[LEGAL] / CLIENT_VERIFICATION

Client Verification Policy

Last updated: July 3, 2026

A&M Flow ("Company", "we", "us" or "our") is a consulting and software practice, not a regulated financial institution. We are not an "obliged entity" under EU anti-money-laundering law and we do not run a bank-style compliance program. We do, however, verify who we work with before we start an engagement. Our work often touches finance, trading and sensitive infrastructure, we sometimes work on-prem with data our clients care about, and EU sanctions rules apply to everyone regardless of size. This policy explains, in plain terms, what we check, when and why. It is governed by EU law and the law of the EU member state where the Company is established.

Why this policy exists

In short: we are two engineers, not a bank, but the work we do means we need to know who we are working for.

Who we verify and when

In short: we verify every client before signing a statement of work, with a closer look for finance and trading work, on-prem access or unusually structured payments.

What we ask for

In short: legal entity details, a registry extract or equivalent, who ultimately owns the business where the structure is not obvious, a working corporate email and a real person on a call.

Sanctions screening

In short: we do not work with sanctioned people, entities or jurisdictions. This applies to everyone and it is a hard no.

Red flags that make us decline

In short: a few patterns are dealbreakers, chiefly anything that hides who the work is really for or where the money comes from.

What happens with your data

In short: we keep it confidential, use it only for verification and handle it under our Privacy Policy.

Why we do this

In short: it protects both sides, serious clients never mind and it takes about ten minutes.

Your part and what happens if checks stall

In short: give us accurate details, and if we cannot verify a client we may decline the engagement.

How long we keep records

In short: we keep verification records only as long as we need them and as long as the law requires, then remove them.

Updates to this policy

In short: we may update this from time to time; the date above shows the current version.

Contact

For questions about how we verify clients, or to send documentation, contact A&M Flow by email at anmwashere@gmail.com or by phone at +48 735 058 874.