NRILegal360
Legal & Compliance framework

KYC & Anti-Money Laundering (AML) Protocols

Effective Date: January 1, 2026
Version: 8.0.3 (Strict Identity Verification)
Executive Summary: The Reserve Bank of India (RBI) and global financial monitoring bodies enforce strict capital tracking on cross-border real estate and high-value succession transactions. To mitigate structural risk for our architects and the platform, NRILegal360 enforces a rigid Know Your Customer (KYC) mandate prior to initiating any active legal mandate. We do not coordinate matters involving unverified entities or grey-market capital.

1. Mandatory Authentication Vectors

Prior to the issuance of a 'Scope Clarity Document' and the commencement of any architectural oversight, all principals (NRIs, OCIs, or Foreign Nationals) must clear a multi-factor identity verification check. This structurally requires:

  • Primary Identification: High-resolution biometric data page of a valid Passport (Indian, OCI, or Foreign).
  • Secondary Identification: State-issued ID establishing current domicile address (e.g., US Driver's License, UK DVP, UAE Emirates ID).
  • Indian Capital Connectors (If applicable): Permanent Account Number (PAN Card) or Aadhaar Card linking the individual to the Indian taxation framework.

2. Source of Funds (SoF) Verification for Transactions

For any mandate involving 'Property Transfer', 'Due Diligence acting on a purchase', or 'FEMA Remittance compliance', our architects require verified SoF documentation. NRILegal360 coordinates legal architectures solely through standard NRE/NRO banking channels utilizing official RBI routes. We immediately terminate mandates attempting to structure payments via Hawala or non-invoiced cash elements to artificially lower stamp duty.

3. Ongoing Monitoring & Sanctions Scanning

All clients utilizing the portal for structured litigation or high-value partition suites are subject to ongoing screening against global sanction lists (OFAC, UN Security Council) and flagged domestic registries. Detection of 'Politically Exposed Persons' (PEPs) triggers an enhanced due diligence (EDD) protocol, significantly elevating the required verification threshold before architectural advice can be dispensed.

4. Reporting of Suspicious Structural Activity

As per the Prevention of Money Laundering Act (PMLA), 2002, any empanelled architect or coordination staff detecting deliberate structuring to evade taxation, falsification of inheritance lineage, or usage of forged title deeds is legally mandated to file a Suspicious Transaction Report (STR) with the Financial Intelligence Unit - India (FIU-IND). Client privilege does not extend to the active commission of a fraud or crime.

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