Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF) Policy

This page explains how Cresus Casino prevents the misuse of our services for money laundering, terrorist financing, fraud, or other financial crime. It outlines what we do, what we may ask from you, and what is expected of every player who uses our products.

Important: Cresus Casino applies a risk-based approach and complies with applicable AML/CTF laws and regulations in the jurisdictions where we operate. This page is for transparency only and is not legal advice.

1) Our Principles

Risk-based approach: controls scale with the risks presented by products, payment methods, geographies, and behaviour.
Know Your Customer (KYC): we verify identity, age, and address before enabling key features and during the player lifecycle.
Sanctions & PEP screening: we check players against international sanctions and Politically Exposed Persons (PEP) lists and apply enhanced due diligence where needed.
Transaction monitoring: we monitor activity to spot unusual patterns, investigate, and act swiftly.
No tipping-off: we may be legally prohibited from informing you when a report to a financial intelligence unit (FIU) is made.
Record-keeping & privacy: we retain AML records for the period required by law and safeguard your data under applicable privacy rules.

2) Scope & Prohibited Conduct

Use of the service to conceal or disguise the origin of funds, to recycle funds through deposits and withdrawals, or to structure transactions to evade checks.
Third-party payments (using payment instruments not held in your name) and account sharing are prohibited.
Attempting to circumvent geo-blocking, sanctions, or self-exclusion controls (including by VPN) is not allowed.
We do not accept customers from restricted or sanctioned countries or territories. The list is reviewed and updated as laws change.

3) Roles & Responsibilities

Role	Responsibility
Players	Provide accurate, up-to-date information; use only payment methods in your name; respond to KYC/EDD requests promptly.
Compliance Team	Perform screening, due diligence, investigations, reporting (where required), training, and audits.
Payments & Risk	Verify ownership of payment instruments; monitor velocity, chargebacks, and anomalies; block or reverse suspicious transactions.
Management	Approve the AML framework, resources, and independent testing; ensure escalation lines and accountability.

4) KYC & Customer Due Diligence (CDD)

At onboarding

Age & identity: government-issued photo ID (e.g., passport, national ID, driving licence).
Address: recent proof of address (e.g., utility bill, bank statement, tax letter; typically ≤3 months old).
Liveness/face match (where applicable): to prevent impersonation.

Before withdrawals / on triggers

Ownership of funds: payment method must be in the player’s name; withdrawals generally return to the original funding method.
Source of Funds/Wealth (SoF/SoW): may be requested for large values or higher risk (e.g., pay slips, bank statements, company dividends).
Re-verification: when documents expire or risk profile changes.

5) Enhanced Due Diligence (EDD)

EDD applies when risk is elevated, including but not limited to the following situations:

High or rapidly increasing deposits, unusual patterns (e.g., minimal gameplay with frequent withdrawals), or complex payment routes.
Customer is a PEP (or related/close associate) or has links to higher-risk jurisdictions.
Adverse media or inconsistencies in documents or explanations.
Linked accounts, third-party funding, or device/network overlaps suggesting layering.

EDD may include additional identity checks, independent source verification, deeper SoF/SoW evidence, tighter limits, or temporary account restrictions while we complete our review.

6) Sanctions, PEP & Adverse Media Screening

We screen names at onboarding and periodically against relevant sanctions lists (e.g., UN, EU, HMT UK, OFAC) and PEP databases, and we monitor adverse media. Matches lead to review and, where mandated, refusal or termination of service.

7) Monitoring, Investigations & Reporting

Automated monitoring: detects unusual activity (e.g., velocity spikes, low gameplay ratio, circular transactions, bonus abuse patterns).
Analyst review: alerts are triaged and, if warranted, escalated to Compliance for case management.
Action: we may request documents, apply limits, freeze funds, or suspend the account while investigating.
Reporting: where required by law, we file suspicious activity/transaction reports with the competent FIU. We do not “tip off” customers.

8) Payments, Limits & Withdrawals (AML Controls)

Deposits and withdrawals must use payment methods held in the same name as the registered account.
We may restrict deposit/withdrawal limits until KYC/EDD is complete.
Withdrawals generally return to the original funding source; alternative routes may require extra checks.
We reserve the right to delay or refuse transactions that raise AML/CTF concerns or breach policy.

9) Record-Keeping & Data Protection

We keep KYC, transactional, and investigation records for the period required by law (typically at least five years from the end of the relationship or last transaction, subject to local rules).
Personal data is processed under applicable data-protection laws for purposes including legal obligations (AML/CTF), fraud prevention, and legitimate interests.
Access to AML data is strictly role-based and logged.

10) Training, Testing & Governance

All relevant staff receive initial and ongoing AML/CTF training, including sanctions awareness and “no tipping-off”.
Independent testing and internal audits assess the effectiveness of our framework and its alignment with law and guidance.
Policies, customer risk models, and monitoring rules are reviewed at least annually or upon material change.

11) Your Checklist: How to Pass KYC Faster

Register with your real name and correct date of birth; ensure your address is current.
Use only your own cards/accounts. Joint or business accounts may require extra proof.
Have clear scans/photos of ID and a recent proof of address (no glare, full corners visible).
Be ready to explain your typical deposit levels and, if asked, provide source-of-funds documents.

12) Questions & Contact

If you have questions about KYC requests or the status of a verification, please contact our Customer Support via the help section on the website. For security and confidentiality, AML reviews cannot be discussed in detail, but our team will guide you on what is needed and how to submit it securely.

Last updated: 04 September 2025