This Anti-Money Laundering and Know Your Customer Policy ("Policy") sets out the obligations of bet ninja mobile, operated at betninjamobile.uk, and the procedures we follow to prevent financial crime, verify player identities, and comply with applicable UK law and the requirements of our UK Gambling Commission ("UKGC") licence. All players are required to read and understand this Policy before registering an account.

1. Introduction and Legal Framework

Bet ninja mobile is a licensed online casino operating under a licence granted by the UK Gambling Commission. As a UKGC-licensed operator, we are subject to the Gambling Act 2005, the Proceeds of Crime Act 2002, the Terrorism Act 2000, the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (as amended), and all associated regulatory codes and guidance issued by the UKGC.

These obligations require us to maintain robust systems to detect, prevent, and report money laundering, terrorist financing, and any other financial crime. Compliance is not optional — it is a core condition of our licence, and any failure to comply could result in sanctions against the business and referral to the relevant authorities.

This Policy applies to every player who registers an account at betninjamobile.uk, regardless of payment method, deposit volume, or the nature of their activity on the site.

2. Definitions

• AML — Anti-Money Laundering: the legal framework and internal controls designed to prevent the use of gambling services to launder criminally obtained funds.
• KYC — Know Your Customer: the process by which we verify the identity, address, and (where relevant) source of funds of each player.
• Money Laundering — the process of disguising the proceeds of crime to make them appear legitimate, typically by passing them through a legitimate business such as an online casino.
• Terrorist Financing — providing or collecting funds with the intention or knowledge that they will be used to carry out terrorist activity.
• Politically Exposed Person (PEP) — an individual who holds, or has held within the preceding 12 months, a prominent public function, or a close associate or family member of such an individual.
• Enhanced Due Diligence (EDD) — additional verification measures applied to higher-risk players, including PEPs and those triggering specific risk indicators.
• Source of Funds (SoF) — evidence demonstrating the origin of the money a player uses to fund their account.
• Source of Wealth (SoW) — evidence demonstrating the origin of a player's overall accumulated wealth.
• MLRO — Money Laundering Reporting Officer: the designated individual responsible for receiving, assessing, and where appropriate reporting suspicious activity to the National Crime Agency ("NCA").

3. Our Commitment

Bet ninja mobile is committed to ensuring that betninjamobile.uk is not used as a vehicle for money laundering or any other form of financial crime. We maintain a zero-tolerance approach to such activity. Where we have reasonable grounds to suspect that funds deposited, wagered, or withdrawn on the site may be connected to criminal activity, we will take immediate action, which may include account suspension, withholding of funds, and the submission of a Suspicious Activity Report ("SAR") to the National Crime Agency.

We will co-operate fully with the UKGC, law enforcement agencies, and other competent authorities in any investigation related to financial crime connected to activity on our platform.

4. Responsibility and Governance

Overall responsibility for the design and implementation of this Policy rests with senior management at bet ninja mobile. Day-to-day compliance is overseen by our designated Money Laundering Reporting Officer (MLRO), who holds the appropriate level of seniority and expertise to discharge this function effectively.

The MLRO is responsible for:

• Receiving and assessing internal suspicious activity reports from operational staff.
• Determining whether a Suspicious Activity Report should be submitted to the National Crime Agency.
• Maintaining records of all KYC documentation, transaction monitoring outputs, and compliance decisions.
• Ensuring this Policy is reviewed and updated in line with regulatory developments.
• Overseeing AML training for all relevant personnel.

Staff members who identify suspicious activity or have AML/KYC concerns are required to report these to the MLRO promptly. Tipping off a player that they are under investigation, or that a SAR has been or may be filed, is a criminal offence under the Proceeds of Crime Act 2002.

5. Risk-Based Approach

Bet ninja mobile applies a risk-based approach to AML and KYC compliance, as required by the Money Laundering Regulations 2017. This means we assess the level of risk presented by each player and apply verification and monitoring measures proportionate to that risk.

Risk factors we consider include, but are not limited to:

• The player's country of residence or nationality.
• The payment methods used and whether they present anonymity or traceability concerns.
• The volume and frequency of deposits and withdrawals.
• The speed with which deposited funds are withdrawn with minimal wagering activity.
• Whether the player is identified as a PEP or subject to sanctions.
• Patterns of play that appear inconsistent with stated occupation or known financial circumstances.
• Multiple accounts, shared payment instruments, or attempts to circumvent verification.

