Lucky Coin KYC & AML Policy

Lucky Coin operates under strict Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations designed to protect every account holder and maintain the integrity of the platform. These frameworks are in place to meet New Zealand regulatory requirements and to ensure that all activity on the platform is lawful, traceable, and transparent. Users can expect a secure environment where identity check procedures and financial oversight form the foundation of responsible gaming.

Lucky Coin applies KYC and AML procedures to verify the identity of every account holder, prevent fraud, and protect the platform from financial crime. These measures uphold the following commitments to all users:

• Fair play: All users operate under equal conditions, with no tolerance for manipulation or deceptive behaviour.
• User safety: Account protection measures are in place to safeguard personal data and financial activity.
• Transparency: Verification and monitoring processes are applied consistently and without discrimination.
• Regulatory compliance: All procedures align with applicable New Zealand laws and reporting obligations.

Every new user is required to complete ID verification before accessing full platform features, including withdrawals and high-value transactions. The following categories of documents may be requested during the document submission process:

• Government-issued photo identification: A valid passport, national identity card, or driver’s licence displaying the user’s full name, date of birth, and photograph.
• Proof of address: A recent utility bill, bank statement, or official correspondence confirming the user’s current residential address.
• Payment method ownership confirmation: Documentation verifying that the payment instrument used belongs to the registered account holder, such as a bank statement or screenshot of a digital wallet.

Lucky Coin maintains a comprehensive set of security measures designed to detect and prevent money laundering, terrorism financing, and other forms of financial misconduct on the platform. The following controls are applied on an ongoing basis:

• Transaction monitoring: All deposits, withdrawals, and in-platform activity are subject to continuous review to identify irregular patterns.
• Automated detection rules: System-level triggers flag transactions that deviate from established behavioural baselines for further assessment.
• Enhanced due diligence: Additional verification steps are applied when high-risk events or elevated-risk account profiles are identified.
• Review of large and unusual transfers: Transactions that exceed standard thresholds or appear inconsistent with a user’s known profile are subject to manual review.
• Risk scoring: Each account is assigned a risk level based on activity, origin of funds, and behavioural indicators, which determines the level of oversight applied.
• Sanctions and PEP screening: All users are screened against international sanctions lists and Politically Exposed Persons (PEP) databases at registration and on an ongoing basis.
• Reporting obligations: Suspicious activity is reported to the relevant New Zealand authorities in accordance with applicable legal requirements.

Certain actions are strictly prohibited on Lucky Coin to support the integrity of KYC and AML compliance across the platform. The following activities are not permitted under any circumstances:

• Multi-accounting: Registering or operating more than one account per individual is prohibited.
• Forged or stolen documents: Submitting falsified, altered, or unauthorised identification during the document submission process is a serious violation.
• Laundering attempts: Using the platform to process, layer, or integrate funds of illicit origin is strictly forbidden.
• System manipulation: Any attempt to exploit platform mechanics, circumvent security measures, or interfere with transaction monitoring is prohibited.
• Sharing or selling account access: Transferring, lending, or selling account credentials to any third party is not permitted.
• Use of third-party payment instruments: Deposits and withdrawals must be made using payment methods that are solely owned by the registered account holder.
• Identity misrepresentation: Providing false personal data during registration or any stage of the ID verification process constitutes a breach of these obligations.

Each account holder is responsible for ensuring that all personal information provided to Lucky Coin is accurate, complete, and kept up to date at all times. Users are required to complete the ID verification process within any timeframes specified by the platform, and to respond promptly to requests for additional documentation or clarification. All deposits and withdrawals must be conducted exclusively through payment methods owned and controlled by the registered account holder. Users are also expected to notify the platform immediately if they become aware of any suspicious activity affecting their account or personal data.

Lucky Coin upholds fair play and transparency as core operational principles, ensuring that all users have access to a safe and trustworthy environment. The platform adheres to the following standards:

• Compliance with KYC and AML standards: All verification and monitoring processes align with applicable regulatory requirements in New Zealand.
• Confidentiality and protection of personal data: User information collected during the identity check and document submission process is handled in accordance with applicable privacy obligations.
• Ongoing monitoring for suspicious activity: Continuous oversight is maintained across all accounts and transactions to detect irregularities at the earliest opportunity.
• Prevention of manipulation and unfair behaviour: Security measures are in place to identify and address any attempt to compromise the integrity of the platform.
• User support on safety matters: Users may contact the support team for guidance on account protection, verification procedures, or any concerns related to security.
• Shared responsibility: Compliance is a shared obligation between the platform and its users, with each party expected to uphold their respective duties.
• Equal conditions for all users: KYC and AML procedures are applied consistently across all accounts, with no exceptions based on account status or activity volume.