New · 2025 Prospectuses Available
— Five strategies, up to 112% annual return ·
Capital Preserver · Balanced Growth · Real Estate Trust · Private Wealth Index · Aggressive Equity
View 2025 Prospectuses →
Why Halofinity
Compliance & Regulation
Halofinity operates within a defined regulatory framework covering AML obligations, KYC identity standards, investor capital protections, and jurisdictional licensing requirements. This page documents every obligation we operate under and every protection it gives you.
AML
Anti-Money Laundering obligations fully implemented
KYC
Identity verified on every account before position opening
100%
Investor funds held in segregated accounts
GDPR
Data protection fully compliant — EU & UK standards
01 — The Framework
The Regulatory Framework Halofinity Operates Under
Compliance at Halofinity is not optional — it is structural. Three interlocking regulatory frameworks govern every aspect of how the platform operates.
Framework 01
Anti-Money Laundering (AML)
Halofinity operates under a comprehensive AML programme aligned with the Financial Action Task Force (FATF) 40 Recommendations. This includes transaction monitoring, suspicious activity reporting (SAR), customer due diligence (CDD), and enhanced due diligence (EDD) for high-value positions. All incoming and outgoing funds are screened against global sanctions lists in real time.
Framework 02
Know Your Customer (KYC)
Every investor on the platform is identity-verified before opening an investment position. KYC is a mandatory legal requirement, not a discretionary check. Our KYC programme covers document verification (government-issued ID), proof of address, biometric liveness, and — for high-value accounts — beneficial ownership and source of wealth declarations. Corporate accounts require additional entity verification.
Framework 03
Data Protection & Privacy (GDPR/UK GDPR)
All investor data is processed in compliance with the General Data Protection Regulation (GDPR) and its UK equivalent. This includes a lawful basis for all data processing, minimum data retention policies, right-to-erasure procedures, Data Processing Agreements (DPAs) with all third-party service providers, and a documented Data Protection Officer (DPO) function. Investor data is never sold or shared for marketing purposes.
02 — Our Obligations
What AML & KYC Legally Require Us to Do
These obligations are not choices — they are enforceable legal requirements. Here is exactly what each framework mandates and how we fulfil it.
AML Obligations
What Anti-Money Laundering Law Requires
- Maintain a written, board-approved AML policy reviewed annually
- Screen all customers against OFAC, UN, EU, and HM Treasury sanctions lists
- Monitor all transactions for structuring, layering, or suspicious patterns
- File Suspicious Activity Reports (SARs) to the relevant Financial Intelligence Unit within required timeframes
- Apply Enhanced Due Diligence for Politically Exposed Persons (PEPs) and high-risk jurisdictions
- Retain transaction records for a minimum of 5 years post-business relationship
- Train all staff with customer-facing or financial oversight roles annually on AML obligations
KYC Obligations
What Identity Verification Law Requires
- Verify the identity of every customer before any financial service is provided
- Obtain and verify a government-issued photo ID from all individual account holders
- Confirm proof of address via independent documentary evidence
- Conduct ongoing periodic review of customer identity for high-value accounts
- Verify beneficial ownership for all corporate and entity accounts (25%+ threshold)
- Apply biometric liveness verification to confirm document holder identity
- Retain all KYC records for a minimum of 5 years after the relationship ends
03 — Investor Protections
What the Regulatory Framework Specifically Protects You From
Compliance is not just an obligation on us — it is active protection for you as an investor. Here is what the framework specifically guards against.
Segregated Client Funds
All investor capital is held in segregated accounts entirely separate from Halofinity operating funds. In the event of any platform financial difficulty, investor principal cannot be used to meet business obligations.
Contractual Lock-In Terms
The APY and fee structure confirmed at position opening are contractually fixed for the term. The platform cannot retrospectively alter yield rates, fees, or exit terms on existing positions without investor consent.
Right to Early Exit
Regardless of lock period, investors retain the right to exit any position at any time. No investment structure on the platform permanently restricts access to capital. The early exit fee covers liquidity costs — it is not a restriction mechanism.
Data Protection Rights
Under GDPR and UK GDPR, investors hold the rights of: access, rectification, erasure, portability, and objection to processing. All requests are handled within the statutory 30-day window with full written response.
SAR & Fraud Protection
All accounts are monitored continuously for fraud indicators. Any suspected unauthorised access triggers an automatic account freeze and immediate investor notification. Investor accounts can be self-locked at any time via the dashboard security settings.
Fair and Clear Disclosure
All material risks, fees, and terms are disclosed in plain language in writing before any investor opens a position. No terms are buried in footnotes. The strategy prospectus is the definitive reference document and is legally binding on both parties.
Dispute Resolution Access
All investors have the right to raise a formal complaint via the platform's documented complaints procedure. Complaints are acknowledged within 5 business days and resolved or fully reasoned within 28 calendar days. Unresolved complaints may be escalated to the relevant regulatory authority.
