This Anti-Money Laundering and Know Your Customer Policy ("Policy") sets out the obligations and procedures that bet ninja mobile applies to all accounts registered at betninjamobile.com. As a licensed operator under the UK Gambling Commission (UKGC), bet ninja mobile is legally required to maintain robust controls to prevent financial crime, protect the integrity of our platform, and safeguard our customers. This Policy applies to every player, transaction, and account on the site.

1. Legal Basis and Regulatory Framework

bet ninja mobile operates under a licence granted by the UK Gambling Commission, one of the most stringent regulatory bodies in the iGaming industry. Our obligations under this licence are reinforced by the following primary legislation and regulatory frameworks:

• The Proceeds of Crime Act 2002 (POCA)
• The Terrorism Act 2000 and the Terrorism Act 2006
• The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (as amended)
• The UK Gambling Commission's Licence Conditions and Codes of Practice (LCCP)
• Financial Action Task Force (FATF) Recommendations

Compliance with these obligations is not optional. All customers using betninjamobile.com are subject to this Policy as a condition of registration and continued access to our services.

2. Purpose of This Policy

The objectives of this Policy are to:

• Prevent betninjamobile.com from being used as a vehicle for money laundering, terrorist financing, or other financial crime
• Verify the identity of all customers before processing deposits, withdrawals, or the award of bonuses
• Identify and assess the source of funds deposited or wagered on the platform
• Monitor account activity on an ongoing basis and flag unusual or suspicious behaviour
• Meet all reporting obligations to the relevant authorities, including the National Crime Agency (NCA)
• Maintain accurate records in line with statutory retention requirements

3. What Is Money Laundering?

Money laundering is the process by which criminals attempt to disguise the origins of illegally obtained funds, making them appear to come from a legitimate source. In the context of online gambling, this can involve placing illicit funds as deposits, generating apparent "winnings," and then withdrawing those funds through standard banking channels. bet ninja mobile is committed to ensuring that its platform cannot be used for this purpose at any stage.

The three recognised stages of money laundering are:

• Placement — introducing illegal funds into the financial system, for example by depositing them into a gambling account
• Layering — obscuring the trail through a series of complex transactions or transfers
• Integration — returning the funds to the criminal as apparently legitimate income

4. Know Your Customer (KYC) — Overview

KYC is the process by which bet ninja mobile verifies the identity of its customers, confirms the legitimacy of their source of funds, and assesses the risk they may present in the context of money laundering or financial crime. KYC is not a one-off exercise — it is an ongoing obligation that continues for the lifetime of an account.

All customers must successfully complete KYC verification. Where a customer cannot be verified to the required standard, bet ninja mobile reserves the right to restrict, suspend, or close the account and to withhold or return funds as appropriate under applicable law and UKGC guidance.

5. Customer Due Diligence (CDD)

Standard Customer Due Diligence is applied to all accounts on betninjamobile.com. CDD involves collecting and verifying personal information to confirm that customers are who they claim to be. The following information is required as a minimum:

• Full legal name
• Date of birth (customers must be 18 years of age or older)
• Residential address
• Valid email address
• Contact telephone number

In addition to collecting this information, bet ninja mobile will verify it against reliable, independent sources. This may be done electronically through automated identity verification tools or by requesting supporting documentation from the customer directly.

5.1 Identity Verification Documents

Customers may be asked to provide one or more of the following documents to confirm their identity:

• A valid passport (photo page)
• A current driving licence (full or provisional, with photo)
• A national identity card issued by a recognised government authority

Documents must be current and legible. Expired documents will not be accepted. Copies must clearly show the customer's full name, date of birth, and photograph. bet ninja mobile may request that documents be submitted as clear scanned images or high-quality photographs through our secure verification portal.

5.2 Proof of Address

To verify a customer's residential address, one of the following may be required:

• A recent utility bill (gas, electricity, water, or landline telephone) dated within the last three months
• A bank or building society statement dated within the last three months
• A council tax bill for the current year
• An official government-issued letter dated within the last three months

The document must clearly display the customer's full name and current address. P.O. Box addresses are not accepted as proof of residential address.

