions Platform, SNV does not automatically waive the right to act in the face of subsequent or similar violations.
22.4. If SNV does not exercise or enforce a legal right or remedy set forth in these General User Conditions Platform (or to which SNV is entitled in accordance with applicable law), that choice shall not be considered to constitute a waiver of a right on the part of SNV. Nor can that choice be regarded as a waiver of a right to act in relation to subsequent or similar violations. SNV can and still has the right to exercise its rights or to implement the remedies.
22.5. The provisions of the articles bearing the titles: "8. Information and actions of the User", "13. Warranties", "16. Limitations of responsibility of SNV", "18. Announcements and notifications", "21. Governing law" and "22. Other" and other provisions and charges thereunder continue to apply after the termination of the relationship between SNV and the User.
22.6. These General User Conditions Platform together with the documents that form part thereof by reference and the policy rules followed govern the entire relationship between the User and SNV.

Code of Conduct for Users

For buying the services from the Performers who are registered on the platform of (the Platform) (the Entertainment Webcam Services), the Users need to open an Users Account on the Platform and in this respect they need to comply with this Code of Conduct.
In addition to the Code of Conduct (also referred to as: “Code”), Users are required to comply with the Users Conditions.
Nothing in this Code of Conduct shall be deemed to amend, limit or otherwise impact any other obligations the User may have to (whether such obligation is written or otherwise) will discontinue the relationship with any User who violates the Code or the law.
The Code is comprised of 3 sections. Section A outlines standards for buying the Entertainment Webcam Services from the Performers registered on the Platform. Section B adds standards relating to business ethics and Section C contains additional provisions.
A. BUYING ENTERTAINMENT WEBCAM SERVICES FROM THE PERFORMERS REGISTERED ON THE PLATFORM
In buying the services from the Performers registered on the Platform, the Users are committed to uphold the human rights as understood by the international community and proclaimed under the Universal Declaration of Human Rights and the International Labour Organization's core conventions.
1. Free Choice
When buying the Entertainment Webcam Services from the Performers registered on the Platform, the Users will comply with the rule that all Performers have to provide the Entertainment Webcam Services via the Platform voluntarily.
2. Child Labour Avoidance
When buying the Entertainment Webcam Services from the Performers registered on the Platform, the Users will comply with the rule that child labour shall not be used under any circumstances. The term "child" refers to any person under the age of 18 or 21 according to the applicable local laws.
3. Non-Discrimination
In buying the Entertainment Webcam Services from the Performers registered on the Platform, the Users must maintain an attitude free of harassment and unlawful discrimination.
B. ETHICS
requires the highest standards of integrity in all interactions between and the Users and in all business interactions between the Users and the Performers registered on the Platform.
1. Business Integrity
In buying the Entertainment Webcam Services from the Performers registered on the Platform any and all forms of corruption, extortion and embezzlement are strictly prohibited.
2. No Improper Advantage
Users are prohibited to use their User Account as an item of value in providing, promising to provide, or offering to provide any item of value, directly or indirectly, to any government or public international organization officials, political parties.
3. Disclosure of Information
Users should not disclose information regarding business activities, structure, financial situation and performance, relating to any other party. Users shall act in accordance with applicable regulations and prevailing industry practices in this area.
4. Intellectual Property, Confidentiality, and Data Privacy
Users are prohibited from using any or third party patented technology, copyrighted materials, or other intellectual property or confidential information without written permission. Users are further prohibited from transferring, publishing, disclosing, or using 's confidential information other than as necessary in the ordinary course of business or as authorized by.
5. Data Privacy Laws and Regulations
Users are required to abide by applicable data privacy laws and regulations.
6. Fair Business
In buying the Entertainment Webcam Services from the Performers registered on the Platform, Users shall maintain all standards of fair business.
C. ADDITIONAL PROVISIONS
1. Conflicts of Interest
Users must be free to act with total objectivity in their relationship with , and thus, must avoid conflicts of interest.
2. Regulatory Officials
Users have to be honest in discussions with regulatory agency representatives and government officials and cooperate with representatives in any internal or external investigations or audits of Users' relationship involving or related to.
3. Contacts
Users shall inform the support if any situation develops that causes the User to act in violation of this Code.
Users are encouraged to promptly contact and to work together in resolving the compliance concern.

GENERAL USER CONDITIONS E-WALLET (10-01-2020)

General User Conditions E-Wallet

  1. This document reflects the general terms and conditions applicable on the Payment Services provided by ACW to Users.
  2. ACW B.V. provides Payment Services to Users by allowing the Users to exchange money for virtual credits in their E-wallet. Users may only spend these credits for purchasing Entertainment Webcam Services from the Performers on the SNV Platform.

Introduction

If You are a User of the E-Wallet (hereinafter referred to as User) offered by (hereinafter: ACW BV) serving to make discharge payments to the Performers who offer and sell their Entertainment Webcam Services on the Platform as exploited by (hereinafter: referred to as SNV Platform and SNV respectively), you must consult these General User Conditions E-Wallet for the use of the E-Wallet (hereinafter: General User Conditions E-Wallet).
These General User Conditions E-Wallet describe the terms and rules applicable when the User uses the E-Wallet as registered and stored by ACW BV to make discharge payments to the Performers for the purchase of the Entertainment Webcam Services offered and sold to him by the Performers registered on the Platform. A User can only apply for the use of the E-Wallet after he has opened a User Account on the SNV Platform.
The General User Conditions E-Wallet constitute all the rules of use of the E-Wallet and govern the relationship between you as a User of the E-Wallet on the one hand and ACW BV as the provider of the E-Wallet on the other hand. These General User Conditions E-Wallet do not apply to the Entertainment Webcam Services sold by the Performers to Users for which the E-Wallet is used as a payment method. ACW BV does not participate in the offer, sale and delivery of Entertainment Webcam Services offered by the Performer. If you purchase Entertainment Webcam Services from a Performer, an agreement will come in place between you and the Performer, ACW BV will not be part to this agreement.

1. General

1.1. These General User Conditions E-Wallet supersede all prior conditions applicable between SNV and the User with respect to the E-Wallet.
1.2. By effectively using the E-Wallet, you are deemed to have accepted these General User Conditions E-Wallet.
1.3. If you have any questions regarding these General User Conditions E-Wallet you can consult the FAQ section (frequently asked questions) or contact ACW BV via the contact form that you will find on the SNV Platform.
1.4. ACW BV reserves the right to modify these General User Conditions E-Wallet. ACW BV will inform the User by placing the new modified General User Conditions E-Wallet on the SNV Platform. In case of explicit request by the duly registered User, ACW BV will transmit the modified General User Conditions E-Wallet by email or any other means. The changes take effect 14 days after publication or on the date specified in the notification. If the User does not accept the modifications, the relationship between you as a User of the E-Wallet and ACW BV will end, by the effect of the law.
1.5. The General User Conditions E-Wallet take effect on the date on which the User has registered and has accepted the General User Conditions E-Wallet (effective date).

2. Definitions

2.1. ACW BV: refers to registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2. Direct Payment: the payment by the User to Performer for the Entertainment Webcam Services other than via the E-Wallet.
2.3. Entertainment Webcam Service: service offered and sold by the Performer on this Platform to the User which service is rendered via the webcam.
2.4. E-Wallet (prepaid virtual credit): prepaid virtual credit on the name of the User serving to make discharge payments to the Performers who offer and sell their Entertainment Webcam Services on the SNV Platform. The E-Wallet is not an account but a virtual credit which cannot be refunded to the User.
2.5. Financial Transaction: the transaction by which the User feeds his virtual credit.
2.6. General Conditions E-Wallet: general conditions applicable to the relationship between you as a User of the E-Wallet m and ACW BV.
2.7. General User Conditions Platform: general conditions applicable to the relationship between you as a User of the SNV Platform and SNV.
2.8. Login data: data giving access to the User account.
2.9. Payment Service: allowing Users to exchange money for virtual credits in their E-Wallet which credits the User can only spend for purchasing Entertainment Webcam Services from the Performers on the Platform. A payment from the User results in a discharge payment in respect of that which the User owes to the Performer.
2.10. Performer: the natural person who offers and sells Entertainment Webcam Services to the User via the Platform provided by SNV.
2.11. The Performer account: the personal registration of the Performer on the SNV Platform which contains the Performer's information and his account.
2.12. Performer Name: the name under which the Performer is listed on the SNV Platform.
2.13. Performer Profile: the complete description of the Performer made by the Performer on his personal page.
2.14. Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to use of the SNV Platform including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.15. SNV refers to a company registered in the commercial registry under number 122760, having its offices at the address mentioned below, ECommerce Park Vredenberg, Unit 23. Willemstad, Curacao and related companies and partners of SNV with the exception of the related company ACW BV.
2.16. (SNV) Platform: the technical Platform of SNV to which a number of websites are linked.
2.17. Start date: the date on which the User accepts the General User Conditions E-Wallet.
2.18. User: the natural person who purchases Entertainment Webcam Services from the Performer.
2.19. User Account: the personal registration of the User on the SNV Platform.
2.20. User Name: the name under which the User is registered on the SNV Platform but also the name which, combined with the personal password, allows access to the User Account.
2.21. User Information: all the information that you place yourself as a User on the SNV Platform or on your User Account, including registration data, feedback and all other messages.

3. User Requirements

3.1. The User must be a person with legal capacity and the power to enter into binding contracts.
3.2. The User must not be less than 18 years old or at least the age of majority in his country of residence and must have reached at least the legal age of use of the Platform.
3.3. The E-Wallet is not transferable, in any form whatsoever.

4. E-Wallet

4.1. The E-Wallet is a virtual asset registered with ACW BV to the credit of the User upon placing of funds by the User, and serves to allow the User to make discharge payments to the Performers for Entertainment Webcam Services purchased from the Performers.
4.2. The User can only apply for registration of the E-Wallet with ACW BV with his User Account on the SNV Platform.
4.3. ACW BV provides Payments Services to Users by allowing the Users to exchange money for virtual credits in their E-Wallet which credits the User can only spend for purchasing Entertainment Webcam Services from the Performers on the SNV Platform. A payment from the User by means of the E-Wallet results in a discharge payment in respect of that which the User owes to the Performer for the purchase of the Entertainment Webcam Services from the Performer.
4.4. The User acknowledges that, in the event of purchase of a Performer Service, the amount due to the Performer will be deducted directly and automatically from his virtual credit in order to make a discharge payment to the Performer.
4.5. The E-Wallet is not an account but a virtual asset.
4.6. ACW BV sets daily loading limits for the E-Wallet to comply with the AML rules.
4.7. In any case, the E-Wallet cannot be considered as a deposit.
4.8. In no case does ACW BV pay interest on the balance of the E-Wallet.
4.9. ACW BV does not charge any fees to the User for the use of the E-Wallet.
4.10. The E-Wallet and/or the funds placed is not refundable.
4.11. The User agrees that he will not give access (or attempt to give access) to the E-Wallet to third parties.
4.12. The User may not undertake any activity that could hinder or interfere with the operation of the E-Wallet (or the servers and networks to which the E-Wallet is connected).
4.13. The User is prohibited from reproducing, duplicating, copying, selling, exchanging the E-Wallet.
4.14. Use of the E-Wallet by the User is completely free of charges.
4.15. Payment via the E-Wallet guarantees the anonymity of the User and the Performer. Only the name chosen by the User and the Performer on the Platform will be visible.
4.16. Under no circumstances is ACW BV a party to the offer, sale and / or delivery of Entertainment Webcam Services offered by the Performer. Using the E-Wallet to pay for the Performer does not change the above.

5. Direct payment

5.1. The Performer may be paid by the User for his Entertainment Webcam Services other than via the E-Wallet. The payment by the User to the Performer will then be made by any means they have mutually agreed upon.

6. Absence of representation.

6.1. ACW BV on the one hand, and the User on the other, are independent parties. Each of them acts in his own name and on his own behalf.
6.2. These General User Conditions E-Wallet are not intended to establish / create an agency, agency agreement, corporation, joint venture or any other form of cooperation or to establish an employer or franchisor relationship. The above cannot be the subject of the General User Conditions E-Wallet.

7. Information of the User

7.1. The User is solely responsible for the information he provides in order to make use of the E-Wallet.
7.2. Said information of the User cannot:
a. be inaccurate, incorrect or misleading;
b. violate the law and/or any other regulation;
c. incur the liability of ACW BV and/or cause (in whole or in part) that ACW BV cannot operate the E-Wallet;
d. cause the E-Wallet to be broken, damaged or less efficiently operated, or have the effect that the E-Wallet is affected in such a way that its effectiveness or functionality is affected in any way.

