Sure, I was referring to the terms & conditions and compliance document you had prepared when you started your services. Not regarding the certification you got few months ago - i have received a newsletter from you about this certification. i know you guys took compliance seriously just after you started. i also remember when you were accepting documents to your email and then you put together the web page for it - all good, just the learning curve.

What I am trying to say here is, our compliance was never been lesser than what it should have been. So i was replying to comment by ctptosec.

Are you ctptosec as well or is he your employee ?
Are you fine with re-opening your business if i can help you get a new banking relationship?