This Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy ("Policy") applies to all players who register and use the services offered by Justbit Casino, operated at justbitonline.com. Justbit Casino is licensed under Curaçao eGaming and is committed to maintaining the highest practicable standards of financial integrity, player protection, and regulatory compliance. This Policy sets out our obligations, procedures, and your responsibilities as a player.

1. Purpose and Scope

Justbit Casino operates a zero-tolerance approach to money laundering, terrorist financing, and any other form of financial crime. This Policy applies to every individual who creates an account, deposits funds, places a wager, or requests a withdrawal at justbitonline.com, regardless of the payment method or currency used. It covers both fiat and cryptocurrency transactions, including but not limited to Bitcoin (BTC), Ethereum (ETH), Tether (USDT), Litecoin, Ripple (XRP), and Dogecoin (DOGE), as well as Visa, Mastercard, Skrill, Neteller, and bank transfers.

The objectives of this Policy are to:

• Prevent Justbit Casino from being used, intentionally or unintentionally, as a vehicle for money laundering or terrorist financing.
• Comply with applicable anti-money laundering legislation and the conditions of our Curaçao eGaming licence.
• Establish clear and consistent KYC procedures so that the identity of every active player is verified to a satisfactory standard.
• Protect the integrity of our platform, our players, and the broader financial system.
• Ensure that withdrawals are made only to verified account holders using methods consistent with their deposits.

2. Legal Framework

Justbit Casino's AML and KYC procedures are designed in accordance with internationally recognised standards, including the recommendations of the Financial Action Task Force (FATF), the conditions of our Curaçao eGaming licence, and applicable anti-money laundering legislation. Although Curaçao serves as our licensing jurisdiction, we apply robust compliance controls that align with best-practice iGaming standards regardless of the jurisdiction from which a player accesses our services.

3. Appointed Compliance Officer

Justbit Casino has appointed a dedicated Compliance Officer (Money Laundering Reporting Officer, "MLRO") who holds overall responsibility for:

• Overseeing the design, implementation, and ongoing review of this Policy.
• Receiving and assessing internal suspicious activity reports submitted by staff.
• Making external disclosures to the relevant authorities where required by law.
• Ensuring all relevant staff receive appropriate AML and KYC training.
• Maintaining accurate records of all compliance-related activities.

The identity of the MLRO is held securely on file and is available to our licensing authority upon request. Players who wish to raise a compliance concern may do so via our 24/7 support channels at justbitonline.com.

4. Know Your Customer (KYC) Policy

4.1 When KYC Verification Is Required

Justbit Casino operates a risk-based approach to identity verification. KYC verification will be required in the following circumstances:

• Prior to processing any withdrawal request, including cryptocurrency withdrawals.
• When a player's cumulative deposits reach or exceed applicable thresholds as determined by our internal risk controls.
• When a player's account triggers a risk flag during ongoing monitoring.
• When there is any suspicion of fraudulent activity, money laundering, or account misuse.
• At any point where we deem it necessary to confirm a player's identity, source of funds, or source of wealth.
• When a player requests a withdrawal that is materially larger than their typical transaction history.

We strongly recommend that all players complete KYC verification at the earliest opportunity after registration. As noted on our main information pages, KYC verification at Justbit Casino typically clears within 24 hours of documents being submitted. Completing verification proactively ensures that your withdrawals are not delayed at the point you wish to receive funds.

4.2 Documents Required for Standard Verification

To verify your identity, you will be asked to provide clear, legible copies of the following:

Proof of Identity (one of the following)

• Valid passport (photo page)
• National identity card (front and back)
• Government-issued driving licence (front and back)

Proof of Address (one of the following, dated within the last three months)

• Utility bill (gas, electricity, water, or landline telephone)
• Bank or financial institution statement
• Official government correspondence bearing your name and residential address
• Municipal tax bill or similar official document

Proof of Payment Method

• For card payments: a copy of the front of the card used (showing only the last four digits; the middle eight digits should be obscured), and where appropriate the back of the card with the CVV obscured.
• For e-wallets (Skrill, Neteller): a screenshot of your verified e-wallet account showing your name and account details.
• For cryptocurrency transactions: confirmation of the wallet address used for deposit and, where requested, evidence of wallet ownership.

4.3 Enhanced Due Diligence

In certain circumstances, Justbit Casino may require Enhanced Due Diligence (EDD) beyond the standard document set. EDD may be triggered by, but is not limited to:

• High-value transactions or withdrawal requests that are disproportionate to declared income or betting patterns.
• A player identified as a Politically Exposed Person (PEP) or a close associate or family member of a PEP.
• Unusual or complex transaction patterns that do not correspond to the player's stated profile.
• Residency in, or transactions linked to, a high-risk or non-cooperative jurisdiction as classified by FATF or our internal risk framework.
• Use of multiple payment methods or addresses that lack a clear and consistent pattern.

