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FLASHMUNK Compliance & Security Policy
FLASHMUNK Anti-Money Laundering and Anti-Fraud Compliance Policy FLASHMUNK 反洗钱及反诈骗合规政策
Effective Date: February 13, 2026 生效日期：2026年2月13日

This Policy is formulated by FLASHMUNK (hereinafter referred to as “the Website”) to strictly comply with the anti-money laundering (AML), anti-telecom and online fraud-related laws, regulations and regulatory requirements in various regions around the world, including but not limited to China’s Measures for the Supervision and Administration of Non-Bank Payment Institutions, the EU MiCA Framework, the relevant regulations of the U.S. FinCEN, and the regulatory requirements of Singapore’s MAS. It aims to prevent and curb money laundering, fraud and other illegal and criminal activities conducted through the Website’s game recharge services, protect the legitimate rights and interests of the Website, users and third-party payment institutions, and maintain financial order and network security. This Policy applies to all users (including registered users and guests) who use the Website’s services, the Website’s operation team and relevant cooperative parties.

I. Core Principles and Responsibility Statement

  1. Compliance Priority Principle: The Website strictly follows the core guidelines of “legality, safety, integrity and controllability”, embeds anti-money laundering and anti-fraud compliance requirements into the entire process of game recharge, and takes the initiative to cooperate with financial regulatory authorities, law enforcement agencies and third-party payment institutions in various regions around the world in compliance inspections and investigations, and will never tolerate any illegal or irregular activities.
  2. Risk Prevention and Control Principle: The Website has established a sound mechanism for risk identification, assessment, monitoring and disposal, regularly investigates compliance risk points in the game recharge business, formulates special prevention and control measures for special scenarios such as virtual currency transactions and cross-border recharges, and continuously optimizes the risk control system to reduce compliance risks.
  3. Clear Responsibility Principle: The Website’s operation team assumes the main responsibility for anti-money laundering and anti-fraud compliance work, and is responsible for the formulation, update, implementation and employee training of this Policy; users shall strictly abide by this Policy and relevant laws and regulations, and standardize the use of recharge services. If illegal risks arise due to users’ irregular operations, the users shall bear full responsibility.
  4. Coordination and Cooperation Principle: The Website has established a compliance coordination mechanism with third-party payment institutions, shares necessary risk information (excluding users’ private and sensitive data), jointly prevents cross-link money laundering and fraud activities, and ensures that the capital flow, transaction flow and information flow are traceable and verifiable.

II. Anti-Money Laundering Compliance Measures

(I) User Identification and Verification (KYC)

To prevent money laundering risks caused by anonymous or fake-name recharges, the Website strictly implements the user identification system, with specific measures as follows:

  1. Registered users are required to provide true, accurate and complete identity information, including but not limited to name, contact information, registration email, and valid identity documents such as ID card/passport. The Website will verify the authenticity of the information and refuse to provide recharge services to users with incomplete or false identity information.
  2. For users with large-value recharges, high-frequency recharges or abnormal behaviors, the Website has the right to require users to supplement and submit identity verification materials (such as photos of the front and back of the identity document, photos of holding the identity document, proof of fund source, etc.) to further verify the user’s identity and the legality of funds, and users are required to actively cooperate; if the user refuses to cooperate, the Website has the right to suspend or terminate its recharge services until the risk is eliminated.
  3. The Website strictly encrypts and properly stores users’ identity information in accordance with regulatory requirements and the provisions of third-party payment institutions, which is only used for anti-money laundering compliance verification and shall not be disclosed, sold or illegally provided to third parties, complying with the requirements of user data protection laws and regulations such as GDPR and CCPA.

