AML & KYC Compliance
How Reserva Europe AB meets its anti-money-laundering, identity-verification and data-processing obligations, and the regulated third parties that support us.
Compliance framework
Anti-money laundering
We maintain anti-money-laundering procedures in accordance with the EU anti-money-laundering directives and Swedish financial regulation. All transactions are monitored, and suspicious activity is reported to the relevant authorities.
Know your customer
Your identity is verified before we process any transaction. Verification covers document checks, confirmation of your address and, for larger purchases, documentation of your source of funds.
LBMA compliance
All metals are sourced exclusively from refiners certified by the London Bullion Market Association.
OECD due diligence
Our sourcing follows the OECD Due Diligence Guidance for Responsible Supply Chains of Minerals from Conflict-Affected and High-Risk Areas.
KYC requirements
- A valid government-issued photo ID: passport, national identity card or driving licence.
- Proof of address dated within the last three months, such as a utility bill or bank statement.
- A source-of-funds declaration for purchases over €10,000.
- Enhanced due diligence for politically exposed persons.
KYC processor: Sumsub
GULD.COM has appointed Sum and Substance Ltd. (“Sumsub”) as its identity-verification processor. When you complete verification from your account, the Sumsub SDK is loaded in your browser and the following processing takes place under a data-processing agreement concluded pursuant to Article 28 GDPR.
- Capture of your government-issued identity document and a live selfie or liveness video.
- Automated document authenticity, biometric face-match and liveness checks.
- Sanctions, politically-exposed-person and adverse-media screening against regulatory watchlists.
- Return of a verification status — approved, rejected or pending — to GULD.COM, together with the identity attributes required under the fifth and sixth EU anti-money-laundering directives.
Sumsub acts as our processor. Reserva Europe AB remains the controller of your identity data.
Verification records and supporting documents are retained for the statutory 10-year anti-money-laundering period and then deleted.
Sub-processors
The third parties below process personal data on our behalf. Each operates under a written data-processing agreement with appropriate transfer safeguards under Chapter V GDPR where processing takes place outside the European Economic Area.
| Sub-processor | Purpose | Data categories | Location |
|---|---|---|---|
| Sum and Substance Ltd. (Sumsub) | KYC / AML identity verification — ID document capture, liveness detection, sanctions and PEP screening. | Identity document images, selfie/liveness video, name, date of birth, nationality, address, verification result. | United Kingdom / EEA |
| Mollie B.V. | Regulated payment service provider for card payments and bank transfers at checkout. | Name, email, billing address, order amount, tokenised payment credentials. | Netherlands (EEA) |
| Amazon Web Services EMEA SARL | Application and database hosting, object storage for uploaded documents (S3), and transactional email delivery (SES). | Account credentials, profile data, order records, uploaded documents, application logs, email addresses and message content. | European Union (eu-north-1, Stockholm) |
| PostHog | Product analytics, collected only after you grant analytics consent. Requests are proxied through guld.com so no data is sent to a third-party domain from your browser. | Pseudonymised device and usage events, truncated IP address, consent state. | European Union (EU Cloud) |
Reporting obligations
GULD.COM is obliged to report suspicious transactions to Finansinspektionen and to Finanspolisen, the Swedish financial intelligence unit, as well as to other competent European authorities where applicable.
Questions about our compliance programme can be sent to compliance@guld.com.