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AML policy

How PLAZMO prevents money laundering and terrorist financing: identity checks, transaction monitoring, reporting and record keeping.

Version 1.0Effective 27.08.2026Updated 27.08.2026

1. General Provisions

This Anti-Money Laundering, Counter-Terrorist Financing, and Anti-Fraud Policy (hereinafter — "AML/KYC Policy") establishes the principles, procedures, and measures applied by PLAZMO Entertainment Ltd (prototype) (hereinafter — "PLAZMO", "Company", "we", "us"), registered in [EU member state — placeholder] under Company No. [placeholder], in the course of activities under Licence No. PLZ-EU-0000 (prototype placeholder).

This Policy is an integral part of the Terms and Conditions and is mandatory for all PLAZMO players, employees, agents, and partners.

Key objectives:

  • Preventing the use of PLAZMO Services for money laundering (ML);
  • Preventing terrorist financing (TF);
  • Identifying, assessing, and managing risks associated with unlawful activity;
  • Ensuring full compliance with the requirements of the licensing regulator [Regulator — to be confirmed] and applicable legislation.

2. Appointed Responsible Person (Compliance Officer)

PLAZMO appoints a Compliance Officer who:

  • Develops, implements, and monitors compliance with this Policy;
  • Organizes staff training on AML/KYC issues;
  • Reviews and approves decisions on suspicious transactions;
  • Interacts with regulatory authorities, law enforcement agencies, and FIUs (Financial Intelligence Units);
  • Ensures timely submission of Suspicious Activity Reports (SAR);
  • Conducts periodic review and updating of the Policy.

Contact the Compliance Officer: kyc@plazmo.com / security@plazmo.com.

3. Risk Assessment (Risk-Based Approach)

PLAZMO applies a Risk-Based Approach (RBA) to AML/KYC. This means that the depth and scope of checks depend on the level of risk associated with a particular player, transaction, payment method, or jurisdiction.

Risk factors:

  • Geographic risk — player’s country of residence/citizenship, presence of sanctions, level of corruption;
  • Customer risk — player behavior, source of funds, politically exposed persons (PEP);
  • Product/service risk — anonymity of payment method, speed of transactions, complexity of operations;
  • Channel risk — use of VPN, proxy, transaction structuring.

Players with elevated risk are subject to Enhanced Due Diligence (EDD).

4. Customer Identification and Verification (KYC — Know Your Customer)

4.1. When KYC Is Conducted

PLAZMO conducts KYC checks:

  • Upon account registration (basic check);
  • Before any withdrawal (full check);
  • Upon reaching certain deposit or withdrawal thresholds;
  • When changing payment methods;
  • When there are suspicions of fraud, multi-accounting, or bonus abuse;
  • Upon request from a regulator or law enforcement authority.

4.2. Standard Due Diligence (CDD)

Documents and information that PLAZMO may request:

Proof of identity:

  • Passport;
  • National ID card;
  • Driver’s license.

The document must be valid, legible, contain a photograph, full name, date of birth, document number, and expiry date.

Proof of address (not older than 3 months):

  • Utility bill (electricity, water, internet, phone);
  • Bank statement;
  • Tax notice;
  • Official letter from a government body.

The document must contain the player’s name and address matching the registration address.

Proof of payment method ownership:

  • Photo of bank card with middle 8 digits and CVV masked (first 6 and last 4 digits, cardholder name, and expiry date must be visible);
  • Screenshot of e-wallet with visible owner name and ID;
  • Account statement confirming ownership.

Proof of age:

  • Identity document containing date of birth;
  • Additional measures in case of doubt (selfie with document, video verification).

4.3. Enhanced Due Diligence (EDD)

EDD is applied to players with elevated risk, including:

  • Total deposits exceeding €10 000;
  • Politically Exposed Persons (PEP) and their close relatives;
  • Players from high-risk jurisdictions;
  • Players with suspicious behavior (unusual betting patterns, frequent changes of payment methods);
  • Players using anonymous or difficult-to-trace payment methods.

Additional EDD measures:

  • Source of Funds (SoF) — documentary confirmation of the origin of funds (salary account statement, tax return, property sale documents, business reports);
  • Source of Wealth (SoW) — explanation of the player’s overall financial status and sources of wealth;
  • Additional checks through external databases and screening systems;
  • Enhanced transaction monitoring;
  • Approval by the Compliance Officer before processing large withdrawals.

