NoLegalPaisa.com collects certain identification information and documents from Users as part of its KYC process. The exact information required may vary depending on the service availed (see Service-Based KYC Requirements below), but generally falls into the following categories:

• Personal Identifiers:
  Full name, date of birth, photograph, and nationality of the individual user. For business entities, this includes the entity’s legal name, registration number (CIN or LLPIN, etc.), and date of incorporation.
• Contact Details:
  Current residential or business address, phone number, and email address. An address proof document may be requested (e.g. recent utility bill, bank statement, or rental agreement not older than 2–3 months) to verify the provided address.
• Government-Issued Identification:
  Official ID proofs to validate identity. For Indian citizens, commonly accepted documents include PAN (Permanent Account Number) card, Aadhaar card, Passport, Voter ID, or Driving License. For instance, platforms like IndiaFilings require a PAN card and an additional address proof for each director when incorporating a company. NoLegalPaisa similarly may collect PAN and Aadhaar or other ID from users to authenticate their identity.
• Financial Information (when relevant):
  For services involving financial transactions (e.g. litigation funding or payments), additional information may be gathered. This can include bank account details (for disbursing or receiving funds), details of source of funds or income, and any documents necessary to assess financial credibility (such as audited financials or bank statements, in the context of funding applications).
• Other Supporting Documents:
  Depending on the service, we might request relevant documents like legal case papers (for litigation funding due diligence), proof of ownership or authorization (if someone acts on behalf of another person or entity), or any document mandated by law for the specific service (for example, director KYC filings in compliance services).

No Independent Verification:
While NoLegalPaisa collects the above documentation for record-keeping and basic validation, the Platform does not conduct independent verification of the documents beyond obvious authenticity checks. We rely on Users to provide genuine and correct information. In line with industry practice for online legal services, NoLegalPaisa generally will not independently validate the content or accuracy of documents provided (for example, we do not automatically cross-verify your PAN or Aadhaar details in government databases, unless a particular service explicitly requires such verification). The information is accepted in good faith and used as furnished, with the User bearing responsibility for its truthfulness (see User Responsibilities below). However, if any document appears dubious or inconsistent, NoLegalPaisa reserves the right to request clarification or additional proof.

All KYC information collected is handled in accordance with our data privacy and storage protocols (detailed in Data Handling and Storage Practices). Users who do not wish to provide required KYC details may be unable to avail certain NoLegalPaisa services, as submission of specified information is often essential to perform the service or to comply with legal filing requirements.

NoLegalPaisa offers a range of services, and the extent of KYC due diligence performed is tailored to the risk and regulatory profile of each service. Broadly, services that involve financial transactions or formal legal filings require more extensive KYC, whereas purely consultative or informational services may require only basic details. The following outlines NoLegalPaisa’s KYC approach for each major category of service:

• Online Legal Consultation and Advisory:
  For one-time consultations or advice sessions with lawyers and other professionals, KYC requirements are minimal. Typically, Users need only provide their name and contact information when booking a consultation. Government ID may not be mandatorily collected for a basic consultation, though Users must be registered on the Platform with verified contact details (verified email/phone) to ensure a valid identity. The rationale is that consultation services pose low financial risk; however, if a consultation leads to further engagement (e.g. hiring the professional for representation), the professional may independently perform their own client due diligence outside the Platform. NoLegalPaisa may request an ID proof before or during the consultation process if needed to confirm the User’s identity (especially for sensitive or regulated advice), but generally relies on user-provided registration data.
• Document Drafting and Compliance Services:
  When Users use NoLegalPaisa for document drafting (e.g. contracts, wills, business documents) or for compliance filings (e.g. company incorporation, license registrations, tax filings), relevant KYC information is collected as required for those tasks. Identification of the parties involved in the document is gathered to accurately draft the document (for example, details of a will’s executors/beneficiaries or a contract’s signatories). In compliance services, KYC documents required by law are collected – for instance, to register a company, we will collect PAN, address proof, DIN, etc., for each director as required by the Ministry of Corporate Affairs. While NoLegalPaisa facilitates the preparation and submission of such KYC to the authorities, it does not itself certify their accuracy beyond what the government process entails. Users availing these services are expected to submit all legally mandated documents, and NoLegalPaisa’s role is to ensure the paperwork is complete and properly formatted for the relevant government agencies.
• Online Dispute Resolution (ODR) – Mediation:
  For parties engaging in mediation through the Platform (Sama.live or similar services integrated with NoLegalPaisa), basic KYC is performed to identify the disputing parties. Each party may be asked to provide a government-issued ID (such as Aadhaar or PAN) to confirm their identity and age, and to ensure that the mediation agreement, if reached, correctly identifies the parties. Since mediation is a facilitated negotiation and not a financial service, the KYC is limited to identity verification. We do not conduct background checks on parties, nor do we verify the truth of the dispute information – the focus is simply to know who is participating. This practice is consistent with other ODR platforms in India, which typically require participants to register with their real identities but do not subject them to extensive due diligence. All information shared in the mediation is kept confidential in line with mediation standards.
• Litigation Funding Services:
  This is a high-risk category from an AML perspective, and thus carries the most rigorous KYC requirements on our Platform. Users seeking litigation funding (plaintiffs/claimants) must undergo thorough identity verification and provide extensive information about themselves and their case. We will require proof of identity and address (PAN, Aadhaar/Passport, etc.) of the claimant, and potentially identity details of any beneficial owner of the claim (if, for example, a business is the claimant). Additionally, the claimant must provide all pertinent case documents and financial information necessary for due diligence. NoLegalPaisa uses these documents to assess the merits and risks of the case and to ensure the request is legitimate.
  