(II) Transaction Monitoring and Abnormal Disposal

The Website has established a transaction monitoring system, which combines the risk control capabilities of third-party payment institutions to conduct real-time monitoring of all game recharge transactions, focusing on identifying the following abnormal transaction behaviors (including but not limited to):

  1. A single recharge amount is too large, frequent large-value recharges are conducted in a short period of time, which is obviously inconsistent with the user’s daily game consumption habits;
  2. The same IP address, the same device, or the same payment account frequently switches user accounts for recharges, or multiple user accounts use the same payment account for recharges;
  3. Applying for a full refund immediately after recharge, or conducting multiple recharges and multiple refunds in a short period of time with abnormal transaction behaviors;
  4. For cross-border recharges, the region of fund source and the user’s registration region are inconsistent with the game operation region, and no reasonable explanation can be provided;
  5. Evading the verification requirements for large-value recharges by splitting multiple small-value recharges to complete large-value fund transfers;
  6. The source of recharge funds is unknown, or the user cannot explain the legality of the funds.

For the abnormal transactions detected, the Website will take the following disposal measures:

  1. Suspend the relevant recharge transactions and verify the transaction behaviors;
  2. Notify the user to supplement and submit supporting materials for the rationality of the transaction and the legality of the funds;
  3. If it is verified that the transaction is suspected of money laundering, immediately terminate the relevant services, freeze the involved transaction funds (if necessary), and timely report the Suspicious Activity Report (SAR) to the local financial regulatory authorities and law enforcement agencies in accordance with regulatory requirements and the agreement of third-party payment institutions;
  4. Retain records related to abnormal transactions, including transaction time, amount, payment account, IP address, device information, etc., for a retention period that meets regulatory requirements (not less than 5 years).

(III) Virtual Asset and Fund Management

  1. The Website clearly stipulates that virtual assets such as virtual currency and game points purchased through game recharges can only be used for in-game consumption supported by the Website, and cannot be withdrawn, converted into legal tender, or transferred to other third parties, so as to prevent virtual assets from being used as money laundering tools.
  2. The Website strictly standardizes the fund flow process in accordance with the fund management requirements of third-party payment institutions, ensures that the recharge funds are used exclusively for their intended purposes, and shall not misappropriate, occupy or borrow users’ recharge funds to ensure fund safety.
  3. The Website regularly reconciles the users’ recharge fund flow and virtual asset issuance records to ensure that the fund flow is consistent with the transaction flow, forming a complete closed loop of accounting compliance.

III. Anti-Fraud Compliance Measures

(I) Fraud Risk Prevention and User Reminder

The Website promotes anti-fraud knowledge to users through various channels and reminds users to guard against various types of game recharge fraud behaviors, with specific measures as follows:

  1. Set up anti-fraud reminder pop-ups and announcements in prominent positions such as the Website’s homepage, recharge page and user center, clearly inform users of common fraud methods (such as fake recharge links, impersonating customer service to ask for account passwords/verification codes, inducing private transactions, high rebate fraud, etc.), and remind users to stay alert.
  2. During the recharge process, pop-up reminders will be sent for abnormal recharge scenarios (such as non-owner payment, off-site recharge, multiple large-value recharges in a short period of time) to inform users to confirm the security of the transaction and avoid wrong recharge or being defrauded.
  3. Regularly push anti-fraud knowledge and the latest fraud cases to users through Website announcements, emails, short messages and other methods, guide users to properly keep sensitive information such as personal accounts, payment accounts and verification codes, and not to disclose or lend them to others.

(II) Fraud Identification and Disposal

The Website focuses on identifying the following fraud behaviors conducted through game recharge services (including but not limited to):

  1. Impersonating the Website’s customer service or the official game customer service to induce users to recharge and transfer funds to defraud users’ property;
  2. Using fake game accounts or fake recharge links to induce users to recharge, and failing to provide corresponding virtual assets or directly disappearing after recharge;
  3. Inducing users to conduct large-value recharges in the name of “low-price recharge”, “high rebate”, “recharge to unfreeze account”, etc., to implement fraud;
  4. Stealing others’ accounts and payment accounts to recharge through the Website and transfer stolen funds;
  5. Minors making large-value recharges without the consent of their guardians by using their guardians’ payment accounts, and the guardians raise objections and verify the situation.

