STATUTORY GOVERNANCE

Institutional Legal & Compliance Hub

Governing Documentation & Statutory Agreements | Version 2.4 (Effective Aug 2026)

Terms and Conditions

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Charter: Non-Resident International Banking

1. Entity Identification & Regulatory Status

These Terms constitute a binding legal agreement with ALFONSO BANK LTD (Company Registration No. 16368), registered at Boulevard de Coalancanthe, Mutsamudu, Anjouan, licensed by the Anjouan Offshore Finance Authority (License No. L16368/AB).

2. Scope of Services & Operational Restrictions

Services are provided exclusively to non-resident international corporate entities outside the Union of Comoros. Alfonso Bank Ltd provisions dedicated named virtual IBANs (EUR, GBP, USD), payment clearing rails, and spot digital asset settlement.

3. Customer Due Diligence (KYB / KYC)

All accounts require mandatory KYB/KYC verification, corporate registries, and UBO disclosures (≥ 10% ownership). Alfonso Bank maintains the right to suspend or freeze accounts failing sanction screenings or AML checks.

4. Governing Law & Exclusive Jurisdiction

Governed by the International Business Companies Act and statutory laws of the Autonomous Island of Anjouan, Comoros. All disputes shall be submitted exclusively to the competent courts of Anjouan.

Privacy Policy

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Standard: Statutory Telemetry & AML Retention

1. Data Controller Governance

ALFONSO BANK LTD acts as the Data Controller for personal and entity telemetry collected via alfonsobank.eu and API rails. Direct all privacy and compliance requests to compliance@alfonsobank.eu.

2. Categories of Data Processed

Corporate records, incorporation documents, registries, UBO identification, government IDs, identity verification tokens, transaction ledgers, beneficiary routing payloads, API access telemetry, and public wallet keys.

3. Lawful Processing & Safeguarding

Processed strictly under Contractual Execution and AML/CFT Regulatory Mandates. Data is encrypted via AES-256 and never monetized or distributed to commercial advertisers.

4. Statutory Retention Window

All customer and transaction telemetry is retained for a minimum of five (5) years following the formal termination of the account relationship.

Refund & Cancellation Policy

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Framework: Institutional B2B Settlement

1. Non-Refundable Onboarding & Sandbox Setup Fees

Due diligence, registry search, and KYB screening fees cover unrecoverable operational costs and are strictly NON-REFUNDABLE, regardless of whether the account application is approved, rejected, or withdrawn.

2. Irreversibility of Executed Transactions

Fiat payments completed and broadcast instructions are final; recall requests are subject to network rules. On-chain cryptographic token transfers are technically irreversible post-broadcast.

3. Account Cancellation & Fund Repatriation

Institutional clients may terminate agreements with thirty (30) days written notice to institutional@alfonsobank.eu. Lawful funds will be repatriated to a verified corporate bank account.

4. Regulatory Freezes

Funds subject to court orders, active sanctions designations, or statutory investigations cannot be released until explicit clearance is granted by competent authorities.

Need specific compliance disclosures or API agreements?institutional@alfonsobank.eu compliance@alfonsobank.eu