AML & KYC Policy

1. Our Commitment

We comply with all applicable anti-money laundering laws and regulations. Our platform implements strict measures to identify and report suspicious activities, working closely with regulatory authorities to maintain the integrity of our financial operations.

2. Customer Due Diligence (CDD)

We conduct thorough verification of all customers before allowing transactions. This includes:

• Identity verification through government-issued documents
• Address verification using official documentation
• Source of funds verification for large transactions
• Enhanced due diligence for high-risk customers
• Ongoing monitoring of customer activities and risk profiles

3. Transaction Monitoring

All transactions are continuously monitored using advanced systems to detect suspicious patterns including:

• Unusually large deposits or withdrawals exceeding normal patterns
• Frequent deposits followed by immediate withdrawals with minimal gaming activity
• Transactions inconsistent with customer profile or declared income
• Structured transactions designed to avoid reporting thresholds
• Multiple accounts linked to the same identity or payment method

4. Suspicious Activity Reporting

We are legally obligated to report suspicious activities to relevant authorities. This may be done without notifying the customer to comply with legal requirements and to prevent potential criminals from being alerted to investigations.

5. Record Keeping

We maintain comprehensive records of all transactions and customer identification documents for a minimum of 5 years as required by law. This includes transaction history, verification documents, correspondence, and any suspicious activity reports filed.

6. Prohibited Activities

The following activities are strictly prohibited on our platform and will result in immediate account suspension and reporting to authorities:

• Using the platform to launder proceeds of criminal activity
• Financing terrorism or illegal organizations
• Structuring transactions to evade reporting requirements
• Using accounts for third-party transactions without authorization
• Providing false or misleading information during registration or verification
• Operating multiple accounts to circumvent limits or restrictions

7. High-Risk Jurisdictions

We may restrict or prohibit transactions from jurisdictions identified as high-risk for money laundering or terrorist financing by international bodies such as the Financial Action Task Force (FATF). Users from these regions may be subject to enhanced verification requirements.

8. Staff Training

All our staff members receive regular and comprehensive training on AML compliance, suspicious activity detection, reporting procedures, and the latest regulatory updates. This ensures our team remains vigilant and capable of identifying potential risks.

9. Sanctions Screening

We screen all customers against international sanctions lists including UN, EU, OFAC, and other relevant sanctions databases to ensure compliance with global regulations and prevent dealings with sanctioned individuals or entities.

10. Enhanced Monitoring

Accounts may be subject to enhanced monitoring if they exhibit characteristics associated with higher money laundering risk, including:

• Politically Exposed Persons (PEPs) and their associates
• High-value transactions exceeding established thresholds
• Complex corporate structures or ownership arrangements
• Customers from high-risk jurisdictions as defined by FATF
• Unusual betting patterns or account activity

11. Account Freezing

We reserve the right to immediately freeze accounts and funds if we suspect money laundering, terrorist financing, or other illicit activities. Frozen accounts will remain suspended pending investigation and resolution, and may be reported to relevant authorities.

1. Why KYC is Important

KYC verification is a critical component of our security infrastructure. It helps us:

• Verify the true identity of our users
• Prevent underage gambling and protect minors
• Comply with legal and regulatory requirements
• Protect against fraud, identity theft, and account takeover
• Ensure responsible gambling practices
• Prevent multi-accounting and bonus abuse
• Maintain the integrity of our platform

2. Who Needs to Complete KYC

All users must complete KYC verification before they can:

• Make their first withdrawal request
• Deposit amounts exceeding specified thresholds
• Access certain premium features and higher limits
• Receive bonus withdrawals and promotional winnings
• Participate in special tournaments or events

3. Required Documents

To complete KYC verification successfully, you must provide the following documents:

A. Proof of Identity (POI)

One of the following government-issued photo ID documents:

• Aadhaar Card (with valid QR code)
• PAN Card
• Valid Passport
• Driving License (with photograph)
• Voter ID Card

B. Proof of Address (POA)

One of the following documents (must not be older than 3 months):

• Utility Bill (electricity, water, gas, or internet)
• Bank Statement or passbook
• Aadhaar Card (if different from POI)
• Registered Rent Agreement
• Government-issued document with current address

C. Selfie Verification

A clear selfie photograph holding your ID document next to your face. This verifies that you are the legitimate owner of the submitted documents. Both your face and the document details must be clearly visible in the photograph.

4. Document Requirements

All submitted documents must meet the following criteria for successful verification:

• Clear and legible – all text must be easily readable
• Full document visible – all four corners must be shown in the image
• Valid and current – documents must not be expired
• Original documents – no photocopies of photocopies accepted
• Color images – black and white copies are not accepted
• Accepted file formats: JPG, JPEG, PNG, or PDF
• Maximum file size: 5MB per document
• No editing or tampering – documents must be unaltered

5. KYC Verification Process

The verification process typically takes 24-48 hours after document submission. Follow these steps:

1. Step 1: Log in to your account and navigate to the KYC section in your dashboard
2. Step 2: Upload all required documents as specified above
3. Step 3: Our compliance team reviews your documents for authenticity
4. Step 4: You receive confirmation via email and WhatsApp once approved
5. Step 5: Your account is fully verified and all restrictions are removed

6. Document Rejection Reasons

Documents may be rejected for the following reasons. If rejected, you will be notified and asked to resubmit:

• Poor image quality, blurry, or out of focus photographs
• Documents are expired or no longer valid
• Information does not match account registration details
• Incomplete documents with corners cut off or obscured
• Evidence of editing, tampering, or digital manipulation
• Document type not accepted for verification
• Selfie does not clearly show face or document

7. Age Verification

You must be at least 18 years old to register and use our services. We strictly enforce age verification through our KYC process. Accounts found to belong to minors will be immediately suspended, any funds will be returned to the source of deposit, and the account will be permanently closed.

8. Data Protection

All documents and personal information provided during KYC verification are handled with the utmost care and security:

• Stored securely using industry-standard 256-bit encryption
• Used only for verification and compliance purposes
• Never shared with unauthorized third parties without explicit consent
• Retained only as required by legal and regulatory obligations
• Protected under our comprehensive Privacy Policy
• Accessible only to authorized compliance personnel

9. Account Restrictions

Until KYC verification is successfully completed, your account may have the following restrictions:

• Limited or no withdrawal capabilities
• Restricted deposit limits
• Limited access to certain premium features
• Bonus and promotional restrictions
• Unable to participate in tournaments or special events

10. Consequences of Non-Compliance

Failure to complete KYC verification when requested may result in:

• Permanent withdrawal restrictions on your account
• Temporary or permanent account suspension
• Forfeiture of bonuses and promotional winnings
• Permanent account closure without reinstatement
• Funds being held in escrow until verification is complete
• Reporting to relevant regulatory authorities if fraud is suspected

11. How to Submit KYC Documents

You can submit your KYC documents through any of the following convenient methods:

• Account Dashboard: Navigate to the KYC/Verification section
• Email: Send documents to kyc@99exchlogin.com.in
• Customer Support Chat: Available 24/7 on our website
• WhatsApp: +91 91119 44683