For the identified fraud behaviors and related complaints, the Website will take the following disposal measures:

  1. Immediately suspend the relevant user accounts and recharge functions, and verify the authenticity of the transactions and relevant evidence;
  2. Actively cooperate with the investigations of users, guardians and law enforcement agencies, and provide relevant transaction records and user information (within the legally providable scope);
  3. If it is verified that there is a fraud behavior, immediately terminate the service agreement with the involved user, freeze the involved account and relevant transaction funds, assist the victim in recovering losses (if necessary), and report the involved information to the law enforcement agencies;
  4. Block the IP addresses, device information and payment accounts suspected of fraud, and prohibit them from using the Website’s services again.

(III) Third-Party Cooperation Prevention and Control

  1. The Website only cooperates with third-party payment institutions with legal qualifications and compliant risk control capabilities, signs compliant cooperation agreements, clarifies the anti-fraud responsibilities of both parties, and requires third-party payment institutions to provide transaction risk control support to jointly intercept fraudulent transactions.
  2. Any unauthorized third-party recharge agency behavior is prohibited, including but not limited to users purchasing recharge services from third-party recharge platforms, entrusting third parties to recharge on their behalf, providing game accounts for third-party devices to log in and recharge, etc., to prevent fraud risks caused by third-party recharge agency.

IV. User Compliance Obligations

All users who use the Website’s recharge services shall strictly fulfill the following compliance obligations:

  1. Ensure that their identity information is true, accurate and complete, and shall not use false identity information to register accounts or conduct recharges, nor use others’ identity information or payment accounts to conduct recharges;
  2. Ensure that the source of recharge funds is legal, and shall not use funds obtained from illegal and criminal activities such as money laundering, fraud, gambling and illegal fund-raising to conduct recharges;
  3. Standardize the use of the Website’s services, and shall not use the Website’s recharge services to conduct illegal and criminal activities such as money laundering, fraud and transfer of illegal funds, nor assist others in conducting the above-mentioned activities;
  4. Properly keep sensitive information such as personal accounts, passwords, payment accounts and verification codes, and shall not disclose or lend them to others; if any abnormal account or payment is found, immediately notify the Website’s customer service and take corresponding prevention and control measures;
  5. Actively cooperate with the identity verification and transaction verification work of the Website and third-party payment institutions, truthfully provide relevant supporting materials, and shall not refuse, conceal or provide false information;
  6. Minors shall use the Website’s recharge services only with the consent and supervision of their guardians, and guardians shall properly keep their own payment account information to prevent minors from making wrong recharges or excessive recharges;
  7. Take the initiative to learn anti-money laundering and anti-fraud knowledge, improve the awareness of risk prevention, and if any behavior suspected of money laundering or fraud is found, promptly report it to the Website’s customer service and cooperate with relevant investigations.

V. Liability for Violations and Penalties

  1. If a user violates this Policy and relevant laws and regulations, and engages in irregular behaviors such as money laundering, fraud, impersonating others’ identity, and using illegal funds for recharges, the Website has the right to take the following penalty measures (including but not limited to): suspending recharge services, freezing user accounts, freezing transaction funds, canceling relevant transactions, terminating the service agreement, and not refunding the recharged amount;
  2. If a user’s irregular behavior leads to illegal crimes, the Website will immediately report it to the local law enforcement agencies and financial regulatory authorities, and cooperate in investigating the user’s criminal liability and administrative liability; if any loss is caused to the Website, third-party payment institutions or other users, the user shall bear full compensation liability;
  3. If an employee of the Website’s operation team violates this Policy, fails to perform compliance duties, and engages in behaviors such as dereliction of duty, malfeasance and collusion in irregularities, the Website will impose penalties in accordance with internal management systems; if it involves illegal activities, it will be transferred to the law enforcement agencies for handling.

VI. Policy Update and Disclosure

  1. The Website will regularly revise and improve this Policy in accordance with the updates of anti-money laundering and anti-fraud related laws and regulations in various regions around the world, as well as the compliance requirements of third-party payment institutions and changes in industry risks. The revised Policy will be announced in a prominent position on the Website’s homepage, and will take effect on the date of announcement, without separately notifying users;
  2. Users shall regularly check this Policy. If users continue to use the Website’s services, it shall be deemed that they have read, understood and agreed to the revised Policy; if users disagree with the revised Policy, they shall immediately stop using the Website’s services;
  3. The final interpretation right of this Policy belongs to FLASHMUNK. If users have any questions about this Policy, they can consult through the Website’s customer service channels.