8. Privacy and personal data

8.1. ACW BV operates an E-Wallet allowing the User to anonymously pay for the Entertainment Webcam Services purchased from Performer. As a result, it is recommended not to publish personal information (e.g. name, address, telephone number, email address, social network account).
8.2. Information about ACW BV's data protection is mentioned in the Privacy Statement of Users. In particular, it explains how ACW BV processes the User's personal data and how the User's privacy is respected when using the E-Wallet.
8.3. The User is personally responsible for the confidentiality of the corresponding identifiers to his User account and thus to the information in respect of the E-Wallet and must himself take all reasonable measures to maintain the confidentiality of this information.
8.4. ACW BV will inform the User in the event that his E-Wallet is suspended. ACW BV will reenable the use of the E-Wallet credentials as soon as possible and after the causes of the suspension have been resolved.

9. Fraud/AML/ abuse

9.1. SNV and/or ACW BV will, in the event of suspected fraud, prohibited transactions or money laundering, carry out an identity check. Failure by the User to cooperate with an identity check may result in the immediate suspension of the use of the E-Wallet and termination of the relationship between the User and ACW BV.
9.2. The User acknowledges that ACW BV may block a transaction, a payment order or any use of the E-Wallet when ACW BV reasonably suspects a case of fraud, prohibited transactions or money laundering, the violation of these General User Conditions E-Wallet or a violation of the law. When ACW BV blocks a transaction or payment order, the User is informed unless ACW BV is legally prevented from doing so.
9.3. In the event of suspected fraud, prohibited transactions or money laundering, or not complying with the General User Conditions E-Wallet, the User is responsible for all losses suffered by ACW BV as a result of / or in connection with these actions.

10. Miscellaneous

10.1. In case there will be any payment obligation from the User towards ACW BV under these General User Conditions E-Wallet, in addition to all other legal rights and remedies available towards the User by ACW BV, the amount at that moment remaining in the E-Wallet will serve as (partial) payment of such obligation.
10.2. ACW BV cannot be held responsible towards the User or a third party for any loss incurred by the User due to imposed transaction limits or other recoveries.

11. Litigation

11.1. The User accepts and acknowledges that ACW BV cannot be held responsible for any dispute between the User and the Performer.
11.2. Claims or disputes arising from these General User Conditions E-Wallet must first be reported to ACW BV online support.

12. Warranties

12.1. The User guarantees that he is over 18 years old of at least the age of majority in his country of residence. The User also guarantees to have reached at least the legal age of use of the Platform.
12.2. The User guarantees that he will comply with all laws, regulations and regulations applicable to the use of the E-Wallet.
12.3. The User will not (attempt to) initiate, or take advantage of, fraud, prohibited transactions or money laundering, the violation of these General User Conditions E-Wallet or a violation of the law or be in violation of applicable laws and regulations.
12.4. The User is obliged to pay the taxes, fees and commissions that may arise from the use of the E-Wallet.

13. Exclusion of guarantees

13.1. ACW BV does not warrant that the operation of the E-Wallet, the operation of the servers and the Entertainment Webcam Services of the Performer will be permanent, uninterrupted, fast / punctual, secure or infallible.
13.2. To the fullest extent permitted by law, ACW BV excludes all warranties, conditions or other terms, legal or implicit, quality or speed / punctuality in relation to the use of the E-Wallet by the User,
13.3. ACW BV does not warrant that the use of the E-Wallet will always meet all User requirements or that the operation of the E-Wallet will be permanent, secure, virus free and infallible.

14. Violation of the General User Conditions E-Wallet

14.1. Without prejudice to the other means available to ACW BV, ACW BV has the right to immediately send the User a warning, to temporarily suspend or for an indefinite period the User's E-Wallet, to close the User's E-Wallet, to refuse to the User access to the use of the E-Wallet when:
a. the User does not respect the General User Conditions E-Wallet or the documents by integral part by reference; or
b. when it proves impossible for ACW BV to check the accuracy of the information provided by the User; or
c. ACW BV is of the opinion that the User is guilty of fraudulent activity, fraud, prohibited transactions or money laundering or is involved in, or in any way connected with, such activities; or
d. ACW BV believes that the User, by its actions, causes or may cause damage to ACW BV.

15. Limitation of liability of ACW BV

15.1. In no event shall ACW BV be liable for any direct or indirect (consequential) damages, including:
* any loss or falsification of data;
* any loss as a result of cybercrime;
* any loss of profit (suffered directly or indirectly);
* any loss of turnover;
* any loss of reputation;
* any loss of opportunity;
* any indirect, incidental, or other damages, regardless of whether the loss or damage is attributable to any changes made by ACW BV to the E-Wallet or due to temporary or permanent interruption of the E-Wallet, and regardless of whether it is due to negligence or any other cause attributable to ACW BV.
15.2. ACW BV's liability to the User - whatever the circumstances - is limited, in any event, to the aggregate of the amounts that the User has paid to the Performer through the E-Wallet in the six months preceding the legal act giving rise to the responsibility, the whole with a maximum of 150 €.

16. Compensation

16.1. The User agrees to indemnify and hold ACW BV harmless against any claim or claim whatsoever including reasonable attorney's fees from any third party that is attributable to or arising from the breach of this contract of use or documents by integral part by reference, a violation of the law or the regulation or an infringement of the rights of a third party by the User.
16.2. When the User has a right or a claim on the Performer or is in dispute with the latter following the use of the E-Wallet, the User has no right of recourse against ACW BV and the User guarantees ACW BV against any claim, seeking liability, damages, losses, costs and compensation, including legal costs, known or unknown, in connection with such a claim or such litigation.

17. Announcements and notifications

17.1. Statements, notices and other announcements to the User may be made by post, email, publications on the SNV Platform or by any other reasonable means.
17.2. All notifications to the User will be sent to the email address that he has indicated to ACW BV during the registration process.
17.3. The User can consult free of charge the transactions carried out with his E-Wallet. The User agrees that he will not receive a statement in paper form.

18. Policy rules

18.1. ACW BV reserves the right to introduce policy rules to supplement or amend the conditions and / or to clarify the applicable provisions. The policy rules are an integral part of these General User Conditions E-Wallet.
18.2. ACW BV can modify the policy rules. Important changes will be published on the SNV Platform.
18.3. Once these modifications have been published, the User may, within 14 days, inform ACW BV that he refuses to accept these changes. In that case the relationship between ACW BV and the User will end.
18.4. The policy rules to which it is referred, and which form part of these General User Conditions E-Wallet are: privacy policy, GDPR policy as included in the cookie policy and the Users Code of Conduct.

19. Termination of the relationship with ACW BV

19.1. The General User Conditions E-Wallet apply until the relationship between ACW BV and the User is terminated as described below.
19.2. If the User wishes to terminate the relationship with ACW BV, he can do so immediately and free of charge by closing his User Account as a result of which the E-Wallet will also be closed. The User has no right of refund of the remaining credits.
19.3. ACW BV may terminate the relationship with the User at any time without notice when:
a. the User has violated an essential provision of the General User Conditions E-Wallet or clearly shows, by the way he acts, that he does not intend or is unable to comply with the essential provisions of the General User Conditions E-Wallet; or
b. ACW BV is obligated by law for example, when the provision of the E-Wallet to the User is not or will not be legally authorized.
19.4. The termination of the relationship between ACW BV and the User does not affect the rights, obligations and responsibilities arising from the law which governed the relationship between the User and ACW BV.
19.5 The relationship between ACW BV and the User in respect of the E-Wallet is automatically terminated if the relationship between SNV and the User in respect of the use of the Platform is terminated.

20. Governing Law

20.1. The law of the Netherlands is applicable to the relationship between ACW BV and the User. Any dispute that may arise between the User and ACW BV, resulting from these General User Conditions E-Wallet or any other agreement or any other action in connection with these General User Conditions E-Wallet will be settled by the Court of The Hague, except to the extent that binding rules of jurisdiction shall apply.
20.2. In the event of contradiction, whatever it may be, between the English version and a version in another language of the present contract of use, the English version prevails.
20.3. The court in The Hague has exclusive jurisdiction in case of litigation.

21. Other

21.1. The User acknowledges that the rights and obligations arising from these General User Conditions E-Wallet and all other documents that apply by reference, may be freely and automatically transferred by ACW BV in the event of a merger, demerger or redemption or any other form of restructuring.
21.2. The titles of the different sections of these General User Conditions E-Wallet are purely indicative and do not necessarily indicate precisely the content of the articles to which they refer.
21.3. If ACW BV fails to act as a result of not complying by the User or by third parties of these General User Conditions E-Wallet, ACW BV does not automatically waive the right to act in the face of subsequent or similar violations.
21.4. If ACW BV does not exercise or enforce a legal right or remedy set forth in these General User Conditions E-Wallet (or to which ACW BV is entitled in accordance with applicable law), that choice shall not be considered to constitute a waiver of a right on the part of ACW BV. Nor can that choice be regarded as a waiver of a right to act in relation to subsequent or similar violations. ACW BV can and still has the right to exercise its rights or to implement the remedies.
21.5. The provisions of the articles bearing the titles: "7. Information and actions of the User", "12. Warranties", "15. Limitations of liability ", "17. Announcements and notifications", "20. Governing law" and "21. Other" and other provisions and charges thereunder continue to apply after the termination of the relationship between ACW BV and the User.
21.6. These General User Conditions E-Wallet together with the documents that form part thereof by reference and the policy rules followed govern the entire relationship between the User and ACW BV.

AGREEMENT BETWEEN ACW AND INDEPENDENT PERFORMER REGARDING THE PROVISION OF PAYMENT SERVICES (10-01-2020)

Agreement between ACW and Performer regarding the Provision of Payment Services

  1. This document reflects the general terms and conditions applicable on the Payment Services provided by ACW to Performers.
  2. At the instructions of Users, ACW will debit the Users E-Wallet for the discharge payment of Entertainment Webcam Services the Performer has provided to Users. Consequently, ACW will credit the Performer Payment Account. Before crediting the Performer Payment Account, ACW will deduct: (i) the Platform Fees due by the Performer and credit SNV. (ii) the Payment Service Fee due by the Performer and credit ACW.

This Agreement describes the general terms & conditions that apply when you use the Payment Service (Billing) offered by ACW BV.
This Agreement constitutes a legally valid contract determining the relationship between you, as the Performer and ACW BV
Before you can make use of the Payment Services you need to carefully read and accept all the conditions and stipulations of this Agreement, including the documents and Policy Rules that are part of this Agreement.

1. General

1.1 This Agreement replaces all previous agreements between the Performer and a company of the AC Group.
1.2 In the case of questions about this Agreement the Performer can consult the FAQ page (Frequently Asked Questions) or contact ACW BV via the online contact form of ACW BV.
1.3 ACW BV has the right to make changes to this Agreement. ACW BV will notify the Performer of such changes by means of placing the new, amended Agreement on the SNV Platform, by means of an email to the registered Performer by other means. The changes take effect on the date specified in the notification. If the Performer is unable to agree with the changes this 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.