5.3 Proof of Payment Method

Where a customer has deposited using a payment method such as a debit card (Visa or Mastercard), e-wallet (PayPal, Skrill, or Neteller), or bank transfer, we may require verification that the customer is the legitimate owner of that payment method. This may include:

• A photograph or screenshot of the payment card (showing only the first six and last four digits — the middle digits and CVV must be obscured)
• A screenshot of the e-wallet account confirming the account holder's name and email address
• A redacted bank statement confirming the account holder's name and sort code or IBAN

bet ninja mobile only accepts payments from accounts and cards held in the customer's own name. Third-party payment arrangements are not permitted under any circumstances.

6. Enhanced Due Diligence (EDD)

In certain circumstances, standard CDD is not sufficient, and bet ninja mobile will apply Enhanced Due Diligence. EDD involves a more detailed review of the customer's identity, activity, and source of funds. EDD is triggered by, but not limited to, the following situations:

• The customer is identified as a Politically Exposed Person (PEP) or a close associate of a PEP
• The customer is a national of, or based in, a high-risk jurisdiction as identified by FATF or the UK Government
• The customer's account activity is inconsistent with their stated profile or financial circumstances
• Deposits or wagering levels are significantly disproportionate to what might reasonably be expected given the customer's profile
• The customer requests an unusually large withdrawal, particularly one that is disproportionate to their gambling activity
• Automated transaction monitoring flags unusual patterns in deposits, stakes, or withdrawals
• The customer is identified on a sanctions list or watch list

Under EDD, customers may be asked to provide additional documentation including, but not limited to, evidence of source of funds (such as payslips, tax returns, bank statements, or evidence of business income), and source of wealth information where relevant. bet ninja mobile may also conduct additional checks using third-party screening tools.

6.1 Politically Exposed Persons (PEPs)

A Politically Exposed Person is an individual who holds, or has held, a prominent public function, including but not limited to senior government officials, members of parliament, senior judicial or military officials, senior executives of state-owned enterprises, and their immediate family members and known close associates. bet ninja mobile screens all customers against PEP databases at onboarding and on an ongoing basis. PEPs are subject to automatic EDD regardless of their account activity levels.

6.2 Sanctions Screening

All customers are screened against relevant sanctions lists at registration and monitored on an ongoing basis. These include lists maintained by HM Treasury's Office of Financial Sanctions Implementation (OFSI), the United Nations Security Council, and other applicable authorities. Where a match is identified, the account will be suspended immediately and the matter referred to the designated compliance officer for review and, where required, reported to the appropriate authority.

7. Ongoing Monitoring

KYC is not a single event. bet ninja mobile monitors all customer accounts continuously throughout the relationship. Our monitoring systems are designed to identify changes in customer behaviour, transaction patterns, or risk profile that may indicate suspicious activity or require further verification. Ongoing monitoring activities include:

• Automated transaction monitoring to detect unusual deposit or withdrawal patterns
• Review of deposit volumes and frequency relative to stated customer profile
• Monitoring of wagering behaviour for patterns inconsistent with genuine recreational play
• Periodic re-verification of identity and source of funds documents, particularly where a customer's risk rating changes
• Screening of customers against updated PEP and sanctions databases
• Review of withdrawal requests, particularly those that are large, sudden, or disproportionate to activity

Where monitoring identifies a concern, the account may be restricted pending further investigation. Customers will be contacted through the details held on their account and asked to provide any additional information required.

8. Source of Funds and Source of Wealth

For customers whose activity reaches certain thresholds, or where concerns arise from account monitoring, bet ninja mobile will request evidence of the origin of the funds being deposited and/or wagered on the platform. This is distinct from proof of identity — it is an assessment of whether the funds being used are legitimately derived.

