{"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-penningtvatt-aml-kyc-policy","status":"publish","type":"page","link":"https:\/\/holaspain.agency\/sv\/anti-money-laundering-aml-kyc-policy\/","title":{"rendered":"Anti-penningtv\u00e4tt (AML) &amp; KYC-policy"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h1>Policy f\u00f6r \u00e5tg\u00e4rder mot penningtv\u00e4tt (AML) &amp; Kundk\u00e4nnedom (KYC)<\/h1>\n<p><strong>HolaSpain<\/strong><\/p>\n<p><strong>Senast uppdaterad:<\/strong> <strong>12 februari 2026.<\/strong><\/p>\n<h2>1. Syfte<\/h2>\n<p>HolaSpain \u00e5tar sig att f\u00f6rhindra penningtv\u00e4tt, terroristfinansiering, bedr\u00e4gerier och andra finansiella brott. Denna policy mot penningtv\u00e4tt (AML) och k\u00e4nn din kund (KYC) beskriver de f\u00f6rfaranden vi implementerar i enlighet med Criminal Justice (Money Laundering and Terrorist Financing) Acts (Irland), EU:s direktiv mot penningtv\u00e4tt och andra till\u00e4mpliga irl\u00e4ndska och EU-regulatoriska krav.<\/p>\n<h2>2. Omfattning<\/h2>\n<p>Denna policy g\u00e4ller f\u00f6r studenter och programdeltagare, f\u00f6rs\u00e4kringskunder, grupparrang\u00f6rer, f\u00f6retagskunder och tredjepartsbetalare som har en relation med HolaSpain.<\/p>\n<h2>3. Riskbaserat arbetss\u00e4tt<\/h2>\n<p>HolaSpain till\u00e4mpar en riskbaserad strategi f\u00f6r regelefterlevnad mot penningtv\u00e4tt. Vi bed\u00f6mer risk baserat p\u00e5 faktorer som kundens plats, destinationsland, betalningsmetod, transaktionsstorlek och, d\u00e4r det \u00e4r till\u00e4mpligt, komplexa \u00e4garstrukturer.<\/p>\n<h2>4. Kundk\u00e4nnedom (CDD)<\/h2>\n<h3>4.1 Identitetsverifiering<\/h3>\n<p>Vi kan komma att kr\u00e4va identitetsverifiering innan vissa transaktioner behandlas. Godk\u00e4nd dokumentation kan inkludera ett giltigt pass, nationellt identitetskort och bevis p\u00e5 bostadsadress. Verifieringskrav kan variera beroende p\u00e5 den riskbed\u00f6mning som g\u00f6rs f\u00f6r transaktionen.<\/p>\n<h3>4.2 \u00d6kad kontroll (EDD)<\/h3>\n<p>Ut\u00f6kade kontroller kan till\u00e4mpas d\u00e4r transaktioner involverar h\u00f6griskl\u00e4nder, d\u00e4r politiskt exponerade personer (PEP) \u00e4r inblandade, eller d\u00e4r ovanliga betalningsm\u00f6nster uppt\u00e4cks. I s\u00e5dana fall kan ytterligare dokumentation och verifieringsprocedurer kr\u00e4vas.<\/p>\n<h3>4.3 Betalningar fr\u00e5n tredje part<\/h3>\n<p>D\u00e4r betalning sker fr\u00e5n tredje part kan vi beg\u00e4ra identifiering av betalaren, bevis p\u00e5 relation till mottagaren och bekr\u00e4ftelse av medlen.<\/p>\n<h2>5. Finansieringsk\u00e4lla<\/h2>\n<p>Under vissa omst\u00e4ndigheter, s\u00e4rskilt vid stora transaktioner, flera betalningar eller bokningar f\u00f6r f\u00f6retagskonglomerat, kan HolaSpain beg\u00e4ra bevis p\u00e5 fondens ursprung f\u00f6r att s\u00e4kerst\u00e4lla efterlevnad av g\u00e4llande AML-regler.<\/p>\n<h2>6. L\u00f6pande \u00f6vervakning<\/h2>\n<p>Vi \u00f6vervakar transaktioner och kundrelationer f\u00f6r ovanlig eller misst\u00e4nkt aktivitet. Om det uppst\u00e5r tveksamheter kan ytterligare verifiering eller dokumentation kr\u00e4vas innan vi g\u00e5r vidare.