AML Policy
This AML Policy explains the checks that may be used to prevent money laundering, fraud, identity misuse and payment abuse in gambling-related account activity. The policy is written as a process guide so users understand what can trigger review and how to respond.
AML controls are not limited to a single identity check. They may apply during registration, deposits, withdrawals, payment changes and unusual account activity.
1. Identity stage
The first stage is confirming that the account belongs to a real and eligible person. The user's name, date of birth, address and contact details may be compared with identity documents.
Documents may include:
- Passport.
- National identity card.
- Driving licence.
- Proof of address.
- Selfie or liveness check.
The information should be valid, readable and consistent with the account.
2. Payment ownership stage
The next stage is confirming that the payment method belongs to the account holder.
Possible evidence may include:
| Payment method | Possible ownership evidence |
|---|---|
| Bank card | Card image with required details visible and sensitive data masked |
| Bank account | Statement showing name and account reference |
| E-wallet | Account screenshot showing owner and wallet identifier |
| Bank transfer | Transfer confirmation or statement |
| Crypto transaction | Wallet or transaction evidence where requested |
Users should not use another person's card, bank account or wallet. Permission from the owner may not remove the compliance issue.
3. Source-of-funds stage
Source of funds means the origin of the money used for deposits. A request may be triggered by large deposits, frequent transactions, unusual patterns or activity that does not match the account history.
Evidence may include:
- Salary records.
- Bank statements.
- Business income records.
- Savings history.
- Investment documents.
- Property sale documents.
- Inheritance records.
- Other legitimate financial evidence.
The user should provide an explanation that is clear and supported by documents.
4. Source-of-wealth stage
Source of wealth is a broader review of how the user's overall financial position was built. It may be requested in higher-risk or high-value situations.
This review may require information about employment, business ownership, investments, property or inheritance. The explanation should be consistent with the transaction history.
5. Transaction monitoring
Account activity may be monitored automatically, manually or through a combination of both.
Monitoring may consider:
- Deposit amounts and frequency.
- Withdrawal timing.
- Number of payment methods.
- Device and location changes.
- Bonus activity.
- Gameplay or betting patterns.
- Failed payments.
- Account detail changes.
- Duplicate account signals.
6. Activity that may trigger review
A review may be triggered by:
| Activity | Reason for review |
|---|---|
| Deposit followed by quick withdrawal | May indicate money movement rather than normal play |
| Large deposits with limited activity | May require source-of-funds confirmation |
| Several payment methods | Ownership and fraud risk |
| Mismatched names or addresses | Identity inconsistency |
| Repeated failed transactions | Payment or security concern |
| Duplicate account indicators | Identity or bonus abuse concern |
| Edited documents | Possible fraud |
| Refusal to explain activity | Incomplete due diligence |
A trigger does not automatically prove wrongdoing. It means more information may be required.
7. Withdrawal review
A withdrawal may be paused while AML or verification checks are incomplete. This can happen even if earlier withdrawals were approved, especially when account behaviour, payment methods or transaction size changes.
Users can reduce delays by:
- Keeping account information accurate.
- Using only their own payment methods.
- Avoiding duplicate accounts.
- Completing bonus rules.
- Providing clear documents.
- Responding to questions promptly.
8. Suspicious activity
Suspicious activity may include false documents, third-party payments, unusual money movement, account sharing, bonus abuse, identity mismatch or attempts to avoid review.
During an investigation, account functions may be limited. Deposits, withdrawals, bonuses or access may be paused. Where required, information may be reported through appropriate compliance channels.
9. Bonus abuse and AML overlap
Bonus misuse can overlap with fraud and AML controls. Multiple accounts, repeated claims, shared payment methods, coordinated play or artificial transaction patterns may trigger review.
Users should not use bonuses as a method for moving funds through an account.
10. How users should respond
When verification is requested, users should:
- Read the request carefully.
- Provide the exact document requested.
- Check that it is valid and readable.
- Make sure the details match the account.
- Use the requested secure upload method.
- Avoid editing documents.
- Give clear and consistent answers.
Sending the wrong document repeatedly can delay the process.
11. Actions users must avoid
Users must not:
- Provide false information.
- Submit altered documents.
- Use another person's payment method.
- Create duplicate accounts.
- Split transactions to avoid checks.
- Hide the source of funds.
- Use gambling accounts for non-gambling transfers.
- Refuse verification after requesting a withdrawal.
- Attempt to bypass suspension or exclusion.
12. Record keeping
AML records may include identity documents, payment evidence, transaction history, risk notes, source-of-funds information and communications.
Some records may need to be retained after account closure for legal, AML, fraud prevention or responsible gambling purposes.
Final note
AML checks are part of secure account operation. Users who provide accurate information, use their own payment methods and respond clearly to verification are less likely to face avoidable delays.