Midnight Wins KYC & AML Policy

KYC and AML controls are applied to verify each account holder, reduce the risk of fraud and misuse, and to comply with United Kingdom regulatory requirements. These measures are an essential part of responsible gaming and the prevention of suspicious activity on the platform.

The KYC and AML framework aims to provide:

• Fair play in all betting and gaming activities
• User safety through robust security measures and account protection
• Transparency regarding how personal data is collected, checked and used
• Compliance with applicable anti-money laundering and counter-terrorist financing laws
• Protection of the integrity of payment systems and financial transactions
• A safer environment that supports responsible gaming practices

Every new user must complete ID verification so that the operator can confirm identity, age and place of residence before full access to services is granted. Additional identity check steps may be required at any time to meet ongoing regulatory requirements.

As part of KYC and document submission, users may be asked to provide:

• A valid government-issued photo identification document for ID verification
• A recent document showing current residential address for proof of address
• Evidence that the payment method used belongs to the account holder, such as a document proving ownership of a card or account
• Further personal data or documents where risk assessment or transaction patterns require enhanced checks

Midnight Wins applies a range of security measures to prevent money laundering, terrorist financing and other unlawful conduct. Ongoing transaction monitoring and review of account activity are carried out to identify suspicious activity and to ensure adherence to AML and CTF regulatory requirements.

Key AML controls include:

• Continuous monitoring of deposits, withdrawals and betting patterns for unusual or inconsistent behaviour
• Automated detection rules to flag potential misuse, including rapid movement of funds or irregular transaction structures
• Enhanced due diligence for higher-risk customers, events or jurisdictions, including additional identity check and document submission requirements
• Manual reviews of large, complex or unusual transfers where the source or purpose of funds may need clarification
• Risk scoring of customers and transactions to determine the level of monitoring and oversight required
• Screening against applicable sanctions lists and politically exposed person (PEP) databases
• Filing of internal reports and external reporting to competent authorities when suspicious activity or transactions are identified, in line with statutory reporting obligations

Certain activities are strictly forbidden as they undermine AML and KYC controls and place user safety and platform integrity at risk. Any attempt to bypass identity check procedures, transaction monitoring or other security measures is treated as a serious breach of this policy.

Prohibited actions include:

• Creating multiple accounts or using another person to open an account holder profile
• Providing forged, altered, stolen or otherwise invalid identification or address documents
• Attempting to use the platform to launder funds, disguise the origin of money or facilitate terrorist financing
• Manipulating systems or games, including collusion or use of automated tools that compromise fair play
• Sharing, selling or otherwise providing access to an account or login credentials to any third party
• Using payment instruments or accounts that are not legally owned or controlled by the registered account holder
• Misrepresenting identity, age, employment status, source of funds or beneficial ownership of funds used on the site

Breaches of AML, KYC or related security measures may result in immediate enforcement action in order to protect user safety, meet regulatory requirements and uphold fair play. Decisions are taken in line with applicable law, licence conditions and internal procedures.

Possible measures include temporary or permanent account suspension, freezing or confiscation of funds linked to suspicious activity, cancellation of bets or winnings, reporting to competent authorities where applicable.

Users are required to provide accurate, complete and current personal data during registration and throughout the lifetime of the account. Any change in name, address, contact details or payment information should be updated promptly so that account protection and regulatory requirements are maintained. All identity check and document submission requests must be completed in a timely manner, including any additional documents requested as part of enhanced due diligence.

Users must only use payment methods and accounts that are held in their own name as the registered account holder. Any sign of suspicious activity on an account, such as unauthorised access, unknown transactions or requests to share login details, should be reported to customer support without delay so that appropriate security measures can be taken.

The platform is operated in line with principles of fair play and transparency so that all users are treated consistently and gaming services remain safe and compliant. AML and KYC controls, together with responsible gaming policies, are designed to protect users and preserve the integrity of the online casino and sportsbook environment.

Core principles include:

• Full adherence to applicable KYC, AML and counter-terrorism financing regulatory requirements
• Respect for confidentiality and protection of personal data, subject to legal and reporting obligations
• Ongoing monitoring and investigation of transactions and behaviour where suspicious activity is identified
• Prevention of manipulation, collusion and other unfair behaviour that may affect game outcomes or other users
• Providing user support on safety, identity verification and account protection matters
• Recognising shared responsibility between the operator and each account holder for upholding this policy
• Ensuring equal conditions and consistent application of rules for all users, regardless of status or level of activity