This Anti-Money Laundering and Know Your Customer Policy ("Policy") governs all financial activity conducted through betninjalogin-nl.nl, operated by Magico Games N.V. under licence ALSI-082309007-FI4 issued by the Anjouan Gaming Authority. The Policy sets out betninja's obligations, procedures, and expectations with respect to the prevention of money laundering, terrorist financing, and financial crime, and explains what is required of every customer who registers and transacts on the platform.

1. Introduction and Purpose

Magico Games N.V. is committed to operating betninja in full compliance with applicable anti-money laundering ("AML") and counter-terrorist financing ("CTF") regulations. Money laundering is the process by which illegally obtained funds are moved through financial systems to disguise their criminal origin. Online gambling platforms can be targeted for such activity, and betninja takes its responsibility to prevent this seriously.

The purpose of this Policy is to:

• Establish a clear framework for identifying, verifying, and monitoring customers;
• Detect and report suspicious activity to the relevant authorities;
• Ensure that betninja is not used as a vehicle for money laundering, terrorist financing, or any related financial crime;
• Protect the integrity of betninja, its customers, and the wider financial system;
• Maintain compliance with the requirements of the Anjouan Gaming Authority and all applicable international AML/CTF standards.

This Policy applies to all customers, regardless of their chosen deposit or withdrawal method, account currency, or wagering activity.

2. Regulatory Framework

betninja operates under licence ALSI-082309007-FI4 granted by the Anjouan Gaming Authority to Magico Games N.V. All AML and KYC procedures implemented on betninjalogin-nl.nl are designed to satisfy the regulatory obligations imposed by that licence and to reflect internationally recognised standards, including those recommended by the Financial Action Task Force (FATF).

Magico Games N.V. reserves the right to update this Policy at any time to reflect changes in applicable law, regulatory guidance, or internal risk assessments. Material changes will be communicated to customers via betninjalogin-nl.nl. Continued use of the platform following any update constitutes acceptance of the revised Policy.

3. Know Your Customer (KYC) — Overview

KYC is the process by which betninja verifies the identity of its customers, confirms the legitimacy of their funds, and assesses the risk they present. KYC verification is mandatory for every registered account on betninjalogin-nl.nl and must be completed before any withdrawal is processed. In certain circumstances, verification may also be required before a deposit is accepted or gameplay is permitted to continue.

betninja aims to complete KYC verification within 24 hours in most cases. Customers are encouraged to submit documents promptly and in the correct format to avoid unnecessary delays to their withdrawal requests.

4. Customer Due Diligence (CDD)

4.1 Standard Due Diligence

All customers are subject to standard customer due diligence. This process is triggered at registration and must be completed in full before the first withdrawal is authorised. Standard CDD requires the submission and approval of the following documents:

• Proof of Identity: A valid, government-issued photo identification document. Acceptable documents include a national identity card, passport, or driving licence. The document must be current, clearly legible, and display the customer's full name, date of birth, and photograph.
• Proof of Address: A document confirming the customer's residential address, issued within the preceding three months. Acceptable documents include a utility bill, bank statement, or official government correspondence. The document must display the customer's full name and address.
• Payment Method Verification: Confirmation that the payment method used for deposits belongs to the customer. For card payments this may involve a scan of the card (with the middle eight digits obscured and the CVV covered); for e-wallets or bank accounts, a screenshot of the account showing the customer's name and account details may be requested.

All documents must be submitted in digital format — colour scans or high-resolution photographs are acceptable. Documents that are blurred, cropped, expired, or altered in any way will be rejected and re-submission will be required.

4.2 Enhanced Due Diligence (EDD)

Enhanced due diligence is applied where a customer presents a higher level of risk. This may be triggered by, but is not limited to, the following circumstances:

• The customer deposits or withdraws amounts that are unusually large relative to their profile;
• The customer is identified as a Politically Exposed Person (PEP) or is closely associated with one;
• The customer's account activity displays patterns that are inconsistent with their stated occupation or financial background;
• Deposits or withdrawals originate from or are directed to jurisdictions identified as high-risk by FATF or other recognised bodies;
• Inconsistencies arise between submitted documents and other information held by betninja;
• Unusual combinations of payment methods are used, particularly those that may obscure the origin or destination of funds.

Where EDD is required, customers may be asked to provide additional documentation, including but not limited to:

• Proof of source of funds (e.g., recent payslips, bank statements covering a minimum of three months, proof of business income, inheritance documentation, or investment account statements);
• Proof of source of wealth (e.g., evidence of accumulated assets, sale of property, or winnings from regulated gambling activities);
• A completed declaration of source of funds form;
• Additional identity verification steps, such as a live selfie or video call verification.

Accounts subject to EDD reviews will have their withdrawal functionality suspended until the review is satisfactorily concluded. betninja will communicate the outcome of any EDD review to the customer as promptly as reasonably practicable.