Where EDD is required, we may request additional documentation, including but not limited to:

• Proof of source of funds (e.g., recent payslips, bank statements, accountant's letter, evidence of investment proceeds, or business ownership documentation).
• Proof of source of wealth (e.g., evidence of inheritance, sale of assets, or business income).
• A signed declaration confirming the origin of funds deposited.
• A reference or verification from a regulated financial institution.

Until EDD requirements are satisfied to our compliance team's satisfaction, Justbit Casino reserves the right to restrict account functionality, including suspending withdrawal processing and placing limits on further deposits.

4.4 Politically Exposed Persons (PEPs)

A Politically Exposed Person is an individual who holds or has held a prominent public function, including heads of state or government, senior politicians, senior government officials, judicial officials, senior military officials, senior executives of state-owned enterprises, and senior officials of political parties. Immediate family members and known close associates of PEPs are treated equivalently under this Policy.

Players who are PEPs or who are connected to PEPs are subject to mandatory EDD prior to activation of full account privileges. Justbit Casino will conduct ongoing monitoring of all PEP accounts at an elevated level of scrutiny.

4.5 Sanctions Screening

Justbit Casino screens all customers and transactions against applicable international sanctions lists, including those published by the United Nations, the European Union, and other relevant regulatory bodies. Any player found to be a designated sanctions target, or who is located in or transacting from a sanctioned jurisdiction, will have their account suspended immediately and the matter reported to the appropriate authorities. Justbit Casino will not knowingly provide services to any individual or entity subject to applicable sanctions.

4.6 Age Verification

Justbit Casino does not permit individuals under the age of 18 to register or use its services. Age verification is a mandatory component of our KYC process. Where there is any doubt about a player's age, account access will be restricted until documentary proof of age has been reviewed and approved by our compliance team. Any funds deposited by a minor will be returned, less any transaction fees, and will not be eligible for bonus participation.

5. Anti-Money Laundering (AML) Procedures

5.1 Risk-Based Approach

Justbit Casino applies a risk-based approach to AML compliance. This means that the level of scrutiny applied to any given customer or transaction is proportionate to the assessed risk that the relationship poses. Risk factors taken into account include the player's country of residence, payment methods used, transaction volumes and frequencies, stated occupation and income, and any adverse information identified during screening.

Players are assigned an internal risk rating (Low, Medium, or High) upon registration and throughout the lifecycle of their account. Risk ratings are subject to ongoing review and may be escalated at any time where new information or transaction activity warrants a higher level of scrutiny.

5.2 Transaction Monitoring

All financial transactions conducted at justbitonline.com — including deposits, withdrawals, bonus claims, and inter-account transfers — are subject to automated and manual monitoring. Our monitoring systems are designed to detect patterns and anomalies that may be indicative of money laundering, fraud, or other financial crime, including:

• Large or unusually frequent deposits not consistent with typical player behaviour.
• Deposits made and withdrawn with minimal or no gambling activity.
• Structuring of deposits into amounts just below reporting or threshold limits.
• Multiple deposits from different payment instruments in a short period.
• Withdrawal requests to accounts or wallets other than those used for the original deposit.
• Use of third-party payment methods or cryptocurrency wallets not registered in the player's name.
• Rapid movement of funds through the account without commensurate gambling activity.
• Patterns of play that appear designed to launder funds rather than to seek genuine entertainment.

5.3 Cryptocurrency Transactions

Justbit Casino recognises that cryptocurrency transactions carry specific AML risks, including the potential for enhanced anonymity. Accordingly, we apply particular diligence to all crypto deposits and withdrawals, including Bitcoin (BTC), Ethereum (ETH), Tether (USDT — TRC20 and ERC20), Litecoin, Ripple (XRP), and Dogecoin (DOGE).

Our cryptocurrency compliance controls include:

• Blockchain analytics tools to assess the risk profile of incoming and outgoing wallet addresses.
• Screening of cryptocurrency transactions against known illicit wallet databases.
• Restrictions on the acceptance of funds traced to high-risk sources, including darknet markets, mixing services, and sanctioned entities.
• Mandatory correspondence between deposit wallet address and withdrawal wallet address, unless alternative arrangements have been pre-approved by our compliance team.
• Additional KYC and EDD requirements for high-value cryptocurrency transactions.

Players should be aware that while our minimum cryptocurrency withdrawal is equivalent to €20 and withdrawals typically clear in under one hour, any transaction that triggers a compliance review may be held pending investigation, which may extend beyond standard processing times.

5.4 No Third-Party Payments

Justbit Casino operates a strict no-third-party payment policy. All deposits must be made from a payment method registered in the player's own name, and all withdrawals will be made only to the same method used for the corresponding deposit, or to a payment method that has been verified as belonging to the account holder. We will not process deposits from, or withdrawals to, any account, wallet, or card belonging to a third party. Accounts found to be in breach of this policy may be suspended and funds withheld pending investigation.

