AML & KYC POLICY

1. Basic information

JOZZ online casino is obliged to comply with the provisions on combating the legalization (laundering) of proceeds from crime and the financing of Terrorism and Proliferation of weapons of mass destruction (AML/CFT and CPF).
The identification of players is critical to AML/CFT and CPF. We ensure the identification of our players in the provision of services and in the event of abnormal transactions.
This Policy informs the Player (hereinafter also the 'You') about how we conduct the Know Your Customer (KYC) verification procedure and supervise abnormal transactions.

2. "Know Your Client" (KYC) procedure

2.1 KYC Basic Terms

For a player to be able to play on the JOZZ website, first of all, you need to open an account on our website. Players who have not registered on the website cannot place bets in any of the games offered.
Basic identification requirements include the provision of the following data:

Name and last name,
Address (including postcode and city),
Citizenship,
Date of Birth,
Correct email address (including following the verification link),
Username,
Password (twice for verification purposes),
Phone number (including verification call or SMS).

Before the Player can log in for the first time, an email is sent to the address provided on the registration form with an activation link; it does not contain any confidential information such as the Player's username. After clicking on the activation link, the player can log into his account and make a deposit.
If you are from a country on the List of Restricted Jurisdictions, you are not allowed to register or continue gambling on Our Website due to the strict prohibitions on gambling in those countries.

2.2. KYC extended provisions

It is very important for JOZZ to know who Our clients are, therefore, the Player who makes his first withdrawal request must upload his / her identity documents before the withdrawal request is accepted. Additionally, if the total amount of a Player’s deposits and withdrawals exceeds 2 000 EURO / 2 200 USD, identity verification will also be required. Documents can be uploaded online or sent to 24/7 customer support or online chat via the website. Documents are considered appropriate if they are scanned copies of your ID card, passport, driver's license, and any recent utility bills that include the Player's address. All copies of identity documents must contain a photographic ID and must clearly indicate your full name, date of birth, and have a valid document expiration date. Please note that if the validity period is indicated on the back of the identity document, then it must also be indicated.
We also carry out enhanced KYC checks in cases of abnormal transactions such as:

You make or withdraw a deposit of 2 600 EURO / 2 800 USD or more;
You withdraw your winnings in the amount of 2 600 EURO / 2 800 USD and more;
You enter a series of trades, which, in our opinion, is an attempt to split an amount of 2 600 EURO / 2 800 USD or more;

and in other cases:

checking updated data about the Player for suspicious changes;
incidents that, in our own opinion, differ from your game patterns.

If such information is required, certain restrictions may be placed on your account on Our Website until you provide the requested information and documentation to perform these checks.
Notwithstanding the foregoing, We can guarantee that your gaming activities are honest and transparent, not associated with criminal activities and do not cause harm. This means that from time to time we need to contact you for help in order to verify your identity and show that you have sufficient funds to support your gaming activity.
In order to verify your identity, we may ask you to provide Us with another copy of your passport, identity card, driver's license and proof of your residential address, such as a utility bill.
We reserve the right to request documentation to verify both the Source of Funds (SoF) and Source of Wealth (SoW), especially in cases of high-value transactions, changes in gambling behavior, or when deemed necessary under applicable AML regulations.
Any personal information provided to us or held by us in relation to you will be processed in the manner prescribed by our Privacy Policy.
The Privacy Policy describes how We handle information and data that you provide to us so that we can control your relationship with us.

3. Sanctions and PEP Screening Procedure

JOZZ conducts screening against internationally recognized sanctions lists and Politically Exposed Persons (PEPs) databases at the time of account registration and during subsequent due diligence checks when required.
This process is part of our risk-based approach to preventing access by individuals associated with elevated financial crime risks. If a match is identified—either to a sanctions list or a PEP profile—the account will be closed and any winnings forfeited in accordance with our Terms and Conditions.
Screening is conducted using a combination of public sources such as search engines and social networks (Facebook, VK, OK, LinkedIn, Twitter), as well as specialized software tools that assist in identifying sanctioned individuals or politically exposed persons through media references and official watchlists.

