1win KYC & AML Policy

KYC and AML procedures are applied to verify the identity of each account holder, support accurate document submission, prevent fraud, and reduce the risk of financial crime or suspicious activity on the platform. These measures are implemented in line with applicable regulatory requirements and reporting obligations that may apply to services used by individuals in India.

The KYC and AML framework aims to guarantee:

• Fair play in all betting and gaming services
• User safety through strong account protection and security measures
• Transparency in identity check, transaction monitoring, and handling of personal data
• Compliance with anti-money laundering and counter-terrorism financing standards
• Consistent application of internal rules to all users, without preferential treatment
• Responsible gaming practices as part of a secure and monitored environment

Every new user must complete identity check and ID verification so that the platform can confirm the real account holder, protect personal data, and reduce the risk of misuse or suspicious activity. In some cases, additional document submission may be required at a later stage if risk indicators or transaction monitoring suggest further review.

Depending on the risk profile and regulatory requirements, the platform may request the following generic categories of documents:

• Government-issued photo identification, such as a valid ID document that confirms full name, date of birth, and photograph
• Proof of residential address, confirming current living address in India or another jurisdiction, issued by a reliable source such as a utility provider, bank, or government body
• Evidence of ownership for payment methods used on the account, such as documents or screenshots showing that the card, bank account, wallet, or other instrument belongs to the account holder
• Additional verification materials in higher-risk situations, including source-of-funds or source-of-wealth information where required by AML rules

The platform applies structured AML controls and security measures to detect and prevent money laundering, terrorism financing, and other illegal activity that could affect user safety or the integrity of gaming services. These AML controls include ongoing transaction monitoring, risk assessment, and reporting obligations where required by law or by relevant authorities.

Key AML measures include:

• Continuous monitoring of user transactions and gameplay patterns to identify unusual or suspicious activity
• Automated detection rules and system alerts that flag behaviour inconsistent with normal betting or deposit and withdrawal patterns
• Enhanced due diligence for higher-risk users, jurisdictions, payment methods, or transaction types, including deeper ID verification and document submission
• Detailed review of large, complex, or unusual transfers and any activity that does not appear to have a clear lawful purpose
• Risk scoring procedures that rate accounts and transactions based on AML risk factors and guide the intensity of monitoring
• Screening of users against applicable sanctions, politically exposed person (PEP) lists, and other watchlists as part of identity check
• Internal escalation and, where required, reporting of suspicious transactions or users to competent authorities in line with applicable reporting obligations

The platform maintains strict restrictions on certain behaviours in order to support KYC, AML, and responsible gaming controls. Any user activity that undermines identity check, ID verification, transaction monitoring, or account protection is not allowed and may lead to enforcement action.

Prohibited activities include, but are not limited to:

• Creating or using more than one user account, including accounts opened in the name of third parties
• Submitting forged, altered, stolen, or otherwise invalid documents during verification or document submission
• Attempting to use the platform for money laundering, terrorism financing, or any other illegal financial scheme
• Manipulating systems, exploiting technical vulnerabilities, or attempting to interfere with normal transaction monitoring or game operation
• Sharing, selling, or otherwise transferring access credentials to any other person, including friends, family members, or agents
• Using payment instruments that are not owned or directly controlled by the verified account holder
• Misrepresenting identity, including use of another person's personal data, documents, or payment accounts to bypass KYC or AML checks

Any breach of this KYC and AML Policy, refusal to cooperate with identity check or ID verification, or involvement in suspicious activity may trigger enforcement actions based on internal rules and applicable regulatory requirements. The platform reserves the right to act where user safety, fair play, or the integrity of AML controls is at risk.

Consequences may include temporary or permanent account suspension, freezing or confiscation of funds linked to suspicious activity, cancellation of bets or winnings, reporting to competent authorities where applicable.

Every account holder is responsible for providing accurate, complete, and up-to-date personal data during registration and throughout the relationship with the platform. Users must complete identity check and ID verification in a timely manner, respond promptly to requests for additional document submission, and cooperate fully in any AML review or transaction monitoring.

Users are required to use only those payment methods for deposits and withdrawals that belong to them and match the details of the verified account holder. Login credentials must be kept confidential and not shared with any other person to protect account protection and user safety.

Any unusual login attempt, unauthorised transaction, or other suspicious activity noticed by the user must be reported to support without delay. Users are also encouraged to follow responsible gaming practices and to recognise that KYC and AML safeguards are in place to maintain a secure and compliant environment.

The platform is committed to maintaining fair play and transparency in all online casino and sportsbook operations in order to protect users in India and preserve a safe, compliant environment. KYC, AML, and responsible gaming policies operate together as part of an integrated framework that promotes user safety, consistent standards, and strong security measures.

Core principles include:

• Adherence to KYC and AML standards, including identity check, ID verification, and continuous transaction monitoring
• Confidential handling and protection of personal data in line with data protection practices and regulatory requirements
• Ongoing monitoring of accounts for suspicious activity, misuse of payment methods, and potential financial crime risks
• Prevention of manipulation, collusion, or any other unfair behaviour that may impact fair play in games and betting markets
• Availability of user support for questions related to safety, verification, account protection, and responsible gaming controls
• Shared responsibility between the platform and users for maintaining a secure environment, including honest disclosure of information
• Equal conditions for all users, where rules are applied consistently without discrimination or preferential treatment