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How To Get Verified in Questra/AGAM

KYC – KNOW YOUR CLIENT

Identity and address verification is needed for a user to receive the documents package from the Questra/AGAM and for withdraws from your account. Meaning you can be in midstream of getting verified and you still can fund and purchase packages. Once you complete your Profile page the correct way as shown in this Questra For Dummies series, you will then be shown this image. You are now ready to upload your ID document and your  most recent Utility Bill.

 

Please Note: If you do not see the next step to upload your documents, check your Profile section Address for Correspondence, it needs to be in the following format:

Country, Providence or State, City or Town, Address

Verification consists of two steps. You will receive a verified status on a completion of those steps. The Verification Process is not necessary for you to earn or receive your interest from your AGAM account. It is used to verify your address so AGAM can send you your Documents and to send you your withdraws.

The following is a quick guide to KYC: What is KYC and what do you need to become KYC compliant.

What is KYC?

Know your customer (KYC) is the process of a business, identifying and verifying the identity of its clients. The term is also used to refer to the bank regulation which governs these activities. Know your customer processes are also employed by companies of all sizes for the purpose of ensuring their proposed agents, consultants, or distributors are anti-bribery compliant. Banks, insurers and export creditors are increasingly demanding that customers provide detailed anti-corruption due diligence information.

The objective of KYC guidelines is to prevent banks from being used, intentionally or unintentionally, by criminal elements for money laundering activities. Related procedures also enable banks to better understand their customers and their financial dealings. This helps them manage their risks prudently.

Banks usually frame their KYC policies incorporating the following four key elements:
• Customer Policy;
• Customer Identification Procedures;
• Monitoring of Transactions; and
• Risk management.

For the purposes of a KYC policy, a Customer/user may be defined as:
• a person or entity that maintains an account and/or has a business relationship with the bank;
• one on whose behalf the account is maintained (i.e. the beneficial owner);
• beneficiaries of transactions conducted by professional intermediaries such as stockbrokers, Chartered Accountants, or solicitors, as permitted under the law; or
• any person or entity connected with a financial transaction which can pose significant reputational or other risks to the bank, for example, a wire transfer or issue of a high-value demand draft as a single transaction.

Questra will do their KYC asking you for the following documents:

1. An official government issued identity card (Passport, National Identification Card or Driving License).

2. Proof of address (POA) – This must be in the form of a Utility Bill. A Utility Bill is a bill issued for: Electricity / Gas / Water / Garbage collection / Television, Internet & Telephony (Not mobile services).

We will now proceed with showing you what kind of document images are accepted and what kind will be refused.

Passports, IDs and driving license

Passports – Image must show two pages of the passport, including the page with the face image. (Accepted for ALL countries)
ID/Driving license – Image must show both sides of the card. (Accepted for some countries)
Notes:
• Name should be identical to your submitted profile
• Image should be in color
• Image should have a visible background
• Image should show all four Passport/ID/Driving license edges
• Image must CAN NOT be blurry
• Image should be of high resolution and less than 1 MB
• Belgium and Sweden citizen – Government Documented ID can be submitted with clear Date, stamp and signature. To ensure the authenticity, please add additional identification in form of another ID ON TOP of the document

The following are examples of how NOT to upload your images:

The following are examples of images that WILL BE accepted:

Utility Bills
Utility bills will be no older than 60 days old.

Notes:
Name should be identical to your submitted profile (Could be missing middle initial or middle name)
• Name, address and invoice date should be clearly visible
• Image should be in color
• Image should have a visible background
• Image should show all four edges of the bill
• Utility bill can’t have stains or other marks/remarks on it
• Utility bill CAN NOT be crumpled
• Image CAN NOT be blurry
• Image should be of high resolution and less than 1 MB
• If utility bill is used as documentation containing more than one page… I.e. 3 pages, then all pages must be in the document as a sequence. (One document with 3 pages)
• EU members can submit a government POA (For example Swedish citizens can get a POA from skatteverket – folkbokforingen), including date, stamp and signature. Different ID (Different than the one submitted for identification) is required to be put ON TOP of the document.

The following are examples of how NOT to upload your images:

The following are examples of images that WILL BE accepted: