KYC and Verification

At Spinko, maintaining a secure, fair, 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. This process is not merely a formality, it is a critical measure designed to protect you, Spinko, and the wider financial system from illicit activities. By confirming your identity, we prevent fraud, combat money laundering, ensure compliance with regulatory obligations, and uphold our licensing requirements. This ultimately safeguards your funds, your personal information, and the integrity of our platform. We understand that this process requires your cooperation, and we strive to make it as straightforward and efficient as possible.

KYC, or Know Your Customer, refers to the mandatory process of identifying and verifying the identity of our customers. This is a standard practice across regulated industries, including online gaming, banking, and financial services. For Spinko, it involves collecting and confirming specific personal information and documentation from you. The primary objectives of our KYC procedures are:

• To prevent identity theft and fraudulent account creation.
• To ensure that players are of legal gambling age.
• To comply with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations.
• To facilitate responsible gambling practices and identify potential issues.
• To protect Spinko from financial crime and maintain our operational integrity.

Our KYC framework is aligned with the requirements set forth by our licensing authority and relevant data protection laws, including the General Data Protection Regulation (GDPR), ensuring your data is handled with the utmost care and security.

Spinko is legally obligated to verify the identity of its players at various stages of their interaction with our platform. While we may conduct initial checks upon registration, full verification is typically required in the following circumstances:

• Upon Registration: We may request basic identity details during the account creation process to conduct preliminary checks.
• Before First Withdrawal: To ensure that funds are paid to the rightful owner and to comply with AML obligations, full identity verification is mandatory before your first withdrawal can be processed.
• When Reaching Certain Thresholds: If your cumulative deposits or withdrawals exceed specific regulatory limits, or if your account activity triggers internal risk assessments, further verification will be required.
• Changes to Account Information: If you update critical personal details, such as your name or address, we may need to re-verify your identity.
• Suspicious Activity: Any activity deemed unusual or suspicious, in line with our AML policies, will prompt immediate verification requests.
• Periodic Reviews: We conduct ongoing monitoring and periodic reviews of customer accounts. This means you may be asked to re-verify your identity or provide updated documents even if you have previously completed the process.

To complete the verification process, you will typically be asked to provide clear, legible copies of specific documents. These documents help us confirm your identity, address, and the legitimacy of your payment methods. All documents must be valid, unexpired, and show all relevant details clearly. Depending on the specific checks required, you may need to provide one or more of the following:

• Proof of Identity
• Proof of Address
• Proof of Payment Method
• Source of Funds documentation

We will provide clear instructions on how to submit these documents securely through your Spinko account or via our dedicated support channels.

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

• Passport: A clear copy of the photo page.
• National Identity Card: A clear copy of both the front and back of the card.
• Driving Licence: A clear copy of both the front and back of your full driving licence.

The document provided must be current and not expired. We may also require a "selfie" holding your ID document to further confirm that you are the legitimate owner of the document and 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. Post office boxes are not acceptable as a residential address. Acceptable forms of Proof of Address include:

• Utility Bill: Such as electricity, gas, water, or internet bill. Mobile phone bills are typically not accepted.
• Bank Statement: A statement from a recognised financial institution.
• Credit Card Statement: A statement from a recognised financial institution.
• Government-Issued Correspondence: Such as a tax statement or official letter from a government body.

The document must be dated within the last 90 days and clearly show the issuer's logo or name. Screenshots of online statements are generally acceptable, provided they show the full document and all relevant details.

To ensure the security of financial transactions and prevent fraud, we also verify the payment methods used to deposit and withdraw funds from your Spinko account. The specific documents required will depend on the payment method you use:

• Credit/Debit Cards: We may request a copy of the front and back of the card. For security, please obscure the middle eight digits of the long card number on the front and the CVV/CVC code on the back. The first six and last four digits of the card number, your name, and the expiry date must remain visible.
• E-Wallets (e.g., Skrill, Neteller, PayPal): We may require a screenshot of your e-wallet account page showing your full name, email address, and account ID, confirming ownership.
• Bank Transfers: A copy of a bank statement showing the account holder's name, bank name, account number, and recent transactions to or from Spinko.

This verification step helps us confirm that you are the legitimate owner of the payment method and that it has not been used fraudulently.

