{"id":2543,"date":"2026-02-12T16:11:14","date_gmt":"2026-02-12T16:11:14","guid":{"rendered":"https:\/\/holaspain.agency\/?page_id=2543"},"modified":"2026-02-12T16:27:09","modified_gmt":"2026-02-12T16:27:09","slug":"anti-money-laundering-aml-kyc-policy","status":"publish","type":"page","link":"https:\/\/holaspain.agency\/de\/anti-money-laundering-aml-kyc-policy\/","title":{"rendered":"Anti-Money Laundering (AML) & KYC Policy"},"content":{"rendered":"
\n\t
\n\t\t
\n\t\t\t

Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy<\/h1>\n

HolaSpain<\/strong><\/p>\n

Zuletzt aktualisiert:<\/strong> 12. Februar 2026.<\/strong><\/p>\n

1. Purpose<\/h2>\n

HolaSpain is committed to preventing money laundering, terrorist financing, fraud, and other financial crimes. This Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy outlines the procedures we implement in accordance with the Criminal Justice (Money Laundering and Terrorist Financing) Acts (Ireland), EU Anti-Money Laundering Directives, and other applicable Irish and EU regulatory requirements.<\/p>\n

2. Scope<\/h2>\n

This Policy applies to students and programme participants, insurance customers, group organisers, corporate clients, and third-party payers engaging with HolaSpain.<\/p>\n

3. Risk-Based Approach<\/h2>\n

HolaSpain applies a risk-based approach to AML compliance. We assess risk based on factors including customer location, country of destination, payment method, transaction size, and, where applicable, complex ownership structures.<\/p>\n

4. Customer Due Diligence (CDD)<\/h2>\n

4.1 Identity Verification<\/h3>\n

We may require identity verification before processing certain transactions. Acceptable documentation may include a valid passport, national identity card, and proof of residential address. Verification requirements may vary depending on the risk assessment of the transaction.<\/p>\n

4.2 Enhanced Due Diligence (EDD)<\/h3>\n

Enhanced checks may apply where transactions involve high-risk jurisdictions, where Politically Exposed Persons (PEPs) are involved, or where unusual payment patterns are detected. In such cases, additional documentation and verification procedures may be required.<\/p>\n

4.3 Third-Party Payments<\/h3>\n

Where payment is made by a third party, we may request identification of the payer, proof of relationship to the beneficiary, and confirmation of the source of funds.<\/p>\n

5. Source of Funds<\/h2>\n

In certain circumstances, particularly for large transactions, multiple payments, or corporate group bookings, HolaSpain may request evidence of the source of funds to ensure compliance with applicable AML regulations.<\/p>\n

6. Ongoing Monitoring<\/h2>\n

We monitor transactions and client relationships for unusual or suspicious activity. Where concerns arise, additional verification or documentation may be required before proceeding.<\/p>\n

7. Suspicious Transaction Reporting<\/h2>\n

If HolaSpain suspects money laundering, terrorist financing, or other financial crime, we may delay or refuse a transaction, request additional information, and report the matter to the relevant Irish authorities as required by law. We are legally prohibited from disclosing to the customer if a Suspicious Transaction Report (STR) has been submitted.<\/p>\n

8. Refusal of Service<\/h2>\n

HolaSpain reserves the right to refuse service, delay transactions, or cancel bookings where adequate verification is not provided or where compliance concerns arise.<\/p>\n

9. Record Keeping<\/h2>\n

In accordance with Irish law, we retain AML-related records for the legally required period following the end of the business relationship.<\/p>\n

10. Data Protection<\/h2>\n

Personal data collected for AML purposes is processed in accordance with our Privacy Policy. Such data may be shared with competent authorities where legally required.<\/p>\n

11. Staff Training & Internal Controls<\/h2>\n

HolaSpain maintains internal AML awareness procedures and applies appropriate compliance safeguards designed to prevent financial crime.<\/p>\n

12. Limitation of Liability<\/h2>\n

HolaSpain shall not be liable for losses arising from regulatory reporting obligations, transaction delays due to verification requirements, or refusal of service based on compliance risk.<\/p>\n

13. Governing Law<\/h2>\n

This AML & KYC Policy is governed by the laws of Ireland, and any disputes shall be subject to the exclusive jurisdiction of the Irish courts.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy HolaSpain Last Updated: February 12th, 2026. 1. Purpose HolaSpain is committed to preventing money laundering, terrorist financing, fraud, and other financial crimes. This Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy outlines the procedures we implement in accordance with the...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_daextam_enable_autolinks":"1","footnotes":""},"categories":[75],"tags":[],"class_list":["post-2543","page","type-page","status-publish","hentry","category-legal"],"_links":{"self":[{"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/pages\/2543","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/comments?post=2543"}],"version-history":[{"count":5,"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/pages\/2543\/revisions"}],"predecessor-version":[{"id":2569,"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/pages\/2543\/revisions\/2569"}],"wp:attachment":[{"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/media?parent=2543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/categories?post=2543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/holaspain.agency\/de\/wp-json\/wp\/v2\/tags?post=2543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}