KYC and Verification

At Millioner, maintaining a secure and trustworthy environment for all our players is paramount. Identity verification, a process commonly known as Know Your Customer (KYC), is a fundamental requirement for licensed online gambling operators. This process helps us confirm that you are who you claim to be, safeguarding your account from unauthorized access and preventing fraudulent activities. It also ensures compliance with legal and regulatory obligations, protecting both you and Millioner from financial crime.

KYC, or Know Your Customer, refers to the mandatory process of identifying and verifying the identity of our customers. This involves collecting and reviewing specific personal documentation. The primary goals of KYC are to:

• Prevent identity theft and fraud.
• Comply with anti-money laundering (AML) and counter-terrorist financing (CTF) regulations.
• Ensure that players meet the minimum legal age for gambling.
• Promote responsible gaming practices.
• Maintain the integrity of our platform and the wider financial system.

Millioner conducts KYC checks in accordance with the requirements set by our licensing authority.

Verification is an ongoing process that may be triggered at various stages of your journey with Millioner. You should expect to undergo verification:

• Upon Registration: We may conduct initial checks when you first create an account.
• Before Your First Withdrawal: It is standard practice to verify your identity before processing your first withdrawal request to ensure funds are sent to the rightful account holder.
• When Depositing Large Amounts: Significant deposits may trigger additional verification checks.
• Cumulative Transactions: If your total deposits or withdrawals reach certain thresholds over a period, further verification may be required.
• Suspicious Activity: Any activity on your account that appears unusual or potentially fraudulent will prompt immediate verification.
• Periodic Reviews: We conduct regular reviews of customer information to ensure it remains accurate and up-to-date.
• Changes in Personal Information: If you update your name, address, or payment methods, we may request new verification documents.

To complete the verification process, Millioner may request several types of documents. These are typically categorized as proof of identity, proof of address, and proof of payment method. All documents must be clear, legible, and valid, showing all four corners of the document. We recommend submitting high-quality scans or photographs.

To confirm your identity, we generally require one of the following official government-issued documents:

• Passport: A valid, unexpired passport showing your photograph, full name, date of birth, place of birth, nationality, signature, and the document's expiry date.
• National Identity Card: A valid, unexpired national ID card showing your photograph, full name, date of birth, and the document's expiry date. Both front and back sides may be required.
• Driver's License: A valid, unexpired driver's license showing your photograph, full name, date of birth, and the document's expiry date. Both front and back sides may be required.

The name on your identification document must match the name registered on your Millioner account.

To verify your residential address, we require a document issued within the last three months (unless otherwise specified) that clearly displays your full name and current address. Acceptable documents include:

• Utility Bill: Such as electricity, gas, water, or internet bill. Mobile phone bills are generally not accepted.
• Bank Statement: A statement from a recognized financial institution.
• Credit Card Statement: A statement from a recognized financial institution.
• Government-Issued Correspondence: For example, a tax statement or official letter from a government agency.

The name and address on the document must match the details registered on your Millioner account.

To ensure the security of your transactions and to prevent unauthorized use of payment instruments, we may ask you to verify the payment methods used on your Millioner account. The specific documents required will depend on the payment method:

• Credit/Debit Cards: A copy of the front and back of the card. For security, please obscure the middle eight digits of the card number on the front and the CVV/CVC code on the back. Your name, the first six and last four digits of the card number, and the expiry date must be visible.
• E-Wallets (e.g., Skrill, Neteller): A screenshot of your e-wallet account page showing your name, email address, and account ID.
• Bank Transfers: A copy of a bank statement or a screenshot of your online banking portal showing your name, account number, and the bank's logo.

The name on the payment method must match the name registered on your Millioner account.

In certain circumstances, particularly for larger transactions or if regulatory requirements demand it, Millioner may be required to conduct Enhanced Due Diligence (EDD). This includes requesting information and documentation regarding your Source of Funds (SOF) or Source of Wealth (SOW). This is a legal obligation to prevent money laundering and terrorist financing.

Examples of documents that may be requested include:

• Bank statements showing the origin of funds.
• Pay slips or employment contracts.
• Proof of inheritance or property sale.
• Business ownership documents.

Any information provided will be treated with the strictest confidentiality and used solely for compliance purposes.

Once you submit your documents, our dedicated verification team will review them. We aim to process all verification requests as quickly as possible. The standard processing time is typically within 24 to 48 hours, although this can vary depending on the volume of requests and the clarity of the documents provided. You will be notified via email or through your Millioner account messaging system once your verification is complete or if further information is needed.

Millioner takes the security of your personal data and documents very seriously. All submitted documents are encrypted and stored securely on our servers, protected by advanced security protocols. Access to your documents is strictly limited to authorized personnel involved in the verification process. We comply with all relevant data protection laws, including GDPR, ensuring your information is handled with the utmost care and confidentiality. Your data will not be shared with third parties except where legally required by our licensing authority or other regulatory bodies.

Millioner operates under strict anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. Our KYC procedures are a critical component of our AML framework. We are legally obligated to monitor transactions and report any suspicious activity to the relevant authorities. By conducting thorough identity verification, we play our part in preventing financial crime and maintaining the integrity of the financial system. We appreciate your cooperation in helping us meet these important obligations.

A core aspect of our verification process is age verification. Gambling is strictly prohibited for individuals under the legal age of 18 (or the legal age of majority in your jurisdiction, if higher). Our KYC procedures are designed to confirm that all our players meet this age requirement. Millioner is committed to protecting minors and preventing underage gambling. Any account found to belong to an underage individual will be immediately closed, and any winnings forfeited.

While we strive for quick verification, delays can occur if the submitted documents are unclear, incomplete, or do not meet our requirements. If your verification is delayed, we will contact you to explain why and request additional information or clearer copies of documents. If verification is ultimately unsuccessful, for example, if we cannot confirm your identity or if you fail to provide the necessary documents within a reasonable timeframe, your Millioner account may be suspended or closed, and you may be unable to withdraw funds. We will always communicate the reasons for such actions.

If you have any questions about the KYC process, the documents required, or the status of your verification, please do not hesitate to contact our dedicated Customer Support team. You can reach us via live chat or email, and our representatives will be happy to assist you through every step of the process. We are here to ensure your experience with Millioner is as smooth and secure as possible.