Scope and Purpose

Interbahis maintains a Know Your Customer (KYC) and anti‑money laundering (AML) program to identify and verify customers, assess risk, and monitor activity in compliance with applicable laws. This policy governs all account openings, deposits, withdrawals, and transfers across all gaming and payment services offered by Interbahis.

Age Verification and Eligibility

Interbahis will verify that every applicant is at least 18 years old before enabling real‑money play or withdrawals. Verification may be conducted at onboarding or prior to withdrawal. Providing false or misleading age information constitutes grounds for immediate account suspension, closure and potential legal action.

Know Your Customer Verification Stages

Interbahis applies a tiered, risk‑based verification approach consisting of three stages. Stage 1 is required to enable withdrawals. Stage 2 is triggered for higher activity and requires additional documentation. Stage 3 is triggered for high‑value activity and requires confirmation of source of funds. Completion of each stage may be delayed or the account restricted if documentation is incomplete or unclear. The stages and requirements are described below.

1. Stage 1 — Identity and withdrawal eligibility: identity verification is required to withdraw funds. Documentation is requested in accordance with the Identity Documentation Requirements.

2. Stage 2 — Enhanced verification for higher activity: triggers when deposits or withdrawals exceed defined thresholds. Additional identity checks and address verification are performed. Timelines remain subject to document quality; improper submissions may delay processing.

3. Stage 3 — Source of funds and wealth verification: triggers for deposits or withdrawals above higher thresholds. Verification of the source of funds is required. Failure to provide adequate SOW may result in restrictions or suspension of activity.

Identity Documentation Requirements

• Government‑issued photo ID: a valid passport, national identity card, or driving license. The document must be legible and show the holder’s full name, date of birth, and photograph. Where applicable, provide front and back sides.
• Alternative where no photo ID is available: a birth certificate may be accepted as a secondary option if accompanied by a live selfie showing the holder with the birth certificate.

Proof of Address

• Utility bill or bank statement showing the customer’s name and current residential address, issued within the last three months. The document must be clear, with all four corners visible and readable details.

Proof of Payment Methods

• Card payments: copies of the debit/credit card used on the account. The copies must display the cardholder’s name, the first six and last four digits, and a signature. For security, redact the middle digits and CVV; the card’s full number must not be exposed.
• eWallets: a screenshot of the eWallet account showing the registered email or account identifier and the cardholder’s name.
• Bank transfers: a bank statement issued within the last three months showing the bank name, account number, IBAN, and BIC; all four corners visible. A deposit confirmation or screenshot of the transaction to the Interbahis account may also be requested.
• Crypto currencies: screenshots showing the wallet profile and a recent transaction, with the user’s email and account identifier visible where possible.
• Prepaid vouchers: not verified for KYC purposes.

Document Submission Process

Documents must be uploaded securely via the Documents tab in the My Account area. Accepted formats include JPEG, PNG, and PDF. Each document should be uploaded as a separate file and be clearly legible. For online submissions, ensure images are in focus and text is readable; avoid glare. Interbahis reviews submissions within three business days of receipt. If documents are unclear or incomplete, you will be notified to re‑submit.

Source of Funds and Wealth (SOW)

For deposits exceeding 5,000 USD, Interbahis requires verification of the source of funds and, where appropriate, the source of wealth. Acceptable evidence includes proof of employment or business ownership, bank statements showing the transfer path from the source, investment statements, inheritance documents, or other credible documentation. If SOW cannot be established, Interbahis may suspend withdrawals or reject deposits tied to the transaction until adequate evidence is provided.

Risk Management and Enhanced Due Diligence

• Interbahis applies a risk‑based approach, categorizing customers by jurisdiction, expected activity, and funding sources. Certain regions may require stricter verification or be restricted from service where warranted by risk assessment.
• An AML Compliance Officer supervises policy implementation. An automated monitoring system flags unusual patterns; human review may be invoked to conduct additional checks.
• Annual Enterprise‑wide Risk Assessments (EWRA) are conducted to identify evolving risk factors and to adjust controls accordingly.

Ongoing Monitoring and Review

• Interbahis conducts ongoing transaction monitoring to identify activity that is unusual or inconsistent with a customer profile or risk indicators.
• Controls are implemented across three lines: first line through payment service providers with AML controls; second line through internal due diligence on transactions and payments; third line through manual review by the AML team for high‑risk or flagged cases.

Data Retention and Privacy

Identification data and KYC materials are retained for a minimum of ten years after the termination of the customer relationship, or longer if required by applicable law. Personal data is processed in accordance with data protection laws and stored with access restricted to authorized personnel for legitimate purposes under this policy.

Compliance, Reporting and Customer Rights

Interbahis will report suspicious activity to the relevant authorities in accordance with applicable law and internal procedures. Where verification raises concerns about identity or funds, activity may be suspended and additional documentation requested. Customers will be informed of actions taken where permissible, and may contact Support within the account area to submit supplementary information or raise questions about KYC requirements.