2. Definitions

2.1 ACW BV: being a company registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2 AC Group: companies which are directly and indirectly held by AC Media Connect Holding BV, AC Media Connect Holding BV.
2.3 AC Media Connect Holding BV: a company registered in the commercial registry under number 6863636628, having its offices at Beursplein 37, 3011 AA, Rotterdam.
2.4 : a company having its offices at E-commerce Park Vredenberg, Unit 23, Willemstad, Curacao, Netherlands Antilles, registered under number 12276
2.5 Affiliates: third parties with whom has concluded agreements to provide and offer marketing services to the Performers.
2.6 Entertainment Webcam Service: a service offered and sold by the Performer to the User.
2.7 Entertainment Webcam Service Fee: the fee the User pays to the Performer for the sale of the Entertainment Webcam Service by the Performer to the User.
2.8 E-Wallet: virtual credit balance registered by ACW BV upon receipt of funds from the User. The User's E-Wallet is stored in the ACW BV computer system. The E-Wallet is not a bank account but a virtual balance.
2.9 Financing Transaction: the transaction in which the User deposits credits into his/her virtual balance (E-Wallet).
2.10 General Platform Fees: the fee that SNV charges to the Performer for the General Platform Service.
2.11 General Platform Services: the services provided to the Performer for the use of the SNV Platform in return for payment, which services may fully be performed by SNV and/or partly by Affiliates under a contract concluded by and the Affiliates.
2.12 General Platform Services Agreement: the general terms & conditions that apply to the relationship between the Performer and SNV in relation to the provision of the General Platform Services to the Performers.
2.13 Micro Company: an enterprise which qualifies under the definition of Micro Company for VAT purposes in your country of residence.
2.14 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.
2.15 Payment Instruction: the authorisation the User gives ACW BV 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.
2.16 Payment Service: a service provided by ACW BV to the Performer by crediting the Performer Payment Account, upon the debiting of a virtual credit balance held by the User (E-Wallet), for the discharge payment of Entertainment Webcam Services the Performer has sold to the User.
2.17 Payment Service Agreement: the agreement as concluded by ACW and the Performer on the basis of which ACW BV renders Payment Service to the Performer (this Agreement).
2.18 Payment Service Fee: the fee that ACW BV charges to the Performers for the Payment Service.
2.19 Payment Transaction: the transaction in which ACW BV transfers the credits held in the Performer's Payment Account into the bank account of the Performer.
2.20 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. Wherever the word ‘Performer’ is used this may also be read as ‘you’.
2.21 Performer Account: the Performer's personal registration on the SNV Platform containing the personal information of the Performer (Performer's Profile and the Performer's Name).
2.22 Performer Information: all the information you, as a Performer, put on the SNV Platform and/or on the Performer’s Account, including registration details, pictures, videos, feedback and all other communications.
2.23 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.
2.24 Performer Payment Account: the Performer's current account with ACW BV, to which – ACW BV credits the payments made and approved by Users for the purchase of the Webcam Entertainment Services provided by the Performer and to which ACW BV debits amounts owed to ACW BV and/or to SNV by the Performer.
2.25 Performer's Profile: the full personal and physical description of the Performer.
2.26 Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to the relationship between the Performer and any member of the AC Group as a result of any agreement concluded between the two including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.27 Reservation Requirement: the amount that ACW BV reserves temporarily in accordance with the General Platform Services Agreement to cover possible payment cancellations by Users.
2.28 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
2.29 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.
2.30 Third Party: any party except the Performer and ACW BV.
2.31 Transaction Fees: the costs associated with the Payment Transaction.
2.32 User: a person who purchases Entertainment Webcam Services from the Performer via a Website connected to the technical Platform of SNV and who uses the User Payment Service (E-Wallet) in order to make the discharge payment of the Entertainment Webcam Services the Performer has provided and sold to the User.
2.33 User Account: the User's personal registration on the SNV technical SNV Platform.
2.34 User Payment Service: service offered by ACW BV to the User whereby the User can obtain – upon placing of funds by the User - a prepaid virtual credit on his name to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform. The Payment Service does not constitute an account but a Virtual Credit which cannot be refunded to the User.
2.35 Virtual Credit: a non-refundable virtual asset registered with ACW BV to the credit of the User upon placing of funds by the User which serves for the User to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform.
2.36 Website: a website linked to the technical Platform of SNV.

3. Payment Services

3.1 ACW BV will debit the Users E-Wallet for the discharge payment of Entertainment Webcam Services the Performer has provided to Users. Consequently, ACW will credit the Performer Payment Account. On Payment day ACW BV effectuates the Payment Transaction retaining the Payment Service Fee and the General Platform Service Fee.
3.2. The Performer can only apply for registration of the Payment Services with ACW BV with his Performer Account on the SNV Platform as laid down in the General Platform Services Agreement the Performer has concluded with SNV. It is not possible for a Performer to apply for the Payment Services if this Performer has not opened a Performer Account on the SNV Platform.
3.3. In principle the information provided by the Performer for opening his Performer Account is used for applying for the Payment Services and opening the Performer Payment Account albeit that ACW BV is entitled to ask any additional information from the Performer which is considered to be necessary by ACW BV in respect of the application of the Performer for the Payment Services.
3.4. The Performer is obliged to provide complete, up to date and correct registration information and information in respect of his Performer Account and his Performer Payment Account and to update this information on a regular basis to keep it current and correct.
3.5. The Performer agrees that:
a. the sale of the Webcam Entertainment Services constitutes a transaction between the Performer and the User; ACW BV is not a party to this sale.
b. ACW BV is not responsible for and has no influence on the completion or the payment of the Entertainment Webcam Service Fee for the Entertainment Webcam Service Services purchased by the User from the Performer.
c. The Studio has to comply with the VAT legislation in his country of residence in respect of the sale of the Entertainment Webcam Services to the Users.
3.6. If a Financing Transaction is reversed for whatever reason (cancellation), ACW BV is entitled to recover the payment from the Performer by debiting the previously credited amount back from the Performer's Payment Account.
3.7. ACW BV has a Reservation Requirement of 5 percent of the amount of the Webcam Entertainment Services the User has purchased from the Performer. The Reservation Requirement is a temporary reserve (180 days) to cover potential payment cancellations by the User.
3.8. ACW BV can suspend a Payment Transaction if ACW BV, at its own discretion, suspects that the Payment Transaction: is based on a factual error, is fraudulent or is made using a fraudulent or invalid method of payment and/or is a possible case of money laundering.
3.9. ACW BV will notify the Performer about the suspension of any Payment Transaction.
3.10. ACW BV is entitled to deduct all payment obligations that ACW BV may accrue under this Agreement from the Performer's Payment Account, in addition to all other rights and legal means available to ACW BV pursuant to this Agreement.
3.11. ACW BV 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.

4. Payment Services Fee

4.1. ACW BV renders the Payment Services to the Performer against a Payment Service Fee. ACW BV will deduct this Payment Service Fee from the discharge payments made by Users to Performers for the Webcam Entertainment Services provided by the Performer.
4.2. The amount of the Payment Transaction is on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amount is retained by ACW BV to cover the payment of the invoices due by the Performer for the Payment Services and to cover the payment of the invoices due by the Performer for the General Platform Services.
4.3 The Performer has the right to download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Entertainment Webcam Service Fees as set out above.
4.4 Transaction Fees may apply depending on the chosen payment method as laid down in the Performer Account.

4.5 ACW BV is entitled to change the Payment Service Fee and/or the Transaction Fee the Performer is due to ACW BV. The changes take effect on the date specified in the notification of such change. If, in the 14 days after this change, the Performer notifies ACW BV that he/she does not accept the changes in question, question the Payment Service Agreement and the right to use the Payment Services will terminate immediately upon receipt of this notification.

5. Additional conditions Payment Service

5.1. The Performer agrees that:
a. the Performer’s Payment Account may not be a deposit account;
b. ACW BV is not required to pay the Performer interest on any balance in the Performer’s Payment Account.
5.2. The Performer agrees and acknowledges that ACW BV is not a party to and is not responsible for any dispute between the User and the Performer.
5.3. Any dispute with respect to the Payment Service must, in the first instance, be reported to the online support team of the AC Group.

6. General Platform Fee

6.1 There is no charge for registering as a Performer on the SNV Platform.
6.2 SNV renders the General Platform Services to the Performer against an General Platform Fee.
6.3 Performer hereby instructs ACW BV to deduct this General Platform Fee from the discharge payment made by Users to Performers for the Webcam Entertainment Services.
6.4 The amount of the Payment Transaction is based on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amount is retained by ACW BV to cover the payment of the invoices due by the Performer for the Payment Services and to cover the payment of the invoices due by the Performer for the General Platform Services.
6.5 The Performer has the right to download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Entertainment Webcam Service Fees as set out above.
6.6 SNV NV is entitled to change the General Platform Services Fee. The changes take effect on the date specified in the notification of such change. If, in the 14 days after this change, the Performer notifies SNV NV that he/she does not accept the changes in question, this Agreement will terminate immediately upon receipt of this notification.
6.7 ACW BV will charge Dutch VAT on the Payment Services Fee on the basis of Dutch VAT legislation. Charging VAT on the Payment Services does not affect the amount of the Payment Transaction nor the VAT position of the Performer in his country of residence with respect to the Webcam Entertainment Services sold to the User.

7. No representation

7.1 ACW BV on the one hand and the Performer on the other are independent parties; each party acts only in its own name and on its own behalf.
7.2 It is not the purpose of this Payment Service 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 Payment Service Agreement consequently does not create any of the above.

8. Guarantees

8.1 Each party declares and guarantees that he/she/it is legally competent and authorised to sign this Payment Service Agreement.
8.2 The Performer guarantees ACW BV that he/she is at least 18. If the legislation in the country of the Performer differs from this rule the Performer must be at least 21. For this purpose the Performer will supply a copy of a valid ID.
8.3 The Performer guarantees ACW BV that:
a. the Performer will comply with all the laws, regulations and bylaws that apply to the Performer’s use of the Payment Service;
b. the Performer will comply with (the rules resulting) from the Payment Services Agreement;
c. the Performer will comply with the national legislation of the country in which the Performer is located;
d. 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;
e. the Performer will pay all taxes, levies and commissions which will be due for the Performer in respect of the use of the Payment Services and/or the SNV Platform and/or the use of the General Platform Services and/or the provision of the Entertainment Webcam Services to the User.
8.4 The Performer indemnifies and/or shall be liable for any damage sustained by ACW BV as a result of non-compliance with the stipulations of section 8.3 of the present article. The Performer cannot exculpate itself towards ACW BV 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.
8.5 ACW BV guarantees the Performer that the Payment Service will be provided with reasonable care and professionalism.
8.6 ACW BV does not guarantee that the Payment Service will meet all of the Performer’s requirements or that the Payment Service will function uninterruptedly, be virus-free, safe or error-free.

9. Announcements and notification

9.1 Declarations, notifications and other announcements from ACW BV to the Performer can be made by post, email, via publications on the SNV Platform or by any other reasonable method.
9.2 The Performer agrees that ACW BV can send the Performer electronic messages that relate to the Performer’s use of the Payment Service or any other matter.

10. Information and actions on the part of the Performer

10.1 The Performer is solely responsible and liable for the information he provides in order to make use of the Payment Services. The Performer is obliged to comply with all the applicable national, European and international regulations relating to the activities and Services offered on the SNV Platform.
10.2 This information from and any actions and/or Services by the Performer cannot:
a. be inaccurate, incorrect or misleading;
b. be insulting, threatening, damaging, slanderous;
c. infringe copyright, privacy rights or other rights;
d. violate the law and/or any other regulation;
e. contravene public order and / or morality;
f. be obscene, indecent or contain child pornography;
g. incur a liability for ACW BV and/or cause (in whole or in part) that ACW BV cannot operate the Payment Services;
h. cause the operation of the Payment Services by ACW BV to be broken, damaged or less efficiently rendered, or have the effect that the provision of the Payment Services is affected in such a way that its effectiveness or functionality is affected in any way.

11. Fraud, money laundering and terrorism financing

11.1 Without prejudice to any other legal remedy, ACW BV can suspend or terminate the Performer's Payment Account, if actions on the part of the Performer cause ACW BV to reasonably suspect or give the impression that there is any form of involvement or association with fraudulent activities (fraud and terrorism financing), prohibited transactions or money laundering, the violation of this Agreement or a violation of the law.
11.2 If the Performer commits fraud, is involved in prohibited transactions or money laundering or terrorism financing, or deliberately or as a result of gross negligence fails to comply with the stipulations of this Agreement or the law, the Performer is liable for all loss suffered in relation to the unlawful transactions.
11.3. The Performer acknowledges that ACW BV may block a transaction, a payment order or any use of the Payment Services when ACW BV reasonably suspects a case of fraud, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law or terrorism financing. When ACW BV blocks a transaction or payment order, the Performer is informed unless ACW BV is legally prevented from doing so.
11.4. In the event of suspected fraud, prohibited transactions, terrorism financing or money laundering, or not complying with this Agreement, ACW BV may as a result declare the transaction to the relevant authorities without informing the Performer.

12. Violation of this Agreement

12.1 Without prejudice to any other means available to ACW BV, ACW BV has the right to send the Performer an immediate warning, suspend or terminate the Performer’s Payment Account temporarily or indefinitely and refuse to provide the Payment Services to the Performer if:
a. the Performer violates this Agreement, the General Platform Services Agreement or the documents that form an integral part of this Agreement and/or the General Platform Services Agreement for reference purposes;
b. it proves impossible for ACW BV to verify the correctness of the information provided by the Performer; or
c. ACW BV suspects that the Performer is engaged in, will be engaged in or is in any way involved or associated with fraudulent activities, terrorism financing, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law;
d. ACW BV feels that by his/her actions the Performer will or may cause damage to ACW BV.

