KYC and Verification

At Spinko, maintaining a secure, fair, and responsible gaming environment is paramount. We are legally obligated to verify the identity of our players. This process, known as Know Your Customer or KYC, is a fundamental requirement imposed by our licensing authority and international anti-money laundering (AML) regulations. Identity verification protects you, our platform, and the wider financial system from fraud, underage gambling, and financial crime. By confirming who you are, we can ensure that funds are handled legitimately, withdrawals reach the correct individual, and our services are not exploited for illicit purposes. Your cooperation in this essential process helps us uphold the highest standards of integrity and security.

KYC, or Know Your Customer, refers to the mandatory process of identifying and verifying the identity of our customers. It involves collecting and scrutinizing personal information and documentation to confirm who you are. This process is not unique to Spinko, it is standard practice across regulated financial services and online gaming industries worldwide. The primary objectives of KYC are to:

• Prevent identity theft and financial fraud.
• Comply with anti-money laundering (AML) and counter-terrorist financing (CTF) laws.
• Ensure that all players are of legal gambling age.
• Promote responsible gambling by identifying and supporting vulnerable players.
• Maintain the integrity of our gaming platform and protect our operational licenses.

By implementing robust KYC procedures, Spinko ensures a safe and compliant environment for all users.

Identity verification is an ongoing process that may be triggered at various stages of your interaction with Spinko. While we strive to make this as unobtrusive as possible, certain events necessitate immediate action. You will typically be asked to complete verification:

• Upon Registration: Basic checks may be performed using the information you provide during account creation.
• Before Your First Withdrawal: To comply with AML regulations and ensure funds are returned to the rightful owner.
• When Reaching Specific Transaction Thresholds: Cumulative deposits or withdrawals exceeding certain limits will trigger verification.
• Following Suspicious Activity: Any unusual account behavior, such as large deposits, frequent withdrawals, or changes in payment methods, may prompt a request for verification.
• Periodically: We may conduct routine re-verification checks to ensure your information remains current and accurate, in line with regulatory requirements.
• If Information Changes: Should you update personal details like your address or name, re-verification may be necessary.

Spinko reserves the right to request verification at any time, at its sole discretion, to ensure compliance with legal obligations.

To complete the verification process, Spinko typically requires documentation to confirm your identity, address, and ownership of payment methods. The specific documents requested will depend on the information we need to verify and the level of risk associated with your account. Generally, you should be prepared to provide clear, legible copies or photographs of the following:

• Proof of Identity: A government-issued identification document.
• Proof of Address: A recent utility bill or bank statement.
• Proof of Payment Method: Evidence of ownership for the deposit and withdrawal methods used.

All documents must be valid, unexpired, and clearly show all relevant details. We will provide secure methods for you to upload these documents directly through your Spinko account.

For proof of identity, we require a valid, government-issued photographic identification document. This document must clearly show your full name, date of birth, photograph, signature, and the document's expiry date. Accepted forms of identification include:

• Passport: The full photo page.
• National Identity Card: Both the front and back sides.
• Driving Licence: Both the front and back sides.

The document must be unexpired and all details must be clearly visible. Blurry or obscured images will not be accepted. The name on your identity document must precisely match the name registered on your Spinko account.

To verify your residential address, we require a document issued within the last three months that clearly displays your full name and current residential address. The name and address on this document must match the details registered on your Spinko account. Accepted forms of proof of address include:

• Utility Bill: Such as electricity, gas, water, or internet bill (mobile phone bills are generally not accepted).
• Bank Statement: From a recognized financial institution.
• Credit Card Statement: From a recognized financial institution.
• Government-Issued Correspondence: For example, a tax statement.

The document must be dated within the last three months. We cannot accept documents that are older than this timeframe. Ensure all four corners of the document are visible in the image and that all text is legible.

To prevent fraud and comply with AML regulations, we require verification of the payment methods you use for deposits and withdrawals. The specific requirements vary depending on the payment method:

• Credit/Debit Cards: We require a clear image of the front of the card, showing the first six and last four digits of the card number, your name, and the expiry date. For security reasons, 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 profile page, clearly showing your name and the email address or account ID linked to the e-wallet. The email address must match the one registered with Spinko.
• Bank Transfers: A copy of a bank statement or an online banking screenshot showing your name, account number, and the bank's logo. Transaction details can be obscured if they do not relate to Spinko.

Proof of payment method ensures that you are the legitimate owner of the funds being transacted. Any discrepancies may lead to delays or account suspension.

