Know Your Customer
Anti-Money Laundering अपने ग्राहक को जानें / मनी लॉन्ड्रिंग रोकथाम

KYC (Know Your Customer) is a mandatory identity verification process required by Indian law for all financial services including betting platforms. It involves verifying your identity (Aadhaar), address (Aadhaar/utility bill), PAN for tax purposes, and age (18+). Why it matters: (1) Legal compliance under the Prevention of Money Laundering Act (PMLA) 2002. (2) Age verification to prevent underage gambling. (3) Tax deduction (TDS) requires PAN. (4) Fraud prevention — ensures the account is yours, not stolen identity. (5) Faster dispute resolution with verified identity. (6) Smoother withdrawals without hold-ups. Completing KYC typically takes 10-15 minutes with digital Aadhaar verification.

Standard KYC requires the following documents: (1) Identity proof — Aadhaar card (preferred, enables digital verification) or Passport or Voter ID. (2) PAN card — Mandatory for tax compliance (TDS on winnings over ₹10,000). (3) Address proof — Aadhaar typically covers this. If your Aadhaar address is outdated, additional utility bill/bank statement may be needed. (4) Date of birth proof — Covered by Aadhaar. (5) Photograph — A selfie with your ID for liveness check. (6) Bank account details — For deposits/withdrawals (account in your name only). Extended KYC (for high-value users) may also require source-of-funds documentation, income proof, or video KYC call.

Absolutely yes. KYC data receives the highest level of security in our systems: (1) Encryption: All KYC documents are encrypted with AES-256 both in transit and at rest. (2) Masked storage: We store only masked versions (last 4 digits of Aadhaar, hash of PAN). (3) Access control: Only specifically authorized senior staff can access KYC data, and every access is logged. (4) UIDAI compliance: We use only UIDAI-approved digital Aadhaar APIs for verification. (5) No sharing: KYC documents are NEVER shared with third parties except as legally required (e.g., AML investigations by authorized agencies). (6) Secure transmission: Documents uploaded to WhatsApp use end-to-end encryption; our backend retrieval uses TLS 1.3. (7) Retention: Retained for 8 years post last transaction (PMLA requirement), then securely destroyed.

KYC verification is designed to be fast and user-friendly: (1) Digital Aadhaar eKYC: Near-instant (2-3 minutes) if you use Aadhaar OTP-based verification. (2) Document upload method: 15-30 minutes during business hours, up to 2 hours off-hours. (3) Video KYC (for high-value users): Scheduled 20-minute video call, completed within the call. (4) Enhanced due diligence (for unusual patterns): 24-72 hours with additional document review. Timing tips: (a) Start KYC during business hours for fastest processing. (b) Use clear, high-resolution document photos. (c) Ensure Aadhaar mobile number is active for OTP. (d) Have PAN card ready. (e) Answer our WhatsApp queries promptly. Most users are fully verified within 30 minutes and can start betting immediately.

AML (Anti-Money Laundering) refers to laws and procedures designed to prevent criminals from disguising illegally obtained money through financial systems. India's Prevention of Money Laundering Act (PMLA) 2002 requires all regulated financial services — including betting platforms — to implement AML controls. Why we do it: (1) Legal obligation under PMLA. (2) Prevents our platform from being used to launder illegal funds. (3) Protects honest users by keeping the ecosystem clean. (4) Maintains banking relationships (banks require AML compliance from partners). (5) International regulatory standards (our partner 4rabet must also comply). What AML involves: Transaction monitoring, source-of-funds verification for large amounts, suspicious activity reporting to Financial Intelligence Unit (FIU-IND), customer risk assessment, and enhanced due diligence for high-risk users. This protects the entire system, including you.

We may request source-of-funds documentation in these specific situations (as required by PMLA): (1) Large cumulative deposits — typically above ₹10 lakh in 12 months. (2) Sudden large deposits — significantly higher than your historical pattern (e.g., ₹2 lakh when you usually deposit ₹10,000). (3) Large individual transactions — above ₹2 lakh single deposit. (4) Fast deposit-withdrawal cycles — patterns suggesting layering or structuring. (5) Withdrawals of large winnings — above ₹5 lakh. (6) Red flags — connections to AML-flagged accounts or inconsistent user profile. Documents accepted: Salary slips, income tax returns, bank statements showing salary credits, business financial statements (for business owners), investment proceeds documentation, inheritance documents, or legal settlement paperwork. We process such requests within 72 hours.

Yes, accounts can be temporarily suspended during AML investigations. Circumstances: (1) Suspicious transaction patterns detected. (2) Failure to provide requested documentation within reasonable time. (3) Discrepancies between provided identity and transaction patterns. (4) Connection to accounts/transactions flagged by regulators. (5) Law enforcement investigation. During suspension: Account access is temporarily blocked; deposits/withdrawals halted. You're notified of the suspension reason (unless prohibited by law). You have opportunity to provide explanation and documentation. Resolution: Most AML reviews complete within 7-14 days. If no concerns confirmed, account is fully restored with any pending withdrawals released. If concerns confirmed, further action depends on findings — could include permanent closure and regulatory reporting. Important: We cannot always disclose investigation details due to legal restrictions (tipping-off prohibition under PMLA).

Under PMLA and FIU-IND guidelines, suspicious transactions include patterns that don't match legitimate gambling behavior: (1) Structuring — multiple deposits just below reporting thresholds. (2) Rapid deposit-withdrawal — depositing and withdrawing without meaningful betting activity. (3) Third-party payments — deposits from accounts not matching registered identity. (4) Inconsistent amounts — transactions disproportionate to known income. (5) Round-number patterns — only placing large round-number bets (possible laundering). (6) Multiple account linkage — evidence of controlling multiple accounts. (7) Cross-border anomalies — unusual international transaction patterns. (8) Politically exposed persons (PEPs) — government officials require enhanced monitoring. When we identify suspicious patterns, we're legally required to: (a) File a Suspicious Transaction Report (STR) with FIU-IND. (b) NOT inform the user about the STR (tipping-off prohibition). (c) Continue monitoring while investigation proceeds. (d) Cooperate with any regulatory inquiries.

We report to authorities only in specific legally-mandated circumstances, not routine activity: (1) Cash Transaction Reports (CTRs) — We don't accept cash, so this doesn't apply directly; our partner banks report large cash deposits. (2) Suspicious Transaction Reports (STRs) — Required when activity appears to involve money laundering. Submitted to FIU-IND. User is not informed. (3) Large transactions — Aggregate winnings reported via TDS mechanism (Form 26AS). (4) Tax reporting — 30% TDS deducted and reported automatically. (5) Legal orders — Court orders, police requisitions with proper legal basis. (6) Regulatory inquiries — Responses to authorized regulatory investigations. What we DON'T report: Routine betting activity, your identity in normal circumstances, your personal opinions in chats, or anything unrelated to financial crime. Privacy is strongly protected except where law specifically requires disclosure.