13. Limitation of liability ACW BV

13.1. ACW BV 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 ACW BV has made to the operation of the Payment Service, or due to a permanent or temporary interruption in the Payment Service, and irrespective of any negligence or other cause.
13.2. ACW BV'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 ACW BV in the 6 months preceding the legal action that gives rise to the liability, with a maximum of €100.

14. Account not Assignable

14.1 The Performer Account is non assignable, shall be strictly personal and must not be transferred to or used by any third party.
14.2 Creating a Performer Account for a third party shall be prohibited.

15. Indemnity

15.1 The Performer will compensate ACW BV and protect ACW BV against any entitlement or claim whatsoever including reasonable solicitors’ fees on the part of a third party and that is attributable to or arises from a violation of this Agreement or the documents that form part of the Agreement for reference purposes, a violation of any law or regulation whatsoever or the infringement of the rights of a third party by the Performer.
15.2 If the Performer has an entitlement or claim against or a dispute with a User as a result of the use of the operation of the Payment Services, the Performer indemnifies ACW BV against any claims, liability, damage, loss, costs and fees, including legal fees, known or unknown, that are associated with such an entitlement, claim or dispute.

16. Termination of relationship with ACW BV

16.1 This Agreement will remain in place until such time as it is cancelled by the Performer or by ACW BV, as outlined below. If this Agreement is cancelled this means that the Performer Payment Account will be closed by ACW BV.
16.2 If the Performer wishes to terminate this Agreement with ACW BV, the Performer can do so at any time and free of charge by closing the Performer’s Account as a result of which the provision of the Payment Services by ACW BV to the Performer under this Agreement will also terminate.
16.3 ACW BV can terminate this Agreement at any time without prior notice if:
a. the Performer has violated an essential stipulation of this Agreement or has made it clear by his/her actions that he/she does not intend to comply or is not capable of complying with the essential stipulations of this Agreement; or
b. ACW BV is legally obliged to do so.
16.4 The termination of this Agreement does not affect the legal rights, obligations and responsibilities the Performer and ACW BV have used, that have applied to the relationship between the Performer and ACW BV, or that arose in the period that this Agreement was in effect or for which it is stipulated that they remain valid for an indefinite period.
16.5 Upon termination of this Agreement or any other termination of the use of the Payment Service by the Performer the Performer remains responsible for all cancellations and recovery costs.

17. Applicable law

17.1 Dutch law applies to this Agreement. Any disputes that arise or may arise between the Performer and ACW BV as a result of this Agreement or subsequent agreements or other actions in relation to this Agreement will be settled by the competent courts in the Netherlands.
17.2 This Agreement is drawn up in the English language. In the event of a conflict between the English version of this Agreement and a version in another language, the English version will prevail.

18. Other

18.1 The Payment Service referred to in this Agreement is supplied by ACW BV.
18.2 The Performer agrees that ACW BV can freely and by operation of law transfer the rights and obligations arising from this Agreement and from all the documents that apply for reference purposes in the event of a merger, division, takeover or other restructuring.
18.3 The titles of the various sections of this Performer’s Agreement are indicative only and do not necessarily give an exact indication of the content of the articles to which they refer.
18.4 If ACW BV fails to act in respect of a violation of this Agreement by the Performer or by others ACW BV does not automatically waive the right to act in respect of later or similar violations.
18.5 If ACW BV does not exercise or enforce a legal right or legal remedy referred to in this Agreement (or to which ACW BV is entitled in accordance with the applicable law) this cannot be considered a waiver of the rights of ACW BV. Neither can it be considered a waiver of the right to act in respect of later or similar violations. ACW BV can and may always use its rights or legal remedies.
18.6 The provisions in the following articles: ‘9. Announcements and notification’, ‘10. Information and actions on the part of the Performer’, ‘13. Limitation of liability ACW BV’, ‘14. Indemnity’, , ‘16. Applicable law’ and ‘17. Other’ and any other provision insofar as applicable continue to exist after the termination or expiry of this Agreement.
18.7 This Agreement, accompanied by the documents and Policy Rules included for reference purposes, constitutes the entire agreement between the Performer and ACW BV.

AGREEMENT BETWEEN SNV AND PERFORMER REGARDING THE PROVISION OF GENERAL PLATFORM SERVICES (10-12-2020)

Agreement between SNV and Performer regarding the provision of General Platform Services

  1. This document reflects the general terms and conditions applicable on the Platform Services provided by SNV to Performers.
  2. Performers are provided access to the SNV Platform provided that Performers act in accordance with the terms and conditions imposed by SNV. The Platform Services allows Performers to provide Entertainment Webcam Services to Users registered on the Platform.

This Agreement describes the general terms & conditions that apply when you use the General Platform Services offered by SNV.
This Agreement constitutes a legally valid contract determining the relationship between you, as the Performer, and SNV NV.
Before you can offer and sell your services on the Platform you need to carefully read and accept all the conditions and stipulations of this Agreement, including the documents and Policy Rules that are part of this Agreement.

1. General

1.1 This Agreement replaces all previous agreements between the Performer and a company of the AC Group.
1.2 In the case of questions about this Agreement the Performer can consult the FAQ page (Frequently Asked Questions) or contact SNV via the online contact form of SNV.
1.3 SNV has the right to make changes to this Agreement. SNV will notify the Performer of such changes by means of placing the new, amended Agreement on the Platform, by means of an email to the registered Performer upon request, or by other means. The changes take effect on the date specified in the notification. If the Performer is unable to agree with the changes the Agreement will terminate.
1.4 By signing this Agreement the Performer accepts that part of the General Platform Services can be provided by an Affiliate under a contract in this respect with .

2. Definitions

2.1 ACW BV: being a company registered with the Chamber of Commerce under number 52306054 with its offices in The Hague.
2.2 AC Group: companies which are directly and indirectly held by AC Media Connect Holding BV, AC Media Connect Holding BV.
2.3 AC Media Connect Holding BV: a company registered in the commercial registry under number 6863636628, having its offices at Beursplein 37, 3011 AA, Rotterdam.
2.4 : a company having its offices at E-commerce Park Vredenberg, Unit 23, Willemstad, Curaçao, Netherlands Antilles, registered under number 12276
2.5 Affiliates: third parties with whom has concluded agreements to provide and offer marketing services to the Performers.
2.6 Entertainment Webcam Service: a service offered and sold by the Performer to the User.
2.7 Entertainment Webcam Service Fee: the fee the User pays to the Performer for the sale of the Entertainment Webcam Service by the Performer to the User.
2.8 E-Wallet: virtual credit balance registered by ACW BV upon receipt of funds from the User. The User's E-Wallet is stored in the ACW BV computer system. The E-Wallet is not an account but a virtual balance.
2.9 Financing Transaction: the transaction in which the User deposits credits into his/her virtual balance (E-Wallet).
2.10 General Platform Fees: the fee that SNV charges to the Performer for the General Platform Service.
2.11 General Platform Services: the services provided to the Performer for the use of the SNV Platform in return for payment, which services may fully be performed by SNV and/or partly by Affiliates under a contract concluded by and the Affiliates.
2.12 General Platform Services Agreement: the general terms & conditions that apply to the relationship between the Performer and SNV in relation to the provision of the General Platform Services to the Performers (this Agreement).
2.13 Micro Company: an enterprise which qualifies under the definition of Micro Company for VAT purposes in your country of residence.
2.14 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.
2.15 Payment Instruction: the authorisation the User gives ACW BV 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.
2.16 Payment Service: a service provided by ACW BV to the Performer by crediting the Performer Payment Account, upon the debiting of a virtual credit balance held by the User (E-Wallet), for the discharge payment of Entertainment Webcam Services the Performer has sold to the User.
2.17 Payment Service Agreement: the agreement as concluded by ACW BV and the Performer on the basis of which ACW BV renders Payment Service to the Performer.
2.18 Payment Service Fee: the fee that ACW BV charges to the Performers for the Payment Service.
2.19 Payment Transaction: the transaction in which ACW BV transfers the credits held in the Performer's Payment Account into the bank account of the Performer.
2.20 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. Wherever the word ‘Performer’ is used this may also be read as ‘you’.
2.21 Performer Account: the Performer's personal registration on the SNV Platform containing the personal information of the Performer (Performer's Profile and the Performer's Name).
2.22 Performer Information: all the information you, as a Performer, put on the SNV Platform and/or on the Performer’s Account, including registration details, pictures, videos, feedback and all other communications.
2.23 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.
2.24 Performer Payment Account: the Performer's current account with ACW BV, to which ACW BV credits payments made by Users for the purchase of the Webcam Entertainment Services provided by the Performer and to which ACW BV debits amounts owed to ACW BV and/or to SNV by the Performer.
2.25 Performer's Profile: the full personal and physical description of the Performer.
2.26 Policy Rules: documents prepared by the AC Group and published on the SNV Platform containing mandatory or non-mandatory rules which apply to the relationship between the Performer and any member of the AC Group as a result of any agreement concluded between the two including but not limited to Privacy/ GDPR rules, Code of Conduct, KYC rules and AML rules.
2.27 Reservation Requirement: the amount that ACW BV reserves temporarily in accordance with the General Platform Services Agreement to cover possible payment cancellations by Users.
2.28 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
2.29 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.
2.30 Third Party: any party except the Performer and ACW BV.
2.31 Transaction Fees: the costs associated with the Payment Transaction.
2.32 User: a person who purchases Entertainment Webcam Services from the Performer via a Website connected to the technical Platform of SNV and who may or may not use the User Payment Service (E-Wallet) in order to make the discharge payment of the Entertainment Webcam Services the Performer has provided and sold to the User.
2.33 User Account: the User's personal registration on the SNV technical SNV Platform.
2.34 User Payment Service: service offered by ACW BV to the User whereby the User can obtain – upon placing of funds by the User - a prepaid virtual credit on his name to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform. The Payment Service does not constitute an account but a Virtual Credit which cannot be refunded to the User.
2.35 Virtual Credit: a non-refundable virtual asset registered with ACW BV to the credit of the User upon placing of funds by the User which serves for the User to make discharge payments to the Performers for his purchase of the Entertainment Webcam Services from the Performers registered on the SNV Platform.
2.36 Website: a website linked to the technical Platform of SNV.

3. Conditions 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 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 The Performer cannot be a person whose Performer’s Account has been temporarily or permanently suspended for legal reason.
3.3. The Performer Account is not transferable, in any form whatsoever.
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. The Performer has to comply with the VAT legislation in his country of residence in respect of the sale of the Entertainment Webcam Services to the Users.
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 parties; each party acts only in its own name and on its own behalf.
6.2 It is not the purpose of this 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 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.
7.3 Only a registered Performer can offer and sell his Entertainment Webcam Services on the Platform.
7.4 The Performer is responsible for the choice of classification under which the Entertainment Webcam Services are offered.
7.5 Actions and transactions are not approved and/or validated by SNV NV. The Performer is personally responsible for the legality of his/her actions and offered Entertainment Webcam Services.
7.6 You are supplying the Entertainment Webcam Services to the Users, who are your customers. If you and the User are based in the EU, article 54 of the EU VAT Directive 2006/112 is applicable. SNV NV is only a Platform and supplies you General Platform Services. If you are based in the EU article 44 and article 196 of the EU VAT Directive 2006/112 are applicable.
7.7 By selling your Entertainment Webcam Services via the Platform you are considered to be an entrepreneur. Depending on the applicable rules of your country of residence, you may or may not be obliged to charge VAT over your Entertainment Webcam Services rendered to the Users. We advise you to consult your local accountant to inform yourself about your particular VAT status in this respect. If your Entertainment Webcam Services are subject to VAT, you are personally responsible for your VAT declarations in this respect.

8. General Platform Fee

8.1 There is no charge for registering as a Performer on the Platform.
8.2 SNV renders the General Platform Services to the Performer against a General Platform Fee.
8.3 Performer hereby instructs ACW BV to deduct this General Platform Fee from the discharge payment made by Users to Performers for the Webcam Entertainment Services.
8.4 The amount of the Payment Transaction is based on 50% (or another percentage agreed otherwise) of the turnover of the Performer. The remaining amount is retained by ACW BV to cover the payment of the invoices due by the Performer for the Payment Services and to cover the payment of the invoices due by the Performer for the General Platform Services.
8.5 The Performer has the right to download at any time from his Performer Account the invoices which have been paid by retaining amounts from the Entertainment Webcam Service Fees as set out above.
8.6 SNV NV is entitled to change the General Platform Services Fee. The changes take effect on the date specified in the notification of such change. If, in the 14 days after this change, the Performer notifies SNV NV that he/she does not accept the changes in question, this Agreement will terminate immediately upon receipt of this notification.