VII. Reporting Channels and Contact Information

If users find any behavior suspected of money laundering, fraud, irregular recharge, etc., or have any questions or suggestions about the Website’s compliance work, they can report or consult through the following channels. The Website will verify and handle it in a timely manner after receiving the information, and strictly protect the privacy of the reporter:

  1. Customer Service Email: hello@flashmunk.com
  2. Online Customer Service: Online Customer Service entrance on the Website’s homepage (Working hours: 9:00–18:00 on weekdays)

FLASHMUNK solemnly promises to strictly abide by this Policy, fully implement anti-money laundering and anti-fraud compliance requirements, and work together with users, third-party payment institutions and regulatory authorities to create a safe, legal and honest game recharge environment.

Issued by the Operation Team of FLASHMUNK

本政策由 FLASHMUNK（以下简称“本网站”）制定，旨在严格遵守全球各地区反洗钱（Anti-Money Laundering, AML）、反电信网络诈骗相关法律法规及监管要求， 包括但不限于中国《非银行支付机构监督管理条例》、欧盟 MiCA 框架、美国 FinCEN 相关规定、新加坡 MAS 监管要求等，防范和遏制利用本网站游戏充值服务进行的洗钱、诈骗及其他违法犯罪活动， 保护本网站、用户及第三方支付机构的合法权益，维护金融秩序和网络安全。本政策适用于所有使用本网站服务的用户（包括注册用户、游客）、本网站运营团队及合作相关方。

一、核心原则与责任声明

  1. 合规优先原则：本网站严格遵循“合法、安全、诚信、可控”的核心准则，将反洗钱、反诈骗合规要求嵌入游戏充值全流程，主动配合全球各地区金融监管机构、执法部门及第三方支付机构的合规检查与调查工作，绝不纵容任何违法违规行为。
  2. 风险防控原则：本网站建立健全风险识别、评估、监测及处置机制，定期排查游戏充值业务中的合规风险点，针对虚拟货币交易、跨境充值等特殊场景制定专项防控措施，持续优化风控体系，降低合规风险。
  3. 责任明确原则：本网站运营团队对反洗钱、反诈骗合规工作承担主体责任，负责政策的制定、更新、落地及员工培训；用户应严格遵守本政策及相关法律法规，规范使用充值服务，若因用户违规操作引发违法风险，由用户自行承担全部责任。
  4. 协同配合原则：本网站与第三方支付机构建立合规协同机制，共享必要的风险信息（不含用户隐私敏感数据），共同防范跨环节的洗钱、诈骗行为，确保资金流、交易流、信息流的可追溯、可核查。

二、反洗钱相关合规措施

（一）用户身份识别与核实（KYC）

为防范匿名充值、假名充值引发的洗钱风险，本网站严格执行用户身份识别制度，具体措施如下：

  1. 注册用户需提供真实、准确、完整的身份信息，包括但不限于姓名、联系方式、注册邮箱、身份证/护照等有效身份证件信息，本网站将对信息的真实性进行核查，拒绝为身份信息不完整、虚假的用户提供充值服务。
  2. 针对大额充值、高频充值或存在异常行为的用户，本网站有权要求用户补充提交身份验证材料（如身份证件正反面照片、手持证件照片、资金来源证明等），进一步核实用户身份及资金合法性，用户需积极配合；若用户拒绝配合，本网站有权暂停或终止其充值服务，直至排除风险。
  3. 本网站严格按照监管要求及第三方支付机构规定，对用户身份信息进行加密存储、妥善保管，仅用于反洗钱合规核查，不得泄露、出售或非法提供给第三方，符合 GDPR、CCPA 等用户数据保护法规要求。