4.3 Simplified Due Diligence

Simplified due diligence may be applied at betninja's discretion in cases where risk is demonstrably low, in accordance with applicable regulatory guidance. The application of simplified due diligence does not exempt any customer from standard document checks; it may, however, affect the timing or scope of certain verification steps.

5. Acceptable Identification Documents

6. Timing of Verification

betninja applies a risk-based approach to the timing of verification checks. The following triggers may result in immediate suspension of withdrawal or deposit functionality until verification is complete:

• Prior to processing any withdrawal request — verification is mandatory and no exceptions are made;
• When cumulative deposits reach internal thresholds defined by betninja's risk assessment framework;
• When account activity generates an internal alert or suspicious activity flag;
• At any point deemed necessary by the betninja compliance team, regardless of prior verification status.

Customers are advised to complete KYC verification as early as possible after registration, rather than waiting until a withdrawal is requested. This will ensure that withdrawals are processed without avoidable delay. betninja targets a verification turnaround of under 24 hours for complete and valid document submissions.

7. Rollover Requirement Before First Withdrawal

In accordance with standard AML practice, all customers are required to roll their first deposit over at least once before a withdrawal request will be processed. This requirement exists to ensure that funds deposited into a betninja account are genuinely used for gaming activity and are not simply passed through the platform. This rollover is independent of any bonus wagering requirement and applies universally to all accounts.

8. Accepted Currencies and Payment Methods

betninja accepts the following fiat currencies: EUR, USD, GBP, AUD, and CAD. The following cryptocurrencies are also supported: Bitcoin (BTC), Ethereum (ETH), Tether (USDT), Litecoin (LTC), XRP, Solana (SOL), and Dogecoin (DOGE).

Accepted deposit methods include Visa, Mastercard, iDEAL, MiFinity, Apple Pay, Google Pay, Revolut, Skrill, Neteller, Trustly, Klarna, Paysafecard, AstroPay, PayPal, and the cryptocurrency options listed above. Please note that Visa and Mastercard are accepted for deposits only and cannot be used for withdrawals.

betninja does not accept payments made by third parties. All deposits must be made from a payment account or wallet that is registered in the name of the betninja account holder. Any funds received from third-party payment sources will be returned to the originating account and the deposit will not be credited. Where a third-party payment is identified, betninja reserves the right to suspend the account pending a full AML review.

Withdrawals are not processed on weekends. Customers should factor this into their expected payout timelines:

The monthly withdrawal limit across all methods is €50,000. These limits form part of betninja's broader transaction monitoring framework and are subject to review in individual cases where enhanced due diligence is required.

9. Transaction Monitoring

betninja operates a continuous transaction monitoring programme designed to identify unusual, suspicious, or potentially illicit financial activity. Monitoring is conducted on an automated basis and is supplemented by manual review by the compliance team. The following types of activity will trigger a review:

• Rapid deposit and withdrawal of funds with minimal gaming activity in between;
• Multiple deposits using different payment methods in a short period;
• Withdrawal requests directed to a payment method different from the one used for deposits;
• Deposits or withdrawals approaching or exceeding the weekly limit of €16,000 on a repeated or structured basis;
• Sudden and unexplained increases in deposit volume inconsistent with the customer's established profile;
• Use of multiple cryptocurrency wallets for deposits or withdrawals;
• Activity suggesting that the account may be controlled by a third party;
• Any pattern of behaviour that appears designed to circumvent betninja's AML controls.

Where a transaction or pattern of transactions is identified as suspicious, betninja will freeze the relevant funds pending review. If the review confirms reasonable grounds for suspicion, the matter will be escalated internally and reported to the appropriate authorities in accordance with applicable obligations. The customer will not be notified of any report made to the authorities where such notification would constitute "tipping off" under applicable law.

10. Politically Exposed Persons (PEPs) and Sanctions Screening

betninja screens all customers against international sanctions lists and PEP databases as part of the onboarding process and on an ongoing basis thereafter. A Politically Exposed Person is an individual who holds, or has held within the preceding 12 months, a prominent public function — including heads of state, senior government officials, judicial officers, senior military personnel, executives of state-owned enterprises, and senior officials of political parties — as well as their immediate family members and known close associates.

Customers identified as PEPs are automatically subject to enhanced due diligence. Registration of a PEP account does not guarantee access to the platform; betninja reserves the right to decline or terminate any account where the associated risk level is deemed unacceptable.

Any customer identified as being subject to international sanctions — including sanctions imposed by the United Nations, the European Union, or the Office of Foreign Assets Control (OFAC) — will have their account immediately suspended. All associated funds will be handled in accordance with applicable legal requirements.

11. Prohibited Jurisdictions

betninja does not accept registrations from customers located in jurisdictions where online gambling is prohibited or where betninja does not hold the requisite local licence. Additionally, customers located in jurisdictions identified as high-risk or non-cooperative by FATF are subject to significantly heightened scrutiny, and betninja reserves the right to decline or restrict such accounts at its sole discretion.

