Spinch KYC & AML Policy

Spinch applies KYC and AML controls to verify identity, prevent fraud, and combat financial crime. This approach supports user safety, account protection, and transparency across betting and gaming services.

• Fair play aligned to Irish law and licence conditions
• User safety backed by proportionate security measures
• Transparency on identity checks and document submission requirements
• Compliance with regulatory requirements, including reporting obligations

Every new user must complete identity verification before certain features, including withdrawals, become available. Document submission may also be required later where risk-based reviews apply.

• Government-issued photo identification
• Proof of address issued within a recent timeframe
• Confirmation of ownership of the payment method used
• Source-of-funds or source-of-wealth information where risk triggers apply
• A selfie or biometric check where legally permitted

Controls are in place to prevent money laundering, terrorist financing, and other illegal activity, in accordance with the Criminal Justice (Money Laundering and Terrorist Financing) Acts (as amended) and applicable EU rules. Measures combine automated security measures and specialist oversight to ensure proportionate transaction monitoring.

• Continuous transaction monitoring and activity review against risk thresholds
• Automated detection rules and alerts based on behaviour patterns and payment flows
• Enhanced due diligence for high-risk profiles, triggers, or complex source-of-funds events
• Review and escalation of large, unusual, or rapid in-and-out transfers
• Risk scoring plus sanctions and PEP screening against EU, UN, and domestic lists
• Timely reporting of suspicious activity to FIU Ireland and the Revenue Commissioners, in line with statutory reporting obligations
• Periodic reassessment of user risk and control effectiveness

Restrictions support KYC and AML safeguards and help maintain a secure environment for all users. The following actions are not permitted.

• Opening or using multiple accounts by the same individual
• Using forged, altered, or stolen documents in any identity check or document submission
• Attempting to launder funds or disguise the source of funds
• Manipulating systems, odds, or games to evade monitoring or controls
• Sharing, selling, or transferring account access to any third party
• Depositing or withdrawing through payment instruments owned by another person
• Misrepresenting identity, age, residency, or beneficial ownership

Breaches of this policy or Irish AML law may result in enforcement action. Measures may be applied proportionately to the risk and the facts of each case.

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.

Each account holder must provide accurate and current personal data and complete ID verification promptly. Requests for additional documents or information must be answered within stated timeframes, including source-of-funds details where required. Only payment methods owned and controlled by the account holder may be used for deposits and withdrawals. Any suspicious activity on the account should be reported without delay to support. These duties sit alongside responsible gaming commitments and support ongoing account protection.

Spinch upholds fair play and transparency to protect users and maintain a safe environment in Ireland. Policies and security measures are designed to support lawful conduct and user safety.

• Compliance with KYC and AML standards under Irish and EU law
• Confidentiality and protection of personal data in line with GDPR and the Data Protection Acts
• Ongoing monitoring and investigation of suspicious activity
• Prevention of manipulation, collusion, and other unfair behaviour
• Accessible support on account protection, identity checks, and safety matters
• Shared responsibility between the platform and users for risk mitigation
• Equal conditions and consistent application of rules to all users