Players assessed as presenting a higher risk will be subject to Enhanced Due Diligence. Players assessed as lower risk will still be subject to our standard verification requirements — risk-based does not mean exempt.

6. Know Your Customer (KYC) — Verification Requirements

6.1 When Verification Is Required

Verification may be required at any of the following stages:

• Upon registration of an account at betninjamobile.uk.
• Before a withdrawal request is processed.
• When a player's cumulative deposits exceed a threshold that triggers our internal risk controls.
• When a player's betting or withdrawal patterns trigger our transaction monitoring systems.
• Where we have any reason to question the accuracy of previously provided information.
• Periodically, as part of ongoing due diligence on existing accounts.

Bet ninja mobile reserves the right to request KYC documentation at any time. Funds will not be released on withdrawal until verification is completed to our satisfaction. Where verification cannot be completed, we reserve the right to return deposits to their original payment method and close the account.

6.2 Identity Verification

All players must provide proof of identity. Acceptable documents include:

• Valid passport (photo page).
• Valid UK photocard driving licence (full or provisional).
• National identity card (where applicable).

Documents must be:

• Valid and not expired at the time of submission.
• Clearly legible — all four corners visible, no glare obscuring text or photograph.
• Submitted as a high-quality scan, photograph, or digital copy.

6.3 Address Verification

All players must provide proof of residential address. Acceptable documents include:

• Utility bill (gas, electricity, water, or landline telephone) issued within the last three months.
• Bank or building society statement issued within the last three months.
• Council tax bill for the current financial year.
• HMRC correspondence issued within the last six months.
• Mortgage statement issued within the last 12 months.

The document must display the player's full name and residential address as provided at registration. P.O. Box addresses are not accepted for this purpose.

6.4 Payment Method Verification

We may require verification of the payment methods associated with a player's account. This ensures that the individual depositing and withdrawing funds is the account holder, and that the payment instruments are not being used fraudulently.

Funds deposited via a specific payment method will ordinarily be returned to the same method on withdrawal, in line with our anti-money-laundering obligations. We do not process withdrawals to payment methods that have not been used to deposit, except where this is unavoidable (for example, where a card has expired), in which case additional verification will be required.

6.5 Age Verification

Players must be 18 years of age or over to register and play at betninjamobile.uk. This is a legal requirement under UK law. We use age verification checks as part of the registration process. Where we cannot confirm a player's age, or where we have reason to believe that a player may be under 18, the account will be suspended pending satisfactory verification. Any funds deposited by a person found to be under 18 will be returned and no winnings will be paid.

7. Source of Funds and Source of Wealth

7.1 When Source of Funds Evidence Is Required

Where a player's deposit activity, withdrawal requests, or overall account profile indicate a level of financial exposure that warrants further scrutiny, we will request evidence of the source of the funds being used to gamble at betninjamobile.uk. This is a standard AML requirement and is not an accusation of wrongdoing.

Source of funds checks may be triggered by, among other things:

• Cumulative deposits reaching a level that is inconsistent with a player's apparent financial profile.
• Large single deposits or frequent high-volume deposits.
• Rapid cycling of funds through the account with limited play.
• Withdrawal requests for amounts significantly in excess of net gaming activity.
• Information that suggests a player's stated occupation is inconsistent with observed spending.

7.2 Acceptable Source of Funds Evidence

Evidence acceptable to demonstrate source of funds includes:

• Recent payslips or employer letter confirming salary.
• Bank statements showing regular income credits.
• Evidence of a business dividend, profit distribution, or self-employment income (e.g. SA302 or accountant's letter).
• Evidence of a pension, investment, or savings account withdrawal.
• Solicitor's letter or completion statement confirming proceeds from a property sale.
• Evidence of an inheritance or gift (e.g. probate documents, gift letter).
• Evidence of a legal settlement, insurance pay-out, or compensation award.

Where source of wealth evidence is required (for example, in the case of high-volume players or PEPs), we may additionally request broader documentation demonstrating how a player accumulated their overall wealth. The specific documents required will depend on the player's circumstances and will be communicated directly.

