Anti-Money Laundering & Fraud Statement
This statement describes the controls CallMyAI LLC operates against money laundering, payment fraud, and platform abuse. It is written for payment processors, acquiring banks and card networks, and for anyone assessing how money moves through the platform.
The shape of the risk
Understanding our structure explains why our controls sit where they do.
CallMyAI sells one thing: per-minute conversation time, in small amounts, paid by card. There is no peer-to-peer transfer between users, no wallet a user can withdraw from, no cryptocurrency, no gift-card or stored-value instrument, no cash, and no mechanism by which a fan can move money to another fan. Funds enter by card and leave only as a creator payout to a verified, identity-checked person.
That structure removes most classical laundering routes by construction — there is no way to place funds and then extract them to a different party. The live risks on a platform like ours are card fraud, chargeback abuse, and card testing, and that is where our controls are concentrated.
Automated abuse controls
Three automated rules run against platform activity. We deliberately do not publish the exact thresholds — call counts, time windows and card limits — because naming them tells someone attempting fraud precisely where the line sits. Processors and card networks can obtain the specifics on request.
Repeat-call abuse. Repeated inbound calls to the platform with no completed purchase, across a defined window, result in an automatic platform-wide block on that caller.
Chargeback response. A successful chargeback results in a permanent, platform-wide ban on that identity. The associated creator revenue share is automatically clawed back, and all future purchases and inbound calls from that identity are refused. The ban is not per-creator — it applies across every creator on the platform.
Card-testing detection. Where a single card BIN appears across multiple distinct phone numbers within a short window — the signature pattern of card testing — that BIN is blocked platform-wide.
These rules are automated and act without human intervention. A person who believes a block was applied in error can challenge it through the Appeals Policy.
Tamper-evident financial records
Every money movement on the platform is written to a hash-chained ledger. Each entry incorporates a cryptographic hash of the entry before it, so any later alteration or deletion breaks the chain and is detectable on verification. The same mechanism records every administrative action taken by our staff.
This makes our financial and administrative records tamper-evident. It does not make them tamper-proof, and we do not claim that it does — it means an alteration cannot be made silently.
Pricing floors and reserves
- Creator-set per-minute pricing operates within enforced minimum and maximum floors. A creator cannot set a price outside that band, which removes the ability to move an unusual sum through a single transaction.
- Our payment processor operates its own rolling reserve against our settlement, held against chargeback and dispute exposure in the normal way for an adult merchant.
- Creator payouts run on a fixed schedule with a minimum balance and dispute holds, rather than on demand.
Card data and the merchant-of-record structure
Raw card numbers never touch our systems. Payments are handled by a third-party payment provider acting as merchant of record, and card capture happens within their environment. We hold a payment token, not a card number.
This places us in the lightest tier of card-industry security obligation, and it means a compromise of our systems would not expose card data, because the data is not there to expose. It also means the fan's billing identity is held by the payment provider rather than by us — see the Law Enforcement Guidelines for how that affects a records request.
Creator identity
Money only leaves the platform to a creator, and every creator is identity-verified before earning or being paid. That verification includes government photo identification, an identity match, and a check that the payout account name corresponds to the verified person. The controls are described in the Age Verification & Records Statement.
The practical effect is that there is no anonymous recipient of funds anywhere in the system.
Sanctions — stated accurately
We operate geographic restrictions on where the service may be used, and creators may only join from the markets we serve.
We do not currently operate automated name-screening against sanctions lists on the payout rail, and we do not claim to. Building that screening is committed work that must be complete before we release our first creator payout, and our current geographic restriction list is being reviewed by counsel rather than treated as final.
We give a specific, checkable moment rather than a vague one on purpose. "Before we reach scale" is a threshold we could always argue we had not yet crossed; the first payout is a fixed event that either has or has not happened. A commitment nobody can check is not a commitment.
We state this plainly because the alternative — implying a screening capability we have not yet built — would be exactly the kind of representation a processor is entitled to rely on. We would rather be assessed on what we actually run.
Cooperation
We cooperate with payment processors, acquiring banks, card networks, and law enforcement on financial-crime matters, and we respond to valid legal process as described in the Law Enforcement Guidelines.
We are not able to state a response time. We have no dedicated financial-crime team, and we will not publish a commitment we cannot reliably meet.
How to reach us
Payment, billing and dispute matters go to the billing address. Processor, network and legal correspondence goes to the legal address.
- Payments and refunds — billing@callmyai.ai
- Law enforcement, subpoenas, legal notices — legal@callmyai.ai
CallMyAI LLC, 30 N Gould St, Ste N, Sheridan, WY 82801