  

  Likewise, if NoLegalPaisa allows outside investors or funding partners to fund cases (third-party funders), those investors must also provide KYC documentation (identity and contact details, and if the investor is an entity, corporate KYC documents). This two-sided KYC (both for those receiving funds and those providing funds) helps prevent the platform from being used as a channel for money laundering or fraud. For example, an investor may be required to submit PAN, proof of funds source, and bank details before they can invest, much like how dedicated litigation finance platforms (e.g. LegalPay) require investors to complete KYC and verification before investing. All fund transfers in litigation funding are done through registered banking channels; cash contributions are not permitted, ensuring an audit trail for funds.

  
  

  It should be noted that while NoLegalPaisa collects KYC documents and performs due diligence on litigation funding applications, this is primarily to make an internal decision on whether to approve funding and to guard against obvious fraud. We do not have statutory power or duty to run background checks beyond this, but any blatantly false information or suspicious circumstances will result in the application being rejected and possibly reported to legal authorities if necessary.

• Subscription-Based Legal Support (for Businesses/MSMEs):
  Businesses that subscribe to NoLegalPaisa’s ongoing legal support services are required to undergo KYC at onboarding. Typically, the subscribing company will provide its registration details (Certificate of Incorporation, LLP Deed, etc.), corporate identity number, PAN, GST registration (if applicable), and the authorized signatory’s ID proof. This is to clearly establish the client’s identity and ensure that we know the entity we are entering into a service contract with. The authorized person acting on behalf of the business must also provide personal KYC (photo ID and contact details) as our point of contact. During the subscription period, if the business changes key details (like address, directors, etc.), updated KYC may be requested. The depth of KYC here aligns with what similar legal service providers collect for corporate clients – enough to verify the existence and representation of the company, but not as exhaustive as a bank would for loan issuance. Since payments for subscriptions are done via bank transfer or digital payment, the payment itself provides a traceable record of the source of funds.

In all cases, failure or refusal to provide the requisite KYC information for a particular service will result in NoLegalPaisa being unable to provide or continue that service. Users will be notified of KYC requirements at the time of engaging a service (e.g. a checklist of documents needed for company registration, or an identity verification step before a mediation begins). NoLegalPaisa strives to keep the KYC process as streamlined as possible, collecting only what is necessary for compliance and risk purposes in that context.

KYC compliance is a two-way street. We expect Users to uphold certain responsibilities to facilitate an effective KYC/AML regime on NoLegalPaisa. By using our Platform and services,Users agree to the following obligations:

