AML KYC Policy

BLOXBAY.GG — AML, KYC & FINANCIAL CRIME PREVENTION POLICY

Last updated: September 1, 2026

This Anti-Money Laundering, Know Your Customer and Financial Crime Prevention Policy (the “AML/KYC Policy”) describes the measures BloxBay.gg may apply to prevent fraud, money laundering, terrorist financing, payment abuse, sanctions violations and other illicit or suspicious activity.

This Policy forms part of the rules governing use of BloxBay.

By using BloxBay, including purchasing, selling, depositing Items, requesting Item Withdrawals, receiving Balance or requesting Payouts, the User agrees to comply with this Policy.

1. PURPOSE

BloxBay operates a marketplace involving digital in-game Items, User-to-User sales, payments, Seller Balance and Payouts.

Because such activity may be targeted for fraud, stolen payment methods, chargeback abuse, compromised accounts or other financial misconduct, BloxBay applies risk-based security and financial-crime controls.

BloxBay may cooperate with Stripe, Stripe Connect, financial institutions, payment networks and competent authorities where necessary.

Nothing in this Policy shall be interpreted as BloxBay voluntarily assuming a regulatory status or obligation that does not otherwise apply to BloxBay.

2. PAYMENT AND PAYOUT PROVIDERS

BloxBay currently uses Stripe and Stripe Connect for payment and Seller Payout functionality.

Users requesting Payouts may be required to create or connect a Stripe Connected Account and complete Stripe's onboarding and verification requirements.

Stripe-hosted onboarding may collect identity, business, banking or other verification information directly from the User according to the User's country, account configuration, requested capabilities and risk profile.

BloxBay does not currently directly collect or store identity documents submitted through Stripe-hosted KYC verification.

Stripe may nevertheless communicate to BloxBay whether a Connected Account is verified, restricted, incomplete, eligible for Payouts or subject to additional requirements.

3. KYC VERIFICATION

BloxBay does not routinely require identity verification from every User merely to browse or use basic marketplace functionality.

KYC or additional verification may nevertheless be required where appropriate, including in connection with:

Seller Payouts;

unusual transaction activity;

unusually high values or volumes;

suspected fraud;

suspected account compromise;

chargebacks or payment disputes;

suspicious Balance activity;

regulatory or sanctions concerns;

requirements imposed by Stripe or another financial institution;

information suggesting that previous verification may be inaccurate or insufficient.

BloxBay may require a User to complete additional verification through Stripe or another approved verification provider before permitting further transactions or Payouts.

Stripe Connect uses KYC requirements to verify persons receiving funds and may require additional information or documents where its verification systems cannot complete the required checks automatically.

4. NO PUBLIC KYC THRESHOLDS

BloxBay does not publish fixed internal fraud, AML or KYC thresholds.

Transaction values, account history, frequency, velocity, behavior patterns, Item movements, payment activity and other risk indicators may all be considered.

The absence of a publicly announced threshold does not prevent BloxBay from reviewing or restricting any transaction or account.

A User must not structure transactions, split activity across multiple accounts or otherwise attempt to avoid BloxBay, Stripe or payment-provider monitoring.

5. TRANSACTION MONITORING

BloxBay may review marketplace activity for indicators of suspicious, fraudulent or abusive conduct.

Indicators may include, without limitation:

unusually large Purchases or Sales;

unusually rapid increases in transaction volume;

repeated Deposit and Withdrawal activity without an apparent ordinary marketplace purpose;

repeated movement of Items between related accounts;

unusually rapid resale patterns;

suspicious use of multiple BloxBay accounts;

activity inconsistent with previous account behavior;

repeated payment failures;

payment methods associated with fraud alerts;

chargebacks;

attempted exploitation of Balance;

transactions involving compromised accounts;

Items suspected of originating from hacking, duplication, exploits or other illegitimate activity;

behavior intended to obscure the origin or destination of funds or Items;

attempts to circumvent Payout reviews;

false or misleading information supplied during verification.

BloxBay is not required to disclose which specific indicator caused a review.

6. MANUAL REVIEW OF PAYOUTS

Seller Payout requests may be subject to manual review before approval.

The ordinary target processing period may be approximately 2–5 business days, but this is not a guaranteed completion period.

