KYC and Verification

At Spinko, maintaining a secure, fair, and responsible gaming environment is paramount. We are committed to preventing fraud, money laundering, and underage gambling. Verifying your identity is a crucial step in fulfilling these commitments. It ensures that your account is genuinely yours, protects your funds, and allows us to comply with the stringent regulatory requirements set by our licensing authority. This process, known as Know Your Customer or KYC, is a standard practice across all reputable online gaming platforms.

By verifying your identity, we can confirm you meet the legal age requirements for gambling in your jurisdiction and that you are not using our services for illicit activities. This protects not only Spinko but also our entire community of players, fostering trust and integrity.

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 personal documentation. The objective is to assess potential risks associated with financial crime, such as money laundering and terrorist financing, and to ensure compliance with anti-money laundering (AML) regulations. For Spinko, KYC is an ongoing process, not a one-time event, reflecting our commitment to security and regulatory adherence throughout your journey with us.

This process helps us understand who our customers are, what their financial activities might involve on our platform, and ensures that we operate within legal and ethical boundaries. It is a cornerstone of responsible gaming operations.

Identity verification is typically initiated at several key points during your time with Spinko:

• Upon Registration: While you may be able to deposit and play immediately after creating your account, we often perform preliminary checks. Full verification may be requested shortly after registration or upon your first withdrawal request.
• First Withdrawal Request: To ensure funds are returned to the rightful account holder, we almost always require full identity verification before processing your first withdrawal.
• Cumulative Deposits or Withdrawals Exceeding Thresholds: Regulatory guidelines mandate verification once certain financial thresholds are met, either through total deposits or withdrawals over a period.
• Suspicious Activity: If our monitoring systems detect unusual or potentially fraudulent activity on your account, we will request verification to protect your account and comply with AML regulations.
• Periodic Reviews: We conduct periodic reviews of customer accounts to ensure the information we hold remains accurate and up-to-date, especially if your details change or if there are changes in regulatory requirements.
• Changes in Account Details: Should you update significant personal information, such as your address, we may require re-verification.

To complete the verification process, Spinko may request various documents. These are generally categorised into proof of identity, proof of address, and sometimes proof of payment method or source of funds. All documents must be clear, legible, and valid, meaning they are not expired.

We may ask for scanned copies or high-quality photographs of these documents. Please ensure all four corners of the document are visible, and there is no glare or obstruction.

To confirm your identity, we typically require one of the following official government-issued photo identification documents:

• Passport: A full, uncropped copy of the photo page, showing your photograph, full name, date of birth, place of birth, nationality, signature, issue date, and expiry date.
• National Identity Card: Both the front and back of your national ID card, displaying all relevant details clearly.
• Driver's Licence: Both the front and back of your driver's licence, ensuring your photograph, full name, date of birth, issue date, and expiry date are visible.

The name on your identification document must exactly match the name registered on your Spinko account.

To verify your residential address, we require a document issued within the last three months (unless otherwise stated) that clearly shows your full name and current residential address. Acceptable documents include:

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

The name and address on the document must match the details registered on your Spinko account.

Depending on the payment methods you use, we may need to verify that you are the legitimate owner of those methods. This is to prevent unauthorised use and protect your funds. Examples include:

• Credit/Debit Cards: 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 be visible.
• E-Wallets (e.g., Skrill, Neteller): A screenshot of your e-wallet account profile page, clearly showing your name and email address associated with the account.
• 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.

The name on the payment method must correspond with the name registered on your Spinko account.

In certain circumstances, particularly when transactions involve significant amounts, or if there are indications of higher risk, Spinko may be legally required to request information regarding your source of funds (SOF) or source of wealth (SOW). This falls under Enhanced Due Diligence (EDD) procedures.

This request is not a reflection of suspicion on your part but a regulatory obligation to combat money laundering and terrorist financing. Documents requested might include:

• Payslips or employment contracts.
• Bank statements showing income.
• Proof of inheritance or property sale.
• Business ownership documents.

Any information provided for SOF/SOW will be treated with the utmost confidentiality and used solely for compliance purposes.

Once you submit your documents through our secure portal, our dedicated verification team will review them. We aim to process all verification requests as quickly as possible. Typically, this takes between 24 to 72 hours, depending on the volume of requests and the clarity of the documents provided.

You will be notified via email or through your Spinko account messaging system once your documents have been reviewed and your account verified. If further information or clearer documents are needed, we will contact you with specific instructions.

During peak times or if complex issues arise, processing times may be slightly longer. We appreciate your patience and cooperation during this essential process.

Spinko employs advanced security measures to protect your personal data and submitted documents. All information is transmitted using secure, encrypted connections (SSL) and stored on secure servers with restricted access. We comply with the General Data Protection Regulation (GDPR) and other relevant data protection laws.

Your documents are only accessible by authorised personnel for the purpose of identity verification and compliance. We do not share your personal information with third parties for marketing purposes. For more details on how we handle your data, please refer to our Privacy Policy.

Spinko is fully committed to combating money laundering and terrorist financing. Our KYC and verification procedures are integral to our comprehensive Anti-Money Laundering (AML) framework. We adhere strictly to the guidelines and regulations set forth by our licensing authority and international AML standards.

This includes monitoring transactions, reporting suspicious activities to the relevant authorities, and maintaining detailed records of customer identification and transaction history. Our commitment to AML compliance helps ensure a safe and legitimate gaming environment for all our users.

Underage gambling is strictly prohibited at Spinko. A core component of our identity verification process is confirming that all our players are of legal gambling age in their respective jurisdictions. This is typically 18 years or older, but can vary.

If we are unable to verify your age, or if we discover that you are underage, your account will be immediately suspended, any winnings forfeited, and your deposits returned, where legally permissible. We employ robust age verification tools and procedures to prevent minors from accessing our services, protecting vulnerable individuals and upholding our social responsibilities.

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

• Unclear Documents: Documents that are blurry, cut off, or have glare may be rejected.
• Expired Documents: Identification or proof of address documents past their validity date will not be accepted.
• Mismatched Information: Discrepancies between the information on your documents and your Spinko account details will cause delays.
• Unsupported Document Types: Submitting documents that are not on our list of accepted proofs.
• High Volume: During periods of high demand, processing times may extend.

If your verification is unsuccessful or delayed, our support team will contact you with specific reasons and guidance on how to resolve the issue. We will work with you to complete the process efficiently.

If you have any questions about the KYC process, require assistance with uploading documents, or encounter any issues, our dedicated customer support team is available 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 email address, and we will respond promptly.

Our team is trained to guide you through each step of the verification process, ensuring a smooth and secure experience. We are here to assist you in maintaining a fully compliant and enjoyable gaming experience at Spinko.