Compliance Statement & Risk Disclosure

1. Compliance Statement

BiulinkPay (BIU LIMITED) is a technology service provider. We do not hold, manage, or control customer funds, nor do we conduct regulated financial activities such as money services, foreign exchange, lending, deposit-taking, or payment settlement.

1.1 Scope of Our Services

• Virtual card management systems
• API infrastructure and merchant dashboard
• KYC/KYB integration via certified providers (e.g., SumSub)
• Risk monitoring and fraud-prevention modules
• Transaction data processing and technical support

1.2 Licensed Partners

All regulated financial services—including card issuing, transaction handling, account custody, and settlement—are performed solely by licensed institutions.

1.3 Compliance Principles

• No custody of customer funds
• No handling of client money
• No settlement or clearing activity
• No FX, lending, or investment services
• KYC/KYB handled independently by certified partners
• Transactions processed under licensed partner oversight

1.4 Company Information

Entity: BIU LIMITED

CR Number: 77751464

Jurisdiction: Hong Kong

2. Risk Disclosure

2.1 Anti-Money Laundering (AML) Risks

• Prohibited activities (fraud, illegal goods, sanctions lists) may be blocked or reported.
• Suspicious transactions may be delayed or declined.
• Enhanced due diligence may require extra documents.
• Bypassing AML controls may lead to account termination.

2.2 Merchant Acceptance Risks

• Merchant acceptance is not guaranteed.
• Transactions may be declined due to MCC restrictions or regulatory rules.
• Pre-authorization holds may reduce available balance temporarily.
• Refund timing is determined solely by each merchant.
• High-risk categories may be blocked automatically.

2.3 General Risk Notice

• Virtual card usage involves financial and operational risks.
• BiulinkPay does not offer lending, FX, or investment services.
• All settlement functions belong to licensed partners.
• Users must comply with local laws and regulations.

2.4 Contact

For compliance or risk inquiries, contact:
support@biulinkpay.com