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, other players, and Spinko itself. By verifying your identity, we can prevent fraud, combat money laundering, ensure responsible gambling practices, and comply with the strict regulatory requirements set by our licensing authority. This helps us ensure that only eligible individuals participate in our games and that all transactions are legitimate.

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. The objective is to understand our customers better, assess potential risks, and adhere to legal obligations. For Spinko, this means we must confirm that the personal details you provide during registration are accurate and that you are indeed the individual making deposits and withdrawals from your account. It is a standard procedure across all regulated financial services and online gaming platforms.

Verification is an ongoing process that may be triggered at various stages of your relationship with Spinko. Typically, you will be asked to complete verification:

• Upon registration of your account.
• Before your first withdrawal, or when cumulative withdrawals reach a certain threshold.
• When deposits exceed a specific amount or frequency.
• If there are changes to your personal information.
• If suspicious or unusual activity is detected on your account.
• Periodically, as part of our ongoing compliance checks, even if you have previously been verified.
• When our internal risk assessment models flag an account for review.

These triggers are in place to ensure continuous compliance and to maintain the integrity of our platform. Spinko reserves the right to request verification at any time it deems necessary.

To complete the verification process, Spinko typically requests specific types of documents. These documents fall into several categories, each serving a distinct purpose in confirming your identity, address, and ownership of payment methods. All documents submitted must be clear, legible, valid, and show all four corners of the document. We recommend submitting high-resolution scans or photographs. Falsified documents will lead to immediate account closure and reporting to relevant authorities.

To confirm your identity, we require a valid, government-issued photographic identification document. This document must clearly show your full name, date of birth, photograph, signature (if applicable), and the document's expiry date. The document must not be expired. Acceptable forms of proof of identity include:

• A valid passport.
• A valid national identity card.
• A valid driving license (both front and back).

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

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. The name and address on this document must match the details registered on your Spinko account. Acceptable forms of proof of address include:

• A utility bill (e.g., electricity, water, gas, landline phone, internet bill). Mobile phone bills are generally not accepted.
• A bank statement or credit card statement.
• A government-issued letter or tax statement.

Please ensure that the document is dated within the last 90 days from the date of submission.

To ensure the security of financial transactions and to prevent unauthorized use, we may also require verification of the payment methods used on your Spinko account. The specific documents required will depend on the payment method you use:

• Credit/Debit Cards: We may ask for a clear photo of the front and back of the card. For security, please obscure the middle six digits of the long card number on the front and the CVV/CVC code on the back. The cardholder's name, the first six and last four digits of the card number, and the expiry date must be clearly visible.
• E-Wallets (e.g., Neteller, Skrill, PayPal): A screenshot of your e-wallet account profile page, clearly showing your name, email address, and account ID, may be requested. This screenshot should be taken from within your e-wallet account itself.
• Bank Transfers: A copy of a recent bank statement (dated within the last 90 days) showing your name, bank logo, account number, and recent transactions may be required. You may redact transaction details not relevant to Spinko.

The name on the payment method must always match the name registered on your Spinko account.

In certain circumstances, particularly when transactions involve significant amounts or if there are indicators of higher risk, Spinko is legally obligated to conduct Enhanced Due Diligence (EDD) and verify the source of your funds (SOF) or source of wealth (SOW). This is a crucial part of our anti-money laundering obligations. We may request documents that demonstrate the origin of the funds you are using to gamble. Examples of such documents include:

• Recent payslips or employment contracts.
• Bank statements showing regular income.
• Proof of inheritance or gift.
• Property sale agreements.
• Business ownership documentation.

This information is handled with the utmost confidentiality and is used solely for compliance purposes. Failure to provide satisfactory SOF/SOW documentation may result in account restrictions or closure.

Once you submit your documents, our dedicated verification team will review them. We aim to process all verification requests as quickly as possible. Typically, the initial review process takes between 24 and 72 hours. However, during peak times or if further information or clarification is needed, this timeframe may be extended. We will notify you via email or through your Spinko account messages regarding the status of your verification. If your documents are unclear or incomplete, we will contact you to request new or additional information. Please ensure that the email address registered with your Spinko account is current and regularly checked.

Spinko is committed to protecting your personal data and documents. All information and documents you provide are treated with the highest level of security and confidentiality. We employ advanced encryption technologies and strict data protection protocols to safeguard your data against unauthorized access, disclosure, alteration, or destruction. Your documents are stored securely in compliance with GDPR and other relevant data protection regulations. Access to your personal data is restricted to authorized personnel only, who are trained in data handling and privacy best practices. We do not share your personal information with third parties unless required by law or necessary for the provision of our services, as outlined in our Privacy Policy.

Spinko operates under strict anti-money laundering (AML) regulations as mandated by our licensing authority. The KYC and verification processes are integral to our AML framework. Our objective is to prevent our platform from being used for illegal activities, including money laundering and terrorist financing. We continuously monitor transactions and account activity for suspicious patterns. Any suspicious activity detected will be reported to the relevant regulatory and law enforcement authorities, as required by law, without prior notification to the account holder. Our commitment to AML compliance is non-negotiable and essential for maintaining a legitimate and trustworthy gaming environment.

Online gambling is strictly prohibited for individuals under the legal age of 18, or the legal age of majority in their jurisdiction, whichever is higher. Age verification is a critical component of our KYC process. We rigorously check the date of birth provided during registration against your identity documents to ensure that all our players are of legal gambling age. If we suspect that an account is being operated by a minor, or if age verification fails, the account will be immediately suspended, and all funds may be frozen. We are dedicated to protecting minors from the harms of gambling and actively promote responsible gaming practices.

If your verification is delayed, it usually means that the documents provided were unclear, incomplete, or further information is required. We will contact you with specific instructions on what is needed to complete the process. If verification is ultimately unsuccessful, for example, if we cannot verify your identity or address, or if we identify discrepancies, your account may be subject to restrictions, including the inability to deposit or withdraw funds, or permanent closure. In such cases, any remaining funds may be returned to the source of deposit, or held if required by law or regulatory obligations. We will always communicate the reasons for unsuccessful verification, where legally permitted.

We understand that the verification process can sometimes be complex, and you may have questions or require assistance. Our dedicated customer support team is available to guide you through each step. If you encounter any issues, need clarification on document requirements, or have concerns about the status of your verification, please do not hesitate to contact us. You can reach our support team via live chat, email, or through the contact form available on the Spinko website. We are here to help ensure your verification process is as smooth and efficient as possible.