9. Guarantees

9.1 Each party declares and guarantees that he/she/it is legally competent and authorised to sign this Agreement.
9.2 The Performer guarantees SNV that he/she is at least 18. If the legislation in the country of the Performer differs from this rule the Performer must be at least 21. For this purpose the Performer will supply a copy of a valid ID.
9.3 The Performer guarantees SNV that:
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;
(the rules resulting from) the General Platform Services Agreement.;
the national legislation of the country in which the Performer is located.
the Performer will pay all taxes, levies and commissions which will be due for the Performer in respect of the use of the Payment Services and/or the SNV Platform and/or the use of the General Platform Services and/or the provision of the Entertainment Webcam Services to the User.
9.4 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 9.3 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.
9.5 SNV guarantees the Performer that the General Platform Services will be provided with reasonable care and professionalism.
9.6 SNV does not guarantee that the General Platform Services will meet all of the Performer’s requirements and will function uninterruptedly, be virus-free, safe or error-free.

10. Announcements and notification

10.1 Declarations, notifications and other announcements from SNV to the Performer can be made by post, email, via publications on the SNV Platform or by any other reasonable method.
10.2 The Performer agrees that SNV can send the Performer electronic messages that relate to the Performer’s use of the General Platform Service or any other matter.

12. Information and actions on the part 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.
13.3. The Performer acknowledges that SNV may block the use of the Performer of the Platform when SNV reasonably suspects a case of fraud, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law. When SNV blocks the use of the Platform, the Performer is informed unless SNV is legally prevented from doing so.
13.4. In the event of suspected fraud, prohibited transactions or money laundering, or not complying with this Agreement, SNV may as a result declare the transaction to the relevant authorities without informing the Performer.

14. Violation of this Agreement

14.1 SNV has the right to send the Performer an immediate warning, suspend or terminate the Performer and/or Performer's Account temporarily or indefinitely and refuse to provide services to the Performer if:
a. the Performer and/or the Performer violate(s) this Agreement or the documents that form an integral part of this Agreement.
b. it proves impossible for SNV to verify the correctness of the information provided by the Performer.
c. SNV NV suspects that the Performer is engaged in, will be engaged in or is in any way involved or associated with fraudulent activities fraudulent activities, prohibited transactions or money laundering, the violation of this Agreement or a violation of the law;
d. 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.

16. Indemnity

16.1 The Performer will compensate SNV NV and protect SNV NV against any entitlement or claim whatsoever including reasonable solicitors’ fees on the part of a third party and that is attributable to or arises from a violation of this Agreement or the documents that form part of the Agreement for reference purposes, a violation of any law or regulation whatsoever or the infringement of the rights of a third party by the Performer.
16.2 If the Performer has an entitlement or claim against or a dispute with a User as a result of the use of the Platform, the Performer indemnifies SNV NV against any claims, liability, damage, loss, costs and fees, including legal fees, known or unknown, that are associated with such an entitlement, claim or dispute.

17. Announcements and notification

17.1 Declarations, notifications and other announcements from SNV NV to the Performer can be made by post, email, via publications on the Platform or by any other reasonable method.
17.2 All announcements intended for the Performer will in principle be sent to the email address the Performer provided to SNV NV upon Registration.

18. Termination of relationship with SNV

18.1 The Agreement will remain in place until such time as it is cancelled by the Performer or by SNV, as outlined below.
18.2 If the Performer wishes to terminate this Agreement with SNV the Performer can do so at any time and free of charge by closing the Performer’s Account.
18.3 SNV can terminate the Agreement with the Performer at any time without prior notice if:
a. the Performer has violated an essential stipulation of the Agreement or has made it clear by his/her actions that he/she does not intend to comply or is not capable of complying with the essential stipulations of the Agreement; or
b. SNV is legally obliged to do so.
18.4 The termination of this 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 Agreement was in effect or for which it is stipulated that they remain valid for an indefinite period.
18.5 Upon termination of this Agreement or any other termination of the use of the General Platform Service by the Performer the Performer remains responsible for all cancellations and recovery costs.

19. Applicable law

19.1 Netherlands Antilles law applies to this Agreement. Any disputes that arise or may arise between the Performer and SNV as a result of this Agreement or subsequent agreements or other actions in relation to this Agreement will be settled by the competent courts in Curacao.
19.2 This Agreement is drawn up in the English language. In the event of a conflict between the English version of this Agreement and a version in another language, the English version will prevail.

20. Other

20.1 The General Platform Services referred to in this Agreement are supplied by SNV or by an Affiliate under a contract in this respect with .
20.2 The Performer agrees that SNV can freely and by operation of law transfer the rights and obligations arising from this Agreement and from all the documents that apply for reference purposes in the event of a merger, division, takeover or other restructuring.
20.3 The titles of the various sections of this Agreement are indicative only and do not necessarily give an exact indication of the content of the articles to which they refer.
20.4 If SNV fails to act in respect of a violation of this Agreement by the Performer or by others SNV does not automatically waive the right to act in respect of later or similar violations.
20.5 If SNV does not exercise or enforce a legal right or legal remedy referred to in this 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.
20.6 The provisions in the following articles: ‘10. Announcements and notification’, ‘12. Information and actions on the part of the Performer’, ‘15. Limitation of liability SNV NV’, ‘16. Indemnity’, ‘19. Applicable law’ and ‘ 20. Other’ and any other provision insofar as applicable continue to exist after the termination or expiry of this Agreement.
20.7 This Agreement, accompanied by the documents and Policy Rules included for reference purposes, constitutes the entire agreement between the Performer and SNV.

La Declaración de Confidencialidad del Usuario

25 de mayo de 2018 - actualizada el 21 de noviembre de 2019

La protección de datos es particularmente prioritaria en nuestra empresa. En cuanto al procesamiento de datos, cumplimos estrictamente con los requisitos de la legislación de protección de datos aplicable, incluido el Reglamento General de Protección de Datos de la UE (GDPR). Lo significa que:

• limitamos nuestra colecta de datos personales** solamente a los datos personales necesarios para fines legítimos;
• especificamos claramente nuestros objetivos antes de procesar los datos personales, en conformidad con la presente Declaración de Confidencialidad.
• en primer lugar solicitamos el permiso explícito para tratar tus datos personales en los casos en que se requiera tu autorización;
• tomamos las medidas de seguridad apropiadas para proteger tus datos personales y exigimos lo mismo a las partes que tratan tus datos personales en nuestro nombre;
• respetamos tu derecho a consultar, corregir o eliminar los datos personales que nosotros poseemos.

es la entidad responsable del procesamiento de todos los datos. En la presente Declaración de confidencialidad, nosotros explicamos cuales son los datos personales que colectamos y para qué fines. Te recomendamos que lo leas atentamente.

Inscripción

Algunas funcionalidades relacionadas con su uso de la plataforma requieren un registro previamente. Deberás proporcionar información sobre ti y elegir un nombre de usuario y una contraseña para la cuenta que vamos a crear para ti.
Para este fin, utilizamos tu nombre, dirección, número de teléfono, dirección de facturación, dirección de correo electrónico, detalles de pago y nombre de usuario. Necesitamos estos datos debido a tu uso de la Plataforma. Nosotros almacenamos esta información hasta que cierres tu cuenta.
Conservamos esta información para que no tengas que volver a ingresarla cada vez que visitas nuestra Plataforma, y contactarlo con respecto a tu uso de la Plataforma, además, para proporcionar una descripción general de los servicios que compró en la Plataforma a terceros.

Billetera electrónica (E-Wallet)

A través la Plateforma, puedes cargar créditos en tu Ewallet para adquirir los servicios ofrecidos por las otras partes. Esto requiere cierta información personal. Compartimos esto con los proveedores de pagos para facilitar las cargas de las billeteras electrónicas (E-Wallet).

Tus datos personales que nosotros utilizamos son tu nombre y dirección, dirección de facturación, dirección de correo electrónico y detalles de pago. Necesitamos estos datos debido a su uso de la Plataforma. Almacenamos esta información durante el período de conservación legal impuesto por la administración fiscal.

Promoción

Promovemos nuevos productos o servicios que se pueden comprar en la Plataforma, a través de nuestro boletín informativo. Puedes negarte en todo momento a recibir esta comunicación promocional. Cada e-mail enviado contiene un enlace de cancelación.

El consentimiento para la colecta de datos personales, que has dado para recibir el boletín informativo, puede ser revocado en todo momento. Para ejercer tu derecho a revocar tu consentimiento, siempre encontrarás un enlace dedicado en cada boletín. También es posible darte de baja del boletín informativo en cualquier momento directamente en la plataforma.

Publicidades

Nuestra Plateforma muestra publicidades genéricas. Nosotros no colectamos ningún dato personal para este propósito.

Cookies

La Plateforma usa cookies. Las cookies son archivos de texto almacenados en un sistema informático a través de un navegador de Internet. Hacemos esto para mejorar el funcionamiento de nuestra Plataforma y de los sitios web vinculados a ella y para reconocerte durante tus visitas. De esta manera, no tienes que iniciar sesión cada vez y nosotros nos recordamos de tus configuraciones y tus preferencias. No compartimos las cookies con terceros y no orientamos la publicidad basándonos en las cookies.

Puedes desactivar las cookies a través de la configuración de tu navegador, pero esto puede impedir la utilización de algunas funcionalidades de la Plateforma.

Uso compartido de datos personales con terceros

A excepción de las partes mencionadas anteriormente, no compartimos tus datos personales con otras compañías u organizaciones, a menos que así lo exija la ley.

Estadísticas

Hacemos estadísticas sobre el uso de la Plataforma y de los sitios web vinculados a ella, lo que nos lleva a utilizar datos personales. Utilizamos estas estadísticas para mejorar la presentación y el funcionamiento de la Plataforma y de los sitios web vinculados a ella. Accedemos a los datos personales solamente en caso de estricta necesidad de tal efecto.

Seguridad

Tomamos las medidas de seguridad adecuadas para limitar cualquier uso indebido o acceso no autorizado a los datos personales.

Modificación de nuestra Declaración de Confidencialidad

Nos reservamos el derecho de cambiar nuestra Declaración de Confidencialidad. Te recomendamos que la consultes regularmente para mantenerte informada/o de cualquier cambio.

Ver y modificar tus datos

Puedes ponerte en contacto con nosotros si tienes alguna pregunta sobre nuestra Declaración de Confidencialidad o si deseas ver, modificar o eliminar tus datos personales.

Tus derechos son detallados a continuación:

• Ser informado de los datos personales que poseemos y del uso que hacemos de ellos;
• Controlar los datos personales que son colectados y almacenados;
• Modificar los datos personales incorrectos;
• Solicitar la eliminación de datos personales obsoletos;
• Revocar tu consentimiento;
• Oponerse a ciertos usos.

Ten en cuenta que siempre deberás iniciar sesión para poder ejercer tus derechos de ver / modificar / eliminar tus datos personales, a fin de garantizar que no modifiquemos ni borremos datos de la persona incorrecta.

Reclamos

Si consideras que no te estamos permitiendo ejercer tus derechos de forma adecuada, puedes presentar un reclamo ante la autoridad nacional de protección de datos si resides en la Unión Europea.

Información de contacto






Correo electrónico:

Sitio web: mobile.chatroom24.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:
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POLÍTICAS, CONTROLES Y PROCEDIMIENTOS CONTRA EL LAVADO DE DINERO/ KYC

DOCUMENTO ACTUALIZADO EL 3 DE DICIEMBRE DE 2019

, como miembro del Grupo AC, también actuará de acuerdo con este Reglamento como se establece en esta declaración de Política del Grupo ALD/KYC.
La política del Grupo AC es que todos los miembros del personal a todos los niveles participen activamente en la prevención de que los servicios del Grupo AC sean explotados por delincuentes y terroristas con fines de lavado de dinero. Esta participación tiene como objetivos:

  • asegurar el cumplimiento por parte del Grupo AC de todas las leyes aplicables, los instrumentos reglamentarios y los requisitos de la autoridad supervisora del Grupo AC
  • proteger al Grupo AC y a todo su personal como individuos de los riesgos asociados a las infracciones de la ley, los reglamentos y los requisitos de supervisión
  • preservar el buen nombre del Grupo AC contra el riesgo de daño a la reputación que presenta la implicación en actividades de lavado de dinero y financiación del terrorismo
  • hacer una contribución positiva a la lucha contra el crimen y el terrorismo.

