https://braigest.io/guides/ Practical guides on client onboarding, AML duties, e-signature validity and GDPR for accountants, brokers, clinics, law firms and agencies. en https://braigest.io/guides/what-is-a-pades-seal/ https://braigest.io/guides/what-is-a-pades-seal/ Tue, 22 Sep 2026 08:00:00 GMT A PAdES seal is the ETSI standard behind native e-signature. Here is what "sealed" and "intact" mean for a PDF, and how you can check one yourself. Glossary https://braigest.io/guides/qes-vs-aes-vs-ses/ https://braigest.io/guides/qes-vs-aes-vs-ses/ Tue, 22 Sep 2026 08:00:00 GMT The three eIDAS signature levels explained: what separates simple, advanced and qualified, and why advanced is enough for most business contracts. Glossary https://braigest.io/guides/what-is-an-obliged-entity/ https://braigest.io/guides/what-is-an-obliged-entity/ Tue, 22 Sep 2026 08:00:00 GMT AML obliged entities are professions EU law expects to check a client's identity first. Here is who counts, and what due diligence involves in practice. Glossary https://braigest.io/guides/kyc-vs-kyb/ https://braigest.io/guides/kyc-vs-kyb/ Tue, 22 Sep 2026 08:00:00 GMT KYC verifies a person's identity and KYB verifies a business against official registries. Here is what each actually checks, and when you need both together. Glossary https://braigest.io/guides/what-is-a-ubo/ https://braigest.io/guides/what-is-a-ubo/ Tue, 22 Sep 2026 08:00:00 GMT A UBO is the real person who owns or controls a company. Here is the ownership threshold EU law uses, the control test, and why it matters when onboarding. Glossary https://braigest.io/guides/what-is-a-pep/ https://braigest.io/guides/what-is-a-pep/ Tue, 22 Sep 2026 08:00:00 GMT A politically exposed person is flagged for enhanced due diligence, not refused outright. Here is who counts as a PEP, and what happens once someone is flagged. Glossary https://braigest.io/guides/romania-e-signature-kyc-aml-rules-for-smes/ https://braigest.io/guides/romania-e-signature-kyc-aml-rules-for-smes/ Tue, 22 Sep 2026 08:00:00 GMT Electronic signatures, KYC and AML rules for Romanian SMEs: what Legea 214/2024 and Legea 129/2019 actually require, and how ONPCSB fits into client onboarding. Law https://braigest.io/guides/spain-e-signature-kyc-aml-rules-for-smes/ https://braigest.io/guides/spain-e-signature-kyc-aml-rules-for-smes/ Tue, 22 Sep 2026 08:00:00 GMT Electronic signatures, KYC and AML rules for Spanish SMEs: what Ley 6/2020, Ley 10/2010 and SEPBLAC require, and how it looks as one client onboarding flow. Law https://braigest.io/guides/italy-e-signature-kyc-aml-rules-for-smes/ https://braigest.io/guides/italy-e-signature-kyc-aml-rules-for-smes/ Tue, 22 Sep 2026 08:00:00 GMT Electronic signatures, KYC and AML rules for Italian SMEs: what the CAD and D.Lgs. 231/2007 require, adeguata verifica in practice, and where UIF fits in. Law https://braigest.io/guides/switch-from-jotform-typeform-and-docusign/ https://braigest.io/guides/switch-from-jotform-typeform-and-docusign/ Tue, 22 Sep 2026 08:00:00 GMT Already onboarding clients on Jotform, Typeform and DocuSign? Here is the step-by-step move to one link, without disrupting clients mid-onboarding. Switching https://braigest.io/guides/gdpr-collecting-id-copies-from-clients/ https://braigest.io/guides/gdpr-collecting-id-copies-from-clients/ Tue, 22 Sep 2026 08:00:00 GMT The lawful basis for collecting a client's ID copy, why WhatsApp