Compliance & Regulatory Framework

1. Commitment to Compliance

Ymflow Investments Singapore is dedicated to upholding the highest standards of legal and ethical conduct. Our operations are fully aligned with the financial regulations and criminal legislation of Singapore, including the Corruption, Drug Trafficking and Other Serious Crimes (Confiscation of Benefits) Act (CDSA) and the Terrorism (Suppression of Financing) Act (TSFA).

2. Anti-Money Laundering (AML) & Countering the Financing of Terrorism (CFT)

We maintain a robust AML/CFT programme that includes:

• Customer Due Diligence (CDD): verifying the identity of all clients and beneficial owners before establishing a business relationship.
• Enhanced Due Diligence (EDD): for higher-risk categories, including politically exposed persons (PEPs).
• Ongoing Monitoring: reviewing transactions to detect and report suspicious activities.
• Record-Keeping: retaining identification and transaction records for at least five years, in accordance with Singapore law.

3. Know Your Customer (KYC)

Before engaging in any financial service, we require prospective clients to provide valid government‑issued identification, proof of address, and, where applicable, corporate registration documents. We do not onboard anonymous entities or shell companies.

4. Sanctions & Embargoes

Ymflow Investments Singapore screens all counterparties against the sanctions lists issued by the United Nations Security Council and the Monetary Authority of Singapore (MAS). We strictly prohibit any transactions with individuals, entities, or jurisdictions subject to sanctions.

5. Anti-Bribery & Corruption

We have a zero-tolerance policy towards bribery and corruption. Our Code of Ethics, available on this site, outlines our adherence to the Prevention of Corruption Act (PCA) of Singapore. All staff receive regular training on anti-corruption practices.

6. Data Protection Compliance

Our privacy practices comply with the PDPA (see our Privacy Policy). We ensure that personal data handled during compliance checks is processed lawfully, securely, and only for the intended regulatory purposes.

7. Reporting & Whistleblowing

Suspected violations of law or regulation may be reported to our compliance officer. Reports can be made confidentially, and the company prohibits retaliation against whistleblowers acting in good faith.

8. Regular Review

This Compliance framework is reviewed periodically to reflect changes in Singapore legislation and international standards. The current version was last reviewed on 17 May 2026.