• Provide Accurate Information:
  Users must submit true, accurate, current, and complete information as requested in any KYC or service-related forms. All statements made and documents provided should be genuine and unaltered. Misrepresenting identity or submitting false documents is strictly prohibited and could constitute fraud. Platforms like LegalKart explicitly state that users are solely responsible for the accuracy of information provided, as no independent validation is done by the platform. Likewise, NoLegalPaisa relies on the User’s honesty; the User is accountable for any discrepancies.
• Timely Submission:
  Users should provide the required KYC documents and details promptly when requested, to avoid delays in availing services. If you are in the process of, say, applying for litigation funding or registering a business through our Platform, you are expected to promptly furnish all necessary information and documents upon request. Failure to provide required information or documentation may result in NoLegalPaisa’s inability to onboard you or continue services.
• Update Changes:
  It is the User’s responsibility to inform NoLegalPaisa of any material changes in the provided KYC information. For example, if you change your address, renew your passport (resulting in a new number), or if a business client undergoes a change in ownership or directors, you should promptly update this information with us. Keeping KYC information up-to-date helps maintain the integrity of our records and ensures you can continue using the Platform without interruption. We may, from time to time, reach out to Users to re-confirm or refresh certain KYC details, especially in long-term engagements.
• Use of Own Identity:
  Users must only use their own identity and information when registering or using services. You may not use the Platform on behalf of another person or entity unless you are explicitly authorized to do so (with proof of such authorization provided as part of KYC). Impersonating someone else, or hiding the true beneficial owner of a transaction or service request, is strictly forbidden. Business users should disclose the true beneficial owners if required (for instance, disclose shareholders in a litigation funding scenario if a company is the claimant).
• Compliance with Law:
  Users must not use NoLegalPaisa for any illegal or illegitimate purposes. You agree that the funds you use to pay for services or invest through the Platform (in the case of litigation funding) are from legitimate sources and not derived from any criminal activity. You further agree that you will not attempt to use the Platform to launder money, finance terrorism, or commit financial fraud. If at any point you become involved in or charged with an offense related to financial crime, you should cease use of our services and inform us, as this may affect our ability to continue a business relationship.
• Cooperation in Verification:
  In some cases, NoLegalPaisa may need additional verification from the User to substantiate the KYC information (for example, a video KYC confirmation, or a request for a secondary ID, or an in-person verification if required by law for a specific service). Users are expected to cooperate in any reasonable verification process. This also extends to cooperating with any investigation if suspicious activity is detected – while not routine, if we have to inquire further about a particular transaction or behavior, the User should respond honestly and transparently.
• Confidentiality of Credentials:
  Although not directly a KYC obligation, it’s related to user integrity: Users must keep their account credentials (username, password, OTPs) secure and not share them. If someone other than you accesses your account and uses our services, we cannot verify identity properly. You are responsible for any activity under your account. Notify us immediately if you suspect any unauthorized access or identity breach in relation to your NoLegalPaisa account.

In summary, Users play a critical role in the success of KYC/AML measures. By adhering to these responsibilities, Users help us maintain a safe platform. If a User is found to be in violation of these obligations – for example, submitting fake documents or engaging in suspicious transactions – NoLegalPaisa reserves the right to take appropriate action, which may include rejecting the service request, terminating the user’s account, and if necessary, reporting the matter to law enforcement or relevant authorities. Users should refer to our Terms of Service for further details on the consequences of providing false information or engaging in prohibited activities.

Although NoLegalPaisa is not a bank or financial institution, we recognize the importance of having measures to prevent and detect potential money laundering or other illicit activities on our Platform. We have therefore implemented a risk-based approach to AML, proportionate to the nature of our services. Key risk prevention and mitigation measures include:

