Kyc

At Spinko, maintaining a safe, secure, and responsible gaming environment for all our players is paramount. Identity verification, often referred to as Know Your Customer (KYC), is a fundamental part of our commitment to these principles. It allows us to confirm that you are who you say you are, ensuring that your account is protected from unauthorised access and that all transactions are legitimate. This process is not merely a formality, it is a critical measure required by law and by our licensing authority to prevent fraud, money laundering, and underage gambling. By verifying your identity, we safeguard both your interests and the integrity of our platform.

KYC, or Know Your Customer, is a regulatory requirement for financial institutions and online gambling operators like Spinko. It involves gathering and verifying specific information about our customers. The primary goals of KYC are to:

• Prevent identity theft and fraudulent activities.
• Comply with anti-money laundering (AML) regulations.
• Ensure that players meet the minimum legal age for gambling.
• Promote responsible gaming practices.
• Protect our business and our players from financial crime.

This process helps us understand who our customers are, assess potential risks, and fulfill our legal obligations as a licensed operator.

Verification is an ongoing process that may be triggered at various stages of your journey with Spinko. While we aim to make your initial sign-up as smooth as possible, certain actions or thresholds will necessitate a full verification check. You may be asked to complete verification:

• Upon registration, as part of our initial checks.
• Before your first withdrawal, or subsequent withdrawals, especially if the amounts are substantial.
• If your cumulative deposits or withdrawals reach a certain threshold.
• If there are changes to your personal information or payment methods.
• When our internal monitoring systems detect unusual or suspicious account activity.
• If required by our licensing authority or for enhanced due diligence purposes.

We will notify you promptly if verification is needed and guide you through the necessary steps.

To complete the verification process, you will typically be asked to provide copies of specific documents. These documents help us confirm your identity, address, and ownership of payment methods. The exact documents required can vary based on your jurisdiction and the specific circumstances of the verification request. We always ensure that any document requests are proportionate and necessary for the verification purpose.

To verify your identity, we require a valid, government-issued photographic identification document. This document must clearly show your full name, date of birth, a photograph, and an expiry date. Acceptable forms of proof of identity generally include:

• Passport: A full colour copy of the photo page.
• National Identity Card: A full colour copy of both the front and back.
• Driving Licence: A full colour copy of both the front and back.

The document must be current, not expired, and all details must be clearly legible. The name on your identity document must match the name registered on your Spinko account.

To confirm your residential address, we require a document issued within the last three months that clearly displays your full name and current residential address. This document must not be a P.O. Box address. Examples of acceptable proof of address include:

• Utility bill (e.g., electricity, gas, water, internet, landline phone bill). Mobile phone bills are generally not accepted.
• Bank statement or credit card statement.
• Government-issued letter or tax statement.

The document must be dated within the last 90 days and show your name and address matching the details registered on your Spinko account. Ensure all four corners of the document are visible in the image.

To ensure the security of your transactions and to comply with AML regulations, we may also need to verify the payment methods you use to deposit or withdraw funds from your Spinko account. This helps us confirm that you are the legitimate owner of the payment account. The specific documentation required depends on the payment method:

• Credit/Debit Cards: A copy of the front of the card showing the first six and last four digits of the card number (e.g., 1234 56XX XXXX 1234), your name, and the expiry date. For security, please obscure the middle eight digits and the CVV/CVC code on the back.
• E-Wallets (e.g., Skrill, Neteller, PayPal): A screenshot of your e-wallet account page clearly showing your name, email address, and the account ID.
• Bank Transfers: A copy of a bank statement showing your name, bank account number, and the bank's logo.

The name on the payment method must always match the name registered on your Spinko account. Third-party payments are strictly prohibited.

In certain circumstances, particularly for larger transactions or if our risk assessment indicates a need, Spinko may be required to request documentation regarding your source of funds (SOF) or source of wealth (SOW). This is part of our enhanced due diligence (EDD) procedures, mandated by anti-money laundering regulations. This information helps us understand the origin of the funds used for gambling and ensures that they are legitimate. Examples of documents that may be requested include:

• Payslips or employment contracts.
• Bank statements showing regular income.
• Documents related to property sales.
• Inheritance documents.
• Business ownership documentation.

We understand that such requests are sensitive, and we handle all information with the utmost confidentiality and in accordance with our Privacy Policy. Our aim is to fulfill our legal obligations while respecting your privacy.

Once you submit your documents, our dedicated verification team will review them. We strive to complete all verification checks as quickly as possible. Typically, the initial review process takes between 24 and 72 hours. However, this timeframe can vary depending on the clarity and completeness of the documents provided, the volume of requests, and any additional information that may be required. You will be notified via email or through your Spinko account when your documents have been reviewed and your account status updated. If any documents are unclear or further information is needed, we will contact you with specific instructions.

Spinko takes the security and privacy of your personal information very seriously. All documents and data you provide for verification are handled in strict compliance with data protection laws, including the General Data Protection Regulation (GDPR). Your documents are stored securely using encryption and access controls, ensuring that only authorised personnel can view them for verification purposes. We do not share your personal data with third parties for marketing purposes. For more details on how we protect your information, please refer to our comprehensive Privacy Policy.

Spinko operates under a strict anti-money laundering (AML) policy, which is a legal requirement for licensed gambling operators. Our KYC and verification procedures are integral to this policy. We are committed to preventing our platform from being used for illicit activities, such as money laundering or terrorist financing. By verifying your identity and monitoring transactions, we can identify and report suspicious activities to the relevant authorities, contributing to the global fight against financial crime. This commitment protects Spinko, our players, and the wider financial system.

Gambling is strictly prohibited for individuals under the legal age. At Spinko, we are unwavering in our commitment to preventing underage gambling. Our age verification process is a critical component of our responsible gaming policy. By confirming your date of birth through official identification documents, we ensure that only individuals who are 18 years or older, or the legal age of majority in their jurisdiction, can access and use our services. Any accounts found to belong to minors will be immediately closed, and any winnings confiscated. We encourage parents and guardians to use filtering software to prevent minors from accessing gambling sites.

While we aim for a swift verification process, there may be instances where it is delayed or unsuccessful. Common reasons for delays include unclear document images, expired documents, discrepancies between provided information and account details, or missing information. If your verification is unsuccessful, it could be due to invalid documents, failure to meet age requirements, or an inability to confirm your identity or address. In such cases, we will inform you of the specific reason and guide you on how to resolve the issue. Please respond to our requests for further information promptly to avoid any interruption to your account services, including withdrawals. Failure to complete verification may result in account restrictions or closure.

If you have any questions about the verification process, require assistance with uploading documents, or encounter any issues, our dedicated customer support team is here to help. You can reach us via:

• Live Chat: Available directly on the Spinko website for immediate assistance.
• Email: Send your queries to [email protected], and we will respond as quickly as possible.

Please do not hesitate to contact us. We are committed to making your verification experience as straightforward as possible while upholding our regulatory obligations and ensuring a secure environment for all Spinko players.