and personal email are a poor place to keep one, retention periods, and the erasure conflict. GDPR https://braigest.io/guides/client-onboarding-checklist-for-professional-firms/ https://braigest.io/guides/client-onboarding-checklist-for-professional-firms/ Tue, 22 Sep 2026 08:00:00 GMT A client onboarding checklist for professional firms: engagement terms, identity, beneficial owners, screening, consents, signatures and record keeping. Checklist https://braigest.io/guides/ro/documente-necesare-client-nou-contabilitate/ https://braigest.io/guides/ro/documente-necesare-client-nou-contabilitate/ Tue, 22 Sep 2026 08:00:00 GMT Lista de documente pe care o firmă de contabilitate le cere unui client nou din România, plus ce intră în dosarul de cunoaștere a clientului cerut de lege. Contabili https://braigest.io/guides/ro/obligatii-aml-contabili-legea-129-2019/ https://braigest.io/guides/ro/obligatii-aml-contabili-legea-129-2019/ Tue, 22 Sep 2026 08:00:00 GMT Ce cere efectiv Legea 129/2019 de la un expert contabil sau contabil autorizat înainte de a lucra cu un client nou, explicat pas cu pas, nu doar citat din lege. Contabili https://braigest.io/guides/ro/model-contract-servicii-contabile-semnatura-electronica/ https://braigest.io/guides/ro/model-contract-servicii-contabile-semnatura-electronica/ Tue, 22 Sep 2026 08:00:00 GMT Structura unui contract de prestări servicii contabile și răspunsul concret: e valabilă semnătura electronică pe acest tip de contract în România? Contabili https://braigest.io/guides/ro/obligatii-aml-avocati-legea-129-2019/ https://braigest.io/guides/ro/obligatii-aml-avocati-legea-129-2019/ Tue, 22 Sep 2026 08:00:00 GMT Nu orice dosar de avocatură intră sub Legea 129/2019. Ce tranzacții impun verificarea clientului și ce documente cereți înainte de a prelua cauza. Avocați https://braigest.io/guides/ro/verificare-conflict-interese-avocat/ https://braigest.io/guides/ro/verificare-conflict-interese-avocat/ Tue, 22 Sep 2026 08:00:00 GMT Procedura pe care un cabinet de avocatură o folosește pentru a verifica un conflict de interese înainte de a accepta un client nou, pas cu pas. Avocați https://braigest.io/guides/ro/obligatii-aml-agenti-imobiliari-legea-129-2019/ https://braigest.io/guides/ro/obligatii-aml-agenti-imobiliari-legea-129-2019/ Tue, 22 Sep 2026 08:00:00 GMT Legea 129/2019 include agenții și dezvoltatorii imobiliari printre entitățile raportoare. Ce înseamnă asta pentru o tranzacție de vânzare sau închiriere. Agenți imobiliari https://braigest.io/guides/ro/identificare-beneficiar-real-tranzactie-imobiliara/ https://braigest.io/guides/ro/identificare-beneficiar-real-tranzactie-imobiliara/ Tue, 22 Sep 2026 08:00:00 GMT Când vânzătorul sau cumpărătorul e o firmă, identificarea beneficiarului real devine obligatorie. Ce documente cereți și cum verificați, ca agent imobiliar. Agenți imobiliari https://braigest.io/guides/ro/obligatii-aml-intermediari-asigurari-legea-129-2019/ https://braigest.io/guides/ro/obligatii-aml-intermediari-asigurari-legea-129-2019/ Tue, 22 Sep 2026 08:00:00 GMT Nu orice broker de asigurări intră sub Legea 129/2019, doar cei cu asigurări de viață sau investiție. Unde e linia și ce înseamnă pentru dumneavoastră. Brokeri de asigurări https://braigest.io/guides/ro/intermediari-credit-entitati-raportoare-amlr/ https://braigest.io/guides/ro/intermediari-credit-entitati-raportoare-amlr/ Tue, 22 Sep 2026 08:00:00 GMT Regulamentul