• Risk-Based KYC Tiering:
  As outlined in the service-based requirements, we apply stricter KYC checks for higher-risk services. This allocation of effort is a fundamental AML principle – focusing resources where the risk is higher. For example, litigation funding (where money changes hands) is considered higher risk and triggers full KYC and due diligence, whereas downloading a template document from our site is low risk and may not require any KYC. By doing this, we align with best practices where customers are categorized by risk level and diligence is adjusted accordingly (financial services firms and even professional service providers often use such a risk-tiered approach). If a particular user or transaction is deemed high risk (e.g., unusual funding amount, politically exposed person involved, etc.), we may enhance our verification (ask for additional documents or information) before proceeding.
• Transaction Monitoring (Internal):
  NoLegalPaisa monitors the usage of its platform for any red flags or anomalies. While our services are not primarily transactional like a bank, we do observe patterns such as: multiple funding applications from the same user, inconsistent information across different service requests, or attempts to route funds in unusual ways. If our system or staff detect suspicious indicators – for instance, a user trying to engage in a scheme that doesn’t match their profile, or payments coming from an unrelated third party – this will prompt a closer review. We maintain an internal log of any such suspicious incidents. Our team is trained to spot basic red flags (e.g., forged documents, reluctance to provide standard information, mention of illicit activities in communications). This is in line with the practices at many tech platforms which, even if not under formal AML obligations, keep an eye out for fraud and abuse as part of customer safety.
• No Cash or Anonymous Payments:
  NoLegalPaisa does not accept cash payments for any of its services. All payments (whether for services fees, subscription fees, or litigation funding transactions) must be made via traceable channels – such as online payment gateways, credit/debit cards, net banking, UPI, or bank transfers. These channels are operated by RBI-regulated entities which have their own KYC/AML checks, thereby adding a layer of security. By disallowing cash, we reduce the risk of untraceable money flowing through our Platform. Additionally, we do not support payment from or to third parties who are not directly involved in the service (for example, a payment for a legal consultation should come from the client who booked it, not from an unknown third party). This ensures that the person footing the bill is identified and is the same as or related to our user, closing a potential loophole for layering transactions.
• Screening (Sanctions/PEP):
  As of now, given the user base is primarily Indian and our services are domestic, the risk of sanctioned individuals or entities using our platform is low. However, as a precaution, we reserve the right to screen users against publicly available government sanction lists or watchlists (like UN sanctions, or India’s UAPA list) especially in our funding and business services. We also ask users during onboarding if they or their organization fall under any category of politically exposed persons (PEP). If we identify a user as a sanctioned party or if the user is found to be from a high-risk jurisdiction outside India (which is unlikely as our services target Indian residents), we will reject the onboarding. This measure is reflective of standard AML compliance where even non-regulated entities avoid dealing with known bad actors.
• Employee Training and Confidentiality:
  Our team members who handle onboarding, due diligence, or user data are given training on KYC/AML policies and how to execute them. They are made aware of the legal and ethical importance of these measures. They also understand the need for discretion and confidentiality – for example, if they suspect a user’s activity is unlawful, this concern is escalated to senior management privately; we do not “tip off” the user in a way that would violate any potential legal process. This training is periodically updated to incorporate any new typologies of fraud or changes in law. We also instill a culture of compliance where employees can report concerns without fear (internally).
• Voluntary Reporting:
  While NoLegalPaisa is not obligated to file Suspicious Transaction Reports (STRs) with the Financial Intelligence Unit (FIU) under current law, we maintain an internal policy that, should we identify clear evidence of money laundering or any other crime, we will voluntarily report the matter to the relevant authorities. This could include filing a complaint or alerting law enforcement, even if not through the formal FIU-IND STR system (since we are not a reporting entity). Our ethical stance is that we will not knowingly allow our platform to be used to further illegal financial activities. This voluntary cooperation parallels how other conscientious companies operate – for instance, if a legal funding platform like LegalPay detects misuse, they would likely take action even beyond what is strictly required, to protect their reputation and comply with the law’s intent.
• Continuous Improvement:
  NoLegalPaisa continuously evaluates the effectiveness of its KYC/AML controls. As new risks emerge (for example, new forms of identity fraud or fraud schemes targeting online legal services), we adapt our measures. We may introduce additional verification steps or technologies (like OTP verification, facial recognition matching for IDs, etc.) if deemed necessary to combat evolving threats. We also keep an eye on regulatory developments. If the law expands AML requirements to our sector (for example, if in the future legal tech platforms or attorneys are officially brought under PMLA supervision), we will integrate those requirements into our processes promptly. In essence, our risk management is a living process – regularly refined to stay ahead of potential abuse.

NoLegalPaisa provides the following disclaimers regarding its KYC/AML Policy, to clarify the extent and limits of our responsibilities:

