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Anti-Money Laundering Policy

SoundBridge Live Ltd

Last updated: May 2026

1. Introduction

SoundBridge Live Ltd (Company No. 16854928, registered in England and Wales) is committed to preventing money laundering and financial crime on its platform. This policy outlines the measures SoundBridge takes to detect, prevent, and report suspicious activity in accordance with applicable UK regulations including the Proceeds of Crime Act 2002 and the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017.

2. Scope

This policy applies to all financial transactions processed through the SoundBridge platform, including fan tipping, event ticket sales, music sales, service bookings, and creator withdrawal payouts.

3. Customer Due Diligence

SoundBridge applies the following due diligence measures to creators and users on the platform:

3.1 Identity Verification

All creators who wish to withdraw earnings from the platform are required to complete identity verification via our third-party KYC provider (Persona). This includes submission of a government-issued photo ID and a live selfie verification check.

3.2 Bank Account Verification

Creator bank account details are verified via API before any payout is initiated. Payouts are made exclusively to the verified bank account on file for the verified creator account. No third-party disbursements are permitted.

3.3 Platform Terms

All users must accept SoundBridge's Terms of Service, Privacy Policy, and content policies at registration. By accepting these terms, users confirm they will not use the platform for unlawful purposes.

4. Prohibited Activities

The following activities are strictly prohibited on SoundBridge:

  • Using the platform to launder money or conceal the proceeds of crime
  • Structuring transactions to avoid reporting thresholds
  • Providing false identity information during verification
  • Using the platform to fund terrorist activities or organisations
  • Processing payments on behalf of sanctioned individuals or entities
  • Any activity that violates applicable UK or international financial crime laws

Accounts found to be engaged in prohibited activities will be immediately suspended and reported to the relevant authorities.

5. Transaction Monitoring

SoundBridge monitors platform transactions for unusual or suspicious activity including but not limited to:

  • Unusually large or frequent tip transactions inconsistent with a creator's activity history
  • Multiple withdrawal requests in a short period from a newly verified account
  • Mismatches between declared identity and payment details
  • Activity patterns inconsistent with legitimate creative industry use

All first-time withdrawals above a defined threshold are subject to manual review before processing.

6. Reporting Suspicious Activity

Where SoundBridge identifies or suspects money laundering or financial crime, the following steps are taken:

6.1 Internal escalation to the platform administrator for immediate review and transaction hold where appropriate.

6.2 Where required by law, a Suspicious Activity Report (SAR) is submitted to the National Crime Agency (NCA) via the UKFIU reporting system.

6.3 Records of the suspicious activity, including all relevant transaction data and identity information, are retained in accordance with UK data retention requirements.

SoundBridge does not tip off any individual or entity that a SAR has been filed.

7. Record Keeping

SoundBridge retains the following records for a minimum of five years from the date of the transaction or the end of the business relationship:

  • Identity verification records for all verified creators
  • Bank account verification records
  • All payout transaction records linked to verified identity
  • Any suspicious activity reports or internal escalation records

8. Payment Processing Partners

SoundBridge processes payments through the following regulated third-party partners:

Stripe Payments Europe Ltd — FCA authorised payment institution, responsible for card payment processing, fraud detection, and consumer-facing payment compliance.

Fincra — licensed payment service provider responsible for cross-border payouts to African beneficiaries (Nigeria, Ghana, Kenya and other supported corridors).

Both partners apply their own AML and compliance controls in addition to SoundBridge's internal measures.

9. Compliance Oversight

The Founder and CEO of SoundBridge Live Ltd, Justice Chetachukwu Asibe, currently holds oversight responsibility for AML compliance. As the business scales, SoundBridge is committed to appointing a qualified Money Laundering Reporting Officer (MLRO) and engaging third-party compliance review ahead of material growth in transaction volumes.

10. Policy Review

This policy is reviewed and updated regularly to reflect changes in applicable regulations, business operations, and best practice. The date of the most recent review is shown at the top of this page.

11. Contact

For questions relating to this policy please contact:

Justice Chetachukwu Asibe

Founder and CEO, SoundBridge Live Ltd

justice@soundbridge.live

soundbridge.live