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AML Policy

Anti-Money Laundering Policy

Pin-Up Kenya is committed to maintaining a safe, transparent, and responsible online gaming environment. This Anti-Money Laundering Policy explains the measures used to help prevent money laundering, terrorism financing, fraud, identity misuse, and other illegal financial activity.

Online betting and casino services involve financial transactions, including deposits, withdrawals, bonuses, and account balance transfers. For this reason, Pin-Up applies strict AML and KYC procedures to verify users, monitor payments, identify suspicious behaviour, and protect the integrity of the platform.

By registering, depositing, withdrawing, or using any service on Pin-Up Kenya, users agree to comply with this AML Policy, the platform’s Terms and Conditions, and all applicable laws and regulations.

What Is Money Laundering?

Money laundering is the process of hiding the illegal origin of money by making it appear as if it came from a legitimate source. In online gaming, this may include using a betting account to move, disguise, deposit, withdraw, or convert funds connected to criminal activity.

Pin-Up does not tolerate any attempt to use the platform for money laundering, terrorism financing, fraud, sanctions evasion, or any other unlawful purpose.

Key AML Principles

Pin-Up Kenya applies a risk-based approach to financial security and compliance. This means that different users, transactions, and account activities may be reviewed based on the level of risk they present.

The main AML principles include:

  • Verifying customer identity through KYC checks;
  • Confirming that users meet the legal age requirement;
  • Monitoring deposits, withdrawals, and unusual transaction patterns;
  • Requesting additional information where activity appears suspicious;
  • Restricting or suspending accounts during compliance reviews;
  • Refusing transactions that may be linked to illegal activity;
  • Keeping appropriate records for compliance and security purposes;
  • Reporting suspicious activity to competent authorities where required by law.

Know Your Customer Verification

KYC, or Know Your Customer, is the process of confirming that a player is a real person and that the account details are accurate. KYC checks help prevent underage gambling, identity theft, fraud, duplicate accounts, and misuse of payment methods.

Pin-Up Kenya may request verification during registration, before withdrawals, after suspicious activity, when account details change, or at any other time required for security or compliance.

Users may be asked to provide:

  • Full legal name;
  • Date of birth;
  • Nationality or country of residence;
  • Phone number and email address;
  • National ID, passport, or another valid identity document;
  • Proof of address, if required;
  • Selfie or photo verification, if required;
  • Payment method confirmation;
  • Source-of-funds or source-of-wealth information, if required.

All information provided must be accurate, complete, and up to date. False, edited, stolen, misleading, or incomplete documents may result in account restrictions, withdrawal delays, account closure, or reporting to the relevant authorities.

Age Verification

Pin-Up Kenya services are intended only for users who meet the legal gambling age requirement. Underage gambling is strictly prohibited.

If Pin-Up cannot confirm that a user is legally allowed to gamble, the account may be suspended until verification is completed. If an account is found to belong to an underage person, it may be closed and any related activity may be reviewed in accordance with the Terms and Conditions.

Customer Due Diligence

Customer Due Diligence is the process of understanding who the user is, how they use the platform, and whether their activity matches normal gaming behaviour.

Pin-Up may carry out due diligence checks when:

  • A user creates an account;
  • A deposit or withdrawal is requested;
  • The payment method does not match account details;
  • Multiple accounts appear to be connected;
  • The user’s activity changes suddenly;
  • A transaction appears unusual or high risk;
  • The user is linked to a restricted jurisdiction;
  • Additional verification is required by law or internal policy.

Enhanced Due Diligence may be applied to higher-risk users, unusual activity, large or repeated transactions, politically exposed persons, sanctions-related risks, or accounts requiring additional source-of-funds checks.

Source of Funds and Source of Wealth

Pin-Up Kenya may request information about the origin of funds used on the platform. This helps confirm that deposits are made from legitimate sources and that the account is not being used to move or disguise illegal money.

Examples of requested documents may include:

  • Bank statements;
  • M-Pesa transaction history;
  • Payslips or employment records;
  • Business income documents;
  • Tax or financial records;
  • Proof of winnings from another licensed operator;
  • Any other document needed to confirm the origin of funds.

Failure to provide requested information may result in deposit limits, withdrawal delays, account suspension, or closure.

Payment Method Security

Users must deposit and withdraw only through payment methods that belong to them. Third-party payments are not allowed unless specifically approved by the platform.

For Kenyan users, M-Pesa is an important payment method. To avoid delays, the phone number linked to the payment method should match the user’s account details where required.

Pin-Up may reject, reverse, or investigate payments if:

  • The payment method belongs to another person;
  • The account name does not match the payment owner;
  • The transaction appears unusual or suspicious;
  • The same payment method is used across multiple accounts;
  • The payment source cannot be verified;
  • The transaction violates AML, KYC, or platform rules.