european AML din 2024 aduce intermediarii de credit de consum și ipotecar în categoria entităților raportoare. Ce se schimbă și de când. Brokeri de credite https://braigest.io/guides/ro/consimtamant-medical-diferit-de-consimtamant-gdpr/ https://braigest.io/guides/ro/consimtamant-medical-diferit-de-consimtamant-gdpr/ Tue, 22 Sep 2026 08:00:00 GMT Un pacient care acceptă tratamentul nu a acceptat automat și modul în care îi sunt folosite datele. De ce sunt două consimțăminte diferite, și cum le separați. Clinici https://braigest.io/guides/es/blanqueo-capitales-asesores-fiscales-ley-10-2010/ https://braigest.io/guides/es/blanqueo-capitales-asesores-fiscales-ley-10-2010/ Tue, 22 Sep 2026 08:00:00 GMT La Ley 10/2010 convierte a asesores fiscales y auditores en sujetos obligados. Qué significa esto al dar de alta a un cliente nuevo en la gestoría. Asesorías y gestorías https://braigest.io/guides/es/kit-digital-gestoria-alta-clientes-digital/ https://braigest.io/guides/es/kit-digital-gestoria-alta-clientes-digital/ Tue, 22 Sep 2026 08:00:00 GMT El bono Kit Digital puede financiar la digitalización del alta de clientes de tu gestoría. Qué categoría cubre esto, qué importe aplica y cómo solicitarlo. Asesorías y gestorías https://braigest.io/guides/es/blanqueo-capitales-abogados-ley-10-2010/ https://braigest.io/guides/es/blanqueo-capitales-abogados-ley-10-2010/ Tue, 22 Sep 2026 08:00:00 GMT No todo encargo de un despacho de abogados entra en la Ley 10/2010. Qué operaciones concretas obligan a hacer diligencia debida y cuáles quedan fuera. Abogados https://braigest.io/guides/es/operaciones-diligencia-debida-abogado/ https://braigest.io/guides/es/operaciones-diligencia-debida-abogado/ Tue, 22 Sep 2026 08:00:00 GMT Una lista clara de las actuaciones que convierten a un despacho en sujeto obligado por un asunto concreto, y las que no, para saber cuándo aplicar el control. Abogados https://braigest.io/guides/es/blanqueo-capitales-agencias-inmobiliarias/ https://braigest.io/guides/es/blanqueo-capitales-agencias-inmobiliarias/ Tue, 22 Sep 2026 08:00:00 GMT Las agencias y promotoras inmobiliarias son sujetos obligados por la Ley 10/2010 sin excepciones. Qué implica esto exactamente para una operación de venta. Inmobiliarias https://braigest.io/guides/es/nota-encargo-inmobiliaria-modelo-blanqueo-capitales/ https://braigest.io/guides/es/nota-encargo-inmobiliaria-modelo-blanqueo-capitales/ Tue, 22 Sep 2026 08:00:00 GMT Un modelo de nota de encargo que además cumple con la obligación de diligencia debida de la Ley 10/2010, no solo con los términos comerciales del mandato. Inmobiliarias https://braigest.io/guides/es/mandato-correduria-seguros-modelo-blanqueo-capitales/ https://braigest.io/guides/es/mandato-correduria-seguros-modelo-blanqueo-capitales/ Tue, 22 Sep 2026 08:00:00 GMT El modelo de carta de nombramiento de un corredor de seguros, y cuándo ese mandato exige además diligencia debida por blanqueo de capitales. Corredurías de seguros https://braigest.io/guides/es/intermediarios-credito-sujetos-obligados-amlr/ https://braigest.io/guides/es/intermediarios-credito-sujetos-obligados-amlr/ Tue, 22 Sep 2026 08:00:00 GMT El nuevo Reglamento europeo AML de 2024 convierte a intermediarios de crédito al consumo e hipotecario en sujetos obligados. Qué cambia y desde cuándo. Intermediarios de crédito https://braigest.io/guides/es/consentimiento-tratamiento-vs-consentimiento-datos-clinica/ https://braigest.io/guides/es/consentimiento-tratamiento-vs-consentimiento-datos-clinica/ Tue, 22 Sep 2026 08:00:00 GMT Que un paciente acepte el tratamiento no significa que haya aceptado el uso de sus datos. Por qué son dos consentimientos distintos, y cómo separarlos. Clínicas https://braigest.io/guides/es/verificacion-identidad-alquiler-coches/ https://braigest.io/guides/es/verificacion-identidad-alquiler-coches/ Tue, 22 Sep 2026 08:00:00 GMT Qué debe comprobar realmente una empresa de alquiler de coches antes de entregar un vehículo, y cómo hacerlo online sin ralentizar la recogida. Rent a car https://braigest.io/guides/accounting-engagement-letter-template-esignature/ https://braigest.io/guides/accounting-engagement-letter-template-esignature/ Tue, 22 Sep 2026 08:00:00 GMT A usable structure for an accounting engagement letter, and the legal answer on whether an e-signed version holds up if a client later disputes it. Accountants https://braigest.io/guides/aml-checklist-for-accountants/ https://braigest.io/guides/aml-checklist-for-accountants/ Tue, 22 Sep 2026 08:00:00 GMT What EU anti-money-laundering rules require accountants to check on a new client, in plain steps, before you look at your own country's specific law. Accountants https://braigest.io/guides/law-firm-aml-due-diligence-triggers/ https://braigest.io/guides/law-firm-aml-due-diligence-triggers/ Tue, 22 Sep 2026 08:00:00 GMT Lawyers are AML-obliged for some work and not others. A clear list of which legal matters trigger customer due diligence duties under EU law, and which do not. Law firms https://braigest.io/guides/law-firm-conflict-of-interest-check-process/ https://braigest.io/guides/law-firm-conflict-of-interest-check-process/ Tue, 22 Sep 2026 08:00:00 GMT A practical walkthrough of how a firm checks for conflicts of interest before taking on a new client, from what to ask to what to search internally. Law firms https://braigest.io/guides/insurance-brokers-aml-scope-life-vs-nonlife/ https://braigest.io/guides/insurance-brokers-aml-scope-life-vs-nonlife/ Tue, 22 Sep 2026 08:00:00 GMT AML rules for insurance intermediaries apply only to life and investment-linked products. Where exactly the line sits, so you know if your book is in scope. Insurance brokers https://braigest.io/guides/aml-checklist-for-estate-agents/ https://braigest.io/guides/aml-checklist-for-estate-agents/ Tue, 22 Sep 2026 08:00:00 GMT Real estate agents are AML-obliged everywhere in the EU, with essentially no carve-out. What that means in practice for a property sale or letting. Real estate agencies https://braigest.io/guides/credit-brokers-newly-aml-obliged-entities/ https://braigest.io/guides/credit-brokers-newly-aml-obliged-entities/ Tue, 22 Sep 2026 08:00:00 GMT Consumer and mortgage credit intermediaries are newly in scope under the EU's 2024 AML Regulation. What changed, who it hits, and the compliance timeline. Credit brokers https://braigest.io/guides/tied-credit-intermediary-aml-exemption/ https://braigest.io/guides/tied-credit-intermediary-aml-exemption/ Tue, 22 Sep 2026 08:00:00 GMT Not every credit intermediary is newly AML-obliged. Acting under one lender's responsibility can mean an exemption. How to tell which side you are on. Credit brokers https://braigest.io/guides/patient-consent-vs-gdpr-data-consent/ https://braigest.io/guides/patient-consent-vs-gdpr-data-consent/ Tue, 22 Sep 2026 08:00:00 GMT