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 critical component of this commitment. By verifying your identity, we can prevent fraud, combat money laundering, ensure responsible gambling practices, and protect minors from accessing our services. This process safeguards both our platform and our players, creating a trusted space for everyone to enjoy their gaming experience.

Our verification procedures are a direct requirement of our operating license and comply with international anti-money laundering (AML) regulations and data protection laws, including the General Data Protection Regulation (GDPR). We are committed to processing your personal data transparently and securely, only requesting information that is necessary for these purposes.

KYC, or Know Your Customer, is a standard regulatory process implemented across financial services and online gaming to verify the identity of our customers. It involves collecting and assessing specific documentation to confirm who you are, where you live, and that the funds you use are legitimate. The primary goals of KYC are to prevent illegal activities such as identity theft, fraud, money laundering, and terrorist financing. For Spinko, it also ensures that we comply with our licensing obligations and provide a safe platform for all users.

Verification is an ongoing process that may be triggered at several points during your relationship with Spinko. Typically, you will be asked to complete initial verification shortly after registering an account or before your first withdrawal. However, further verification may be required in the following circumstances:

• When you reach certain deposit or withdrawal thresholds.
• If there are significant changes to your account activity or deposit patterns.
• If we have reason to believe that the information we hold is outdated or inaccurate.
• If our internal risk assessment flags any unusual or suspicious activity.
• Periodically, as part of our ongoing regulatory compliance, even if no specific trigger event occurs.
• To comply with a request from our licensing authority or other regulatory bodies.

Failure to complete the requested verification in a timely manner may result in restrictions being placed on your account, including the inability to deposit, withdraw, or play.

To complete our KYC process, you may be asked to provide various documents. These typically fall into categories such as proof of identity, proof of address, and proof of payment method. In some cases, we may also require documentation related to your source of funds. All documents must be clear, legible, valid, and show all relevant details. We cannot accept expired or obscured documents.

For proof of identity, we require a clear, colour copy of one of the following government-issued identification documents. The document must be valid, not expired, and show your full name, date of birth, photograph, and signature:

• Passport (photo page)
• National Identity Card (front and back)
• Driver's License (front and back)

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

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

• Utility bill (e.g., electricity, water, gas, landline phone, internet, but not mobile phone bills)
• Bank statement or credit card statement (physical or electronic, provided it shows the bank's logo and your address)
• Government-issued tax statement or official correspondence
• Rental agreement (dated within the last 3 months, or clearly showing a recent start date)

The address on your proof of address document must match the address registered on your Spinko account. PO Box addresses are not acceptable for proof of address.

To ensure the security of your transactions and prevent financial fraud, we may require verification of the payment methods you use to deposit or withdraw funds. The specific requirements depend on the payment method:

• Credit/Debit Cards: A clear photo of the front of the card, showing the first six and last four digits of the card number, the expiry date, and your name. Please obscure the middle digits for security. We do not require the CVV/CVC code.
• E-wallets (e.g., Skrill, Neteller, PayPal): A screenshot of your e-wallet account profile page, clearly showing your name and the email address or account ID associated with the account.
• Bank Transfers: A copy of a recent bank statement or a screenshot of your online banking portal showing the account holder's name, account number, and bank logo. Sensitive transaction details can be obscured.

All payment methods used on Spinko must be registered in your own name. Third-party payments are strictly prohibited.

In accordance with our regulatory obligations, particularly those related to anti-money laundering (AML), Spinko may occasionally be required to request information regarding your source of funds (SOF) or source of wealth (SOW). This is part of our enhanced due diligence (EDD) process and is typically requested when large transactions occur, or where our risk assessment indicates a higher risk profile.

Documents that may be requested to verify your source of funds include, but are not limited to:

• Payslips or employment contracts to show salary.
• Bank statements showing regular income.
• Documents relating to property sales.
• Inheritance certificates or legal documents.
• Dividend statements or other investment income proofs.
• Business accounts or tax returns for self-employed individuals.

We understand that such requests are sensitive, and we assure you that all information provided will be treated with the utmost confidentiality and used solely for compliance purposes. Our aim is to ensure that funds used on our platform are derived from legitimate sources.

Once you submit your documents, our dedicated verification team will review them. We aim to process all verification requests as quickly as possible. Typically, standard verification (proof of identity and address) is completed within 24-48 hours. However, during peak times, or if further information is required, this timeframe may be extended.

You will be notified via email or through your Spinko account messaging system once your documents have been reviewed and your verification status updated. If any documents are unclear, invalid, or additional information is needed, we will contact you with specific instructions.

It is important to submit high-quality, clear images of your documents to avoid delays. Ensure all four corners of the document are visible, and there is no glare or blur. Documents should be in JPEG, PNG, or PDF format.

Spinko takes the security and privacy of your personal data very seriously. All documents and information you provide are stored securely on encrypted servers, protected by advanced security measures. We adhere strictly to the principles of the General Data Protection Regulation (GDPR) and other relevant data protection laws.

Your documents are accessed only by authorised personnel for the purpose of identity verification and regulatory compliance. We will never share your personal information with third parties for marketing purposes. For more details on how we protect your data, please refer to our Privacy Policy.

Spinko is fully committed to preventing money laundering and terrorist financing. Our KYC and verification procedures are integral to our comprehensive Anti-Money Laundering (AML) framework. We operate in strict compliance with international AML laws and the regulations set forth by our licensing authority.

This includes monitoring transactions, reporting suspicious activities to the relevant authorities, and ensuring that all funds processed through our platform are legitimate. By conducting thorough verification, Spinko plays its part in combating financial crime and maintaining the integrity of the financial system.

Under no circumstances do we permit individuals under the legal gambling age to open an account or participate in gaming activities on Spinko. Our age verification process is a critical safeguard against underage gambling. By verifying your date of birth through official identification documents, we ensure compliance with legal age requirements in your jurisdiction.

Any account found to belong to a minor will be immediately closed, and any winnings will be forfeited. We encourage parents and guardians to use filtering software to prevent minors from accessing gambling websites.

While we strive for efficient verification, delays can occur if documents are unclear, incomplete, or if additional information is required. If your verification is delayed, please check your email and your Spinko account messages for any requests from our team. Respond promptly with the requested information to expedite the process.

In cases where verification is unsuccessful, perhaps due to inability to confirm identity or address, or if discrepancies are found, your account may be subject to restrictions, including suspension or permanent closure. We will always communicate the reasons for unsuccessful verification where permitted by law. Our decision on verification is final and binding.

If you have any questions about the KYC process, require assistance with uploading your documents, or need clarification on any aspect of verification, our customer support team is here to help. You can reach us via live chat or email. Please visit our 'Contact Us' page for detailed support options. We are committed to making your experience with Spinko as smooth and secure as possible.