5.5 Suspicious Activity Reporting

Where any member of Justbit Casino's staff or compliance team identifies activity that gives rise to a suspicion of money laundering or terrorist financing, a Suspicious Activity Report (SAR) will be filed with the MLRO. The MLRO will assess the report and, where appropriate, make a disclosure to the relevant financial intelligence unit or other competent authority in the applicable jurisdiction.

In accordance with applicable law, Justbit Casino and its employees are strictly prohibited from "tipping off" any player who is the subject of a SAR or a related investigation. Justbit Casino will not inform a player that they are under investigation, that a report has been filed, or that their account activity is the subject of scrutiny by law enforcement or a regulatory body.

Justbit Casino will fully cooperate with all lawful requests for information from competent authorities, including the provision of transaction records, KYC documentation, and account history.

6. Record Keeping

Justbit Casino maintains comprehensive records of all KYC documentation and transaction data. In accordance with standard AML practice and the requirements of our Curaçao eGaming licence, the following records are retained:

• Copies of all identity and address verification documents submitted by players.
• Records of all transactions, including deposit amounts, methods, dates, and wallet or account references.
• Records of all internal risk assessments and compliance decisions.
• Copies of all SARs filed and related correspondence.
• Records of all staff AML training completed.

All such records are retained for a minimum of five (5) years from the date of the last transaction or account closure, whichever is later. Records may be retained for a longer period where required by law or where they are the subject of an ongoing investigation or legal proceeding. All records are held securely in accordance with applicable data protection legislation and our Privacy Policy.

7. Player Obligations

By registering an account at justbitonline.com, you agree to:

• Provide accurate, current, and complete information at the time of registration and at any point when verification is requested.
• Notify Justbit Casino promptly of any material changes to your personal information, including your address, occupation, or source of funds.
• Submit any KYC or EDD documentation requested by our compliance team within a reasonable timeframe.
• Use only payment methods registered in your own name.
• Not use Justbit Casino's services for any unlawful purpose, including money laundering or fraud.
• Not attempt to circumvent our AML or KYC procedures, including through the use of VPNs, proxies, or other technical means designed to obscure your identity or location.

Failure to comply with these obligations may result in account suspension, forfeiture of bonus funds, withholding of withdrawal requests, and reporting to the relevant authorities.

8. Consequences of Non-Compliance

Where a player fails to complete KYC verification within a reasonable timeframe, or where there are grounds to suspect that a player's account is being used for money laundering, fraud, or other financial crime, Justbit Casino reserves the right to take one or more of the following actions:

• Suspend or permanently close the player's account.
• Withhold any pending withdrawal requests pending completion of the compliance review.
• Void any bonus funds or free spins credited to the account, in accordance with our Bonus Terms and Conditions.
• Retain funds associated with suspected fraudulent or criminal activity, in line with our legal obligations.
• Report the player and relevant account activity to the appropriate law enforcement or regulatory authorities.

Justbit Casino will act in good faith at all times and will not take punitive action against players without reasonable cause. Where an account is suspended pending a compliance review, we will endeavour to communicate with the player as promptly as our legal obligations permit.

9. Responsible Gambling and Player Protection

Justbit Casino's AML and KYC procedures operate in conjunction with our broader Responsible Gambling commitments. Identity verification and transaction monitoring serve not only an anti-financial crime function but also help us to identify players who may be displaying signs of problem gambling, including spending patterns that are inconsistent with their declared financial circumstances.

Players are encouraged to make use of the responsible gambling tools available at justbitonline.com, including deposit limits, session limits, loss limits, self-exclusion, and cooling-off periods. Our 24/7 support team is available via Live Chat and email to assist with any account concern, including requests to set limits or seek guidance on safer gambling resources.

10. Staff Training

All members of Justbit Casino's staff who are involved in customer-facing operations, compliance, payments, or fraud prevention receive regular training on AML and KYC obligations. Training covers the identification of suspicious activity, correct procedures for escalating concerns to the MLRO, the legal obligations arising from anti-money laundering legislation, and the specific risks associated with cryptocurrency transactions. Training records are maintained by the MLRO and are subject to periodic review to ensure they remain current and effective.

11. Policy Review

This AML / KYC Policy is reviewed at least annually by the Compliance Officer, or more frequently where there are material changes to applicable law, the conditions of our Curaçao eGaming licence, FATF recommendations, or the risk environment in which Justbit Casino operates. Any amendments to this Policy will be published at justbitonline.com and will take effect immediately upon publication. Continued use of Justbit Casino's services following an amendment to this Policy constitutes your acceptance of the revised terms.

12. Contact

If you have any questions about this AML / KYC Policy, or if you wish to submit documentation for verification purposes, please contact the Justbit Casino compliance and support team through the following channels:

• Live Chat: Available 24/7 at justbitonline.com
• Email: Available via the contact details published on the justbitonline.com support page

Justbit Casino is committed to responding to all compliance-related enquiries promptly and in confidence. This Policy was last reviewed and updated in 2025 and is effective for all accounts active at justbitonline.com.