A patient agreeing to treatment has not automatically agreed to how their data is used. Why these are two different consents under GDPR, and how to split them. Clinics https://braigest.io/guides/car-rental-drivers-licence-gdpr-retention/ https://braigest.io/guides/car-rental-drivers-licence-gdpr-retention/ Tue, 22 Sep 2026 08:00:00 GMT Car rental companies routinely photocopy a driving licence. How long GDPR actually lets you keep that copy, and what counts as a reason to hold it longer. Car rental https://braigest.io/guides/eidas-article-25-electronic-signature-legal-effect-explained/ https://braigest.io/guides/eidas-article-25-electronic-signature-legal-effect-explained/ Tue, 22 Sep 2026 08:00:00 GMT The one paragraph of EU law that decides whether your e-signed contracts hold up. What Article 25 of eIDAS actually says, and what it does not guarantee. Law https://braigest.io/guides/turn-client-intake-pdf-into-online-form/ https://braigest.io/guides/turn-client-intake-pdf-into-online-form/ Tue, 22 Sep 2026 08:00:00 GMT Most firms already have a client intake PDF they email around. The practical path from that PDF to a form clients fill on their phone, without rebuilding it. Onboarding https://braigest.io/guides/it/antiriciclaggio-avvocati-obblighi-231-2007-soglia-15000-euro/ https://braigest.io/guides/it/antiriciclaggio-avvocati-obblighi-231-2007-soglia-15000-euro/ Tue, 22 Sep 2026 08:00:00 GMT Gli avvocati sono soggetti obbligati solo per certe attività, con l'adeguata verifica scattata sopra i 15.000 euro. Cosa cambia davvero per uno studio legale. Avvocati https://braigest.io/guides/it/antiriciclaggio-commercialisti-obblighi-231-2007/ https://braigest.io/guides/it/antiriciclaggio-commercialisti-obblighi-231-2007/ Tue, 22 Sep 2026 08:00:00 GMT Cosa richiede davvero il D.Lgs. 231/2007 a un commercialista prima di accettare un cliente nuovo, spiegato in pratica e non solo citato dalla norma. Commercialisti https://braigest.io/guides/it/antiriciclaggio-agenti-immobiliari-obblighi-231-2007/ https://braigest.io/guides/it/antiriciclaggio-agenti-immobiliari-obblighi-231-2007/ Tue, 22 Sep 2026 08:00:00 GMT Gli agenti immobiliari sono soggetti obbligati anche con incarico non esclusivo. Cosa significa in pratica per l'adeguata verifica su una compravendita. Agenzie immobiliari https://braigest.io/guides/it/mediatori-creditizi-online-fisici-obblighi-identificazione/ https://braigest.io/guides/it/mediatori-creditizi-online-fisici-obblighi-identificazione/ Tue, 22 Sep 2026 08:00:00 GMT C'è un dibattito aperto su come un mediatore creditizio online debba identificare il cliente rispetto a uno fisico. Cosa dice la normativa, cosa resta incerto. Mediatori creditizi https://braigest.io/guides/it/consenso-cura-diverso-consenso-trattamento-dati/ https://braigest.io/guides/it/consenso-cura-diverso-consenso-trattamento-dati/ Tue, 22 Sep 2026 08:00:00 GMT Un paziente che accetta la cura non ha automaticamente accettato come vengono usati i suoi dati. Perché sono due consensi diversi, e come separarli. Cliniche https://braigest.io/guides/it/cargos-obbligo-dati-noleggio-auto-decreto-sicurezza-2025/ https://braigest.io/guides/it/cargos-obbligo-dati-noleggio-auto-decreto-sicurezza-2025/ Tue, 22 Sep 2026 08:00:00 GMT Con il Decreto Sicurezza, chi noleggia un'auto deve trasmettere i dati d'identità alla Questura tramite la piattaforma CaRGOS. Cosa deve fare esattamente. Autonoleggio