（二）交易监测与异常处置

本网站建立交易监测系统，结合第三方支付机构的风控能力，对所有游戏充值交易进行实时监测，重点识别以下异常交易行为（包括但不限于）：

  1. 单笔充值金额过大、短期内频繁进行大额充值，且与用户日常游戏消费习惯明显不符；
  2. 同一IP地址、同一设备、同一支付账户频繁切换用户账号进行充值，或多个用户账号使用同一支付账户充值；
  3. 充值后立即申请全额退款，或短期内多次充值、多次退款，交易行为异常；
  4. 跨境充值时，资金来源地区、用户注册地区与游戏运营地区不符，且无法提供合理说明；
  5. 规避大额充值核查要求，拆分多笔小额充值完成大额资金划转；
  6. 充值资金来源不明，或用户无法说明资金合法来源。

针对监测到的异常交易，本网站将采取以下处置措施：

  1. 暂停相关充值交易，对交易行为进行核查；
  2. 通知用户补充提交交易合理性、资金合法性的证明材料；
  3. 若核实交易存在洗钱嫌疑，立即终止相关服务，冻结涉案交易资金（如需），并按照监管要求及第三方支付机构约定，及时向当地金融监管机构、执法部门上报可疑交易报告（SAR）；
  4. 留存异常交易相关记录，包括交易时间、金额、支付账户、IP地址、设备信息等，留存期限符合监管要求（不少于5年）。

（三）虚拟资产与资金管理

  1. 本网站明确约定，游戏充值所购买的虚拟货币、游戏点数等虚拟资产，仅可用于本网站支持的游戏内消费，不可提现、不可兑换为法定货币，不可转让给其他第三方，防范虚拟资产被用于洗钱工具。
  2. 本网站严格按照第三方支付机构的资金管理要求，规范资金流转流程，确保充值资金专款专用，不得挪用、占用、借用用户充值资金，保障资金安全。
  3. 本网站定期对用户充值资金流水、虚拟资产发放记录进行核对，确保资金流与交易流一致，形成完整的账务合规闭环。

三、反诈骗相关合规措施

（一）诈骗风险防范与用户提醒

本网站通过多种渠道向用户宣传反诈骗知识，提醒用户防范各类游戏充值诈骗行为，具体措施如下：

  1. 在网站首页、充值页面、用户中心等显著位置，设置反诈骗提醒弹窗、公告，明确告知用户常见诈骗手段（如虚假充值链接、冒充客服索要账号密码/验证码、诱导私下交易、高额返利诈骗等），提醒用户提高警惕。
  2. 充值过程中，对异常充值场景（如非本人支付、异地充值、短期内多次大额充值）进行弹窗提醒，告知用户确认交易的安全性，避免误充或被诈骗。
  3. 定期通过网站公告、邮件、短信等方式，向用户推送反诈骗知识及最新诈骗案例，引导用户规范保管个人账号、支付账户、验证码等敏感信息，不泄露、不转借。

（二）诈骗行为识别与处置

本网站重点识别以下利用游戏充值服务进行的诈骗行为（包括但不限于）：

  1. 冒充本网站客服、游戏官方客服，诱导用户进行充值、转账，骗取用户财物；
  2. 利用虚假游戏账号、虚假充值链接，诱导用户充值，充值后不提供相应虚拟资产或直接失联；
  3. 以“低价充值”“高额返利”“充值解冻账号”等名义，诱导用户进行大额充值，实施诈骗；
  4. 盗用他人账号、支付账户，通过本网站进行充值，转移被盗资金；
  5. 未成年人未经监护人同意，擅自使用监护人支付账户进行大额充值，且监护人提出异议并核实。

针对识别到的诈骗行为及相关投诉，本网站将采取以下处置措施：

  1. 立即暂停相关用户账号、充值功能，核查交易真实性及相关证据；
  2. 积极配合用户、监护人及执法部门的调查，提供相关交易记录、用户信息（依法可提供的范围）；
  3. 若核实存在诈骗行为，立即终止与涉案用户的服务协议，冻结涉案账号及相关交易资金，协助受害人追回损失（如需），并将涉案信息上报执法部门；
  4. 对涉嫌诈骗的IP地址、设备信息、支付账户进行拉黑处理，禁止其再次使用本网站服务。

