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Anti-Money Laundering (AML) & Customer Due Diligence (CDD) Statement

Rihlat Muzdahira (PTY) Ltd (Registration 2024/186243/07) is a professional, authorised Financial Services Provider (FSP 54971), regulated by the Financial Sector Conduct Authority (FSCA). We are committed to the highest standards of integrity and transparency, ensuring that all our products are reviewed by an independent Shariah Supervisory Board.

To maintain these standards and combat financial crime, Rihlat Muzdahira utilizes the KYCDD platform-a robust digital onboarding and compliance system designed to ensure full alignment with South African and international regulatory frameworks.

1. Regulatory Framework

Our compliance procedures are strictly governed by:

  • • The Financial Intelligence Centre Act (FICA).
  • • Anti-Money Laundering (AML) and Counter-Terrorism Financing regulations.
  • • The Protection of Personal Information Act (POPIA).
  • • Internal risk management and governance policies.

2. Customer Due Diligence (CDD) & Onboarding

Every investor and distribution partner participating in Rihlat's investment vehicles must undergo a mandatory digital onboarding process. This process includes:

  • • Identity Verification: Automated validation of South African IDs and foreign passports.
  • • Beneficial Ownership: Identification and verification of beneficial owners for corporate entities and trusts.
  • • Source of Funds: Collection of information regarding the origin of investment capital to prevent illicit financial activity.
  • • Risk Classification: Categorizing clients based on regulatory risk profiles to ensure appropriate oversight.

3. Sanctions and PEP Screening

Rihlat Muzdahira employs automated screening against global databases to identify:

  • • Politically Exposed Persons (PEPs).
  • • Individuals or entities on international sanctions lists.
  • • Known financial crime watchlists.

4. Digital Integrity and Document Execution

We utilize secure electronic document execution for all investment agreements, including subscription and partnership documentation. This ensures a complete digital audit trail, recording every timestamp, verification action, and approval within the investor lifecycle.

5. Data Security and Privacy

We take the protection of your personal information seriously. All data processed through our KYCDD platform is handled in accordance with our POPIA Policy and Data Governance Framework. Security measures include:

  • • Secure data transmission and encrypted document storage.
  • • Strict role-based system permissions and controlled user access.

6. Continuous Monitoring

Rihlat Muzdahira maintains comprehensive records of all onboarding and transaction workflows to support regulatory inspections and internal audits. We remain dedicated to updating our processes as regulatory environments evolve to ensure continued safety for our investors and the integrity of the financial system.

Contact Information: Rihlat Muzdahira (PTY) Ltd First Floor Fussel House, 48 Athol Oaklands Melrose Arch, Gauteng, 2076