• Not a Regulated Entity:
  As noted, NoLegalPaisa is not regulated under the Reserve Bank of India (RBI) or PMLA frameworks as a bank, financial institution, or designated non-financial business. We facilitate legal and professional services, and while we handle user funds in certain contexts (e.g., passing through litigation funding or processing service fees), we do so as an intermediary and not as a bank or NBFC. Therefore, the KYC/AML measures we implement are voluntary and for risk management purposes. This Policy should not be construed as an assertion that NoLegalPaisa is compliant with any specific banking regulation or that it carries any regulatory approval for KYC/AML processes. Our aim is to follow best practices in spirit, but we are not subject to regulatory audits or filings under AML laws in the way banks or payment companies are. Users should be aware that, for example, we do not have an obligation to file currency transaction reports or maintain a centralized KYC registry entry for each user.
• No Warranty on Verification:
  Because we do not independently verify all information, NoLegalPaisa does not guarantee the accuracy or validity of documents provided by Users. We accept documents in good faith and perform only basic checks. For instance, if a user uploads an identification document, we may check that it appears authentic and matches the user’s details, but we do not confirm its issuance with the government. Similarly, we do not run background checks on Users for criminal history or financial status outside the scope of provided documents. Our KYC process’s primary intent is to identify our customer and gauge risk, not to certify a user’s credibility beyond doubt. Users and professionals interacting on the Platform should continue to exercise due diligence on their own behalf. For example, a lawyer who gets a new client via NoLegalPaisa should independently satisfy themselves of the client’s bona fides, and a funding party should conduct their own assessment of a claimant, in addition to the Platform’s checks. NoLegalPaisa shall not be liable for any loss or damage arising from reliance on the KYC information of a User that later turns out to be false or misleading, except to the extent caused by our willful neglect or misconduct.
• Scope of AML Efforts:
  Our AML efforts are limited by our role and visibility. We do not monitor users’ activities outside our Platform. We only have insight into transactions and communications that occur through or because of NoLegalPaisa. If a user takes a relationship off-platform or engages in financial dealings outside our purview, we cannot monitor or control that. Our commitments in this Policy apply strictly to the services and transactions occurring via NoLegalPaisa’s official channels. Furthermore, while we strive to detect and prevent illicit behavior, we cannot guarantee that all illicit or suspicious activity will be caught or prevented. No screening system is foolproof; thus, there is always a residual risk. By using our Platform, Users acknowledge this limitation and agree that NoLegalPaisa’s role is one of good-faith monitoring and reporting, not absolute prevention.
• Legal Cooperation:
  In instances where we do encounter evidence of potential wrongdoing, Users acknowledge that NoLegalPaisa may take actions such as account suspension or termination, and that we may share relevant information with law enforcement or regulatory bodies. This is done in accordance with applicable laws. We will endeavor to inform the affected user, unless prohibited by law (for example, certain government orders may forbid notifying the user). This Policy does not constitute a contract with any user to avoid reporting – if required by law or in the pursuit of preventing crime, we will cooperate with investigations. By onboarding onto the Platform, you consent to such cooperation and waive any claims against NoLegalPaisa for good faith disclosures of information in such scenarios.
• Third-Party Platforms:
  At times, NoLegalPaisa might use third-party services to assist in KYC (for example, an API to verify PAN or Aadhaar, or a secure storage service). While we conduct due diligence on such providers and bind them to confidentiality, we are not responsible for any breach or mishandling of data on their end beyond ensuring we choose reputable partners. Our liability for any third-party actions is limited as per our Terms of Service.
• NoLegalPaisa’s Services Only:
  This Policy is only applicable to the use of NoLegalPaisa’s own services and platform. If a user, through NoLegalPaisa, engages a third-party service (say, a payment gateway for transactions or an external lawyer outside our managed services), that third party may have its own KYC/AML requirements and policies. Users must comply with those independent requirements as well. For example, if a case is funded, the disbursal might be handled by a partner financial institution which could ask for additional KYC under their regulatory obligations – the user should comply directly with them. NoLegalPaisa is not responsible for KYC processes outside its platform scope.

In essence, NoLegalPaisa disclaims any representation that it performs the level of due diligence that a regulated financial entity would. We act in good faith to know our customers and prevent misuse of our services, but there are practical and legal limits to what we undertake. Users and other stakeholders should consider this Policy as a commitment to best efforts, not an absolute guarantee of user identity or legitimacy.

This KYC and AML Policy is a living document and will undergo periodic review and revision. Kaahmuchee Solution Pvt. Ltd. commits to reviewing this Policy at least annually, or more frequently if required by changes in law, regulation, or the nature of our business. We monitor the regulatory environment and industry best practices (including any changes in the legal status of KYC/AML obligations for legal tech platforms in India, such as potential inclusion under PMLA or other laws) to ensure our Policy remains up-to-date and effective.

Changes to this Policy will be communicated by updating the Policy document on the NoLegalPaisa.com website and indicating a new Effective Date. In case of substantial changes that impact how we collect or process KYC data, or the obligations of Users, we may also notify registered users via email or via an in-platform notification. Users are encouraged to review this Policy periodically to stay informed of our latest practices. Continued use of the Platform or our services after any modifications to the Policy constitutes acceptance of those changes.

If any User or stakeholder has questions or feedback regarding this Policy or wishes to seek clarification on any aspect of it, they may contact NoLegalPaisa through the provided customer support channels. We value transparency and will make efforts to address inquiries about our KYC/AML practices within a reasonable time.

Last Updated: May 11, 2025

Effective Date: May 11, 2025