Acceptable evidence of source of funds may include:

• Recent payslips or an employment contract confirming salary
• Self-assessment tax returns or accounts for self-employed individuals
• Bank statements showing regular income consistent with stated employment
• Evidence of a business sale, inheritance, or other one-off receipt
• Pension or investment income statements
• Dividend or shareholder distribution documentation

Requests for source of funds information are made in good faith and in accordance with our regulatory obligations. Failure or refusal to provide this information in a timely manner may result in account restrictions or closure.

9. When KYC Verification Is Required

bet ninja mobile applies a risk-based approach to the timing of KYC verification. However, the following are firm thresholds at which verification will be required before any further activity is permitted on the account:

• Prior to processing any withdrawal request, regardless of amount — the minimum withdrawal at betninjamobile.com is £10
• Prior to the award or release of any promotional bonus or free spins where verification has not already been completed
• Where cumulative deposits reach a level that triggers our internal monitoring thresholds
• Where account activity triggers an enhanced due diligence review
• At any point where bet ninja mobile deems it necessary to confirm the identity, address, or source of funds of a customer

Customers are encouraged to complete verification proactively to avoid delays when requesting withdrawals. Verification documents can be submitted via the account portal at any time.

10. Suspicious Activity and Reporting

bet ninja mobile is legally required to file a Suspicious Activity Report (SAR) with the National Crime Agency (NCA) where we know, suspect, or have reasonable grounds to suspect that a person is engaged in money laundering or terrorist financing. This obligation arises under the Proceeds of Crime Act 2002 and the Terrorism Act 2000.

Filing a SAR is a confidential legal process. bet ninja mobile is prohibited by law from disclosing to a customer or any third party that a SAR has been, or may be, filed — this is referred to as the "tipping off" prohibition under POCA. Accordingly, where an investigation or report is underway, bet ninja mobile staff will not inform the customer of the nature of any review.

Indicators that may lead to a SAR being filed include, but are not limited to:

• Deposits followed promptly by withdrawal requests with minimal or no wagering activity
• Multiple small deposits designed to remain below monitoring thresholds (structuring)
• Use of multiple payment methods inconsistent with the customer's profile
• Attempts to use third-party payment methods
• Wagering patterns with very low variance that appear designed to generate a withdrawable balance rather than engage with games genuinely
• Inconsistencies in personal information provided across different stages of the account lifecycle
• Customers who are reluctant or unable to provide identity or source of funds documentation

11. Deposits, Withdrawals, and Payment Method Controls

All deposits and withdrawals at betninjamobile.com are subject to AML controls. The following principles apply to all transactions:

• The minimum deposit is £10 and the minimum withdrawal is £10
• Deposits are accepted via Visa, Mastercard, PayPal, Skrill, Neteller, Paysafecard, and bank transfer — all through verified, regulated processing channels
• Withdrawals are paid back to the same method used to deposit, wherever technically possible, to maintain a consistent payment trail
• Third-party deposits and withdrawals are strictly prohibited — funds must come from, and be returned to, accounts held in the customer's own name
• Paysafecard is accepted for deposits only; withdrawals cannot be processed to Paysafecard
• Cash transactions are not accepted under any circumstances
• All payment processing runs through verified, regulated channels as required by our UKGC licence

Where a withdrawal cannot be returned to the original deposit method, the customer will be required to provide alternative verified payment details and may be subject to additional KYC checks before the withdrawal is processed.

12. Record Keeping

bet ninja mobile retains records in accordance with its obligations under the Money Laundering Regulations 2017. Specifically:

• Customer identification and verification records are retained for a minimum of five years from the date of the end of the customer relationship
• Transaction records, including all deposits, withdrawals, and wagers, are retained for a minimum of five years from the date of the transaction
• Records of any internal or external suspicious activity reports are retained for a minimum of five years from the date of the report

All records are held securely in accordance with our Privacy Policy and applicable data protection legislation, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

13. Staff Training and Internal Controls

bet ninja mobile maintains an internal AML/KYC compliance programme that includes:

• Appointment of a designated Money Laundering Reporting Officer (MLRO) responsible for overseeing compliance and receiving internal suspicious activity disclosures
• Regular staff training on AML and KYC obligations, red flag indicators, and reporting procedures
• Internal audit and review of AML controls to ensure they remain effective and up to date
• A clear escalation procedure for staff who identify suspicious activity or have concerns about a customer account
• Risk-based policies and procedures that are reviewed and updated in line with changes to legislation, UKGC guidance, and FATF recommendations

14. Risk-Based Approach

bet ninja mobile applies a risk-based approach to AML and KYC, meaning that the level of scrutiny applied to a customer or transaction is proportionate to the risk that customer or transaction presents. Customers are assigned a risk rating at onboarding and this rating is reviewed on an ongoing basis. Factors that influence a customer's risk rating include:

• Jurisdiction of residence
• PEP or sanctions status
• Deposit and wagering volumes relative to stated financial profile
• Payment methods used and consistency of those methods over time
• Any previous concerns or flags on the account
• Source of funds information provided

Higher-risk customers are subject to EDD and more frequent ongoing monitoring. Lower-risk customers are subject to standard CDD with periodic review.

15. Responsible Gambling and AML Alignment

bet ninja mobile's responsible gambling obligations and its AML obligations are complementary. As a UKGC licensee, we are required to monitor customers for signs of both problem gambling and financial crime — and the tools we use to do so frequently overlap. In particular:

• Deposit limits (daily, weekly, or monthly) set by customers help us identify when a customer is depositing significantly beyond their usual pattern, which may indicate either problem gambling or unusual financial activity
• Reality checks and session time reminders provide data on customer behaviour over time, which forms part of our ongoing monitoring picture
• Self-exclusion requests are processed without delay, and where a self-excluded customer attempts to access the platform, this is treated as a priority compliance matter
• Cooling-off periods and account restrictions are applied promptly and are consistent with both our responsible gambling commitments and our AML controls

Customers who are self-excluded or who have set voluntary deposit limits will not receive marketing communications relating to bonuses or promotions for the duration of those restrictions, in line with UKGC requirements.

16. Age Verification

bet ninja mobile operates a strict minimum age policy. No person under the age of 18 may register an account or place a wager on betninjamobile.com. Age verification is carried out as part of the standard CDD process. Where age cannot be confirmed electronically at the point of registration, the account will be restricted until documentary proof of age has been provided and verified. Any funds deposited by a person who is subsequently found to be under 18 will be returned, and no winnings will be paid.

17. Customer Cooperation

By registering an account at betninjamobile.com, all customers agree to cooperate fully with bet ninja mobile's KYC and AML procedures. This includes:

• Providing accurate and complete information at the point of registration
• Notifying bet ninja mobile promptly of any change to personal details, including name, address, or contact information
• Submitting identity, address, and source of funds documents promptly when requested
• Ensuring that all funds deposited into the account are legitimately derived and in the customer's own name
• Not engaging in any activity designed to circumvent our AML or KYC controls

Failure to cooperate with KYC requests may result in account restriction, suspension, or closure. Where there are grounds to suspect financial crime, bet ninja mobile is entitled to withhold funds pending investigation and, if required, to refer the matter to the appropriate law enforcement authority.

18. Contact and Queries

If you have a question about this Policy or about the KYC verification process, our compliance team is available via our 24/7 live chat service or by email through the contact details listed on betninjamobile.com. Please note that our agents are not able to discuss the details of any ongoing compliance review or the contents of any suspicious activity report.

19. Policy Updates

This Policy is reviewed regularly by bet ninja mobile's compliance team to ensure it remains current with applicable legislation, UKGC guidance, and industry best practice. Where material changes are made to this Policy, customers will be notified by email and/or by a prominent notice on betninjamobile.com. Continued use of the site following notification of a policy update constitutes acceptance of the revised terms. The most current version of this Policy is always available at betninjamobile.com.