Users should never share their M-Pesa PIN, account password, one-time passwords, or private security codes with anyone.

Transaction Monitoring

Pin-Up monitors account and transaction activity to detect suspicious or unusual behaviour. Monitoring may include deposits, withdrawals, betting activity, bonus use, account changes, device activity, IP location, and payment method patterns.

Examples of activity that may require review include:

  • Large deposits followed by little or no betting activity;
  • Repeated deposits and withdrawals without genuine gameplay;
  • Multiple failed or reversed payment attempts;
  • Use of several accounts by one person;
  • Use of one payment method by several users;
  • Frequent changes to personal or payment details;
  • Attempts to hide location with VPNs or proxies;
  • Deposits from third-party payment accounts;
  • Bonus abuse or coordinated account activity;
  • Transactions inconsistent with the user’s normal profile.

Suspicious activity does not automatically mean wrongdoing, but it may require additional checks before the account can continue normal operation.

Restricted and Prohibited Activity

Users must not use Pin-Up Kenya for any illegal or unauthorized financial activity. The following actions are prohibited:

  • Money laundering or attempted money laundering;
  • Terrorism financing or proliferation financing;
  • Fraud, identity theft, or use of stolen documents;
  • Use of stolen, borrowed, or third-party payment methods;
  • Creating duplicate or fake accounts;
  • Using VPNs or proxies to bypass restrictions;
  • Using the platform to transfer money between people;
  • Structuring transactions to avoid checks;
  • Providing false or misleading information;
  • Refusing reasonable verification requests;
  • Attempting to hide the source or destination of funds.

Pin-Up may take action if any activity appears to violate AML rules, platform terms, or applicable law.

Account Restrictions During AML Checks

During AML, KYC, or security checks, Pin-Up Kenya may temporarily limit account functions. This may include restricting deposits, withdrawals, bonuses, gameplay, login access, or changes to personal information.

These restrictions are applied to protect users, the platform, and the integrity of financial transactions. Normal account access may be restored after the review is completed, provided that all required checks are passed.

Suspicious Activity Reporting

If Pin-Up identifies activity that may be connected to money laundering, terrorism financing, fraud, or another illegal purpose, the platform may take appropriate action in accordance with applicable laws and internal procedures.

This may include:

  • Requesting additional documents;
  • Refusing or delaying a transaction;
  • Suspending account activity;
  • Closing the account;
  • Retaining transaction records;
  • Reporting suspicious activity to competent authorities where legally required.

Pin-Up is not required to disclose details of internal investigations or suspicious activity reports where doing so is restricted by law or compliance obligations.

Record Keeping

Pin-Up may keep records of user identification, verification documents, payment activity, account activity, communication with support, and compliance reviews.

These records help meet AML, security, fraud prevention, responsible gaming, and legal requirements. Personal data is handled in accordance with the platform’s Privacy Policy and applicable data protection rules.

User Responsibilities

All users are responsible for keeping their account information accurate and secure.

Users must:

  • Register with real and correct personal details;
  • Use only their own account and payment methods;
  • Complete verification when requested;
  • Provide clear and valid documents;
  • Keep contact details up to date;
  • Avoid duplicate accounts;
  • Avoid VPNs, proxies, and restricted locations;
  • Report suspicious account activity immediately;
  • Never share passwords, M-Pesa PINs, or security codes;
  • Use the platform only for lawful entertainment purposes.

Failure to follow these responsibilities may lead to account restrictions, cancellation of withdrawals, removal of bonuses, or account closure.

Responsible Gaming and AML

AML controls and responsible gaming protections can sometimes overlap. Unusual deposit patterns, rapid losses, repeated failed payments, or sudden changes in activity may indicate financial risk, account misuse, or gambling harm.

Pin-Up Kenya encourages users to play responsibly, set personal limits, and never gamble with money needed for essential expenses. If gambling stops being entertainment, users should take a break or contact support for responsible gaming options.

Policy Updates

Pin-Up Kenya may update this AML Policy from time to time to reflect legal changes, regulatory expectations, payment method updates, security improvements, or internal compliance procedures.

Users are encouraged to review this page regularly. Continued use of the platform after updates means that the user accepts the latest version of the AML Policy.

Contact Support

If you have questions about AML checks, KYC verification, payment confirmation, account restrictions, or required documents, contact Pin-Up Kenya customer support through the official support channels available on the website.

When contacting support, include clear information such as your registered phone number or email, transaction amount, date and time, payment method, and any relevant M-Pesa confirmation code or screenshot.