This Anti-Money Laundering and Know Your Customer Policy ("Policy") sets out the obligations of Winzoria, operated at winzorria.nl and licensed under a Curaçao eGaming licence, to prevent financial crime, protect the integrity of its platform, and safeguard its players. All customers of winzorria.nl are subject to this Policy as a condition of account registration and continued use of our services.
Winzoria is committed to the highest standards of Anti-Money Laundering ("AML") compliance and the prevention of terrorist financing ("CTF"). Money laundering is the process by which criminally obtained funds are made to appear legitimate. Our platform — offering over 4,000 casino games, a live dealer floor, and a sportsbook at winzorria.nl — could, without appropriate controls, be misused as a vehicle for such activity. This Policy exists to ensure it is not.
Winzoria operates under a Curaçao eGaming licence and, accordingly, designs and maintains its AML and KYC framework in line with internationally recognised standards, including the Financial Action Task Force ("FATF") recommendations. Compliance with this Policy is mandatory for all staff, contractors, and third-party service providers operating on behalf of Winzoria.
This Policy applies to:
| Obligation | Detail |
|---|---|
| Licensing Authority | Curaçao eGaming |
| Minimum Deposit / Withdrawal | €20 |
| KYC Verification Window | Typically within 24 hours of document submission |
| Identity Verification Required | All registered accounts |
| Enhanced Due Diligence | Triggered by risk indicators, large transactions, or PEP status |
| Ongoing Monitoring | Continuous, automated and manual |
| Suspicious Activity Reporting | Reported internally and to relevant authorities where required |
| Record Retention | Minimum five (5) years from account closure or last transaction |
KYC verification allows Winzoria to confirm the true identity of every player, ensure that no individual under the age of 18 accesses the platform, prevent fraud and identity theft, and comply with our obligations under applicable anti-money laundering regulations. Every account opened at winzorria.nl is subject to KYC requirements — there are no exceptions.
Winzoria may request identity documents at any of the following stages:
We encourage all customers to complete KYC verification promptly after registering at winzorria.nl. As noted during registration, completing verification early ensures that withdrawals — which process in under one hour as standard — are not delayed by outstanding document checks.
To verify your identity, Winzoria will request one or more of the following documents depending on the level of verification required:
Documents must be current, clearly legible, and display your full name, date of birth, and photograph. Expired documents will not be accepted.
The document must display your full name and residential address as registered on your winzorria.nl account. PO box addresses are not accepted as proof of residential address.
Where enhanced due diligence is required (see Section 6), Winzoria may additionally request documentation evidencing the origin of funds deposited or wagered on the platform. Acceptable documents include, but are not limited to:
Documents should be submitted through the secure upload facility in your winzorria.nl account profile, or via email to our support team. All documents are transmitted over SSL-encrypted connections. Winzoria will confirm receipt of your submission and notify you of the outcome within 24 hours in the majority of cases. If additional information is required, our support team is available 24/7 via live chat and email to assist.
If a customer fails to provide the required KYC documentation within a reasonable timeframe following a request, Winzoria reserves the right to:
Any funds held in a verified account at the point of closure will be returned to the customer via their verified payment method, subject to the completion of any outstanding compliance review.
Standard CDD is applied to all customers registering at winzorria.nl. It comprises the collection and verification of the documents listed in Section 4.3, confirmation that the customer is aged 18 or over, and an initial risk assessment of the account based on the information provided at registration.
Simplified due diligence may be applied in limited circumstances where the risk of money laundering or terrorist financing is demonstrably low, as assessed by our compliance team. Simplified due diligence does not exempt a customer from all verification requirements; core identity checks remain mandatory.
KYC is not a one-time process at Winzoria. Customer accounts and transaction behaviour are monitored on an ongoing basis throughout the lifetime of the account. If a customer's activity changes materially — for example, a sudden and unexplained increase in deposit volumes — updated due diligence may be requested. Customers are obliged to inform Winzoria of any changes to their registered personal details, employment status, or source of funds.
Enhanced due diligence is applied in higher-risk scenarios. EDD involves a more detailed investigation of the customer's identity, the origin of their funds, and the nature of their gaming activity. Winzoria will apply EDD in circumstances that include, but are not limited to:
Where EDD is triggered, Winzoria may place restrictions on the account pending the outcome of the review. The customer will be notified of any documentation requirements, and our compliance team will process the review as promptly as practicable.
Winzoria operates a continuous transaction monitoring programme covering all deposits, withdrawals, and in-account activity at winzorria.nl. Our monitoring systems are designed to detect patterns and behaviours consistent with money laundering, fraud, or other financial crime. Specific indicators that may trigger a review include:
The minimum deposit and withdrawal threshold of €20 applies to all transactions at winzorria.nl. All payment activity — whether in euros via card, iDEAL, Skrill or Neteller, or in cryptocurrency (Bitcoin or Ethereum) — is subject to monitoring regardless of transaction size.