7.3 Failure to Provide Evidence

Where a player fails to provide satisfactory source of funds or source of wealth evidence within the timeframe requested, bet ninja mobile reserves the right to suspend account activity, decline withdrawal requests, and — where appropriate — return deposits to their source. Where we have grounds to suspect money laundering, failure to provide documentation may result in a SAR being filed with the National Crime Agency.

8. Ongoing Monitoring

KYC is not a one-time process. Bet ninja mobile operates a programme of ongoing due diligence on all active accounts. Our transaction monitoring systems review player activity continuously and flag patterns that may indicate money laundering, problem gambling, or other risks.

Indicators that may trigger a review include:

• Sudden changes in deposit frequency or volume.
• Significant deposits followed immediately by withdrawal requests with minimal play.
• Multiple payment methods used in a short period.
• Requests to change account details (name, address, bank account) without adequate explanation.
• Gameplay patterns inconsistent with genuine recreational gambling.
• Deposits using payment methods registered to third parties.
• Information received from third-party screening services indicating adverse media, sanctions, or PEP status.

Where a review is initiated, we may contact the player to request updated documentation or an explanation of their activity. The player's account may be restricted during this review period.

9. Politically Exposed Persons (PEPs) and Sanctions Screening

Bet ninja mobile screens all players against recognised PEP databases and international sanctions lists as part of the account registration process and on an ongoing basis thereafter. This includes lists maintained by HM Treasury, the Office of Financial Sanctions Implementation (OFSI), the United Nations, the European Union, and the US Office of Foreign Assets Control (OFAC), where relevant.

Where a player is identified as a PEP, or as a close associate or family member of a PEP, Enhanced Due Diligence will be applied automatically. This includes:

• Senior management approval before the account is permitted to operate.
• Mandatory source of funds and source of wealth documentation.
• Enhanced ongoing monitoring of account activity.
• More frequent periodic reviews of the player's risk profile.

Where a player is identified as being subject to financial sanctions, their account will be frozen immediately and the matter reported to OFSI and, where appropriate, the National Crime Agency. Bet ninja mobile will not process any transactions for sanctioned individuals or entities.

10. Suspicious Activity Reporting

Where bet ninja mobile identifies, suspects, or has reasonable grounds to suspect that a player is engaged in money laundering or terrorist financing, we are legally required to submit a Suspicious Activity Report to the National Crime Agency via the SAR Online system. This is a legal obligation under the Proceeds of Crime Act 2002 and the Terrorism Act 2000.

Where a SAR has been submitted or is being considered, bet ninja mobile may apply for a "consent" from the NCA before processing any transaction connected to the suspicious activity. During this period, account access may be suspended without notice or explanation to the player. We are prohibited by law from informing the player that a SAR has been filed or that a suspicion exists — this is known as the "tipping off" prohibition and applies to all staff.

Staff are trained to identify and escalate suspicious activity to the MLRO. All internal reports are assessed by the MLRO, who makes the final determination on whether to submit a SAR.

11. Document Submission and Data Handling

11.1 How to Submit Documents

Players are asked to submit KYC documentation through the secure account verification portal available when logged in to betninjamobile.uk. Alternatively, documents may be submitted by email to our compliance team, using the contact details provided in the account verification request. Documents submitted by email should be sent from the email address registered to the account.

All file uploads are protected by SSL encryption in transit. Bet ninja mobile does not accept physical copies of documents by post for standard KYC purposes.

11.2 Retention of Records

In accordance with Regulation 40 of the Money Laundering Regulations 2017, bet ninja mobile retains copies of all KYC documentation, transaction records, and supporting compliance decisions for a minimum of five years from the date on which the relevant transaction was completed or the business relationship ended, whichever is later. Records may be retained for longer where required by law or ongoing regulatory proceedings.

11.3 Data Protection

All personal data collected for AML and KYC purposes is processed in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Data is collected for the specific purpose of meeting our legal and regulatory obligations, is stored securely, and is not used for any purpose beyond compliance, fraud prevention, and the administration of your account. Further information is available in our Privacy Policy at betninjamobile.uk.