<\/p>\n<h2>7. Rapportering av misst\u00e4nkta transaktioner<\/h2>\n<p>Om HolaSpain misst\u00e4nker penningtv\u00e4tt, finansiering av terrorism eller annan finansiell brottslighet, kan vi f\u00f6rsena eller neka en transaktion, beg\u00e4ra ytterligare information och anm\u00e4la \u00e4rendet till relevanta irl\u00e4ndska myndigheter i enlighet med lagen. Vi \u00e4r juridiskt f\u00f6rbjudna att informera kunden om en rapport om misst\u00e4nkt transaktion (STR) har l\u00e4mnats in.<\/p>\n<h2>8. V\u00e4gran av tj\u00e4nst<\/h2>\n<p>HolaSpain f\u00f6rbeh\u00e5ller sig r\u00e4tten att v\u00e4gra service, f\u00f6rsena transaktioner eller avboka bokningar d\u00e4r adekvat verifiering inte tillhandah\u00e5lls eller d\u00e4r det uppst\u00e5r regelefterlevnadsproblem.<\/p>\n<h2>9. Journalf\u00f6ring<\/h2>\n<p>I enlighet med irl\u00e4ndsk lag beh\u00e5ller vi AML-relaterade handlingar under den lagstadgade perioden efter avslutandet av aff\u00e4rsrelationen.<\/p>\n<h2>10. Dataskydd<\/h2>\n<p>Personuppgifter som samlas in f\u00f6r AML-\u00e4ndam\u00e5l behandlas i enlighet med v\u00e5r integritetspolicy. S\u00e5dana uppgifter kan delas med beh\u00f6riga myndigheter d\u00e4r det kr\u00e4vs enligt lag.<\/p>\n<h2>11. Personalutbildning och Interna Kontroller<\/h2>\n<p>HolaSpain uppr\u00e4tth\u00e5ller interna rutiner f\u00f6r AML-medvetenhet och till\u00e4mpar l\u00e4mpliga efterlevnadsskydds\u00e5tg\u00e4rder utformade f\u00f6r att f\u00f6rhindra finansiell brottslighet.<\/p>\n<h2>12. Ansvarsbegr\u00e4nsning<\/h2>\n<p>HolaSpain ska inte h\u00e5llas ansvarigt f\u00f6r f\u00f6rluster som uppst\u00e5r p\u00e5 grund av skyldigheter g\u00e4llande regulatorisk rapportering, transaktionsf\u00f6rseningar p\u00e5 grund av verifieringskrav, eller v\u00e4gran att tillhandah\u00e5lla tj\u00e4nster baserat p\u00e5 regelefterlevnadsrisk.<\/p>\n<h2>13. Till\u00e4mplig lag<\/h2>\n<p>Denna AML- och KYC-policy styrs av irl\u00e4ndsk lag, och alla tvister ska vara f\u00f6rem\u00e5l f\u00f6r de irl\u00e4ndska domstolarnas exklusiva jurisdiktion.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Anti-Money Laundering (AML) &amp; 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) &amp; 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_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","footnotes":""},"categories":[75],"tags":[],"class_list":["post-2543","page","type-page","status-publish","hentry","category-legal"],"_links":{"self":[{"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/pages\/2543","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/comments?post=2543"}],"version-history":[{"count":5,"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/pages\/2543\/revisions"}],"predecessor-version":[{"id":2569,"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/pages\/2543\/revisions\/2569"}],"wp:attachment":[{"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/media?parent=2543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/categories?post=2543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/holaspain.agency\/sv\/wp-json\/wp\/v2\/tags?post=2543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}