The following activities are strictly prohibited at winzorria.nl and will result in immediate account suspension, termination, and reporting to the relevant authorities where required:
Where Winzoria's compliance team identifies activity that is suspected to be connected to money laundering, terrorist financing, or other financial crime, a Suspicious Activity Report ("SAR") will be filed with the relevant financial intelligence unit or regulatory authority as required under applicable law. Winzoria is legally prohibited from informing the customer that a SAR has been filed — this obligation is known as "tipping off" and any breach of it may itself constitute a criminal offence.
Winzoria will co-operate fully with any investigation conducted by law enforcement, regulatory, or judicial authorities, and will disclose customer account information and transaction records where lawfully required to do so.
Winzoria retains all records relating to customer identity verification, transaction history, due diligence assessments, and internal compliance reviews for a minimum period of five (5) years from the date of account closure or the date of the last transaction, whichever is later. Records are stored securely in accordance with applicable data protection law. Customers wishing to understand how their personal data is used should refer to our Privacy Policy, available on winzorria.nl.
All payment methods accepted at winzorria.nl are subject to AML controls. The table below summarises the methods available and key compliance considerations applicable to each:
| Payment Method | Direction | Minimum | Key AML Control |
|---|---|---|---|
| Visa / Mastercard | Deposit & Withdrawal | €20 | Card must be registered in the customer's own name; POI required |
| iDEAL | Deposit only | €20 | Bank account must match registered customer details |
| Skrill | Deposit & Withdrawal | €20 | E-wallet account must be registered in the customer's own name |
| Neteller | Deposit & Withdrawal | €20 | E-wallet account must be registered in the customer's own name |
| Bitcoin | Deposit & Withdrawal | €20 | Wallet screening; funds must originate from customer's own wallet |
| Ethereum | Deposit & Withdrawal | €20 | Wallet screening; funds must originate from customer's own wallet |
Winzoria does not accept cash, money orders, or payments from anonymous or unverified sources. All transactions are processed over SSL-encrypted connections. Third-party deposits — where the payment source is not the registered customer's own account — are strictly prohibited and will be returned where identified, subject to applicable fees and the outcome of any AML review.
For cryptocurrency transactions, Winzoria employs blockchain analytics tools to assess the risk profile of depositing and withdrawing wallet addresses. Funds associated with flagged addresses, darknet markets, mixers, or other high-risk sources will not be accepted and will be subject to immediate investigation.
Winzoria screens all customers against international PEP databases, sanctions lists (including those maintained by the United Nations, European Union, and OFAC), and adverse media sources at the point of registration and on an ongoing basis. Where a customer is identified as a PEP, or as being subject to applicable sanctions, the following measures apply:
Being identified as a PEP does not automatically disqualify a customer from holding an account at winzorria.nl, but the enhanced scrutiny applied to such accounts is non-negotiable.
All Winzoria employees with responsibilities relating to customer onboarding, payment processing, customer support, or compliance are required to complete AML and KYC training as part of their induction and on a regular ongoing basis. Training covers the recognition of suspicious behaviour, the correct escalation procedures for raising internal concerns, tipping-off restrictions, and record-keeping obligations.
Winzoria maintains an appointed Money Laundering Reporting Officer ("MLRO") who is responsible for overseeing the implementation of this Policy, receiving and assessing internal suspicious activity reports, and making external disclosures to the relevant authorities where required. The MLRO has the authority to suspend or close any account where a compliance concern cannot be resolved to a satisfactory standard.
Winzoria does not permit individuals under the age of 18 to register or play at winzorria.nl. Age verification is conducted as part of the standard KYC process. Where there is any doubt as to the age of a customer, access to the platform will be restricted until satisfactory proof of age has been provided. In the event that a minor is found to have accessed the platform, the account will be closed immediately, all funds returned to the depositing payment method, and the matter reported to the appropriate authority.
Parents and guardians concerned about minors accessing online gambling services are encouraged to use commercially available parental control and website filtering software.
Winzoria recognises that certain patterns of gambling behaviour may indicate both a gambling disorder and potential money laundering activity. Our responsible gaming framework and our AML monitoring systems operate in parallel, and concerns identified through either channel may trigger review through the other. Customers who wish to set deposit limits, take a cooling-off period, or self-exclude are encouraged to contact our support team, which is available 24 hours a day, seven days a week via live chat and email through winzorria.nl.
Winzoria reviews this AML / KYC Policy on a regular basis and updates it as required to reflect changes in applicable law, regulatory guidance, industry best practice, or our own operational procedures. The current version of this Policy is always available at winzorria.nl. Continued use of the platform following any update constitutes acceptance of the revised Policy. Where changes are material, we will endeavour to notify registered customers by email.
If you have any questions about this Policy, require assistance with your KYC verification, or wish to report a concern relating to financial crime, please contact the Winzoria compliance and support team through the following channels:
Winzoria takes all compliance enquiries seriously and will respond promptly. Customers should be aware that during a compliance review, some account functions may be restricted until the review is concluded — this is a precautionary measure and does not imply any assumption of wrongdoing on the part of the customer.