5. Transaction Monitoring

PLAZMO conducts continuous monitoring of all transactions to detect suspicious activity.

Indicators triggering attention:

  • Deposits and withdrawals without intermediate gaming activity;
  • Transaction structuring (breaking large amounts into smaller ones to bypass thresholds);
  • Frequent changes of payment methods or cryptocurrency addresses;
  • Transactions inconsistent with the player’s declared profile (SoF);
  • Use of third-party payment details;
  • Attempts to withdraw before wagering the deposit (indicative of layering);
  • Sudden changes in gaming patterns (sharp increase in bets after a long break);
  • Account links to known fraudulent schemes or bonus abuse.

Measures upon detection of suspicious activity:

  • Temporary account block pending investigation;
  • Request for additional documents and explanations;
  • Enhanced monitoring;
  • Filing a Suspicious Activity Report (SAR) with competent authorities if grounds exist.

6. Suspicious Activity Reporting (SAR / STR)

When there are reasonable grounds to believe that a transaction or player behavior is related to money laundering, terrorist financing, or other unlawful activity, PLAZMO is obligated to:

  • Immediately document the suspicion;
  • Suspend the relevant transactions (if this does not impede the investigation);
  • File a Suspicious Activity Report (SAR) or Suspicious Transaction Report (STR) with the Financial Intelligence Unit (FIU) of the licensing EU member state or other competent authority;
  • Cooperate with law enforcement and regulatory authorities within the framework of the investigation.

Important: Legislation may prohibit PLAZMO from informing the player that a SAR/STR has been filed. Any disclosure of information ("tipping off") is a violation and entails liability.

7. Prohibited Actions and Sanctions

7.1. Prohibited Actions

Players are strictly prohibited from:

  • Using false, stolen, or third-party personal and payment data;
  • Creating multiple accounts (multi-accounting);
  • Using the Services for money laundering, terrorist financing, or other unlawful purposes;
  • Structuring transactions to bypass verification or reporting thresholds;
  • Using third-party payment details;
  • Using VPN, proxy, or other location concealment means to circumvent territorial restrictions;
  • Providing forged, altered, or stolen documents for KYC.

7.2. Sanctions

Upon detection of violations of this Policy, PLAZMO may apply the following measures:

  • Rejection or freezing of deposits and withdrawals;
  • Cancellation of bonuses and associated winnings;
  • Temporary account block pending investigation completion;
  • Account closure with confiscation of funds obtained as a result of the violation;
  • Reporting information to regulatory and law enforcement authorities;
  • Adding the player to a shared operator stop-list.

8. Record Keeping

PLAZMO is obligated to retain all records related to AML/KYC for at least 5 (five) years from:

  • The date of account closure;
  • The date of transaction completion;
  • The termination of business relations with the player.

Retained records include:

  • Copies of provided verification documents;
  • Transaction history (deposits, withdrawals, bets);
  • Screening results and risk assessments;
  • Correspondence with the player on KYC/AML matters;
  • SAR/STR and related documentation;
  • Internal investigations and decisions taken.

9. Staff Training

All PLAZMO employees involved in transaction processing, verification, customer support, and security undergo regular training on AML/KYC issues:

  • Signs of money laundering and terrorist financing;
  • KYC and EDD procedures;
  • Transaction monitoring and detection of suspicious activity;
  • SAR/STR filing procedures;
  • Legislative requirements of the licensing regulator [Regulator — to be confirmed].

10. Interaction with Third Parties

PLAZMO cooperates with:

  • Payment providers — for verification of payment method ownership;
  • KYC/AML screening services — for automated document verification and PEP/sanctions detection;
  • Regulators — [Regulator — to be confirmed], the Financial Intelligence Unit of the licensing state;
  • Law enforcement authorities — upon lawful requests and within investigations.

11. Changes to This Policy

PLAZMO may update this Policy in connection with changes in legislation, license requirements, technology, or identification of new risks. The updated version is published on the website plazmo.com.

Continued use of the Services after publication of changes constitutes acceptance of the new version of the Policy.

12. Contact Information

For all questions related to AML/KYC, please contact:

PLAZMO Entertainment Ltd (prototype)[Registered address in the EU — placeholder]
KYC / Verification
kyc@plazmo.com
Security / Compliance
security@plazmo.com
Customer Support
support@plazmo.com

This Policy is an integral part of the PLAZMO Terms and Conditions. In case of discrepancies, the English version of the documents shall prevail.