1. Introduction

IMOFIND is committed to the highest standards of integrity and compliance with Anti-Money Laundering (AML) laws and regulations. As a real estate agency operating in Portugal with international partnerships, we implement strict measures to prevent illicit financial activities, including money laundering and terrorism financing.

This policy outlines our approach to detecting and reporting suspicious activities, in accordance with Portuguese law (Law no. 83/2017) and international AML guidelines.

2. Compliance & Regulatory Framework

IMOFIND fully adheres to:

• Portuguese AML Laws (Law no. 83/2017 and related regulations)

• EU Directives on AML & Counter-Terrorism Financing

• FATF (Financial Action Task Force) Recommendations

We also utilize PEPData (www.pepdata.com), a specialized AML compliance platform, to enhance due diligence and risk assessment procedures.

3. Customer Due Diligence (CDD) & Know Your Customer (KYC)

To prevent financial crimes, IMOFIND applies strict Customer Due Diligence (CDD) and Know Your Customer (KYC) procedures, including:

• Identity Verification – Collection of valid identification documents (passport, national ID, NIF, proof of address).

• Beneficial Ownership Assessment – Identifying the ultimate beneficial owners (UBOs) behind corporate entities.

• Enhanced Due Diligence (EDD) – Applied in high-risk transactions, including cases involving Politically Exposed Persons (PEPs) and international clients from high-risk jurisdictions.

4. Transaction Monitoring & Risk Assessment

IMOFIND continuously monitors transactions to detect unusual patterns, such as:

• Large cash payments or inconsistent financial behavior.

• Transactions involving offshore accounts or tax havens.

• Rapid property resales at significantly different values.

All flagged transactions undergo further review, and if necessary, are reported to the relevant authorities.

5. Reporting Suspicious Activities

If any suspicious activity is detected, IMOFIND complies with its legal obligation to report to:

• Central Department of Criminal Investigation and Prosecution (DCIAP)

• Financial Information Unit (UIF) of the Portuguese Judiciary Police

Internally, any concerns must be reported immediately to our Legal & Compliance Department at:
Email: legal@imofind.com
Phone: (+351) 928 220 394

6. Employee Training & Compliance Monitoring

IMOFIND ensures that all employees receive regular AML training to stay updated on best practices, regulatory changes, and risk detection methods. Compliance audits and policy reviews are conducted periodically to maintain adherence to legal and ethical standards.

7. Commitment to Ethical Business Practices

IMOFIND operates with full transparency and zero tolerance for financial crimes. By integrating advanced AML solutions like PEPData, conducting strict due diligence, and maintaining rigorous compliance measures, we safeguard our clients and business partners from financial risks.

For any questions regarding our AML policy or compliance procedures, please contact legal@imofind.com.