Compliance and Anti-Money Laundering

We apply anti-money-laundering (AML) and counter-terrorism-financing (CTF) controls proportionate to our size and to our operating model, aligned with the applicable Brazilian legislation and with the requirements of the partner institutions that execute the payments.

Liquix does not custody customer funds: the balance goes straight to the wallet of the customer. That does not exempt us from identifying who uses the service and from refusing a suspicious transaction.

Every account requires identification: name, CPF, e-mail and phone number, verified at sign-up. We do not operate anonymous accounts and we do not accept sign-ups with false information.

The partner institution may require additional verification at any time, even after the account is already in use. Refusing verification leads to suspension of the service and may lead to funds being withheld by the party that issues them.

Withdrawals are only allowed to a Pix key belonging to the account holder. We do not process payouts to a third-party taxpayer number.

It is expressly prohibited to use Liquix for:

• money laundering or concealment of assets, rights and funds;
• financing of terrorism or of criminal organisations;
• tax evasion;
• circumventing national or international sanctions;
• providing false information or using someone else documents;
• creating multiple accounts without authorisation;
• any unlawful activity, or activity forbidden by the partner institution.

Where prohibited use is identified, the account is blocked and the case is reported to the competent authorities whenever the law requires it.

We apply per-transaction and daily limits, automated controls against abuse, and a record of every transaction. Transactions outside the normal pattern may be refused, paused or submitted to additional verification before proceeding.

We keep those records for the period required by law (today, at least 5 years) so that investigation and audit remain possible.

The partner institutions that execute the payments screen against national and international sanctions lists, both at sign-up and on an ongoing basis. Sanctioned persons and entities cannot use the service.

We answer valid legal requests from competent authorities, providing the identification data and transaction records required. This holds even if the customer disagrees — it is a legal obligation, not a commercial choice.

Under no circumstances do we promise to hide transactions from the authorities. Privacy here means your data is not exposed or sold — not that it is beyond the reach of the law.

Suspicion of misuse, fraud or irregularity: contato@liquix.tech

A problem with your own account: suporte@liquix.tech

Operator: CONDE NETO INTERMEDIACOES DE NEGOCIOS LTDA — company number (CNPJ) 46.843.037/0001-82
Registered office: Rua Narciso Roman, 6025, Fundos, Jardim Bom Jesus, Auriflama - SP, CEP 15350-000, Brasil

Officer responsible for AML and CTF matters: Antonio Conde Neto, managing partner — contato@liquix.tech

This English text is provided for convenience. The binding version is the Portuguese one, available at liquix.tech/compliance.