4. Player deposit

The player is only entitled to deposit money using approved payment systems submitted to the regulatory authority, which are processed using the approved payment provider JSC 'JOZZ'. Cash deposit at JOZZ is not allowed.
If you are from a country specified in the List of Jurisdictions with Strategic Restrictions on Anti-Money Laundering (AML) and the Financing of Terrorism, you are not allowed to make deposits using a card or other means of payment issued in that country.
List of jurisdictions with strategic restrictions:

Albania
Bahamas
Barbados
Botswana
Cambodia
Cameroon
Croatia
Ghana
Iceland
Jamaica
Mauritius
Mongolia
Myanmar
Nicaragua
Nigeria
Pakistan
Panama
Syria
South Africa
Uganda
Yemen
Zimbabwe
Venezuela
Vietnam

The Casino also prohibits the registration of a game account and / or making any monetary means to Players who are citizens, reside and / or live in the following countries (hereinafter referred to as "Prohibited Countries"):

Afghanistan, Aland Islands, Albania, Algeria, American Samoa, Angola, Aruba, Australia, Austria;
Barbados, Bonaire, Botswana, British Indian Ocean Territory, Bulgaria, Burundi;
Cambodia, Central African Republic, China, Cocos (Keeling) Islands, Colombia, Cuba, Curaçao, Cyprus;
Democratic Republic of the Congo;
Ecuador, Estonia;
Falkland Islands, Fiji, Finland, France, French Polynesia, French Southern and Antarctic Territories;
Georgia, Guam, Guadeloupe, Guinea-Bissau;
Heard and McDonald, Hungary;
India, Iran, Iraq, Italy;
Latvia, Lebanon, Libya, Lithuania;
Martinique, Mali, Malta, Mayotte, Montenegro, Myanmar (Burma);
Netherlands, New Caledonia, Nicaragua, Norfolk Island, Northern Mariana Islands;
Pakistan, Palau, Palestine, Portugal, Pitcairn Islands, Puerto Rico, Philippines;
Reunion, Romania;
Saba, Samoa, Saint Barthelemy, Saint Helena, Ascension and Tristan da Cunha, Somalia, South Sudan, South Georgia and the South Sandwich Islands, Spain, Statia, Sudan, Sweden, Syria;
Tokelau, The Democratic People's Republic of Korea, The United States of America, Trinidad & Tobago, Turkey;
Uganda, Ukraine (including the territory of Crimea), United Kingdom;
Venezuela, Virgin Islands (British), Virgin Islands (US);
Yemen;
Zimbabwe;
Wallis and Futuna;

Further, without limitation to the above, access to the Casino Website may be restricted from certain territories and formations, which are not recognized by Republic of Cyprus (i.e. DPR, LPR, Republic of Abkhazia, Pridnestrovian Moldavian Republic, Turkish Republic of Northern Cyprus, Republic of South Ossetia etc) and other states and territories whose legislation prohibits gambling for money.

5. Payment administration procedures

The first withdrawals of funds, regardless of the amount, are not accepted until the completion of the KYC, PEP, AML procedures.
Withdrawal requests are not processed until the uploaded documents sent by the Player are verified and approved by JOZZ.
Withdrawals are only possible to the same account through which the deposit was made. The exception is when players make a deposit, for example, using a MasterCard. Since MasterCard, for example, does not accept payments back to the card, withdrawals can only be made using a method other than the method used to fund the account. The JOZZ staff who will make the payment must ensure that the bank account or method used belongs to the Player to reduce the risk of money laundering. Please note that in this case you are not allowed to use a payment method that was issued in a country that is on the Strategic Restricted Jurisdictions List.
Cash withdrawals are not allowed.

6. Anti money laundering procedures

You are not allowed to transfer funds from one player's account to another player's account, as this may lead to money laundering activities.
Checking for money laundering activities is very important and therefore the player's activities are constantly monitored. The Company maintains internal records of all transactions and performs ongoing reviews to identify unusual patterns or deviations from typical behaviour.
The Player's templates are constantly analyzed to detect fraud or problematic games. These include deposit templates and game templates. Intelligent tools allow at-risk members to work with each category and enable the Company to assess risk levels based on player actions and behavioural trends.
These measures are part of the Company’s broader risk-based AML strategy and are aimed at protecting the integrity of the platform in line with applicable legal obligations.

7. Legal and Regulatory Compliance

This policy has been developed in accordance with the applicable legislation of Curaçao and the regulatory standards established by the Curaçao Gaming Control Board.
Specifically, we comply with:

the National Ordinance on Games of Chance (LOK) (entered into force on 24 December 2024),
the National Ordinance on the Reporting of Unusual Transactions (NORUT) (P.B. 2017, no. 99; amended June 2024),
the National Ordinance on Identification when Rendering Services (NOIS) (P.B. 2017, no. 92; amended June 2024),
the Sanctions National Ordinance,
and the Curacao Gaming Control Board, Regulations for the combating of Money Laundering, the Financing of Terrorism and Proliferation of weapons of mass destruction, last update January 2025.

In addition, the Company considers relevant international standards such as the FATF Recommendations, the CFATF, and guidance from the European Commission.
In accordance with regulatory obligations, the Company is duly registered with the goAML reporting platform operated by the Financial Intelligence Unit (FIU) of Curaçao, as part of its commitment to ensuring compliance with applicable anti-money laundering legislation.