Para lograr estos objetivos, la política del Grupo AC implica que:

  • cada miembro del personal cumplirá con sus obligaciones personales según corresponda a su función y posición en el Grupo AC
  • no se permitirá que las consideraciones comerciales ni el sentido de lealtad a los Usuarios de la Plataforma prevalezcan sobre el compromiso del Grupo AC en materia de lucha contra el lavado de dinero
  • El Grupo AC designará al profesional específico para que sea responsable del cumplimiento de la normativa contra el lavado de dinero (el responsable de AC). El Grupo AC notificará a la autoridad supervisora (si procede) y proporcionará el nombre del director responsable
  • El Grupo AC nombrará a un Oficial de Reporte de Lavado de Dinero (MLRO, por sus siglas en inglés). El Grupo AC nombrará a un adjunto para cubrir en ausencia del MRLO. El MRLO y el suplente recibirán toda la ayuda y cooperación de todos los miembros del personal en el desempeño de las funciones de sus nombramientos
  • El Grupo AC llevará a cabo una evaluación en toda la empresa sobre los riesgos de lavado de dinero y financiación del terrorismo a los que está sujeto el Grupo AC y diseñará y aplicará controles adecuados para mitigar y gestionar eficazmente los riesgos identificados
  • El Grupo AC establecerá y mantendrá políticas y procedimientos documentados y proporcionados, incluidos controles, que describan las medidas positivas que debe adoptar el personal para prevenir el lavado de dinero y la financiación del terrorismo en el desempeño de su labor. El MRLO las mantendrá bajo revisión para asegurar que sigan siendo apropiadas.

POLÍTICA Y PROCEDIMIENTO PARA LA EVALUACIÓN DEL RIESGO DE LAVADO DE DINERO

POLÍTICA

La política del Grupo AC es identificar y evaluar los riesgos de lavado de dinero y financiación del terrorismo que representan los negocios que realizamos, de modo que podamos mitigar ese riesgo aplicando niveles adecuados a personas y empresas que utilicen la plataforma tal como la explota (los usuarios de la plataforma). Los Usuarios de la Plataforma son los llamados Proveedores de Servicios, es decir, el Estudio y el Performer con los que ha celebrado el Contrato de Estudio y el Contrato de Performer, respectivamente. El Performer también se denomina «Modelo». Estos Proveedores de Servicios ofrecen y venden sus servicios a sus clientes (Usuarios) en la Plataforma SNV.

CONTROLES Y PROCEDIMIENTOS

  1. El Grupo AC evaluará el riesgo de lavado de dinero que representan los Usuarios de la Plataforma y el negocio realizado según tres niveles:
    • el rango normalmente tratado por el Grupo AC, requiriendo el nivel normal de diligencia debida del cliente del Grupo AC
    • un nivel de riesgo excepcionalmente alto que requiere un mayor nivel de diligencia por parte del cliente
    • un nivel de riesgo insignificante que sólo requiere una diligencia debida simplificada.
  2. El Grupo AC identificará y mantendrá listas de factores de riesgo (incluidos los requeridos por el Reglamento) relacionados con los Usuarios de la Plataforma, los productos o servicios, las transacciones, los canales de entrega y las áreas geográficas de operación.
  3. El Grupo AC evaluará el nivel de riesgo asociado a estos factores mediante el análisis de indicadores, entre los que se incluyen:
    • características del Usuario de la Plataforma (individual o corporativo, estatus, ubicación, ocupación)
    • la finalidad de las cuentas o compromisos, los niveles de activos y las transacciones
    • la regularidad o la duración de las relaciones comerciales.
  4. El Grupo AC actualizará anualmente la evaluación de riesgos para asegurar que se aborden los riesgos nuevos y emergentes, y que se refleje la nueva información suministrada por nuestra autoridad supervisora.
  5. El Grupo AC mantendrá un registro escrito actualizado de todas las medidas adoptadas y proporcionará la evaluación de riesgos y la información en la que se basó.
  6. Se evaluará el riesgo de lavado de dinero o de financiación del terrorismo que representa cada Usuario de la Plataforma:
    • durante el nuevo proceso de aceptación del Usuario de la Plataforma (KYC), antes de realizar cualquier trabajo.
    • siempre que el proceso de vigilancia continua del grupo AC indique que un cambio en el entorno comercial u operativo de un Usuario de la Plataforma establecida puede representar un cambio en el riesgo de lavado de dinero.
  7. La evaluación de los riesgos en relación con un Usuario de la Plataforma será llevada a cabo por el ofocial responsable del Grupo AC, que determinará las medidas de diligencia debida apropiadas con respecto a cada usuario de la Plataforma en base a:
    • La evaluación de riesgos del Grupo AC en toda la empresa
    • evaluación del nivel de riesgo que surge en cualquier caso particular.
  8. Se debe dejar constancia de la evaluación de las relaciones individuales de los Usuarios de la Plataforma, confirmando que se ha tenido en cuenta la evaluación de riesgos de todo el negocio del Grupo AC, así como cualquier otro factor pertinente que se haya considerado.

POLÍTICA Y PROCEDIMIENTO PARA LA VERIFICACIÓN DE LA IDENTIDAD DE LOS USUARIOS DE LA PLATAFORMA (KYC)

POLÍTICA

Es política del Grupo AC verificar la identidad de todos los Usuarios de la Plataforma, asegurándose de que los procedimientos reflejan las características de riesgo del usuario de la Plataforma. Al abrir una cuenta con el Grupo AC, todos los Usuarios de la Plataforma serán verificados en base a los siguientes procedimientos.

A. CONTROLES Y PROCEDIMIENTOS PARA LA UTILIZACIÓN DE LA PLATAFORMA (SNV)

Los Usuarios de la Plataforma que ofrecen y venden sus servicios en la plataforma de SNV – Performers and Studio's – actuando en la forma de una entidad corporativa necesitan proporcionar la siguiente información:

  • Nombre de la compañía
  • Número de registro oficial
  • Naturaleza social
  • País de la sede central
  • Dirección de la sede central
  • Si procede, número de IVA intracomunitario
  • Dirección de correo de contacto
  • Número de teléfono
  • Toda la información sobre los propietarios beneficiarios.

El oficial responsable del Grupo AC comprobará que el Usuario de la Plataforma esté debidamente incorporado (si procede) y registrado, y tomará las medidas necesarias para determinar quiénes son los principales beneficiarios efectivos, y las personas con un control significativo, y su identidad se verificará de acuerdo con este procedimiento.

B. Los Usuarios de la Plataforma SNV que ofrecen y venden sus servicios en la Plataforma SNV – Performers y Studio's – que no actúan en forma de entidad corporativa necesitan proporcionar la siguiente información:

  • Nombre o identificación del Estudio/Performer no individual
  • País de origen
  • Dirección
  • Número de teléfono y dirección de correo electrónico de contacto
  • Una declaración de sus obligaciones de cualquier impuesto debido y una declaración de que puede actuar como una entidad no legal en su país (microempresas).
Verificación de identidad
  1. El miembro del personal que lleve a cabo la verificación de la identidad completará el proceso comprobando que el Estudio/Performer no es objeto de sanciones u otras medidas reglamentarias, utilizando los métodos de selección establecidos por el MRLO. (Lista negra de terroristas internacionales, verificación por teléfono o sms).
  2. Para el Estudio/Performers, los controles de identidad se llevarán a cabo mediante el examen de:
    • un documento que contenga una fotografía que confirme el nombre del Agente del Estudio/Performer, como un pasaporte válido.
    • foto con el documento de identidad dado junto al rostro
    • un documento que confirme la dirección del Agente del estudio/Performer, como una factura de servicios públicos (de menos de 3 meses de antigüedad y que no sea factura de teléfono móvil). Este documento es necesario incluso si el documento que confirma el nombre también tiene la dirección. El MRLO del Grupo AC mantendrá una lista de documentos aceptables o información obtenida de una fuente fiable que sea independiente del Estudio/Performer:
    • sólo se aceptará para su examen una copia escaneada en color del documento.
    • Las fuentes de información electrónica deben haber sido evaluadas en cuanto al riesgo antes de su utilización.
  3. En los casos en que un Usuario de la Plataforma no pueda presentar documentos aceptables, el oficial responsable del Grupo AC tomará una decisión basada en el riesgo al aceptar los documentos que estén disponibles, consultando con el MRLO si es apropiado.
  4. Cuando el Agente del Estudio/Performer no sea un residente europeo, o no sea visto en persona (es decir, a través de la cámara web) por el miembro del personal que lleve a cabo la verificación, el oficial responsable del Grupo AC tomará una decisión basada en el riesgo sobre los medios de verificación que se aceptarán, consultando con el MRLO si procede.
Comprobación de la propiedad efectiva
  1. Cuando el ejecutor no sea el beneficiario efectivo de los bienes involucrados, el oficial responsable del Grupo AC tomará las medidas necesarias para determinar quién es el beneficiario efectivo y tomará medidas razonables para verificar su identidad, de acuerdo con este procedimiento.
  2. El MRLO preparará un formato para que lo utilice el oficial responsable del Grupo AC al solicitar al Estudio/Performer la verificación de la identidad y la información sobre el beneficiario final, así como un procedimiento de seguimiento cuando no se satisfagan las solicitudes dentro del plazo reglamentario.
  3. Si se han agotado sin éxito todos los medios posibles para identificar al beneficiario efectivo de un Estudio/Performer no individual, y se han registrado, el oficial responsable del Grupo AC buscará la aprobación del MRLO, que se dará en función del riesgo, para tratar como su beneficiario efectivo a la persona superior responsable de la gestión del Estudio/Performer no individual.
  4. Con respecto al beneficiario o beneficiarios finales del Estudio/Performer no individual, se requiere la siguiente información:
    • Título
    • Nombre y apellido
    • País de residencia
    • Dirección
    • Fecha de nacimiento
    • Lugar de nacimiento
    • Número ID
    • Razón por la que el individuo es UBO (porcentaje de capital/propiedad directa o indirecta, etc.)
  5. En el caso de que el Usuario de la Plataforma sea una empresa que cotice en bolsa o una empresa regulada, el Oficial responsable del Grupo AC comprobará que el Usuario de la Plataforma esté debidamente registrado, y que la persona con la que trata el Grupo AC esté debidamente autorizada para actuar en nombre de los Usuarios de la Plataforma, y verificará la identidad de dicha persona de acuerdo con este procedimiento, además de la del Estudio/Performer no individual.
  6. En todos los casos que se considere que presentan un mayor riesgo de lavado de dinero, cuando se requiera una mayor diligencia debida por parte del Usuario de la Plataforma, el Oficial responsable del Grupo AC consultará con el MRLO para decidir los pasos adicionales para verificar la identidad del usuario de la Plataforma.
  7. Se registrarán todos los procesos de verificación de identidad, así como las medidas adoptadas para verificar la identidad de los artistas no individuales. Esto incluirá guardar fotocopias de todos los documentos producidos y los intercambios de correo electrónico.
  8. Tanto para el individuo como para el Estudio/Performer no individual, el Oficial responsable del Grupo AC recogerá la información de referencia de la cuenta bancaria de dicho Estudio/Performer:
    • Bic o IBAN
    • Nombre de la institución donde se encuentra la cuenta
    • Dirección de dicha institución
  9. Tanto para los Performers individuales como para los propietarios beneficiarios de Estudios/Performers no individuales, se supervisará si dicha persona califica como "persona políticamente expuesta". Al abrir una cuenta se harán las siguientes preguntas:
    • Es usted una persona políticamente expuesta, es decir, es usted un individuo que es o ha sido confiado con una función prominente.  S/N
    • ¿Está usted vinculado con esa persona (familia, socio cercano)? S/N
    • En caso afirmativo, sírvase indicar el nombre y la función de la persona que justifica esta condición.

POLÍTICA Y PROCEDIMIENTO PARA CONOCER EL NEGOCIO DEL USUARIO DE LA PLATAFORMA COMO PARTE DE LA DILIGENCIA DEBIDA AL CLIENTE (CDD)

POLÍTICA

Es política del Grupo AC obtener información que permita evaluar el propósito y la naturaleza prevista de la relación de cada Usuario de la Plataforma con el Grupo AC. Esta información de "Conozca el negocio de su cliente" permitirá al Grupo AC mantener nuestra evaluación del riesgo de lavado de dinero en curso, y notar cambios o anomalías en los acuerdos del Usuario de la Plataforma que podrían indicar lavado de dinero.
La política del Grupo AC es no ofrecer sus servicios, o retirarse de la prestación de sus servicios en la plataforma, si no se puede lograr una comprensión satisfactoria de la naturaleza y el propósito del negocio del Usuario de la Plataforma.

