KYC Policy

Lucky Stripe Ltd || Last updated: 13.11.2025

1. Purpose and Scope

• 1.1. This Know Your Customer («KYC») Policy sets out the identification, verification and due diligence requirements applied by Lucky Stripe Ltd («Lucky Stripe», «Company») to all customers who register and use our online gaming services.

• 1.2. The objective of this Policy is to:

  • prevent the use of Lucky Stripe for money laundering, terrorist financing and other financial crimes;
  • ensure compliance with the Anjouan Offshore Financial Authority (AOFA) license conditions;
  • protect customers from fraud, identity theft and account misuse;
  • support responsible gambling practices.

• 1.3. This Policy applies to all individuals who:

  • register an account;
  • deposit or withdraw funds;
  • participate in gameplay, promotions or bonuses;
  • interact with payments, support or verification processes.

2. KYC Principles

Lucky Stripe adheres to the following KYC principles:

• Know Your Customer: understanding who the customer is and verifying their identity.
• Risk-Based Approach: conducting additional checks for higher-risk customers.
• Ongoing Monitoring: continuously reviewing customer activity and updating records.
• No Anonymous Accounts: prohibiting registration and operation of anonymous or fictitious users.
• Age Verification: strictly ensuring customers are 18+ or above the legal gambling age in their jurisdiction.

3. Customer Identification Requirements

3.1. Customers must provide accurate and complete information during registration, including:

• full legal name
• date of birth
• country of residence
• physical address
• email address
• valid phone number
• preferred currency

3.2. Customers must confirm the accuracy of information provided and update it if it changes.

4. Verification Procedures (CDD)

Verification is conducted before:

• first withdrawal;
• reaching internal deposit thresholds;
• triggering risk alerts;
• or earlier, if required by PSP obligations or internal AML monitoring.

4.1 Identity Verification Documents

Accepted documents include:

• Passport (international or national)
• National identity card
• Driving licence with photo

Requirements:

• must be valid (not expired);
• photo, full name and date of birth must be visible;
• must be clearly readable (no blur, reflections, cropping).

4.2 Proof of Address (POA)

Accepted POA documents include:

• utility bill (electricity, water, gas, internet)
• bank statement
• government-issued residence certificate
• tax or insurance statement

Requirements:

• issued within the last 3 months;
• shows full name and address;
• in Latin or Cyrillic alphabet. If not, the Company may require a video verification.

4.3 Payment Method Verification

To ensure funds belong to the customer:

• bank cards → may require a masked photo showing first 6 / last 4 digits + name
• bank accounts → may require a bank statement showing name & IBAN
• e-wallets → may require screenshot from within the wallet account
• crypto → may require wallet ownership confirmation (depending on PSP rules)

Third-party payments are not permitted.

4.4 Age Verification

Customers must be 18+ or above local legal gambling age. If documents fail to confirm age, the account is suspended until resolved.

5. Enhanced Due Diligence (EDD)

EDD is applied when:

• customer is a PEP or related to a PEP;
• customer is from a high-risk region;
• behaviour is inconsistent or suspicious;
• unusually high-volume transactions occur;
• rapid movement of funds («in—out»);
• customer refuses to provide requested documents;
• PSP alerts indicate potential fraud or ML patterns.

EDD may include:

• additional identification documents;
• Source of Funds (SoF) documents (payslips, bank statements, tax returns, etc.);
• Source of Wealth (SoW) where relevant;
• video verification;
• lower limits on withdrawals or deposits;
• extended monitoring periods.

6. Ongoing Monitoring

Lucky Stripe continuously monitors:

• deposit and withdrawal patterns
• ratio of deposits to gameplay
• device fingerprints, IPs and geolocation
• unusual login behaviour
• bonus abuse patterns
• repeated failed verification attempts
• multiple accounts linked by device, IP or payment method

If anomalies are detected, the Compliance Officer may:

• request updated documentation;
• restrict withdrawals;
• suspend the account;
• escalate the case under AML procedures.

7. Prohibited Practices

Customers may not:

• use third-party payment methods;
• share accounts;
• register multiple accounts;
• falsify documents;
• attempt to bypass KYC/AML checks;
• use VPN to manipulate jurisdiction restrictions;
• act as a payment intermediary.

Violations may lead to account closure, fund confiscation, or reporting to authorities.

8. Bonuses and Wagering (as KYC/AML Control)

Deposited funds must generally be wagered at least once before withdrawal. Bonus abuse triggers additional checks, and withdrawals may be delayed until KYC is completed.

9. Data Protection & Confidentiality

• All KYC/AML documents are stored securely and with restricted access.
• Data is retained for at least 5 years after account closure.

10. Sanctions, PEP & Adverse Media Screening

• We screen for sanctions, PEP status and adverse media.
• Positive matches result in Compliance Officer review and possible suspension or refusal of service.

11. Refusal, Suspension or Termination of Accounts

The Company may refuse or close accounts if:

• KYC is not completed;
• documents appear forged or inconsistent;
• customer poses ML/TF risk;
• fraud or abuse is detected;
• payment methods cannot be verified.

12. Training

Employees receive onboarding and refresher KYC/AML training, including:

• identity verification basics;
• document fraud detection;
• handling suspicious cases;
• internal escalation procedures.

13. Reporting Suspicious Activity

Staff must escalate suspicious behaviour immediately. Customers are not informed to avoid «tipping-off.»

14. Review and Updates

This Policy is reviewed annually and after major operational or regulatory changes. Updates require Board or senior management approval.

15. Contact

For any questions regarding this KYC Policy: support@lucky-stripe.com