KYC and Verification

At Spinko, maintaining a safe, secure, and fair 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 required by our licensing authority and international regulations. By verifying your identity, we can prevent fraud, combat money laundering, protect minors from accessing gambling services, and ensure that funds are used legitimately. This helps us safeguard your account, your funds, and the integrity of the Spinko platform as a whole.

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 and where you live. For Spinko, KYC is an ongoing process that begins when you register an account and may be revisited at various points during your relationship with us. It is a standard practice across regulated financial services and online gaming industries designed to prevent illegal activities and ensure compliance with legal obligations.

Identity verification is a necessary step at several key stages of your Spinko experience. You may be asked to complete verification:

• Upon registration of your account.
• Before you make your first withdrawal, regardless of the amount.
• When your cumulative deposits or withdrawals reach a certain threshold set by our internal policies or regulatory requirements.
• If there are any significant changes to your account details or payment methods.
• When we detect unusual or suspicious activity on your account.
• Periodically, as part of our ongoing due diligence, even if you have been verified previously.
• If our internal risk assessment flags your account for further review.

Prompt completion of verification requests helps avoid delays in processing transactions and ensures uninterrupted access to our services.

To comply with our regulatory obligations, Spinko may request various documents to confirm your identity, address, and ownership of payment methods. The specific documents required can vary based on your jurisdiction, the information we already hold, and the nature of the verification needed. We will always specify exactly what is required when we contact you. Please ensure all documents are clear, legible, and show all four corners of the document.

To verify your identity, we typically require a clear, colour copy of one of the following valid, government-issued photo identification documents:

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

The document must be current and not expired. The name on the identity document must exactly match the name registered on your Spinko account.

To verify your residential address, we typically require a clear, colour copy of one of the following documents, dated within the last three months:

• Utility Bill: Such as 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.

The document must clearly show your full name, your full residential address, the issuing authority's name, and a date of issue within the last three months. The name and address on the document must match the details registered on your Spinko account.

To ensure the security of financial transactions and prevent fraud, we may also require verification of the payment methods used to deposit or withdraw funds from your Spinko account. This typically involves:

• Credit/Debit Cards: A clear copy of the front and back of the card. For security, please obscure the middle eight digits of the card number on the front and the CVV/CVC code on the back. Your name, the first six and last four digits of the card number, and the expiry date must be clearly visible.
• E-Wallets (e.g., Skrill, Neteller, PayPal): A screenshot of your e-wallet account page, clearly showing your name and the email address or account ID linked to the account.
• Bank Transfers: A copy of a bank statement or a screenshot of your online banking portal showing your name, account number, and recent transactions to or from Spinko.

The name on the payment method must match the name registered on your Spinko account. Third-party payments are strictly prohibited.

In certain circumstances, particularly for high-value transactions or if our risk assessment indicates a need, Spinko may be required to conduct Enhanced Due Diligence (EDD). This includes requesting information and documentation regarding your Source of Funds (SOF) or Source of Wealth (SOW). This is a regulatory requirement to prevent money laundering and terrorist financing. Examples of documents that may be requested include:

• Payslips or employment contracts.
• Bank statements showing accumulated savings.
• Proof of inheritance or trust funds.
• Documentation related to the sale of property or business assets.
• Dividend statements or investment portfolio statements.

Any information provided will be treated with the utmost confidentiality and used solely for compliance purposes. We appreciate your cooperation in these instances, as it helps us maintain the integrity of our platform.

Once you submit your documents, our dedicated verification team will review them. We strive to process all verification requests as quickly as possible. Typically, the review process takes between 24 to 72 hours, though it may take longer during peak periods or if additional information is required. You will be notified via email once your documents have been reviewed and your account status updated. To expedite the process, please ensure all submitted documents are clear, valid, and meet the specified requirements. Incomplete or unclear submissions will lead to delays.

Spinko takes the security and privacy of your personal information very seriously. All documents and data you provide for verification are handled in strict accordance with our Privacy Policy and General Data Protection Regulation (GDPR) principles. Your documents are stored securely using advanced encryption technologies and are accessible only to authorised personnel for compliance purposes. We do not share your personal data with third parties unless legally required to do so. Our systems are designed to protect your information from unauthorised access, disclosure, alteration, or destruction.

Spinko is committed to combating money laundering and the financing of terrorism. Our KYC and verification procedures are integral to our Anti-Money Laundering (AML) framework. We adhere to all relevant national and international AML laws and regulations. By verifying the identity of our players and monitoring transactions, we aim to prevent our platform from being used for illicit activities. Any suspicious activity detected will be reported to the relevant authorities, as required by law. This commitment protects both Spinko and our legitimate players.

Underage gambling is strictly prohibited. As part of our commitment to responsible gaming and regulatory compliance, Spinko rigorously verifies the age of all our players. By requesting proof of identity, we ensure that only individuals aged 18 or over (or the legal age of majority in their jurisdiction, if higher) can access and use our services. If we suspect that an account holder is underage, we will immediately suspend the account and request age verification documents. Failure to provide satisfactory proof of age will result in the permanent closure of the account and forfeiture of any winnings.

If your verification is delayed, it is often due to unclear documents, missing information, or a need for additional documentation. Our team will contact you via email to explain the reason for the delay and request any further details needed. If verification is ultimately unsuccessful, it could be due to discrepancies in the provided information, invalid documents, or an inability to conclusively confirm your identity or address. In such cases, access to certain Spinko services, including withdrawals, may be restricted or your account may be suspended or closed. We will always communicate the reasons for an unsuccessful verification, where legally permissible.

Should you have any questions about the verification process, require assistance with uploading documents, or need clarification on any aspect of our KYC policy, our dedicated customer support team is available to help. You can reach us via live chat on the Spinko website or by sending an email to our support address. We are here to guide you through the process and ensure a smooth and secure experience. Your cooperation in completing these essential checks helps us maintain a secure and compliant gaming environment for everyone at Spinko.