No Platform Risk on Investor Capital
Investor funds held in segregated accounts are never used in platform operations. Halofinity's own operational capital is entirely separate. This means platform operational expenses, staff costs, or business liabilities have zero legal claim over investor-held funds.
04 — Jurisdictions
Regulatory Presence by Region
Halofinity maintains regulatory compliance across all jurisdictions where it accepts investors. Below are the primary regulatory frameworks applicable by region.
United Kingdom
UK GDPR (Data Protection Act 2018), POCA 2002 (AML), FCA guidelines on financial promotions and investor communications.
European Union
GDPR (Regulation 2016/679), EU AMLD6 (Anti-Money Laundering Directive 6), MiCA framework for digital asset-related transactions.
United States
FinCEN AML programme requirements, Bank Secrecy Act (BSA) obligations, OFAC sanctions screening, and applicable state-level transmitter regulations.
Africa (Selected Countries)
Country-specific AML/CFT frameworks aligned with GIABA (West Africa) and ESAAMLG (East Africa). KYC standards adapted to local government ID infrastructure.
Middle East & GCC
FATF 40 Recommendations applied; jurisdiction-specific compliance for UAE (CBUAE guidelines), Saudi Arabia (SAMA framework), and other GCC states.
Asia-Pacific
Compliance frameworks vary by market. APAC investors are subject to FATF-aligned AML provisions and bilateral data protection treaties where applicable. Restricted jurisdictions are listed in the Investor Agreement.
05 — Risk Disclosure
Regulatory Risk Disclosure — Required Reading
Regulatory frameworks require us to clearly disclose the material risks associated with investment. The following disclosures are not disclaimers — they are genuine risks investors must understand.
Risk Category 01
Capital Risk
Investments in any of the five strategies carry capital risk. While Halofinity has delivered positive yields across all strategies and in all periods since launch, past performance is not a guarantee of future returns. Investors may receive back less than they invested in the event of sustained adverse market conditions.
Strategy-specific — see prospectus
Risk Category 02
Liquidity Risk
Fixed-term positions are illiquid for the duration of the lock period. Investors requiring immediate access to capital should consider the Flexible structure. Early exit from a fixed-term position triggers the applicable exit fee and a 72-hour settlement period, which may not suit all liquidity needs.
Mitigated by Flexible structure
Risk Category 03
Currency Risk
All positions are denominated in USD. Investors depositing in non-USD currencies bear the foreign exchange risk between their local currency and USD for both the deposit and the withdrawal. Halofinity does not hedge investor FX exposure. Exchange rate movements may affect the value in local currency terms.
USD-denominated platform
Risk Category 04
Regulatory Change Risk
Changes in the regulatory environment — including new AML directives, digital asset regulations, or tax legislation — may affect platform operations, the availability of certain strategies in specific jurisdictions, or reporting obligations for investors. Halofinity monitors all regulatory developments and will notify investors of material changes.
Monitored continuously
06 — Compliance Questions
Regulatory Questions Investors Ask Most
Halofinity operates under the AML, KYC, and data protection frameworks applicable in each jurisdiction where it accepts investors. Platform operations, investor capital segregation, and KYC processes are designed to meet the standards set by FATF and the primary regulatory bodies in our key markets. Investors are encouraged to review the full regulatory disclosure in the Investor Agreement and to consult their own financial and legal advisers regarding suitability in their specific jurisdiction.
Investor capital is held in segregated accounts entirely separate from Halofinity's operating funds. These accounts are legally ring-fenced from platform operational liabilities. In a cessation scenario, a structured wind-down procedure is followed and all investor capital — including all matured and accrued yields — is returned in full. Positions would be converted to Flexible status for full exit within 30 business days of notification.
Compliance concerns and suspicious activity reports can be submitted via the secure Contact section of your investor dashboard, or by emailing the compliance team directly using the address listed in the Investor Agreement. All reports are handled in confidence. Whistleblower protections apply — your identity is not disclosed to the subject of any concern you raise.
In most jurisdictions, investment yield and capital gains are taxable events. Halofinity provides full annual investor statements and exportable CSV transaction histories to assist with tax reporting. The platform does not provide tax advice — investors are responsible for their own tax compliance. We recommend consulting a qualified tax adviser in your country of residence.
If a transaction or account activity triggers an AML flag, the relevant funds are placed under a temporary compliance hold while the matter is reviewed. You are notified promptly and asked to provide documentation supporting the source of funds. Most AML holds are resolved within 5 business days. If the review concludes that a legal filing is required, you will be informed as far as legally permitted — noting that certain SAR obligations carry a legal "tipping off" prohibition that limits what we can disclose.
Invest Inside a Compliant Framework
Every position opened on Halofinity is backed by a documented regulatory structure designed to protect your capital and your data.