Customers must not use virtual private networks (VPNs), proxy servers, or any other technical means to circumvent geographic restrictions. Where such activity is detected, the account will be suspended immediately and any funds held may be subject to AML review prior to release.

12. Suspicious Activity Reporting

betninja maintains internal procedures for the identification, escalation, and reporting of suspicious activity. The compliance team acts as the designated Money Laundering Reporting Officer (MLRO) function for Magico Games N.V. in the context of betninjalogin-nl.nl operations. Where a member of staff or an automated system flags activity as potentially suspicious, the following process applies:

• The activity is reviewed by the compliance team as promptly as possible;
• Where the review confirms reasonable grounds for suspicion, a Suspicious Activity Report (SAR) is filed with the appropriate authority;
• The account and associated funds are frozen for the duration of the review and for any period required by law thereafter;
• No disclosure is made to the customer where such disclosure would constitute tipping off.

betninja cooperates fully with law enforcement agencies and regulatory authorities. Where required by a valid legal order, betninja will disclose customer account information and transaction records without prior notice to the customer.

13. Record Keeping

betninja retains all customer identification documents, transaction records, and AML-related reports for a minimum of five years from the date of the relevant transaction or the date on which the customer relationship ends, whichever is later. Records are stored securely and are accessible only to authorised personnel and, where legally required, to regulatory authorities.

Records retained include, but are not limited to:

• Customer registration data and all KYC documents submitted;
• Full transaction history, including deposits, withdrawals, bonuses, and internal transfers;
• Copies of all SARs filed;
• Records of all EDD reviews conducted;
• Correspondence with customers relating to AML or KYC matters.

14. Staff Training and Internal Controls

Magico Games N.V. ensures that all personnel involved in the operation of betninjalogin-nl.nl who are responsible for customer-facing or compliance functions receive appropriate training in AML and KYC obligations. Training covers the recognition of suspicious activity, the correct procedures for escalating concerns, the legal obligations applicable to the business, and the consequences of non-compliance. Training records are maintained and reviewed on a regular basis.

Internal controls are reviewed periodically to ensure they remain effective, proportionate, and aligned with current regulatory expectations.

15. Customer Responsibilities

Customers using betninjalogin-nl.nl are required to:

• Provide accurate, complete, and up-to-date information at the time of registration and at any subsequent point when requested;
• Submit valid KYC documents promptly when requested by betninja;
• Notify betninja immediately of any change in personal details, including name, address, or payment method;
• Ensure that all funds deposited into their betninja account are from legitimate sources and belong to them personally;
• Refrain from using their account for any activity that could constitute money laundering, terrorist financing, or any other financial crime;
• Not attempt to circumvent AML or KYC controls through any means, including the use of third-party accounts, VPNs, or structured transactions.

Failure to comply with any of the above may result in account suspension, withdrawal of funds being withheld pending review, and reporting of the matter to the relevant authorities. betninja accepts no liability for losses arising from account suspension or fund withholding where such action is taken in good faith as part of an AML or KYC investigation.

16. Account Suspension and Fund Withholding

betninja reserves the right to suspend any customer account and withhold associated funds at any time where:

• KYC verification has not been completed within the timeframe requested;
• Documents submitted are invalid, expired, inconsistent, or suspected to be fraudulent;
• Transaction monitoring identifies patterns consistent with money laundering or financial crime;
• The customer is identified as a sanctioned individual or entity;
• A regulatory authority, law enforcement agency, or court issues an instruction to freeze the account;
• Any other circumstance arises that, in the reasonable opinion of the betninja compliance team, warrants investigation.

Where funds are withheld following an AML investigation and are subsequently determined to be the proceeds of criminal activity, betninja will dispose of those funds in accordance with its legal obligations, which may include surrendering them to the relevant authority. betninja will not be liable to the customer in such circumstances.

17. Responsible Gambling and AML

betninja recognises that problem gambling behaviour can sometimes overlap with AML risk indicators — for example, where a customer deposits sums disproportionate to their known financial circumstances. Where the compliance team identifies such patterns, the matter may be referred simultaneously to the AML review process and to the responsible gambling team, both of which operate independently but may share relevant information where permitted by law.

Customers who believe they may have a gambling problem are encouraged to make use of the responsible gambling tools available on betninjalogin-nl.nl, including deposit limits, session limits, self-exclusion, and access to support resources.

18. Contact and Complaints

If you have questions regarding this Policy, or if you wish to provide additional information in connection with a KYC or AML review of your account, please contact the betninja compliance team using the following channels:

• Live Chat: Available 24 hours a day, 7 days a week, via betninjalogin-nl.nl
• Email: [email protected]

Please quote your registered account username or email address in all correspondence to allow the team to locate your account promptly. betninja aims to respond to all compliance-related enquiries within 24 hours on business days.

This Policy was last reviewed in 2025 and is subject to periodic update. The current version is always available at betninjalogin-nl.nl.