Payout Verification Policy

Last updated: October 21, 2026

This Payout Verification Policy Issued by Telecom Apps LLC and Stape Online Ltd, each doing business as Kleos ("Kleos", "we", "us").

This policy explains how we apply Sections 3, 4 and 9 of the Kleos Platform Terms (https://kleos.io/terms) and the Kleos KYC/AML Policy (https://kleos.io/kyc-aml-policy) to payouts. It should be read together with them and with the Payments Schedule published on the Platform.

Why we verify payouts

Kleos pays contractors on behalf of clients in many countries. We and the Payment Service Providers we use are legally required to verify who we pay, where, and on what basis, under anti-money-laundering, sanctions and tax rules. A check is not an accusation, and most payouts pass without any question. A check may be started by our compliance team or by a Payment Service Provider or bank, and we must complete it before the payout can continue. By using the Platform you agree to these checks (Section 3.2 of the Terms).

Who this policy applies to

Every Contractor and Platform Contractor who receives payouts through the Platform, in every country and for every payment method, including digital-asset payouts where they are available. Clients may read this policy to understand why a payout to a contractor can be delayed. We do not share a contractor's compliance details with the Client beyond the status of the payout.

Your obligations

Use only your own payment details. Payouts are made only to a Payout Account: a bank account, card or wallet held in your own name (or, if you are a legal entity, in the name of that entity), recorded in your Account and verified by us. Payouts to accounts of relatives, friends or any other third party are not permitted and will be rejected. Adding or changing a Payout Account is subject to verification, and payouts may be restricted until it is completed (Section 4.4 of the Terms).

Be entitled to receive income in the country where you are paid. A bank account in a country does not by itself allow you to receive income for services there. You need the status that local law requires, for example registration as a sole proprietor, self-employed person or an equivalent status; citizenship, residence or tax residence may be relevant alongside that registration. If you lawfully receive income in more than one country, keep a separate tax profile for each country in your Account and select the correct profile for each withdrawal.

Keep your Account accurate. Update your identity document, address, business registration, tax status and payout details when they change (Sections 3.1 and 3.5 of the Terms). A payout requested against outdated or inconsistent details is paused until the Account is corrected.

Answer our requests in full and on time. When we ask for an explanation or a document, the payout is paused until we receive it. If you do not reply within [10] business days, or the information cannot be confirmed, we may decline the payout.

Keep to a reasonable withdrawal pattern. We recommend no more than 2 to 3 withdrawals per month across all payment methods, and combining amounts rather than splitting them between several cards, accounts or wallets. Staying within this guideline does not exclude a check, but it removes the most common trigger. If you regularly need more withdrawals, or payouts to more than one country, tell Support before you need them and we will confirm what applies to you.

What may trigger a review

• a payout requested to an account, card or wallet that is not a verified Payout Account in your name;

• repeated splitting of an available balance into several smaller payouts within a short period, or payouts spread across several payment methods;

• frequent changes to your payout details, or a payout to details added recently;

• a payout to a country that does not match your tax profile, or where you have no registered basis to receive income for services;

• an amount or pattern that is unusual for your Account;

• a sanctions or watch-list screening match relating to you, your bank, or a person connected to your Account;

• a request from a Client, a bank or a Payment Service Provider to confirm the basis of a payment;

• a missing, expired or inconsistent identity or registration document.

What we may ask for

Depending on the check: a current identity document; proof of your registration or tax status in the payout country; the contract, statement of work or invoice behind the payment; confirmation that the payout details are yours; and, where the law or a Payment Service Provider requires it, information on the source of the funds. We ask only for what the check needs, and we handle what you send in accordance with our Privacy Policy.

What we may do

While a review is open we may pause the affected payout, request information or documents, require you to complete updated verification, and complete our review before processing (Section 4.5 of the Terms). We may also offer to make the payout by an alternative supported method. If the review cannot be completed, or yields a result we consider unacceptable from a compliance, fraud-prevention or sanctions perspective, we may decline the payout, and in serious cases, such as use of third-party details, false documents or a sanctioned counterparty, restrict or close your Account (Sections 3.2, 9.3 and 16.2 of the Terms). Funds received on your behalf are held only for as long as the review or applicable law requires and are never retained beyond that; what happens to a declined payout depends on your Agreement or Contract and on applicable law (Sections 4.6 and 16.3 of the Terms).

What to expect during a review

We will always tell you that a payout is paused and what we need from you. In some cases the law does not allow us to tell you why a check was started, or that a report has been made to an authority (Sections 9.3 and 12.4 of the Terms). We cannot override a bank's or Payment Service Provider's own requirements, and we cannot pay to third-party details under any circumstances.

Where these rules come from

These rules restate the verification and payout provisions of the Kleos Platform Terms, the Kleos KYC/AML Policy, your Agreement or Contract, and the law of the country in which you receive income. You accepted the Terms and the KYC/AML Policy when you registered on the Platform. This policy applies to every payout from the date shown above.

Questions and review

For questions about a check, reply to the notice you received or write to support@kleos.io with the payout reference. If you disagree with a decision, write to support@kleos.io with the subject line "Payout review" and the payout reference; a compliance reviewer who did not take the original decision will respond within [5] business days. Communication with our team during a check is covered by our Acceptable Communication Policy.

Relationship to the Terms

This policy explains how we apply the following provisions of the Kleos Platform Terms: Section 3.2 (identity and business verification as a condition of using the Platform), Section 3.5 (keeping Account information current), Section 4.4 (Payout Accounts), Section 4.5 (payout review), Section 4.6 (irreversibility), Section 5.2(b), (c), (d), (e) and (f) (no false information, third-party payouts, unlawful activity, Prohibited Regions or circumvention of verification), Section 9 (sanctions and anti-money-laundering), Section 10 (digital-asset payouts), Section 12 (government and legal requests) and Section 16.3 (notice and holds during review), together with the KYC/AML Policy at kleos.io/kyc-aml-policy. If anything in this policy conflicts with the Terms, the KYC/AML Policy or your Agreement, those documents prevail (Section 19.2 of the Terms).