Introduction

MelonGram is committed to operating as a safe, compliant, and trustworthy money transfer service. As part of this commitment, we are required by UK law to verify the identity of all users before they can send money through our platform. This policy explains what we collect, why we collect it, and how we handle it.

1. Why We Verify Your Identity

Identity verification is a legal requirement for all UK-regulated financial services providers. It allows us to:

• Confirm that you are who you say you are.
• Prevent financial crime and fraud.
• Comply with Anti-Money Laundering (AML) regulations.
• Protect both our users and our platform from misuse.

2. What Documents We Require

To verify your identity, you will need to provide:

• A valid government-issued photo ID (UK passport, driving licence, or national identity card).
• Proof of address (a utility bill, bank statement, or official letter dated within the last three months).

In some cases, we may request additional documentation depending on your transfer history, account activity, or the amount you wish to send.

3. How Verification Works

Verification is completed digitally within the MelonGram app or website. The process includes:

• Uploading a photo of your ID.
• Taking a selfie for liveness detection.

Our system processes the verification automatically in most cases, and you will be notified of your verification status within minutes.

4. Enhanced Due Diligence

For higher-value transfers or accounts flagged for additional review, we may apply Enhanced Due Diligence (EDD). This may include:

• Questions about the purpose of the transfer.
• Information about the source of funds.
• Additional identity documentation.

5. Data Retention

We retain identity verification records for a minimum of five years in line with UK regulatory requirements. This data is stored securely and handled in accordance with our Privacy Policy.

6. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Request correction of any inaccuracies.

Please refer to our Privacy Policy for full details on your data rights.

7. Contact

If you have questions about this policy or your verification status, please contact our compliance team:

• Email: compliance@melongram.com