KYC and Verification

At Spinko, maintaining a secure and trustworthy gaming environment is paramount. We are committed to preventing fraud, money laundering, and underage gambling. To achieve this, we are legally required to verify the identity of our players. This process, known as Know Your Customer, or KYC, ensures that you are who you claim to be, that your funds are legitimate, and that you meet the legal age requirements for gambling in your jurisdiction. By undertaking these checks, Spinko protects both its players and its operations, fostering a safe and compliant platform for everyone.

KYC, or Know Your Customer, is a standard regulatory requirement for financial institutions and online gambling operators like Spinko. It involves collecting and verifying personal information from our customers. The primary goals of KYC are to:

• Confirm the identity of each player.
• Prevent identity theft and fraudulent account creation.
• Comply with anti-money laundering (AML) regulations.
• Ensure players are of legal gambling age.
• Protect the integrity of our financial systems.

This process is a fundamental part of our commitment to responsible gaming and regulatory compliance. All information collected during KYC is handled with the strictest confidentiality and in accordance with our Privacy Policy and relevant data protection laws, including GDPR.

Verification checks are an integral part of your experience at Spinko and may be triggered at various stages of your account lifecycle. You can expect to be asked for verification:

• Upon Registration: We may conduct initial checks when you first create your Spinko account.
• Before Your First Withdrawal: To comply with AML regulations, we typically require full verification before processing your first withdrawal request.
• When Reaching Certain Deposit or Withdrawal Thresholds: Regulatory guidelines often mandate additional checks once cumulative transaction amounts exceed specific limits.
• If There Are Changes to Your Account Details: Updating personal information may prompt re-verification to ensure accuracy.
• If We Detect Unusual or Suspicious Activity: Any activity that deviates from normal patterns may trigger a verification request for security purposes.
• Periodically as Part of Ongoing Due Diligence: We conduct periodic reviews to ensure the information we hold remains current and accurate.

We aim to make this process as smooth and unintrusive as possible, but these checks are non-negotiable for regulatory compliance.

To complete the verification process, Spinko may request several types of documents. These are generally categorised into proof of identity, proof of address, and payment method verification. The specific documents required can vary based on your jurisdiction and the nature of the checks being performed. We will always clearly communicate which documents are needed and how to submit them securely.

To confirm your identity, we typically require a clear, legible copy of one of the following government-issued identification documents:

• Passport: The photo page, showing your full name, date of birth, photograph, signature, and document expiry date.
• National Identity Card: Both the front and back of the card, displaying your full name, date of birth, photograph, and document expiry date.
• Driver's Licence: Both the front and back of the licence, showing your full name, date of birth, photograph, and document expiry date.

The document must be valid and not expired. All four corners of the document must be visible, and the text must be clearly readable. We cannot accept blurred or obscured images.

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

• Utility Bill: Such as electricity, water, gas, 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: For example, a tax statement.

The document must be dated within the last three months, show your full name, and match the address registered on your Spinko account. Ensure all four corners of the document are visible and all text is legible.

To prevent financial fraud and comply with AML regulations, we may also need to verify the payment methods you use to deposit and withdraw funds from your Spinko account. The required documents depend on the payment method:

• Credit/Debit Cards: A clear image of the front of the card, showing the first six and last four digits of the card number (e.g., 1234 56XX XXXX 7890), your name, and the expiry date. For security, please obscure the middle eight digits. The CVV/CVC code on the back should also be covered.
• E-Wallets (e.g., Skrill, Neteller, PayPal): A screenshot of your e-wallet account page showing your full name and the associated email address or account ID. The screenshot must clearly show that the e-wallet account is registered in your name.
• Bank Transfers: A copy of a bank statement or a screenshot of your online banking portal showing your name, account number, and the bank's logo.

It is crucial that all payment methods used are registered in your name. Third-party payments are strictly prohibited at Spinko.

In certain circumstances, particularly when large transactions are involved or if there are indicators of higher risk, 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 obligation designed to combat money laundering and terrorist financing. We may ask for documents that demonstrate the origin of your funds, which could include:

• Bank statements showing accumulated wealth.
• Pay slips or employment contracts.
• Tax returns.
• Proof of inheritance or property sale.
• Company financial statements.

This information is handled with the utmost confidentiality and is solely used to meet our legal and regulatory obligations. We understand this can be a more intrusive request, but it is a necessary step to maintain a secure and compliant platform for all Spinko players.

Once you submit your documents, our dedicated verification team at Spinko will review them. We strive to process all verification requests efficiently. Our standard processing time is typically within 24-48 hours. However, during peak periods or if additional information is required, this may take longer. You will be notified via email or through your Spinko account messaging system about the status of your verification. If your documents are unclear or incomplete, we will contact you to request new or additional information. We appreciate your patience and cooperation during this essential process.

Spinko employs robust security measures to protect your personal and financial information. All documents submitted for verification are handled with strict confidentiality and are stored securely in compliance with data protection regulations, including GDPR. We use encrypted connections and secure servers to transmit and store your data. Access to your documents is restricted to authorised personnel only, who are trained in data privacy and security protocols. We will never share your documents with unauthorised third parties. Your trust and privacy are of paramount importance to us.

Spinko is fully committed to combating money laundering and terrorist financing. As a regulated online gambling operator, we adhere to strict Anti-Money Laundering (AML) laws and regulations. Our KYC procedures are a cornerstone of our AML framework. We monitor transactions for suspicious activity and report any such activity to the relevant authorities, as required by law. By verifying your identity and the source of your funds, we play our part in preventing illicit financial activities and maintaining the integrity of the global financial system. This commitment helps ensure that Spinko remains a safe and legitimate platform for all players.

Underage gambling is strictly prohibited at Spinko. We are legally obliged to ensure that all our players are of legal gambling age in their respective jurisdictions, which is typically 18 years or older. Our age verification procedures are designed to prevent minors from accessing our services. During the KYC process, we meticulously check your date of birth against your submitted identification documents. Any attempt by a minor to register or gamble will result in immediate account closure and reporting to relevant authorities. We take our responsibility to protect minors very seriously and encourage parents and guardians to use filtering software to prevent underage access to gambling sites.

We understand that delays or unsuccessful verification attempts can be frustrating. If your verification is taking longer than expected, or if your documents have been rejected, please check your email for communications from Spinko. We will typically provide a reason for the delay or rejection and advise you on the next steps, such as submitting clearer images or alternative documents. Common reasons for rejection include blurred images, expired documents, or documents where information does not match your registered account details. If, after several attempts, verification remains unsuccessful, your account may be temporarily suspended or, in some cases, permanently closed, as we cannot operate without fulfilling our regulatory obligations. We will always endeavor to assist you in resolving any issues.

If you have any questions about the KYC process, need assistance with submitting your documents, or require clarification on any aspect of our verification procedures, our customer support team is here to help. You can contact us via our live chat service, available on the Spinko website, or by sending an email to our support address. Our trained professionals are available to guide you through each step and ensure a smooth verification experience. Please do not hesitate to reach out, we are committed to making this process as straightforward as possible for all our valued players.