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A Member State may, however, identify in national law such circumstances as being factors indicating a potentially higher risk of money laundering and terrorist financing which obliged entities must take into account in their customer risk assessment, in so far as those factors are compatible with European Union law and, in particular, with the principles of proportionality and non-discrimination.", "kind": "operative_part", "precedent_id": "precedent:eu:c-562-20#2" }, { "n": 3, "paragraph_id": "para_323", "text": "Article 13(1)(c) and (d), of Directive 2015/849, read together with Article 8(2), Article 13(4), and Article 40(1), first subparagraph, (a), thereof,", "kind": "operative_part", "precedent_id": "precedent:eu:c-562-20#3" }, { "n": 4, "paragraph_id": "para_324", "text": "must be interpreted as meaning that when taking customer due diligence measures, the obliged entity is not required to obtain from the customer concerned a copy of the contract concluded between that customer and a third party, in so far as that entity can provide the competent national authority with other appropriate documents demonstrating, first, that it has examined that transaction and the business relationship concluded between the customer and the third party and, second, that it has properly taken them into account in applying the due diligence measures necessary in view of the money laundering and terrorist financing risks identified.", "kind": "operative_part", "precedent_id": "precedent:eu:c-562-20#4" }, { "n": 5, "paragraph_id": "para_326", "text": "Article 14(5) of Directive 2015/849, read together with Article 8(2) thereof,", "kind": "operative_part", "precedent_id": "precedent:eu:c-562-20#5" }, { "n": 6, "paragraph_id": "para_327", "text": "must be interpreted as meaning that obliged entities are required, on the basis of an updated risk assessment, to apply due diligence measures or, where necessary, enhanced due diligence measures to an existing customer where appropriate, including where the relevant circumstances of the customer change, irrespective of the fact that the time limit laid down by national law for carrying out a new risk assessment on that customer has not yet expired. 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