AML & KYC Policy

The platform operates a comprehensive Know Your Customer (KYC) framework designed to verify user identity, monitor transaction patterns, and prevent fraudulent activity. KYC procedures are mandatory for all users and must be completed before withdrawal requests can be processed. These measures form the foundation of 1win’s commitment to regulatory compliance and financial integrity.

1win employs the following financial security and fraud prevention measures:

• Identity Verification: All users must submit government-issued identification documents (Aadhaar, PAN card, passport, or driving licence) to confirm identity and legal age.
• Address Confirmation: Proof of residential address is required through utility bills, bank statements, or official government correspondence dated within the last three months.
• Payment Method Validation: Users must verify ownership of all payment methods used for deposits and withdrawals, including bank accounts, e-wallets, and credit or debit cards.
• Transaction Monitoring: Automated systems continuously analyse deposit and withdrawal patterns to identify unusual or suspicious activity that may indicate money laundering or fraud.
• Source of Funds Verification: In cases involving large or irregular transactions, users may be required to provide documentation demonstrating the legitimate origin of funds.
• Enhanced Due Diligence (EDD): High-risk users or transactions are subject to additional scrutiny, including requests for further documentation and manual review by the compliance team.
• Sanctions and PEP Screening: All users are screened against international sanctions lists and politically exposed persons (PEP) databases to prevent involvement in prohibited financial activities.

1win’s AML and KYC policies are designed to comply with applicable anti-money laundering legislation in the jurisdictions where the platform operates, including the Prevention of Money Laundering Act, 2002 (PMLA) and associated rules as enforced in India. The platform adheres to international standards established by the Financial Action Task Force (FATF) and the regulatory requirements of the Curaçao Gaming Control Board.

The platform is obligated to report suspicious transactions to the relevant financial intelligence units (FIUs) and regulatory authorities. Users are required to cooperate fully during any investigation or inquiry initiated by 1win or mandated by law enforcement agencies. Refusal to provide requested information or documentation may result in account suspension, transaction reversal, or permanent account closure.

1win reserves the right to retain user data and transaction records for a minimum period of five years from the date of account closure or the last transaction, as required by applicable anti-money laundering regulations. This information may be disclosed to regulatory bodies, law enforcement agencies, or other authorised entities upon request or as required by law.

Users of the 1win platform are strictly prohibited from engaging in the following activities:

• Using the platform to launder money or process funds derived from criminal activity.
• Providing false, misleading, or fraudulent information during the registration or verification process.
• Using payment methods that do not belong to the account holder or are not registered in the user’s legal name.
• Creating multiple accounts to circumvent transaction limits, verification requirements, or account restrictions.
• Engaging in collusion, chip dumping, or other forms of coordinated fraud.
• Attempting to manipulate financial records, transaction histories, or platform systems.
• Using the platform to transfer funds between third parties without legitimate gaming activity.

Any user found to be in violation of these prohibitions will face immediate account suspension, confiscation of funds, and reporting to relevant authorities. The platform will not process withdrawal requests until the completion of all required verification procedures and the resolution of any compliance concerns.

All users must complete identity verification before processing withdrawal requests. The platform may request verification at any point during the account lifecycle, including immediately upon registration or following specific transaction thresholds.

The following documents are typically required:

• Proof of Identity: A clear, colour copy of a government-issued photo identification document (Aadhaar card, PAN card, passport, or driving licence). The document must be valid, display the user’s full name, date of birth, photograph, and document number.
• Proof of Address: A recent utility bill, bank statement, or government-issued document displaying the user’s full name and residential address. The document must be dated within the last 90 days.
• Payment Method Verification: Copies of bank cards (showing the first six and last four digits only), bank statements, or screenshots of e-wallet accounts confirming ownership and linking the payment method to the user’s verified identity.
• Selfie Verification: A photograph of the user holding their identification document next to their face, ensuring both the document and facial features are clearly visible.

All submitted documents must be legible, unaltered, and display complete information. Cropped, edited, or poor-quality images will be rejected. Users are responsible for ensuring that all documentation meets the platform’s verification standards. Repeated submission of inadequate documentation may result in account restrictions.

1win applies transaction limits and monitoring thresholds to identify unusual activity patterns that may indicate money laundering, fraud, or other prohibited conduct. Users who exceed these thresholds or exhibit irregular transaction behaviour may be subject to enhanced due diligence procedures.

The platform monitors the following transaction indicators:

• Deposit and withdrawal amounts that significantly exceed the user’s historical activity patterns.
• Rapid deposits followed by immediate withdrawal requests without meaningful gaming activity.
• Frequent deposits from multiple payment sources within a short time frame.
• Transactions involving payment methods inconsistent with the user’s verified profile or geographic location.
• Patterns suggesting the use of the platform for fund transfers rather than legitimate gaming purposes.

Users flagged by automated monitoring systems will receive requests for additional documentation or information. Withdrawal processing may be delayed pending the completion of compliance reviews. The platform is not obligated to disclose the specific criteria used to identify suspicious activity.

1win is legally obligated to report suspicious transactions and activities to financial intelligence units and regulatory authorities as required by anti-money laundering legislation. Users have no right to prior notice when their account or transaction history is reported to authorities.

The platform may freeze accounts, reverse transactions, or withhold funds pending the outcome of an internal investigation or external inquiry. Users are required to cooperate fully during such investigations, including providing additional documentation, clarifying transaction purposes, and responding to compliance inquiries in a timely manner.

Failure to respond to compliance requests within the specified timeframe may result in permanent account closure and forfeiture of funds. The platform will not process withdrawal requests or restore account access until all compliance concerns are resolved to the satisfaction of the platform’s legal and compliance teams.

All personal and financial information collected during the KYC process is stored securely and processed in accordance with applicable data protection regulations. 1win employs encryption, secure servers, and restricted access protocols to protect user data from unauthorised access or disclosure.

User information may be shared with third-party service providers, payment processors, regulatory authorities, and law enforcement agencies as required to fulfil legal obligations or maintain platform security. Users consent to such disclosures by registering and using the platform.

The platform retains user data for a minimum of five years following account closure or the last transaction, as required by anti-money laundering legislation. Users may request access to their personal data or seek corrections to inaccurate information by contacting customer support. Requests for data deletion will be evaluated on a case-by-case basis and may be denied if retention is required by law.

Users who fail to comply with KYC requirements, verification requests, or AML policies may face the following consequences:

• Immediate suspension of account access and withdrawal privileges.
• Reversal of pending transactions or confiscation of funds pending resolution of compliance issues.
• Permanent account closure and forfeiture of account balances in cases of suspected fraud or money laundering.
• Reporting of suspicious activity to relevant regulatory authorities and law enforcement agencies.
• Legal action to recover losses or pursue criminal charges in cases involving serious violations.

The platform is under no obligation to provide advance notice before implementing these measures. Users are solely responsible for ensuring compliance with all verification and documentation requirements.

1win reserves the right to update or amend this Anti-Money Laundering and KYC Policy at any time to reflect changes in regulatory requirements, industry standards, or operational practices. Users will be notified of material changes through email, platform notifications, or updates to this policy page.

Continued use of the platform following policy updates constitutes acceptance of the revised terms. Users who do not agree with updated policies must cease using the platform and withdraw any remaining account balances subject to completion of all verification and compliance procedures.

For questions or concerns regarding this policy, users may contact the compliance team through the platform’s customer support channels. The platform does not provide legal advice and recommends that users consult independent legal counsel regarding their obligations under applicable anti-money laundering legislation.