AML & Anti-Fraud Policy - SMS Nova Global

SMSNova (“SMSNova”, “we”, “our”, or “us”) is committed to maintaining a secure, lawful, and trustworthy platform. We have zero tolerance for money laundering, fraud, payment abuse, identity theft, or any other illegal activity conducted through our Services.

This Anti-Money Laundering (“AML”) and Anti-Fraud Policy outlines the measures we take to detect, prevent, investigate, and respond to suspicious activities involving the use of our website and services.

By using SMSNova, you acknowledge and agree to comply with this Policy, our Terms of Use, and all applicable laws and regulations.

1. Purpose

The purpose of this Policy is to:

Prevent the use of SMSNova for illegal or fraudulent activities.
Protect our customers, business partners, payment providers, and telecommunications providers.
Detect suspicious transactions and abusive behavior.
Comply with applicable laws and regulatory obligations where required.
Maintain the integrity, security, and reputation of the SMSNova platform.

2. Scope

This Policy applies to:

All visitors to the SMSNova website.
Registered users.
Customers purchasing virtual phone numbers.
Payment transactions.
Promotional activities.
Referral programs.
Any person interacting with SMSNova’s Services.

3. Zero-Tolerance Policy

SMSNova maintains a zero-tolerance approach toward:

Money laundering.
Payment fraud.
Identity theft.
Account takeovers.
Stolen payment methods.
Chargeback fraud.
Refund abuse.
Cryptocurrency-related fraud.
Account farming.
Bot abuse.
Spam operations.
Phishing.
Social engineering.
Terrorist financing.
Sanctions evasion.
Any activity prohibited by applicable law.

Accounts involved in such activities may be suspended immediately without prior notice.

4. Customer Verification

To protect the platform, SMSNova may verify user information where necessary.

Verification measures may include:

Email verification.
Payment verification.
Device verification.
IP reputation checks.
CAPTCHA verification.
Risk-based account reviews.
Manual verification in exceptional cases.

SMSNova reserves the right to request additional information where reasonably necessary to verify the legitimacy of an account or transaction.

5. Transaction Monitoring

SMSNova continuously monitors transactions and account activity for signs of suspicious behavior.

Monitoring may include:

Unusual purchasing patterns.
Multiple failed payment attempts.
High-risk payment activity.
Excessive account creation.
Multiple accounts associated with the same individual.
Rapid purchasing behavior.
Unusual geographic access patterns.
Repeated refund requests.
Abnormal API usage (where applicable).
Other indicators of fraud or abuse.

Monitoring is performed using automated systems, manual reviews, or both.

6. Cryptocurrency Payments

SMSNova supports cryptocurrency payments through trusted third-party payment processors.

To reduce financial crime risks:

Cryptocurrency transactions may be subject to automated risk screening.
Transactions associated with sanctioned entities or known illicit wallets may be rejected.
SMSNova does not provide anonymous financial services.
Cryptocurrency payments remain subject to applicable laws and regulatory requirements.

SMSNova does not store customers’ private keys, wallet seed phrases, or wallet passwords.

7. Fraud Prevention Measures

SMSNova employs multiple security controls to prevent fraud, including:

Secure payment processing.
SSL/TLS encryption.
Cloudflare security services.
CAPTCHA verification.
Rate limiting.
Login monitoring.
Device fingerprint analysis where appropriate.
IP reputation analysis.
Automated fraud detection.
Behavioral monitoring.
Secure authentication methods.
Password hashing.
Multi-layer access controls.

These measures help protect both our users and the integrity of our Services.

8. Prohibited Financial Activities

Users must not use SMSNova for activities including, but not limited to:

Money laundering.
Concealing the origin of funds.
Financing criminal activity.
Payment fraud.
Credit card fraud.
Chargeback abuse.
Unauthorized use of payment methods.
Purchasing services using stolen financial information.
Circumventing financial restrictions.
Evading sanctions.
Facilitating illegal financial transactions.

Any such activity may result in immediate account suspension and referral to the appropriate authorities where required by law.

9. Account Security

Users are responsible for maintaining the security of their accounts.

Users should:

Use strong passwords.
Protect login credentials.
Enable available security features.
Verify their email address.
Report unauthorized access immediately.
Avoid sharing account credentials with others.

Users remain responsible for activities performed through their accounts unless otherwise required by applicable law.

10. Reporting Suspicious Activity

Users are encouraged to report any suspected fraud, abuse, security vulnerabilities, or unauthorized activity.

Examples include:

Unauthorized account access.
Suspicious payment activity.
Phishing attempts.
Identity theft.
Security vulnerabilities.
Spam campaigns.
Abuse of virtual phone numbers.

Reports should be submitted to: [email protected]

11. Investigations

SMSNova reserves the right to investigate any activity that reasonably appears to violate this Policy, our Terms of Use, or applicable laws.

During an investigation, we may:

Temporarily suspend an account.
Restrict access to Services.
Delay processing of transactions.
Request additional verification.
Cancel pending orders.
Freeze account balances where legally permitted.
Cooperate with payment providers or competent authorities where required.

Investigations are conducted with the objective of protecting the platform, our users, and applicable legal interests.

12. Cooperation with Authorities

Where required by applicable law or a valid legal process, SMSNova may cooperate with law enforcement agencies, courts, regulatory authorities, payment providers, or other competent organizations.

Such cooperation may include the disclosure of information that SMSNova is legally required to provide.

13. Record Retention

SMSNova retains certain records for security, accounting, fraud prevention, and legal compliance purposes.

These records may include:

Transaction identifiers.
Payment status.
Invoice records.
Login history.
Security logs.
Account activity.
Fraud investigation records.

Retention periods are described in our Privacy Policy and may vary depending on applicable legal requirements.

14. User Responsibilities

By using SMSNova, you agree to:

Use the Services only for lawful purposes.
Provide accurate information.
Use only payment methods that you are authorized to use.
Comply with applicable laws and regulations.
Cooperate with reasonable verification requests where necessary.
Refrain from engaging in fraudulent or abusive conduct.

Failure to comply with these obligations may result in suspension or termination of your account.

15. Limitation of Liability

Nothing in this Policy obligates SMSNova to monitor every transaction or detect every instance of fraudulent activity.

While we implement commercially reasonable measures to identify and prevent fraud, no security system can guarantee the complete prevention of illegal conduct.

Users remain responsible for their own actions and for maintaining the security of their accounts.

16. Changes to This Policy

SMSNova may update this AML & Anti-Fraud Policy from time to time to reflect changes in applicable laws, regulatory requirements, operational practices, payment methods, or security measures.

The updated version becomes effective upon publication on the Website unless otherwise required by law.

The “Last Updated” date indicates the effective date of the current version.

17. Contact Us

If you have any questions regarding this AML & Anti-Fraud Policy or wish to report suspected fraud or security concerns, please contact us.

Compliance & Security Team
Email: [email protected]

We are committed to maintaining a secure, transparent, and compliant platform for all users and continuously review our fraud prevention measures to adapt to emerging risks and industry best practices.

Last Updated: August 7, 2026