BloxBay may extend the review period where necessary due to:

suspected fraud;

unusual transaction history;

chargebacks;

payment reversals;

AML/KYC concerns;

Stripe restrictions;

sanctions concerns;

security incidents;

account compromise;

technical problems;

requests from financial institutions;

requests from competent authorities;

incomplete verification;

other circumstances requiring investigation.

No User is entitled to immediate Payout merely because a Payout request has been submitted.

7. SUSPENSION DURING REVIEW

Where an account or transaction is under review, BloxBay may temporarily restrict or suspend access to any or all of the following:

Payouts;

Balance;

Purchases;

Sales;

Listings;

Deposits;

Item Withdrawals;

account functionality.

Restrictions may remain in effect for as long as reasonably necessary to investigate the relevant issue or to comply with requirements imposed by Stripe, another financial institution or a competent authority.

BloxBay may restrict the entire account rather than only the specific transaction under review where broader restrictions are reasonably considered necessary to protect BloxBay or the marketplace.

8. FAILURE OR REFUSAL TO COMPLETE VERIFICATION

Where BloxBay, Stripe or another relevant provider requires verification and the User fails or refuses to complete it, BloxBay may:

refuse the Payout;

maintain restrictions on Balance or account functionality;

suspend the account;

permanently terminate the account;

refuse future marketplace access.

BloxBay is not required to provide unrestricted financial functionality to a User who has not completed a required verification process.

9. FRAUDULENT OR INVALID FUNDS

Balance or funds associated with fraud, stolen payment methods, invalid transactions, reversed payments, abusive chargebacks, technical exploits or other illegitimate activity may be frozen, reversed, removed or offset.

Where value has already been provided before the underlying payment is reversed, the resulting amount may become a debt owed by the User to BloxBay.

BloxBay may offset such amounts against:

existing Balance;

future sale proceeds;

pending Payouts;

other amounts otherwise payable to the User.

10. CHARGEBACKS

Chargebacks must not be used fraudulently or abusively.

A chargeback or payment dispute may trigger:

immediate account review;

suspension;

freezing of Balance or Items;

withholding of Payouts;

examination of transaction and bot records;

permanent account termination in cases of abuse or fraud.

BloxBay may provide relevant records to Stripe, banks, payment networks or other parties involved in resolving the dispute.

11. SUSPICIOUS ITEMS

BloxBay may investigate Items suspected of originating from:

compromised Minecraft/Hypixel accounts;

hacking;

exploits;

duplication;

fraud;

unauthorized access;

other suspicious or invalid activity.

Affected Items may be temporarily frozen and made unavailable for Purchase, Sale or Withdrawal while BloxBay investigates.

Items determined to result from invalid or fraudulent activity may be removed or otherwise restricted.

Users must not knowingly introduce suspicious or illegitimately obtained Items into the BloxBay marketplace.

12. SANCTIONS AND RESTRICTED JURISDICTIONS

BloxBay may restrict, suspend or prohibit access to BloxBay or particular features from any country, territory, individual or account where necessary because of:

European Union sanctions;

French sanctions or asset-freezing measures;

other applicable governmental restrictions;

requirements imposed by Stripe;

requirements imposed by a bank, card network or financial institution;

legal or compliance risks.

French and EU rules may require freezing assets or prohibiting funds or economic resources from being made available to designated persons or entities.

Stripe also conducts sanctions screening for Connected Accounts and may pause Payouts where sanctions concerns arise.

BloxBay may therefore block countries, territories or Users without prior notice where necessary for compliance.

13. COUNTRY AVAILABILITY

The fact that BloxBay is technically accessible from a country does not guarantee that every BloxBay feature is legally or operationally available there.

BloxBay may at any time:

stop accepting Users from a jurisdiction;

disable Purchases;

disable Sales;

disable Payouts;

disable Deposits or Withdrawals;

require additional verification;

close or restrict affected accounts.

Availability may depend on applicable law and the services supported by Stripe or other providers.

14. MULTIPLE ACCOUNTS

Users may operate multiple BloxBay accounts where otherwise permitted by the Terms of Service.

Multiple accounts must not be used to:

evade KYC or AML review;

avoid Payout restrictions;

bypass sanctions;

avoid account limits;

conceal transaction volume;

exploit bugs;

circumvent suspension or termination;

manipulate the marketplace.

BloxBay may treat apparently related accounts as a single risk profile where necessary for investigation.

15. RECORD KEEPING

BloxBay may maintain transaction and security records relating to:

Purchases;

Sales;

Deposits;

Withdrawals;

Listings;

Balance movements;

Payouts;

payment disputes;

bot trades;

account activity;

investigations.

Such records may include dates, transaction identifiers, marketplace records and bot confirmations.

Relevant records may be preserved where needed for fraud prevention, dispute resolution, legal claims, financial reconciliation, security investigations or compliance.

Retention of personal data is further described in the BloxBay Privacy Policy.

16. COOPERATION WITH STRIPE AND FINANCIAL PROVIDERS

BloxBay may cooperate with Stripe, Stripe Connect, banks, card networks or other financial providers in investigating suspicious activity.

This may include providing transaction information, account identifiers, marketplace history, transaction timestamps or other information reasonably necessary to investigate fraud, chargebacks or compliance issues.

Stripe may itself impose restrictions, verification requirements or Payout pauses independently of BloxBay. Stripe's documentation confirms that verification requirements vary according to factors including country, capabilities, account type and risk level.

17. COOPERATION WITH AUTHORITIES

BloxBay may preserve or disclose information where required or reasonably necessary to respond to:

binding legal requests;

court orders;

law-enforcement requests;

competent regulatory authorities;

sanctions or asset-freezing requirements;

investigations into fraud or other unlawful activity.

BloxBay may refrain from informing a User of such action where notification is prohibited, restricted or would interfere with an investigation.

18. NO OBLIGATION TO DISCLOSE INTERNAL CONTROLS

BloxBay's fraud-detection methods, monitoring criteria, internal thresholds, risk scores, account-linking methods, bot-security systems and review procedures are confidential.

BloxBay is not required to disclose such information to Users merely because an account, transaction or Payout has been restricted or reviewed.

BloxBay may provide only such explanation as it considers appropriate in the circumstances.

19. NO GUARANTEE OF APPROVAL

Previous successful transactions, successful KYC verification, prior Payout approval or long-term use of BloxBay does not guarantee approval of future transactions or Payouts.

Risk conditions may change.

BloxBay and its providers may request new verification or impose new restrictions at any time where circumstances require it.

20. FALSE OR MISLEADING INFORMATION

Users must not knowingly provide false, misleading, incomplete or fraudulent information in connection with:

BloxBay;

Stripe Connect;

payment disputes;

support requests;

Payouts;

security investigations;

AML/KYC reviews.

Providing materially false information may result in immediate suspension or permanent termination.

21. ACCOUNT TERMINATION

BloxBay may permanently terminate an account where there is suspected or confirmed:

fraud;

money laundering;

payment abuse;

sanctions evasion;

KYC evasion;

malicious chargebacks;

manipulation of the marketplace;

exploitation of BloxBay;

deliberate circumvention of restrictions;

refusal to complete required verification;

other conduct considered materially harmful to BloxBay or its providers.

Termination does not prevent BloxBay from retaining records necessary for fraud prevention, financial reconciliation, dispute resolution or legal claims.

Amounts or Items identified as originating from fraudulent or invalid activity may be reversed, removed or applied against losses attributable to that activity.

22. POLICY CHANGES

BloxBay may modify this AML/KYC Policy to reflect changes in:

fraud risks;

Stripe requirements;

payment methods;

sanctions regimes;

regulatory requirements;

marketplace operations;

security measures.

BloxBay is not required to disclose modifications to confidential monitoring thresholds or internal detection systems.

The current public version of this Policy will display its most recent update date.

23. RELATIONSHIP WITH THE TERMS OF SERVICE

This Policy supplements the BloxBay Terms of Service.

Where a provision specifically concerns AML, KYC, fraud monitoring, sanctions, Payout reviews or financial-crime prevention, this Policy may provide more specific operational rules.

A restriction imposed under this Policy does not constitute a guarantee that any particular transaction, account or Item is free from fraud or other risk.

24. DATA PROTECTION

Personal data processed in connection with AML/KYC, fraud prevention, Stripe Connect or related investigations is handled in accordance with the BloxBay Privacy Policy and, where applicable, the policies of Stripe or other relevant service providers.

BloxBay does not currently directly store identity documents submitted through Stripe-hosted onboarding.

Stripe-hosted onboarding is designed so that Connected Account owners provide required identity and verification information through Stripe's own hosted interface.

25. CONTACT

Questions concerning this Policy may be submitted through the official BloxBay Discord support system or by email:

smtpbloxbay@gmail.com