KYC and Verification

At Spinko, maintaining a secure and trustworthy environment for all our players is paramount. Identity verification, a process commonly known as Know Your Customer (KYC), is a fundamental requirement for all licensed online gambling operators. This process is not merely a formality, it is a critical measure designed to protect you, Spinko, and the wider financial system from fraud, money laundering, and other illicit activities. By confirming your identity, we ensure that you are of legal gambling age, that your funds are legitimate, and that your account remains secure from unauthorised access. This commitment to security underpins our operations and helps us provide a safe, fair, and responsible gaming experience.

KYC, or Know Your Customer, refers to the mandatory process of identifying and verifying the identity of our customers. This involves collecting and reviewing specific documentation to confirm who you say you are. The primary objectives of KYC at Spinko are:

• Preventing Fraud: Ensuring that accounts are not opened or operated using stolen identities or false information.
• Combating Money Laundering: Detecting and deterring attempts to use our platform for processing illegally obtained funds.
• Ensuring Responsible Gaming: Verifying age to prevent underage gambling and supporting self-exclusion measures.
• Complying with Regulations: Adhering to the strict anti-money laundering (AML) and counter-terrorism financing (CTF) laws imposed by our licensing authority and relevant financial regulators.

Spinko takes its regulatory obligations seriously, and our KYC procedures are regularly reviewed and updated to meet the highest standards.

Identity verification is an ongoing process that may be triggered at several points during your relationship with Spinko. While we strive to make this process as unobtrusive as possible, it is essential for maintaining the integrity of our platform. You may be asked to complete verification:

• Upon Registration: To confirm your basic details and age.
• Before Your First Withdrawal: This is a standard security measure to ensure funds are paid to the rightful account holder.
• When Reaching Certain Deposit or Withdrawal Thresholds: Regulatory requirements often mandate enhanced checks for larger transactions.
• If There Are Changes to Your Account Information: Such as a change of address or payment method.
• Periodically: We may conduct routine re-verification checks to ensure your information remains current and accurate.
• If Suspicious Activity Is Detected: Any unusual patterns of play or transactions will trigger an immediate review and potential verification request.

We will always notify you promptly if verification is required and provide clear instructions on the necessary steps.

To complete the verification process, Spinko typically requests specific types of documents. These documents help us confirm your identity, address, and ownership of payment methods. All submitted documents must be clear, legible, and current, with no essential information obscured or cut off. We reserve the right to request additional documentation if the initial submissions are insufficient or if further clarity is needed.

To verify your identity, we generally require a 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 include:

• A valid Passport (recommended for fastest processing).
• A valid National Identity Card.
• A valid Driving Licence (both front and back).

The document must be current and not expired. We may ask for a "selfie" holding your ID for enhanced security checks, particularly if there are discrepancies or concerns about the document's authenticity.

To confirm your residential address, we require a document issued within the last three months that clearly displays your full name and current address. Please ensure the document is not older than 90 days from the date of issue. Acceptable forms of proof of address include:

• A recent utility bill (e.g., electricity, water, gas, internet, landline phone bill). Mobile phone bills are generally not accepted.
• A recent bank statement or credit card statement.
• A government-issued letter or tax statement.

The document must be an official statement, not a screenshot from an online account, unless specifically requested and accompanied by further verification.

To ensure the security of your transactions and to comply with anti-money laundering regulations, we also verify the payment methods used on your Spinko account. This process confirms that you are the legitimate owner of the funds being deposited or withdrawn. The specific documents required will depend on the payment method used:

• Credit/Debit Cards: A clear photo of the front and back of the card. For security, please obscure the middle six digits of the long card number on the front and the CVV/CVC code on the back. Your name, the first six and last four digits of the card number, and the expiry date must remain visible.
• E-Wallets (e.g., Skrill, Neteller, PayPal): A screenshot of your e-wallet account profile page clearly showing your name, email address, and the account ID. The screenshot should also show a recent transaction to or from Spinko.
• Bank Transfers: A copy of a recent bank statement (within the last three months) showing your name, bank account number, and a transaction to or from Spinko.

If you use multiple payment methods, we may require verification for each one.

In certain circumstances, particularly for larger transactions or if regulatory triggers are met, Spinko may be required to request information regarding your Source of Funds (SOF) or Source of Wealth (SOW). This is part of our Enhanced Due Diligence (EDD) procedures and is a legal obligation to prevent money laundering and terrorist financing. This may involve providing documents that demonstrate how you acquired your wealth or the origin of the funds you are using to gamble. Examples of such documents could include:

• Bank statements showing accumulated savings.
• Payslips or employment contracts.
• Proof of inheritance or sale of property.
• Company accounts or dividend statements.

Any request for SOF/SOW information will be handled with the utmost discretion and confidentiality, and we will provide clear guidance on what is required.

Once you submit your documents, our dedicated verification team will review them promptly. We aim to complete most verifications within 24-48 hours, although this timeframe may be extended during peak periods or if further information is required. You will receive email notifications regarding the status of your verification. If your documents are unclear or insufficient, we will inform you of the specific reasons and request new submissions. To expedite the process, please ensure your documents meet all the requirements outlined above before uploading them.

Spinko is committed to protecting your personal data. All documents and information you provide for verification purposes are handled with the highest level of security and confidentiality. We employ robust encryption technologies and strict data protection protocols to safeguard your data against unauthorised access, disclosure, alteration, or destruction. Your documents are stored securely in compliance with GDPR and other relevant data protection regulations. We will only retain your documents for as long as legally required and will dispose of them securely thereafter.

Spinko operates under a strict anti-money laundering (AML) policy, which forms a core part of our regulatory compliance. Our KYC procedures are integral to this policy, designed to detect and prevent activities associated with money laundering and terrorist financing. We monitor transactions and account behaviour for any suspicious patterns. If we identify any activity that raises AML concerns, we are legally obliged to report it to the relevant authorities, which may include suspending your account and freezing funds until investigations are complete. Our commitment to AML compliance ensures a secure and legitimate gaming environment for everyone.

Underage gambling is strictly prohibited at Spinko. A critical aspect of our verification process is confirming that all our players are at least 18 years old, or the legal age for gambling in their jurisdiction, whichever is higher. We employ sophisticated age verification tools and procedures to prevent minors from accessing our services. Any account found to belong to an underage individual will be immediately closed, winnings will be voided, and deposits returned where legally permissible. We encourage parents and guardians to use filtering software to prevent minors from accessing gambling websites.

While we strive for efficient verification, delays can occur. Common reasons for delays include unclear or expired documents, mismatched information, or the need for additional documentation. If your verification is delayed, please check your email for any requests from our team. If verification is ultimately unsuccessful, it means we have been unable to confirm your identity or comply with our regulatory obligations. In such cases, your account may be restricted, and withdrawals may be suspended until the issues are resolved. We will always communicate the reasons for unsuccessful verification and provide guidance on potential next steps.

If you have any questions about the KYC process, require assistance with uploading documents, or need clarification on any verification requests, our customer support team is available to help. You can reach us via live chat, email, or by consulting our comprehensive FAQ section. We understand that verification can sometimes feel intrusive, but it is a necessary step to ensure a safe and compliant gaming experience at Spinko. We appreciate your cooperation and understanding in helping us maintain the highest standards of security and integrity.