（三）第三方合作防控

  1. 本网站仅与具备合法资质、合规风控能力的第三方支付机构合作，签订合规合作协议，明确双方反诈骗责任，要求第三方支付机构提供交易风控支持，共同拦截诈骗交易。
  2. 禁止任何未经授权的第三方代充行为，包括但不限于用户向第三方充值平台购买充值服务、委托第三方代为充值、提供游戏账号由第三方设备登录充值等，防范第三方代充引发的诈骗风险。

四、用户合规义务

所有使用本网站充值服务的用户，应严格履行以下合规义务：

  1. 保证自身身份信息真实、准确、完整，不得使用虚假身份信息注册账号、进行充值，不得冒用他人身份信息、支付账户进行充值；
  2. 保证充值资金来源合法，不得使用洗钱、诈骗、赌博、非法集资等违法犯罪活动所得资金进行充值；
  3. 规范使用本网站服务，不得利用本网站充值服务进行洗钱、诈骗、转移非法资金等违法犯罪活动，不得协助他人实施上述行为；
  4. 妥善保管个人账号、密码、支付账户、验证码等敏感信息，不得泄露、转借他人，若发现账号异常、支付异常，应立即通知本网站客服，并采取相应防控措施；
  5. 积极配合本网站及第三方支付机构的身份核实、交易核查工作，如实提供相关证明材料，不得拒绝、隐瞒、提供虚假信息；
  6. 未成年人使用本网站充值服务，必须在监护人的同意和监督下进行，监护人应妥善保管自身支付账户信息，防范未成年人误充、滥充；
  7. 主动学习反洗钱、反诈骗知识，提高风险防范意识，若发现涉嫌洗钱、诈骗的行为，应及时向本网站客服举报，并配合相关调查。

五、违规责任与处罚

  1. 若用户违反本政策及相关法律法规，存在洗钱、诈骗、冒用他人身份、使用非法资金充值等违规行为，本网站有权采取以下处罚措施（包括但不限于）：暂停充值服务、冻结用户账号、冻结交易资金、撤销相关交易、终止服务协议，且不退还已充值金额；
  2. 若用户违规行为引发违法犯罪，本网站将立即上报当地执法部门、金融监管机构，配合追究用户的刑事责任、行政责任；若给本网站、第三方支付机构或其他用户造成损失，用户应承担全部赔偿责任；
  3. 本网站运营团队员工若违反本政策，未履行合规职责，存在失职、渎职、串通违规等行为，本网站将依据内部管理制度给予处罚；若涉嫌违法，将移交执法部门处理。

六、政策更新与披露

  1. 本网站将根据全球各地区反洗钱、反诈骗相关法律法规的更新，以及第三方支付机构的合规要求、行业风险变化，定期对本政策进行修订和完善，修订后的政策将在本网站首页显著位置发布公告，公告发布之日起生效，不再另行单独通知用户；
  2. 用户应定期查阅本政策，若用户继续使用本网站服务，即视为已阅读、理解并同意修订后的政策；若用户不同意修订后的政策，应立即停止使用本网站服务；
  3. 本政策的最终解释权归 FLASHMUNK 所有，用户若对本政策有疑问，可通过本网站客服渠道咨询。

七、举报渠道与联系方式

用户若发现涉嫌洗钱、诈骗、违规充值等行为，或对本网站合规工作有疑问、建议，可通过以下渠道举报、咨询，本网站将在收到信息后及时核实处理，并严格保护举报人的隐私：

  1. 客服邮箱：hello@flashmunk.com
  2. 在线客服：本网站首页在线客服入口（工作日 9:00-18:00）

FLASHMUNK 郑重承诺，将严格恪守本政策，全力落实反洗钱、反诈骗合规要求，与用户、第三方支付机构、监管部门携手，共同营造安全、合法、诚信的游戏充值环境。

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