In certain circumstances, particularly for high-value transactions or if we identify unusual activity, Spinko may be required to conduct Enhanced Due Diligence (EDD) and request proof of your Source of Funds (SOF) or Source of Wealth (SOW). This is a regulatory requirement designed to combat money laundering and terrorist financing. You may be asked to provide documentation demonstrating how you acquired the funds used for gambling. Examples of SOF/SOW documentation include:

• Payslips or employment contracts.
• Bank statements showing regular income.
• Tax returns.
• Proof of inheritance or gift.
• Documentation related to property sales or business profits.

This information is handled with the utmost confidentiality and is solely used to meet our legal and regulatory obligations. Your cooperation in providing this sensitive information helps us maintain a secure and compliant gaming environment.

Once you submit your documents, the Spinko verification team will review them. Our goal is to complete the verification process as quickly and efficiently as possible. Here is an overview of the typical process and timeframes:

• Submission: Documents should be uploaded via the secure portal in your Spinko account. Ensure images are clear, uncropped, and legible.
• Initial Review: Our team will conduct an initial check to confirm the documents meet our basic requirements. This usually takes between 24 to 48 hours.
• Processing: If documents are satisfactory, they will be processed and your account status updated.
• Further Information: If documents are unclear, expired, or additional information is required, we will contact you via email or through your account notifications. This may prolong the process.
• Completion: You will receive a confirmation once your account has been fully verified.

While we aim to complete verification within 72 hours, complex cases or high volumes may lead to longer processing times. We appreciate your patience during this essential security procedure.

Spinko is committed to protecting your personal information and documents. We employ robust security measures, including encryption and secure data storage, to safeguard the data you provide. All documents are uploaded via secure, encrypted connections. Access to your personal data is strictly limited to authorized personnel who require it to perform their duties, such as our verification and compliance teams. We adhere to the principles of the General Data Protection Regulation (GDPR) and other applicable data protection laws. Your documents will not be shared with third parties except where legally required, for example, with our licensing authority or law enforcement agencies. We retain documents for the period mandated by regulatory requirements, after which they are securely disposed of. For more details, please refer to our Privacy Policy.

Spinko operates under a strict anti-money laundering (AML) policy, which is a cornerstone of our operational integrity. Our AML framework is designed to prevent our platform from being used for illegal activities such as money laundering, terrorist financing, and fraud. The KYC process is an integral part of this framework. We monitor transactions and player behavior for suspicious patterns. Any activity deemed suspicious will be investigated and, if necessary, reported to the relevant authorities, as required by law. By complying with AML regulations, Spinko contributes to the global effort to combat financial crime, ensuring a safer environment for all our players and the broader financial system. Our commitment to AML compliance is unwavering.

Underage gambling is strictly prohibited at Spinko. We are legally obliged to ensure that all our players are at least 18 years of age, or the legal age for gambling in their jurisdiction, whichever is higher. Age verification is a critical component of our KYC process. During registration, you must confirm that you meet the minimum age requirement. Our verification procedures, including the request for government-issued identification, are designed to confirm your age accurately. Any attempt by a minor to register or gamble on Spinko will result in immediate account closure and forfeiture of any winnings. We are dedicated to protecting minors and promoting responsible gambling practices. If you suspect that a minor is using our platform, please contact our support team immediately.

While we strive for a smooth verification process, delays or unsuccessful outcomes can occur. If your verification is delayed, it may be due to:

• Unclear Documents: Images that are blurry, cut off, or illegible.
• Expired Documents: Submitting an out-of-date ID or address proof.
• Mismatched Information: Discrepancies between document details and your Spinko account information.
• Additional Information Required: We may need further clarification or different documents.
• High Volume: During peak times, processing can take longer.

If your verification is unsuccessful, we will inform you of the reasons and guide you on how to resubmit or rectify the issues. Failure to complete verification within a specified timeframe may result in restrictions on your account, such as inability to deposit, withdraw, or play, and ultimately, account closure. We encourage you to respond promptly to any requests for information to avoid service interruptions.

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

• Live Chat: Available directly on the Spinko website for immediate assistance.
• Email: Send your queries to our support email address, and we will respond as soon as possible.

When contacting support regarding verification, please have your account details ready. Our team is trained to guide you through each step, ensuring your verification process is as straightforward as possible. Your cooperation is greatly appreciated as it helps us maintain a secure and compliant gaming environment for everyone at Spinko.