CONTROLES Y PROCEDIMIENTOS (gestión de la seguridad, tal como se establece en el documento "Herramientas de Política ALD y prevención de Fraude")

  1. El oficial responsable de la AC obtendrá la Información Comercial de los Clientes de parte los Estudios/Performers (tanto individuales como no individuales) en la plataforma:
    • con aceptación de los acuerdos del Estudio/Performer sobre cualquier cambio significativo en los acuerdos del Estudio/Performer tales como el tamaño o la frecuencia de las transacciones, la naturaleza de los negocios realizados, la participación de nuevas partes o jurisdicciones como un ejercicio continuo a lo largo de la relación con el Usuario de la Plataforma.
  2. La Información Comercial de los Clientes que se solicita a los Usuarios de la Plataforma incluirá, pero no se limitará a:
    • el propósito o necesidad y la justificación comercial de los servicios que el Usuario de la Plataforma está vendiendo en la plataforma como un Estudio/Performer a los Usuarios y mediante el uso de la E-wallet para los pagos a los Usuarios de la Plataforma.
    • la procedencia de los fondos o activos involucrados en las actividades comerciales del Usuario de la Plataforma.
    • la naturaleza, el tamaño, la frecuencia, la procedencia y el destino de las transacciones previstas del Estudio/Performer (volumen y destino de las transacciones).
    • la justificación comercial de todos los usos de las estructuras y entidades (si procede).
    • las contrapartes y las jurisdicciones afectadas.
  3. La información se obtendrá formulando al Usuario de la Plataforma las preguntas pertinentes, y las respuestas dadas por el Usuario de la Plataforma se verificarán cuando ello sea posible dentro del curso de la conducta normal de la relación (encuesta al Usuario de la Plataforma).
  4. La información proporcionada por el Usuario de la Plataforma se registrará en la cuenta del Usuario de la Plataforma, para ayudar a la futura supervisión de la relación con el usuario de la Plataforma (Monitoreo de la cuenta con bandera.
  5. No obstante, las respuestas que no sean fácilmente verificables deberán considerarse junto con otros detalles conocidos o proporcionados por el Usuario de la Plataforma para comprobar que toda la información es coherente y plausible.
  6. En los casos en que las respuestas dadas por el Usuario de la Plataforma sean inverosímiles o incoherentes con otra información, o en los casos en que el Usuario de la Plataforma no esté dispuesto a dar respuestas satisfactorias a las consultas de diligencia debida, el oficial responsable del AC considerará si el Grupo AC debe iniciar la relación o retirarse de ella.
  7. Conocer la Información Comercial de los Clientes, o la falta de ella, será tenida en cuenta por todo el personal cuando se consideren posibles motivos para sospechar de lavado de dinero.

POLÍTICA Y PROCEDIMIENTO PARA LA VIGILANCIA CONTINUA DE LOS USUARIOS DE LA PLATAFORMA

El Grupo AC supervisará en todo momento los siguientes acontecimientos y buscará una explicación satisfactoria para los mismos:

  • Cambios en las referencias bancarias
  • Cambios de ubicación
  • Con respecto a los Estudios/Performers no individuales: cambios en la gestión/cambios en la propiedad efectiva

Las auditorías se realizarán en la fecha de aniversario, que es la fecha en la que el Estudio/Performer se ha registrado en la plataforma. Una alerta notificará al equipo cuando los controles deban realizarse.

La consecuencia de estas auditorías puede ser la realización de pasos adicionales (solicitud de documentación adicional, comprobaciones adicionales...), que deben ser documentados en el expediente de los Usuarios de la Plataforma (hecho de su información, documentos de apoyo e información de supervisión de la lucha contra el lavado de dinero).

Estas auditorías también pueden conducir a una nueva evaluación del nivel de escrutinio aplicado al Usuario de la Plataforma, incluso hasta el final de la relación comercial. Tal decisión es tomada por los propietarios del Grupo AC, con el asesoramiento del Oficial de Reporte del Lavado de Dinero (MLRO, por sus siglas en inglés) y el responsable de control interno.

POLÍTICA Y PROCEDIMIENTO PARA MANTENER REGISTROS DE LA INFORMACIÓN DE DILIGENCIA DEBIDA DE LOS USUARIOS DE LA PLATAFORMA

POLÍTICA

La política del Grupo AC es establecer y mantener sistemas para mantener registros de las consultas realizadas y la información obtenida al ejercer la diligencia debida de los Usuarios de la Plataforma para fines de lucha contra el lavado de dinero, y asegurar que esos registros sean recuperables según lo requerido por las estipulaciones legales y reglamentarias. Estos registros incluirán, entre otras cosas, los detalles registrados con fines de contabilidad y desarrollo comercial.

CONTROLES Y PROCEDIMIENTOS

  1. Cuando se recopile información del Usuario de la Plataforma para prevenir cualquier lavado de dinero, el oficial responsable de AC se asegurará de que:
    • la información reunida se registre de manera coherente en la cuenta del Usuario de la Plataforma, o en otro lugar apropiado, y que los registros mantenidos en diferentes lugares sean objeto de referencias cruzadas cuando proceda, de modo que la información sea accesible y comprensible para otros miembros autorizados del personal, incluido el MLRO
    • todos los casos en que no se ha facilitado la información solicitada o en que las explicaciones proporcionadas no han sido satisfactorias serán registrados.
  2. El Grupo AC tendrá sistemas para archivar rutinariamente los registros junto con los registros contables del Grupo AC para asegurar su disponibilidad para un mínimo de los requisitos legales a partir de la fecha de finalización de la transacción o consulta.
  3. El Grupo AC tendrá sistemas de recuperación de datos que faciliten la recuperación completa y rápida de todos los registros relevantes por parte del personal autorizado, con el fin de responder plenamente a las consultas de los investigadores financieros.
  4. El Grupo AC dispondrá de procedimientos para garantizar que los datos personales obtenidos se procesen únicamente con el fin de prevenir el lavado de dinero y la financiación del terrorismo.
  5. Todos los documentos e informaciones recogidos en la apertura de la cuenta, relativos a la identidad del Estudio/Performer, si procede su UBO, así como toda información recopilada durante la relación comercial, deberán conservarse durante 5 años a partir del cierre de la cuenta. Además, cada año, el historial de todas las transacciones realizadas desde el comienzo del año deberá guardarse y conservarse durante 5 años completos. EL Grupo AC conserva todos los documentos en datos resultantes de su relación comercial con el Estudio/Performer archivándolos según condiciones y modalidad que garantizan su integridad, y sobre todo en un soporte permanente respetando las normas de GDPR.
  6. El Grupo AC proporcionará a los nuevos Usuarios de la Plataforma la siguiente información antes de su registro en la Plataforma SNV:
    • una declaración de que todos los datos personales que se reciban con motivo del registro se procesarán únicamente a efectos de prevenir el lavado de dinero y la financiación del terrorismo. (GDPR)
  7. El Grupo AC dispondrá de un procedimiento para determinar los datos personales cuya eliminación sea pertinente al final del período de retención legal, a menos que:
    • los mismos se requieran para procedimientos judiciales
    • el interesado ha dado su consentimiento expreso para la retención de dichos datos.
  8. En el caso de las cuentas registradas en la Plataforma SNV que hayan sido objeto de una notificación de sospecha, los registros pertinentes se conservarán por separado de los archivos rutinarios del Grupo AC, y no se destruirán, ni siquiera una vez transcurrido el período de retención legal, sin que el MLRO confirme que ya no son necesarios como parte de una investigación.

POLÍTICA Y PROCEDIMIENTO PARA LA NOTIFICACIÓN INTERNA DE SOSPECHAS

POLÍTICA

La política del Grupo AC es que todos los miembros del personal se mantengan alerta ante la posibilidad de lavado de dinero y que informen de todas y cada una de las sospechas para las que crean que hay motivos razonables, siguiendo el procedimiento del Grupo AC.
La expectativa que se deposite en cada miembro del personal para responder a posibles sospechas será conforme a su posición en el Grupo AC. No se espera que nadie tenga un mayor conocimiento y comprensión de lo que es apropiado según su función.

CONTROLES Y PROCEDIMIENTOS

  1. Todo el personal debe estar alerta ante la posibilidad de que los servicios del Grupo AC se utilicen para fines de lavado de dinero, o que en el curso de su trabajo puedan tener conocimiento de bienes delictivos o terroristas.
  2. La alerta ante la posibilidad de lavado de dinero debe combinarse con un conocimiento adecuado de las disposiciones normales del Usuario de la Plataforma, de modo que los miembros del personal sean conscientes de los factores anormales que pueden representar posibles causas de sospecha.
  3. Cuando un miembro del personal tenga conocimiento de una posible sospecha, deberá en un primer momento reunir la información pertinente de que disponga para decidir posteriormente si hay motivos razonables para sospechar que se está lavando dinero. Toda información adicional que se obtenga, en particular las explicaciones sobre instrucciones o transacciones inusuales, deberá registrarse en las cuentas registradas en la plataforma de manera rutinaria, pero no se hará mención alguna de la sospecha de blanqueo de dinero en ninguna de esas cuentas.
  4. El requisito de reunir información pertinente no se extiende a la realización de investigaciones o pesquisas, más allá de la utilización de fuentes de información fácilmente disponibles dentro del Grupo AC.
  5. Si después de reunir y examinar la información disponible de forma rutinaria, el miembro del personal está totalmente convencido de que no hay motivos razonables para sospechar, no se debe tomar ninguna otra medida.
  6. Un miembro del personal que, tras considerarlo, decida que puede haber motivos para sospechar, deberá, en circunstancias normales, plantear el asunto al oficial responsable de AC. Si después de la discusión ambos están de acuerdo en que no hay motivos para sospechar, no se debe tomar ninguna otra medida.
  7. Ningún miembro del personal está obligado a discutir una sospecha de lavado de dinero con el oficial responsable del AC. Pueden, en las circunstancias que prefieran, contactar directamente con el MLRO sin dar ninguna razón.
  8. Si, tras el planteamiento de una posible sospecha por parte de un miembro del personal, o como resultado de sus propias observaciones, el oficial responsable de AC decide que existen motivos razonables para sospechar de la existencia de lavado de dinero, deberá presentar un informe de sospechas al MLRO, en el formato especificado por el MLRO a tal efecto.
  9. Un informe interno de sospechas no conduce a la violación de la confidencialidad, y ningún miembro del personal dejará de hacer un informe interno por esos motivos.
  10. Si un informe de sospecha resulta de un asunto planteado por un miembro del personal de apoyo, el oficial responsable de AC debe comunicarle por escrito que se ha presentado un informe con referencia al asunto tratado en la fecha indicada, sin incluir el nombre de la(s) persona(s) sospechosa(s). De esta manera se notificará al miembro del personal que planteó el asunto que su obligación legal de informar ha sido cumplida. (formato del procedimiento de presentación de informes)
  11. En la circunstancia de que algún miembro del personal forme una sospecha de lavado de dinero, pero el oficial responsable de AC no esté de acuerdo en que existen motivos razonables para la sospecha, el miembro del personal que forme la sospecha debe cumplir con su obligación legal presentando un reporte de sospecha de lavado de dinero al MLRO, en el formato especificado por el MLRO para ese fin. El oficial responsable de AC debe reconocer este requisito legal y ayudar al miembro del personal a cumplirlo.
  12. El funcionario que forme o tenga conocimiento de una sospecha de lavado de dinero no la comentará con ninguna parte externa, ni con ningún otro miembro del personal, a menos que esté directamente involucrado en el asunto que causa la sospecha.
  13. Ningún miembro del personal revelará en ningún momento una sospecha de lavado de dinero a la persona sospechosa (incluida una parte externa). Si surgen circunstancias que puedan causar dificultades, el miembro del personal deberá buscar y seguir las instrucciones del MLRO.
  14. No se harán copias ni registros de los informes de sospecha de lavado de dinero, excepto por el MLRO, que mantendrá esos registros seguros y separados de las cuentas de usuario de la plataforma del Grupo AC y otros depósitos de información.

