AML / CTF rules
Client due diligence, identity verification, risk classification, ongoing transaction monitoring, record keeping and reporting obligations, applied as described in our KYC & AML policy.
Corporate · Regulatory disclosure
Licenses & regulatory information
Who operates Loryn Creditvale, the compliance framework the service works within, where it is offered, what it is not, and how to obtain our corporate and compliance documentation.
This page is a general disclosure. It does not reproduce registration data, and it is not an offer or solicitation in any jurisdiction where such an offer would be unlawful.
01 — The operator
Which entity operates the service
Loryn Creditvale is a trading name used by a single legal entity that operates the website, the client account area and the related client-facing services. That entity is the counterparty to the client agreement you accept when you open an account, and it is the entity responsible for handling your personal data, your onboarding documentation and your client funds records.
The full legal name of that entity, its company form, its registered office and its registration and — where applicable — authorisation details are stated in the client agreement and in the corporate documentation pack. We do not publish those details on this page in isolation, because they must be read together with the contractual terms that define the relationship. They are provided in full, in writing, on request and before you are asked to commit funds.
Certain operational functions may be delegated to service providers — for example technology hosting, identity-verification tooling, payment processing and custody of assets. Delegation does not change who your contractual counterparty is: the operating entity remains responsible to you for the service it provides, and the categories of provider it relies on are described in the client agreement and privacy policy.
If you are ever unsure whether a website, application, message or social media account genuinely belongs to Loryn Creditvale, do not act on it. Verify it through the official domain at https://loryncreditvale-app.com/licenses or through the support channel published inside your account area before sending money or documents to anyone.
02 — Framework
The framework we work within
We describe our obligations by category rather than by naming individual authorities, because the applicable rules depend on the jurisdiction in which a client is resident and on the specific services provided there.
Sanctions screening
Screening of clients and counterparties against applicable sanctions and restrictive-measures lists, with refusal, blocking or reporting where the law requires it.
Data protection
Lawful, limited and purpose-bound processing of personal data, with defined retention periods, security controls and the data-subject rights set out in our privacy policy.
Client disclosure and fair dealing
Costs, charges and material risks are disclosed before you act. Marketing communications are identified as such. Complaints are logged and handled through a defined internal procedure, and clients are told what escalation routes are available to them under the applicable law of their jurisdiction.
Asset segregation
Client assets are recorded separately from the operating entity's own assets and held with third-party custodians under written arrangements, as described in the client agreement.
03 — Territorial scope
Where the service is available
Loryn Creditvale is offered only where we are permitted to offer it and where we can complete our onboarding obligations. Availability is assessed by country of residence, not by the country from which you happen to connect.
Served jurisdictions
Accounts are opened for residents of countries where the service may lawfully be provided, where our verification requirements can be met, and where a supported funding method is available. The current list of accepted countries of residence is shown during registration and in your account area.
Excluded jurisdictions
We do not onboard or serve residents of countries or territories subject to applicable sanctions or comprehensive restrictive measures, countries identified as high-risk where we cannot apply adequate controls, and any jurisdiction in which offering the service would require an authorisation we do not hold.
Client eligibility
Clients must be of legal age in their jurisdiction, act on their own behalf, and use funds of lawful origin. If your residence changes to an excluded jurisdiction, we may be required to restrict your account and arrange an orderly return of your assets.
- Nothing on this website is directed at persons in jurisdictions where its publication or use would be contrary to local law
- Country availability can change; the list published at registration always prevails over any other source
04 — Important limitations
What this service is not
Not investment advice. The content of this website, the dashboards, the calculators, the strategy tools and any educational material are provided for information only. They are general in nature, do not take account of your objectives, financial situation, knowledge, experience or tax position, and must not be read as a personal recommendation to buy, sell or hold any asset. Any illustration of possible outcomes is a hypothetical projection based on assumptions you select; it is not a forecast and not a promise.
Not a bank and not a deposit. Money and assets held in connection with your account are not bank deposits. They do not earn a guaranteed rate of return, they are not covered by any deposit-guarantee or savings-protection scheme, and no capital protection is offered or implied. Where a yield or reward figure is displayed, it is variable, dependent on third-party network or venue conditions, and can fall to zero.
Not a guarantee of performance. Past performance is not a reliable indicator of future results. The value of investments can fall as well as rise, and you may receive back less than you invested. Digital assets in particular can be highly volatile and may become illiquid. You should not invest money you cannot afford to lose, and you should consider taking independent professional advice about your own circumstances.
Not tax or legal advice. You are responsible for determining and meeting your own tax and reporting obligations in your country of residence. We can provide statements of your account activity, but we do not advise on their treatment.
Limits and timeframes. Minimums, maximums, fees and processing times are expressed as ranges in our published material and may vary by jurisdiction and payment method. The figures that apply to you are always the ones published in your account area at the relevant time.
05 — Documents on request
How to request our documentation
Existing and prospective clients may request the corporate and compliance documentation of the operating entity. We provide it in writing, free of charge, in the ordinary course.
-
01
Send a written request
Contact us through the support channel published in your Loryn Creditvale account area, or the contact route listed on our website. State clearly which documents you need — for example the operator's corporate details, the client agreement, the risk disclosure, the complaints procedure or the compliance summary.
-
02
Identify yourself
If you already hold an account, send the request from the email address registered to it and quote your account reference. This lets us confirm we are answering the account holder and not a third party.
-
03
Receive the pack
Requests are normally answered within a few business days. Where a document must be prepared, translated or reviewed before release, we will confirm the expected timeframe when we acknowledge your request.
Regulatory questions
Which authority supervises the service?
The supervisory position depends on the operating entity's jurisdiction and on the specific services provided to clients in a given country. Rather than publish a partial statement here, we set out the applicable position in the corporate documentation pack, which we send on written request.
Can you confirm the operator's registration details in writing?
Yes. Contact support and ask for the corporate documentation of the operating entity. We will confirm the legal name, corporate form, registered office and applicable registration or authorisation status in writing.
How are client assets held?
Client assets are recorded separately from the operating entity's own assets and held with third-party custodians under written arrangements. The custody model, including which portion is held in offline storage, is described in the client agreement.
Is my money protected by a compensation scheme?
No deposit-guarantee or savings-protection scheme applies to investment or digital-asset positions held through this service. Any insurance arrangement that exists at custodian level covers specific, defined events only and is not a guarantee of your investment value. We can explain the arrangements applicable to your account on request.
How do I make a complaint?
Send your complaint through the support channel in your account area, describing what happened and what outcome you seek. It is logged and handled under our internal complaints procedure, which we will send you on request, together with any escalation route available under the applicable law of your jurisdiction.
Where do I send a regulatory or compliance enquiry?
Use the same support route and mark the message for the attention of the compliance function. Enquiries from authorities, auditors and professional advisers are handled through that channel and are answered in writing.
Contact route
Talk to our compliance function
All regulatory, corporate-documentation and complaints enquiries are handled in writing through the support details published inside your Loryn Creditvale account area, or the contact route listed on our website at https://loryncreditvale-app.com/licenses.
- Documents supplied free of charge on written request
- Replies normally within a few business days
- Never send funds or documents outside official channels
Risk warning
Investing involves risk. The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Digital assets can be highly volatile and are not covered by deposit-guarantee schemes.
This page is provided for general information, may be updated from time to time, and does not form part of any contract. Where it differs from the client agreement, the client agreement prevails.