Sanctions & Restricted Activities Policy

AMANA is committed to operating a lawful and responsible platform. This Sanctions & Restricted Activities Policy describes activities that are strictly prohibited on AMANA in connection with sanctions compliance, financial crime, and other restricted activities.

This policy applies to all users of the AMANA platform, including registered account holders, companies, and any person or entity accessing or using the platform in any capacity.

AMANA prohibits the use of the platform by any person or entity that is:

• ✗Listed on any sanctions list administered by the UAE, the United Nations, the United States Office of Foreign Assets Control (OFAC), the European Union, the United Kingdom, or any other competent authority
• ✗Owned or controlled (directly or indirectly) by a sanctioned person or entity
• ✗Acting on behalf of, or for the benefit of, a sanctioned person or entity

If AMANA becomes aware, or has reasonable grounds to suspect, that a user is a sanctioned person or entity or is acting for a sanctioned person or entity, AMANA will terminate the relevant account immediately and may cooperate with competent authorities.

⚠️ AMANA's specific sanctions screening obligations under UAE law, including the UAE Cabinet Resolution No. 10 of 2019 and related legislative instruments, are subject to local legal review.

AMANA does not knowingly provide services to users located in, or operating from, jurisdictions that are subject to comprehensive international sanctions or where applicable law prohibits the provision of AMANA's services.

⚠️ The specific list of applicable prohibited jurisdictions is subject to ongoing review under AMANA's sanctions compliance programme and applicable UAE law. Local legal review is required.

The following activities are strictly prohibited on AMANA:

• ✗Using the AMANA platform to facilitate, promote, or execute money laundering in any form
• ✗Structuring or layering transactions through or in connection with AMANA to conceal the source, origin, or ownership of illegal proceeds
• ✗Using AMANA as a tool or channel to introduce illegal or criminally derived funds into the financial system
• ✗Using AMANA to disguise or obscure the true source, origin, or beneficial ownership of funds or assets

The following activities are strictly prohibited on AMANA:

• ✗Using the AMANA platform to solicit, transfer, or facilitate the provision of funds or financial resources to terrorist organizations or for terrorist activities
• ✗Using AMANA to recruit members for, or promote, terrorist organizations or extremist groups
• ✗Using AMANA to communicate on behalf of, or in furtherance of the objectives of, terrorist organizations

The following activities are strictly prohibited on AMANA:

• ✗Using AMANA to circumvent, evade, or avoid the application of any applicable sanctions
• ✗Assisting any sanctioned person or entity to access the platform or its services
• ✗Using a third party as a front, nominee, or intermediary to access AMANA on behalf of a sanctioned person or entity
• ✗Disguising, misrepresenting, or concealing the true nationality, location, or identity of a user for the purpose of evading sanctions screening

The following activities are strictly prohibited on AMANA:

• ✗Offering, promoting, or facilitating unauthorized banking, payment, or financial services without appropriate regulatory authorization
• ✗Operating, promoting, or soliciting participation in unlicensed investment funds or collective investment schemes
• ✗Offering unauthorized securities, investments, or financial products to users
• ✗Operating or promoting unauthorized Ponzi schemes, pyramid schemes, or chain investment structures of any kind
• ✗Promoting fraudulent or unauthorized crypto-asset offerings, including unlicensed initial coin offerings (ICO), initial token offerings (ITO), or security token offerings (STO)
• ✗Offering unlicensed moneylending, currency exchange, or remittance services to users

⚠️ UAE financial services licensing requirements are set out under UAE Federal Law No. 14 of 2018 Regarding the Central Bank and related legislation, and under the regulatory frameworks of the DFSA (Dubai Financial Services Authority), FSRA (Financial Services Regulatory Authority), and SCA (Securities and Commodities Authority), as applicable. Regulated activities in the UAE require appropriate licensing from the competent authority. Local legal review is required.

The following activities are strictly prohibited on AMANA:

• ✗Offering, soliciting, or accepting bribes or corrupt payments through or in connection with AMANA
• ✗Using AMANA to facilitate or broker corrupt arrangements with public officials, government entities, or private parties
• ✗Using AMANA to conceal, process, or legitimize corrupt payments or the proceeds of corruption

The following activities are strictly prohibited on AMANA:

• ✗Submitting forged, altered, expired, or otherwise fraudulent documents to AMANA for any purpose, including but not limited to Trade License documents submitted for the AMANA Verified program
• ✗Misrepresenting a company's registration status, licensing status, or regulatory authorization on the platform
• ✗Creating fraudulent company pages, profiles, or content designed to deceive, mislead, or defraud other users

Submission of fraudulent documents to AMANA constitutes a material breach of AMANA's Terms of Service and may be reported to competent authorities.

Where AMANA suspects or determines that a user has violated this policy, AMANA may take any of the following actions:

• ·Immediately suspend or terminate the user's account without prior notice
• ·Preserve all available evidence, including account data, communications, and documents
• ·Cooperate with UAE authorities, law enforcement, regulatory bodies, financial intelligence units (including the UAE Financial Intelligence Unit), or other competent authorities, where required or permitted by applicable law
• ·Decline to disclose the reasons for account suspension or termination where doing so would compromise an investigation or legal process

All enforcement decisions under this policy are made at AMANA's sole discretion. AMANA is not required to provide prior notice before taking enforcement action where an urgent or serious risk is present.

If you suspect that a user is engaged in any of the activities prohibited by this policy, report it to AMANA immediately.

AMANA is not a law enforcement body. For active criminal conduct, contact local law enforcement authorities directly. Contacting AMANA does not substitute for reporting to competent authorities.

This policy describes AMANA's platform rules only. It does not constitute legal, regulatory, compliance, financial, or professional advice of any kind.

Users and companies with questions about their specific compliance obligations — including obligations under UAE AML/CFT law, sanctions regulations, financial services licensing requirements, or any other applicable legal or regulatory framework — should consult qualified legal counsel or compliance professionals with relevant expertise.

This policy is governed by the laws of the United Arab Emirates. Any dispute arising in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts of the UAE.

⚠️ AMANA's specific compliance obligations under UAE AML/CFT law — including Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism and Illegal Organizations and related implementing regulations — are subject to local legal review.

For questions about this policy or to report a suspected violation, please contact AMANA using the details below.

Effective date: May 10, 2026. This policy was last updated on May 10, 2026.