POLÍTICA Y PROCEDIMIENTO PARA LA REVELACIÓN OFICIAL A LAS AUTORIDADES

POLÍTICA

La política del Grupo AC es que el Oficial de Reporte de Lavado de Dinero (o, en su ausencia, el Oficial Adjunto) reciba y evalúe los reportes internos de sospecha, y decida si se debe hacer una revelación formal a las autoridades. Si así lo decide, el MLRO hará la divulgación formal en nombre del Grupo AC, utilizando el mecanismo apropiado.

CONTROLES Y PROCEDIMIENTOS

  1. Al recibir un informe de sospecha de lavado de dinero de un miembro del personal, el MLRO acusará recibo por escrito, haciendo referencia al informe por su fecha y número de expediente único, sin incluir el nombre de la(s) persona(s) sospechosa(s). De esta manera se le notificará al miembro del personal que su obligación legal de reportar ha sido cumplida.
  2. El MLRO abrirá y mantendrá un registro de los progresos del informe. Este registro se mantendrá de forma segura y no formará parte de la cuenta del Usuario de la Plataforma.
  3. Tras recibir un informe, el MLRO reunirá toda la información pertinente que se encuentre en el Grupo AC, y hará todas las averiguaciones apropiadas de los miembros del personal en cualquier lugar del Grupo AC, a fin de evaluar adecuadamente el informe. El MLRO decidirá entonces si cree personalmente que hay motivos razonables para sospechar, y tomará una decisión sobre la obligación del Grupo AC de hacer una revelación formal a las autoridades.
  4. Antes de hacer una revelación formal a las autoridades, el MLRO tendrá que buscar el asesoramiento del propietario del Grupo AC. El propietario del Grupo AC tendrá la decisión final sobre si hacer una revelación formal a las autoridades.
  5. Todos los miembros del personal, en cualquier lugar del Grupo AC, responderán plenamente a todas las preguntas formuladas por el MLRO a los efectos de evaluar un informe de sospecha. La información proporcionada al MLRO en respuesta a esas indagaciones no viola ningún privilegio de confidencialidad/profesional, y ningún miembro del personal retendrá información por esos motivos.
  6. Si se ha decidido que se requiere una revelación formal a las autoridades, el MLRO hará dicha revelación por los medios apropiados.
  7. El MLRO documentará en el registro del informe las razones para decidir hacer o no hacer una divulgación formal.
  8. El MLRO informará, cuando proceda, al autor del informe interno si se ha hecho o no una revelación formal.
  9. El MLRO informará a todos aquellos, y sólo a aquellos, miembros del personal que necesiten estar al tanto de la sospecha con el fin de protegerlos a ellos y al Grupo AC de posibles delitos de lavado de dinero en relación con cualquier negocio relacionado.
  10. Tras una revelación formal, el MLRO tomará las medidas que requieran las autoridades en relación con la revelación.

POLÍTICA Y PROCEDIMIENTO PARA BLOQUEAR/CONTINUAR UNA CUENTA REGISTRADA EN LA PLATAFORMA TRAS UN INFORME DE SOSPECHA

POLÍTICA

La política del grupo AC es que desde el momento en que surja una sospecha de lavado de dinero, la cuenta registrada será bloqueada. No se permitirá que las consideraciones comerciales ni la dificultad de responder a las preguntas de las personas registradas en la plataforma sobre el asunto tengan prioridad sobre las obligaciones legales del Grupo AC a este respecto.

CONTROLES Y PROCEDIMIENTOS

  1. Tan pronto como un miembro del personal se forme o tenga conocimiento de una sospecha de lavado de dinero, la cuenta registrada será bloqueada.
  2. Si existe alguna probabilidad de que se tenga conocimiento de que la cuenta registrada ha sido bloqueada, por ejemplo, porque no se ha realizado una transacción prevista, el miembro del personal interesado deberá ponerse en contacto con el MLRO para recibir instrucciones sobre cómo manejar el asunto.
  3. Al recibir un informe de sospecha, el MLRO instruirá al originador del informe y a cualquier otro personal involucrado a bloquear la cuenta registrada que da lugar a la sospecha
  4. Cuando se haya bloqueado una cuenta registrada, el MLRO llevará a cabo la evaluación del informe de sospechas lo antes posible para decidir si debe hacerse una revelación a las autoridades.
  5. Si el MLRO decide que no hay motivos razonables para sospechar que existe lavado de dinero, dará su consentimiento para continuar con la cuenta registrada por su propia autoridad.
  6. Si el MLRO decide que debe hacerse una revelación a las autoridades, deberá solicitar el consentimiento para continuar del propietario del Grupo AC lo antes posible. El propietario del Grupo AC tendrá la decisión final sobre la continuación de la cuenta registrada por parte del Grupo AC.

POLÍTICA Y PROCEDIMIENTO PARA LA CAPACITACIÓN PREVENTIVA CONTRA EL LAVADO DE DINERO

POLÍTICA

La política del Grupo AC es que la contratación de todo el personal nuevo incluya una evaluación como la descrita en el párrafo 2 del artículo 48 del Reglamento europeo sobre el lavado de dinero. (fuente PDF 2018 Directivas europeas ALD). La evaluación tendrá lugar antes de la contratación y a intervalos regulares durante el desempeño normal de todo el personal.
A su vez, es política del Grupo AC que todo el personal que maneje las cuentas registradas, o tenga acceso a ellas, reciba capacitación en materia de lucha contra el lavado de dinero para asegurarse de que sus conocimientos y su comprensión estén a un nivel adecuado, y capacitación continua por lo menos una vez al año para mantener la conciencia y asegurarse de que se cumplan las obligaciones legales del Grupo AC.
De igual manera, es política del Grupo AC que todo el personal que maneje las cuentas registradas, o que tenga acceso a los datos personales relativos a dichas cuentas, reciba formación sobre la legislación relativa a la protección de datos para garantizar que su conocimiento y comprensión estén a un nivel adecuado, y formación continua al menos una vez al año para mantener la conciencia y garantizar el cumplimiento de las obligaciones legales del Grupo AC.
El MLRO, en cooperación con el oficial de capacitación y el oficial de protección de datos del Grupo AC, se asegurará de que la capacitación se ponga a disposición del personal en función de su exposición al riesgo de blanqueo de dinero y protección de datos, y de que se adopten medidas para comprobar y registrar que se ha llevado a cabo la capacitación y que el personal ha alcanzado un nivel adecuado de conocimientos y comprensión.
Habida cuenta de la gravedad de las obligaciones que la Ley y los reglamentos imponen a cada persona, y de las posibles sanciones, el MLRO velará por que la información sobre esas obligaciones personales esté a disposición de todos los miembros del personal en todo momento.
El objetivo de la capacitación es:

  • Instruir al personal sobre la manera de actuar ante una sospecha de lavado de dinero
  • concienciar a cada miembro del personal, de manera que puedan siempre actuar adecuadamente ante una sospecha de lavado de dinero
  • actualizar los conocimientos colectivos y operacionales sobre los riesgos de la prevención del lavado de dinero
  • entrenar al personal para detectar casos sospechosos
  • capacitar al personal para formalizar los casos sospechosos con posibles riesgos
  • comprobar el conocimiento adecuado de los procedimientos y las obligaciones subsiguientes,

La capacitación de todo el personal recién contratado forma parte de su proceso de integración laboral, bajo la responsabilidad del jefe de control interno. El jefe de control interno es el encargado de impartir la sesión de capacitación. La sesión puede impartirse por conferencia web.
Los soportes de capacitación y las hojas de asistencia deben conservarse durante al menos 5 años después de la salida del colaborador específico.

CONTROLES Y PROCEDIMIENTOS

  1. Los nombramientos de puestos y las contribuciones del personal de conformidad con el párrafo 2 del artículo 48 del Reglamento Europeo sobre el Lavado de Dinero se incorporarán al proceso ordinario de evaluación del personal del Grupo AC.
  2. El MLRO, en cooperación con el oficial de capacitación del Grupo AC, evaluará métodos, productos y servicios alternativos de capacitación en materia de lucha contra el lavado de dinero a fin de poner a disposición de todos los miembros del personal que manejan las cuentas registradas actividades de capacitación adecuadas.
  3. Para que la capacitación sea adecuada, deberá tomar en cuenta:
    • la necesidad de lograr un nivel de conocimiento y comprensión apropiado para el papel del individuo en el Grupo AC
    • la necesidad de mantener ese nivel a través de una formación continua de actualización
    • la practicidad de asignar diferentes programas a personal con diferentes funciones sobre una base sensible al riesgo
    • el costo y la eficacia en el tiempo de los métodos y medios alternativos disponibles.
  4. El programa de capacitación incluirá medios para confirmar que cada persona ha alcanzado un nivel apropiado de conocimientos y comprensión, ya sea mediante pruebas formales, evaluación mediante conversaciones informales u otros medios.
  5. Se prestará especial atención a las necesidades de capacitación del personal directivo superior y del equipo de cumplimiento.
  6. El MLRO deberá:
    • informar a todos los miembros del personal del programa de capacitación que deben realizar, y el calendario para completarlo
    • comprobar que todos los miembros del personal han completado el programa de capacitación que se les ha asignado, a la vez que emite recordatorios a los que no han completado el horario
    • notificar al propietario del negocio sobre los casos en que los miembros del personal no respondan a los recordatorios y no hayan completado la capacitación asignada
    • mantener registros de la capacitación impartida, incluidos los resultados de las pruebas u otras evaluaciones que demuestren que cada persona ha alcanzado un nivel de competencia adecuado.
  7. Al término de un ciclo de capacitación, el MLRO garantizará la continuidad de la capacitación en curso, teniendo en cuenta al mismo tiempo:
    • la efectividad del programa completado
    • la necesidad de mantener la información de la capacitación al día con respecto a cambios en las leyes, reglamentos, etc.
    • la necesidad de facilitar orientación y prácticas.
  8. El MLRO deberá determinar las necesidades de capacitación de su propia función y se asegurará de que obtenga los conocimientos y la comprensión adecuados para cumplir las obligaciones del nombramiento.

POLÍTICA Y PROCEDIMIENTO PARA LA VIGILANCIA Y LA GESTIÓN DEL CUMPLIMIENTO DE LAS LEYES

POLÍTICA

La política del Grupo AC es supervisar nuestro cumplimiento de los requisitos legales y reglamentarios de lucha contra el lavado de dinero y llevar a cabo una auditoría anual independiente del cumplimiento de las normas de lucha contra el lavado de dinero, cuyas conclusiones se tendrán en cuenta y se establecerán las recomendaciones adecuadas para la adopción de medidas.
El propietario del Grupo AC proporcionará la autoridad y los recursos necesarios para la aplicación en curso de un régimen de lucha contra el lavado de dinero.

CONTROLES Y PROCEDIMIENTOS

  1. El MLRO supervisará continuamente todos los aspectos de las políticas y procedimientos de lucha contra el lavado de dinero del Grupo AC, junto con los cambios y novedades en el entorno jurídico y reglamentario que puedan afectar a la evaluación de riesgos de todo el negocio del Grupo AC. Cualquier deficiencia en el cumplimiento de las normas ALD (Antilavado de dinero) que requiera una rectificación urgente será tratada inmediatamente por el MLRO, que informará de tales incidentes al propietario del Grupo AC cuando sea apropiado y solicitará cualquier apoyo que pueda ser necesario.
  2. El MLRO facilitará y asistirá al auditor independiente en la realización de una auditoría anual del cumplimiento de las normas ALD del Grupo AC. Este informe incluirá:
    • un resumen del perfil de riesgo de lavado de dinero y de las vulnerabilidades del Grupo AC, junto con información sobre las formas en que éstas cambian y evolucionan
    • un resumen de cualquier cambio en el (los) entorno(s) reglamentario(s) en el que opera el Grupo AC y las formas en que el Grupo AC se ve afectado
    • un resumen de las actividades de lucha contra el lavado de dinero dentro del Grupo AC, incluyendo el número de reportes internos de sospecha recibidos por el MLRO y el número de revelaciones hechas a las autoridades
    • detalles de cualquier deficiencia de cumplimiento sobre la que ya se hayan tomado medidas, junto con informes de los resultados
    • detalles de cualquier deficiencia de cumplimiento sobre la que haya que tomar medidas, junto con las medidas recomendadas y el apoyo de gestión necesario
    • un esbozo de los planes para el desarrollo continuo del régimen de lucha contra el blanqueo de dinero, incluidas las actividades permanentes de capacitación y sensibilización de todo el personal pertinente.
  3. En los casos en que se indiquen medidas de gestión, el propietario del Grupo AC decidirá las medidas apropiadas que deben adoptarse.
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