KYC and Verification

At Spinko, maintaining a secure, fair, and responsible gaming environment is paramount. Identity verification, often referred to as Know Your Customer (KYC), is a fundamental part of our commitment to these principles. We verify your identity to comply with legal and regulatory obligations imposed by our licensing authority and international anti-money laundering (AML) laws. This process helps prevent fraud, money laundering, and underage gambling, protecting both our platform and our players. By confirming your identity, we ensure that funds are handled legitimately and that our services are not misused for illicit activities. This commitment to verification underpins the trust and integrity of the Spinko community.

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 are. It is a standard procedure across regulated financial services and online gaming industries worldwide. For Spinko, KYC is not merely a formality, it is a critical operational requirement that safeguards against financial crime and ensures compliance with strict regulatory standards. The information gathered during KYC is treated with the utmost confidentiality and processed in accordance with our Privacy Policy and General Data Protection Regulation (GDPR) principles.

Identity verification may be triggered at various stages of your relationship with Spinko. Typically, it is required:

• Upon registration: To confirm your age and identity before you can make deposits or place bets.
• Before your first withdrawal: To ensure that funds are being paid to the rightful account holder and to prevent fraud.
• When deposits or withdrawals exceed certain thresholds: Regulatory requirements mandate additional checks for larger transactions.
• If there are changes to your account details: To verify that the changes are legitimate and authorised.
• If your gaming activity or transaction patterns appear unusual: As part of our ongoing fraud prevention and AML monitoring.
• Periodically: We may conduct re-verification checks to ensure that the information we hold remains accurate and up-to-date.

Spinko reserves the right to request verification at any time if we deem it necessary for security or compliance reasons.

To complete the verification process, you may be asked to provide several types of documents. These are generally categorised into proof of identity, proof of address, and proof of payment method. All documents must be clear, legible, current, and show all relevant details. Copies must be of the original documents, not copies of copies. We will inform you specifically which documents are required for your particular case.

For proof of identity, we require a government-issued photographic identification document. This helps us confirm your name, date of birth, and photographic likeness. Acceptable forms of identification include:

• Passport: A full, unexpired passport showing your photograph, full name, date of birth, place of birth, and signature.
• National Identity Card: A valid national ID card displaying your photograph, full name, date of birth, and signature.
• Driving Licence: A current, full driving licence (both front and back) showing your photograph, full name, and date of birth. Provisional licences may not be accepted in all jurisdictions.

The document must not be expired and all four corners of the document must be visible in the image provided.

Proof of address is required to confirm your residential location. Documents provided for this purpose must be dated within the last three months (unless otherwise specified) and clearly display your full name and address. Acceptable documents include:

• Utility Bill: Such as electricity, gas, water, or landline telephone bill. Mobile phone bills are generally not accepted.
• Bank Statement: A statement from a recognised financial institution. Credit card statements are also acceptable.
• Government-Issued Correspondence: For example, a tax statement or official letter from a government agency.

The document must clearly show the issuing authority's logo or name, your full name, your residential address, and the date of issue. PO Box addresses are not accepted as proof of residence.

To ensure the security of your transactions and to prevent unauthorised use of payment instruments, we may require verification of your deposit and withdrawal methods. The specific documents needed will depend on the payment method used:

• 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. Your name, the first six, and the 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 page showing your name, email address, and account ID.
• Bank Transfers: A copy of a bank statement or a screenshot from your online banking portal showing your name, account number, and the bank's logo.

This verification step helps confirm that you are the legitimate owner of the payment method used on your Spinko account.

In certain circumstances, particularly for high-value transactions or if regulatory flags are raised, Spinko may be required to conduct Enhanced Due Diligence (EDD) and request information regarding your source of funds (SOF) or source of wealth (SOW). This is a regulatory requirement to combat money laundering and terrorist financing. We may ask for documents that substantiate the origin of your funds, such as:

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

Any information provided for SOF/SOW will be handled with strict confidentiality and used solely for compliance purposes. Our aim is to understand the legitimate origins of the funds you use on our platform, ensuring a safe and compliant environment for all Spinko players.

Once you submit your documents, our dedicated verification team will review them. We strive to process all verification requests as quickly as possible. The typical timeframe for document review is within 24 to 72 hours, though this can vary depending on the volume of requests and the clarity of the documents provided. You will be notified via email or through your Spinko account once your documents have been reviewed and your verification status updated. If additional information or clearer copies are needed, our team will reach out to you with specific instructions.

Spinko takes the security and privacy of your personal information extremely seriously. All documents and data collected during the KYC process are stored securely in compliance with GDPR and other relevant data protection laws. We employ advanced encryption technologies and strict access controls to protect your data from unauthorised access, alteration, disclosure, or destruction. Your documents are used solely for identity verification, regulatory compliance, and fraud prevention purposes. We do not share your personal data with third parties for marketing purposes.

Spinko operates under a strict Anti-Money Laundering (AML) policy designed to prevent our services from being used for illegal activities. Our KYC procedures are a cornerstone of this policy. We are legally obligated to report suspicious transactions and activities to the relevant authorities. By conducting thorough identity verification, monitoring transaction patterns, and, where necessary, requesting source of funds information, we actively contribute to the global fight against financial crime. This commitment ensures that Spinko remains a secure and trustworthy platform.

Underage gambling is strictly prohibited. As part of our commitment to responsible gaming, age verification is a critical component of our KYC process. We verify the age of all our players to ensure that only individuals who are of legal gambling age in their jurisdiction (which is 18 years or older in most cases) can access and use Spinko's services. Any account found to belong to a minor will be immediately closed, and any winnings forfeited. We employ robust systems to detect and prevent underage gambling, protecting vulnerable individuals from the risks associated with it.

Occasionally, verification may be delayed or unsuccessful. This can happen for several reasons, such as:

• Documents being unclear, expired, or incomplete.
• Discrepancies between the information provided during registration and the documents.
• Technical issues with document submission.
• The need for additional information or enhanced due diligence.

If your verification is delayed, please check your email for any communications from Spinko requesting further action. If it is unsuccessful, we will explain the reasons and guide you on how to resubmit or provide alternative documentation. Failure to complete verification within a reasonable timeframe may result in restrictions being placed on your account, including suspension of withdrawals or account closure, in accordance with our Terms and Conditions and regulatory obligations.

If you have any questions about the KYC process, require assistance with submitting your documents, or encounter any issues during verification, our 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 our support address, and we will respond promptly.

Our team is trained to guide you through each step of the verification process, ensuring a smooth and understanding experience. We are committed to making your experience at Spinko as secure and enjoyable as possible.