KYC and Verification

At Spinko, maintaining a secure, fair, and responsible gaming environment is paramount. We are legally obligated and committed to verifying the identity of our players. This process, known as Know Your Customer (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 only eligible individuals participate in our games and that all transactions are legitimate.

KYC, or Know Your Customer, refers to the mandatory process of identifying and verifying the identity of clients when opening an account and periodically thereafter. It involves collecting and assessing personal information and documentation. For Spinko, this means understanding who our players are, where their funds originate, and ensuring their activities align with legal and regulatory standards. This due diligence helps us mitigate risks associated with financial crime, including money laundering and terrorist financing. Our KYC procedures are designed to be thorough yet as efficient as possible, respecting your privacy while fulfilling our compliance duties.

Identity verification is an ongoing process at Spinko, triggered at various stages of your interaction with our platform. Typically, initial verification occurs upon registration or before your first withdrawal. However, we may request further documentation at any time, especially if:

• Your cumulative deposits or withdrawals reach a certain threshold.
• There are changes to your personal information, such as address or payment methods.
• We detect unusual or suspicious activity on your account.
• New regulatory requirements are introduced.
• Periodically, as part of our routine compliance reviews, even if no specific trigger event has occurred.

Proactive verification helps prevent potential issues and ensures uninterrupted access to Spinko's services.

To complete our verification checks, we typically require specific documents. These are categorised into proof of identity, proof of address, and sometimes proof of payment method or source of funds. The exact documents requested may vary based on your jurisdiction, the information you have provided, and the specific circumstances. We aim to keep requests to a minimum while satisfying our regulatory obligations.

To confirm your identity, we generally require a clear, colour copy of one of the following valid, government-issued photographic identification documents:

• Passport: The full double-page spread, including the machine-readable zone.
• National Identity Card: Both the front and back of the card.
• Driving Licence: Both the front and back of the card.

The document must be current, not expired, and clearly show your full name, date of birth, photograph, signature, and document expiry date. All four corners of the document must be visible, and the image must be of high resolution, free from glare or obstruction.

To verify your residential address, we typically need a recent document, issued within the last three months, that clearly displays your full name and current residential address. Acceptable documents include:

• Utility bill (e.g., electricity, water, gas, internet, landline phone bill, but not mobile phone bills).
• Bank statement or credit card statement (physical or electronic, but must show the bank's logo).
• Government-issued correspondence (e.g., tax statement, council tax bill).

The document must be dated within the last 90 days. Screenshots of online statements are acceptable provided they show the full document, including the issuer's logo and your personal details. PO Box addresses are not accepted as proof of residence.

To ensure that the payment methods used on your Spinko account belong to you and to prevent unauthorised use, we may request verification of your deposit and withdrawal methods. Examples include:

• Credit/Debit Cards: A clear photo of the front of the card showing your name, the first six and last four digits of the card number, and the expiry date. For security, please obscure the middle eight digits and the CVV/CVC code on the back.
• Bank Statements: A recent bank statement showing your name, account number, and transactions to/from Spinko.
• E-wallet Accounts (e.g., Skrill, Neteller): A screenshot of your e-wallet account profile page showing your registered email address and full name.

This verification step is crucial for financial security and compliance with anti-fraud measures.

In certain circumstances, particularly when transactions are of a significant value or exhibit unusual patterns, Spinko is 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 to prevent money laundering and ensure that funds used for gambling activities are legitimately obtained. Documents that may be requested include:

• Payslips or employment contracts.
• Bank statements showing accumulated savings.
• Proof of inheritance or gift.
• Documents relating to property sales or business income.

Any information provided will be treated with the strictest confidentiality and used solely for compliance purposes. We understand that these requests can be intrusive, but they are essential for maintaining a safe and compliant gaming environment for all Spinko players.

Once you submit your documents, our dedicated verification team will review them. We strive to process all submissions as quickly as possible. Typically, verification can take between 24 and 72 hours, depending on the volume of requests and the clarity of the documents provided. You will be notified via email once your documents have been reviewed and your account status updated. If further information or clearer documents are needed, we will contact you with specific instructions. To expedite the process, please ensure all submitted documents meet the specified criteria and are clearly legible.

Spinko takes the security and privacy of your personal data very seriously. All documents and personal information submitted for verification are handled in strict accordance with our Privacy Policy and applicable data protection regulations, including GDPR. Your data is stored securely using advanced encryption technologies and access is restricted to authorised personnel only. We do not share your personal information with third parties for marketing purposes. The information is retained only for as long as necessary to fulfil our legal and regulatory obligations.

Spinko operates under stringent anti-money laundering (AML) laws and regulations. Our KYC procedures are a cornerstone of our AML compliance framework. We are committed to preventing our platform from being used for illicit activities, such as money laundering or terrorist financing. By verifying identities, monitoring transactions, and reporting suspicious activities to the relevant authorities, we contribute to the global fight against financial crime. We reserve the right to suspend or close accounts and withhold funds if we suspect any AML breaches or fraudulent activity.

Underage gambling is strictly prohibited at Spinko. A critical aspect of our identity verification process is age verification. We are legally required to confirm that all our players are 18 years of age or older, or the legal age for gambling in their jurisdiction, whichever is higher. Any account found to belong to a minor will be immediately closed, and any winnings confiscated. We employ robust age verification tools and procedures to prevent minors from accessing our services, reinforcing our commitment to responsible gaming and child protection.

While we aim for a smooth verification process, delays can sometimes occur. This may happen if the documents provided are unclear, expired, incomplete, or do not meet our requirements. If your verification is unsuccessful, we will explain the reasons and guide you on what steps to take next. It is crucial to respond promptly to any requests for additional information to avoid prolonged delays or account restrictions. Failure to complete verification within a reasonable timeframe may result in account suspension or closure, and the inability to withdraw funds.

If you have any questions about the KYC process, need assistance with submitting documents, or encounter any issues during verification, our customer support team is here to help. You can reach us via live chat or email. Please provide as much detail as possible when contacting us, including your username, so we can assist you efficiently. Our team is trained to guide you through each step and ensure a clear understanding of our requirements. We are committed to making your experience at Spinko as straightforward and secure as possible.