Anti-Money Laundering (AML) Policy at Croco Casino

Croco Casino is committed to preventing money laundering, terrorism financing and other unlawful financial activities through a structured Anti-Money Laundering (AML) and Know Your Customer (KYC) framework. The purpose of this policy is to ensure that all financial transactions conducted through the platform are legitimate, transparent and compliant with applicable international standards and Australian regulatory expectations. AML compliance safeguards the integrity of the gaming environment and protects both the platform and its users from misuse.

Croco Casino operates under a licensed framework and applies internal controls aligned with internationally recognised AML principles, including risk-based monitoring, customer identification procedures and mandatory reporting obligations.

Objectives of the AML Policy

The primary objective of the Croco Casino AML Policy is to prevent the platform from being used for money laundering, fraud, terrorist financing or other criminal activities. This includes detecting suspicious financial behaviour, verifying the identity of all players and maintaining appropriate transaction oversight.

The policy is designed to ensure compliance with international AML standards and relevant regulatory expectations, including cooperation with the Australian Transaction Reports and Analysis Centre (AUSTRAC) where applicable. Croco Casino applies a risk-based approach to customer due diligence, transaction monitoring and internal review procedures.

• Ensuring transparency in all deposit and withdrawal activity.
• Verifying that funds used for gaming originate from legitimate sources.
• Preventing the use of third-party payment methods or unauthorised accounts.
• Maintaining accurate records for audit and compliance review.

These objectives are implemented through structured operational procedures embedded into account management and financial processing systems.

Customer Identification (KYC)

Croco Casino applies Know Your Customer (KYC) procedures to verify the identity of every player. KYC verification may occur at account registration, prior to the first withdrawal, or when transaction thresholds or risk indicators are triggered.

During registration, players are required to provide accurate personal information, including full legal name, date of birth, residential address and contact details. Accounts must be registered in the player’s own name, and the use of third-party identities is strictly prohibited.

When full identity verification is required, players may be requested to submit:

• Government-issued photo identification such as a passport or Australian driver licence.
• Proof of residential address dated within the last three months, for example a utility bill or bank statement.
• Verification of payment method ownership, such as a masked copy of a bank card or confirmation from a digital wallet provider.

Documentation is reviewed by the compliance team before withdrawals are processed. Enhanced due diligence procedures may apply in cases involving higher transaction volumes or elevated risk factors.

Croco Casino reserves the right to temporarily restrict account functionality until identity verification requirements are fulfilled. Failure to provide requested documentation may result in account suspension.

Transaction Monitoring

All financial transactions conducted through Croco Casino are subject to continuous monitoring. This includes deposits, withdrawals, bonus activity and wagering patterns. The purpose of transaction monitoring is to detect unusual, inconsistent or high-risk behaviour that may indicate potential money laundering activity.

Automated systems analyse transaction frequency, deposit patterns, withdrawal timing and account activity ratios. Indicators that may trigger review include:

• Rapid movement of funds without proportional gaming activity.
• Multiple payment methods linked to a single account.
• Deposits followed by immediate withdrawal attempts.
• Repeated transactions just below internal reporting thresholds.

Where irregular activity is detected, the compliance team conducts an internal assessment. This may include requesting additional documentation to verify the source of funds.

Croco Casino maintains the right to delay or refuse withdrawals pending internal AML review. Transactions suspected of being linked to unlawful activity are subject to further investigation and reporting.

Reporting and Record-Keeping

Croco Casino maintains detailed records of all customer identification documents, transaction data and internal compliance reviews. Records are stored securely in accordance with applicable data protection laws and retained for a minimum of five years from the date of the last recorded transaction.

Where suspicious activity is identified, Croco Casino may file a Suspicious Matter Report (SMR) with the relevant authority, including AUSTRAC where applicable under Australian reporting obligations. Such reporting is conducted confidentially and in accordance with statutory requirements.

The casino also maintains internal audit logs documenting compliance reviews, transaction flags and account investigations. Access to compliance records is restricted to authorised personnel only.

Croco Casino does not disclose to players when a report has been submitted to a regulatory authority, in accordance with applicable non-disclosure obligations.

Compliance and Cooperation

Croco Casino operates in alignment with international AML standards and cooperates with regulatory bodies and law enforcement agencies where required by law. The platform implements internal training programmes for staff to ensure that AML responsibilities are understood and consistently applied.

Compliance officers oversee the implementation of AML controls and conduct regular internal assessments of monitoring systems and reporting procedures. Policies are reviewed periodically to reflect changes in regulatory expectations and risk exposure.

The casino restricts access from jurisdictions identified as high-risk or sanctioned territories in accordance with international compliance standards. Accounts associated with restricted jurisdictions may be blocked or terminated in line with regulatory obligations.

Croco Casino also adheres to financial crime prevention standards set by relevant authorities and implements procedures to prevent identity fraud, chargeback abuse and misuse of payment instruments.

Player Responsibilities

Players are required to provide accurate and complete information during registration and verification processes. The use of false, misleading or third-party information is prohibited and may result in account suspension.

Each player is responsible for ensuring that deposited funds originate from lawful sources. Croco Casino prohibits the use of anonymous payment instruments and third-party cards or accounts not registered in the player’s own name.

Players must cooperate with compliance requests, including the submission of identification documents or source-of-funds verification when required. Refusal to comply with AML procedures may lead to account restrictions or permanent closure.

Maintaining transparency in financial activity is essential to preserving the integrity of the platform. Croco Casino enforces its AML obligations consistently to ensure legal operation and responsible financial management.