In accordance with our regulatory obligations, particularly those related to Anti-Money Laundering (AML), Spinko may, in certain circumstances, be required to request information and documentation regarding your Source of Funds (SOF) or Source of Wealth (SOW). This is part of an Enhanced Due Diligence (EDD) process, which is typically triggered by high-value transactions, unusual account activity, or other risk factors identified by our compliance team. The purpose of this is to understand the origin of the funds you are using to gamble and to ensure they are legitimate. Documents that may be requested include, but are not limited to:

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

We understand that these requests are highly sensitive and assure you that all information provided will be treated with the strictest confidence and used solely for compliance purposes. Your cooperation in these instances is crucial for us to continue providing our services.

Once you submit your documents, our dedicated verification team will review them. The process generally involves these steps:

1. Submission: Upload your documents securely through the designated section in your Spinko account or email them to our support team as instructed.
2. Review: Our team will meticulously check the documents for clarity, validity, and consistency with your account information.
3. Approval/Further Information: If the documents meet our requirements, your account will be verified. If there are any issues, such as unclear images or expired documents, we will contact you to request additional or replacement documents.

We aim to process all verification requests as quickly as possible. Typically, document review is completed within 24-48 hours. However, during peak times or if further information is required, it may take longer. We appreciate your patience during this process. You will be notified via email or through your Spinko account once your verification status has been updated.

Spinko is committed to protecting your personal data. All documents and information you provide for verification purposes are handled in strict compliance with data protection laws, including GDPR. We employ robust security measures, including encryption and secure storage protocols, to prevent unauthorised access, disclosure, alteration, or destruction of your personal data. Access to your documents is restricted to authorised personnel only, who are trained in data protection and privacy. We do not share your verification documents with third parties unless legally required to do so by our licensing authority or other relevant regulatory bodies. Your trust is important to us, and we take every precaution to ensure the confidentiality and integrity of your information.

As a regulated online gaming operator, Spinko is legally obliged to adhere to strict Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations. Our KYC and verification procedures are integral to our AML compliance framework. By verifying your identity and, where necessary, your source of funds, we actively deter and detect activities associated with money laundering and other financial crimes. This commitment protects Spinko from being used as a conduit for illegal funds and contributes to the global effort to combat financial crime. We continuously monitor transactions and account activity for any suspicious patterns, and we report any concerns to the relevant authorities, as required by law. Your cooperation in our verification processes directly supports these vital efforts.

Gambling is strictly prohibited for individuals under the legal gambling age. Spinko is committed to preventing underage gambling. Our age verification procedures are a critical component of our responsible gaming policy. During registration, you must confirm that you are of legal gambling age. Our verification process then requires you to provide official identification that confirms your date of birth. If we cannot verify your age to our satisfaction, your account will be suspended, and any winnings will be forfeited. We may also conduct additional checks using third-party age verification services. We encourage parents and guardians to utilise filtering software to prevent minors from accessing gambling websites. Protecting minors is a non-negotiable responsibility for Spinko.

While we strive for prompt verification, there may be instances where the process is delayed or unsuccessful. Common reasons for delays include:

• Unclear or Incomplete Documents: Documents that are blurry, cut off, or missing required information will delay the process.
• Expired Documents: Using an expired ID or proof of address will result in rejection.
• Mismatched Information: If the details on your documents do not match the information registered on your Spinko account.
• Unusual Activity: If your account activity triggers additional security checks, this may extend the verification timeframe.

If your verification is unsuccessful or significantly delayed, our support team will contact you with specific reasons and instructions on how to resolve the issue. It is important to respond promptly to these requests to avoid account restrictions, including the inability to deposit, withdraw, or play. Failure to complete verification within a reasonable timeframe may lead to account suspension or closure, as per our Terms and Conditions.

We understand that the verification process can sometimes raise questions or require assistance. Our dedicated customer support team is available to help you through every step. If you have any queries about which documents to provide, how to upload them, or the status of your verification, please do not hesitate to contact us. You can reach our support team via:

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

When contacting support regarding verification, please have your account details ready to help us assist you more efficiently. Your cooperation ensures a smooth and secure gaming experience at Spinko.