12. Payment Method Restrictions

In line with our AML obligations and UKGC requirements, the following restrictions apply to payments at betninjamobile.uk:

• We do not accept payments from third parties. All deposits must be made from an account or card held in the name of the registered account holder.
• We do not accept cash payments.
• Withdrawals will only be processed to verified payment methods previously used to deposit funds, except where an alternative arrangement has been approved by our compliance team following satisfactory verification.
• We do not process withdrawals to Paysafecard.
• The minimum deposit and withdrawal amount at betninjamobile.uk is £10. This applies across all accepted payment methods.
• Withdrawals are processed within 24 hours for e-wallet methods (PayPal, Skrill, Neteller) and Visa/Mastercard, and within up to 3 business days for bank transfers. These processing times may be extended where a KYC review is in progress.

13. Account Restrictions and Closure

Bet ninja mobile reserves the right to restrict, suspend, or permanently close any account where:

• A player fails to provide satisfactory KYC documentation within a reasonable timeframe.
• Documentation provided is suspected to be fraudulent, altered, or does not match the information provided at registration.
• We identify or suspect money laundering, fraud, or other criminal activity in connection with the account.
• The player is identified as a sanctioned individual or entity.
• Account activity is inconsistent with the player's stated profile and no satisfactory explanation is provided.
• Continued operation of the account would place bet ninja mobile in breach of its UKGC licence conditions or applicable law.

Where an account is closed due to suspected financial crime, any funds held may be withheld pending the outcome of an investigation and/or regulatory or law enforcement direction. Bet ninja mobile will not be liable for any losses arising from account restriction or closure carried out in good faith for compliance purposes.

14. Staff Training

All staff at bet ninja mobile with customer-facing or compliance-relevant responsibilities receive AML and KYC training appropriate to their role. This training covers:

• The legal framework governing AML and KYC in the UK gambling sector.
• How to recognise indicators of money laundering and suspicious activity.
• The internal process for reporting suspicions to the MLRO.
• The tipping-off prohibition and its practical implications.
• KYC documentation requirements and how to assess their adequacy.
• The PEP and sanctions screening process.

Training is reviewed and updated regularly to reflect changes in legislation, UKGC guidance, and emerging financial crime typologies. Records of staff training are maintained by the MLRO.

15. Interaction with Responsible Gambling Obligations

Our AML and KYC framework works alongside our responsible gambling programme. Financial indicators that may point to problem gambling — such as escalating deposits, rapid loss of funds, or requests to increase limits — are assessed alongside AML risk indicators as part of our overall player monitoring approach.

Where a player has set deposit limits (daily, weekly, or monthly) on their account, these limits are respected absolutely and are factored into our risk assessments. Where a player is subject to a self-exclusion or cooling-off period, their account will not be used to conduct financial transactions and KYC requests during this period will be handled sensitively.

Players who wish to discuss responsible gambling tools — including deposit limits, session reminders, reality checks, or self-exclusion — can contact our support team via 24/7 live chat or email at betninjamobile.uk. We also direct players to GamCare, BeGambleAware, and Gamblers Anonymous for independent support.

16. Complaints and Escalations

If you have a question or concern about the application of this Policy to your account — for example, regarding a verification request you believe is disproportionate or a decision we have made in relation to your funds — you may contact our compliance team via the support channels available at betninjamobile.uk.

We will acknowledge your complaint promptly and provide a substantive response within a reasonable timeframe. If you remain dissatisfied following our internal response, you may refer your complaint to the UK Gambling Commission or to an approved Alternative Dispute Resolution (ADR) provider, details of which are available on the UKGC's public register.

Please note that we are unable to discuss any matter that is subject to an active suspicious activity report or law enforcement investigation, in accordance with the tipping-off provisions of the Proceeds of Crime Act 2002.

17. Policy Review

This AML / KYC Policy is reviewed at least annually, or more frequently where required by changes in applicable legislation, UKGC guidance, or the risk environment in which bet ninja mobile operates. The current version of this Policy is always available at betninjamobile.uk. Players are encouraged to check this page periodically for updates. Continued use of the site following any update constitutes acceptance of the revised Policy.

This Policy was last reviewed in 2025 and reflects the obligations of bet ninja mobile as a UKGC-licensed operator as at the date of review.