KYC & AML at LottoGo

KYC stands for Know Your Customer. It is the process of confirming an account holder’s identity using verified personal information and supporting documents. AML stands for Anti-Money Laundering. It refers to the controls used to detect, prevent, and report suspicious activity linked to financial crime. At an online casino operating under UKGC licence, both processes are required by law and work together: KYC establishes who you are, and AML checks confirm that your funds and transactions are legitimate.

ID verification may be requested at several points during your time on the platform. The following situations are documented by LottoGo and its UKGC licence obligations as potential triggers for identity or account checks.

1. At registration: LottoGo may initiate age and identity checks when you create an account, as required under UKGC regulations.
2. Before processing a withdrawal: Verification may be required before funds are released to confirm account ownership and payment method.
3. On reaching deposit or spend thresholds: Regulatory requirements may trigger additional checks when cumulative deposits or losses reach certain levels.
4. Following changes to account information: Updating payment details, address, or other personal data may prompt a re-verification request.
5. During a transaction review: Unusual or high-value transactions may prompt a manual review requiring document submission or further information.

LottoGo may request different types of documents depending on the nature of the verification check. The following categories reflect requirements documented under UKGC licensing conditions and LottoGo’s stated processes.

• Government-issued photo ID (e.g., passport or driving licence): Confirms your full legal name, date of birth, and nationality for age and identity verification purposes;
• Proof of address (e.g., utility bill or bank statement dated within 3 months): Verifies your current residential address as registered on the account;
• Payment method verification (e.g., screenshot or statement of the card or e-wallet used): Confirms ownership of the payment method linked to your account;
• Selfie or live photo: May be requested alongside a photo ID to confirm you are the genuine document holder;
• Source of funds documentation (e.g., payslip, bank statement, or proof of income): Required when transaction monitoring or regulatory thresholds trigger an enhanced due diligence check.

The verification process at LottoGo is managed through your account and can be completed online. The steps below reflect the documented process available to registered users.

1. Log in to your account: Access your LottoGo account and navigate to the account or verification section in your profile settings.
2. Submit the required documents: Upload clear, unobstructed images or scans of the documents requested. All four corners of each document must be visible.
3. Complete any additional checks: If a selfie or live verification step is requested, follow the on-screen instructions to complete it using your device camera.
4. Await the review outcome: LottoGo’s compliance team will review your submission. You will be notified by email once a decision has been reached.
5. Respond to follow-up requests: If additional documents or clarifications are needed, you will be contacted directly. Providing accurate information at this stage avoids delays to your account access or withdrawals.

AML controls at LottoGo are applied in accordance with the UK’s Proceeds of Crime Act 2002, the Terrorism Act 2000, and the UKGC’s licence conditions and codes of practice (LCCP). The following measures are part of the documented compliance framework.

• Transaction monitoring: All deposits and withdrawals are subject to automated and manual monitoring to identify patterns consistent with financial crime;
• Source of funds checks: When transaction volumes or account behaviour meet defined thresholds, LottoGo may request evidence of the origin of funds;
• Sanctions screening: Account details are checked against UK and international sanctions lists, including those maintained by HM Treasury and the Office of Financial Sanctions Implementation (OFSI);
• Enhanced due diligence (EDD): Accounts flagged as higher risk are subject to more detailed verification and ongoing review under UKGC-mandated EDD procedures;
• Suspicious activity reporting: LottoGo is legally required to file a Suspicious Activity Report (SAR) with the National Crime Agency (NCA) if there are reasonable grounds to suspect financial crime, without disclosing this to the account holder.

LottoGo may request further information beyond standard KYC documents in specific circumstances documented under its UKGC licence obligations. These checks are not routine but are applied when account activity or regulatory requirements indicate a need for closer review.

1. Affordability checks: LottoGo may request evidence of income or financial circumstances when cumulative losses or deposit levels reach thresholds set under UKGC consumer protection requirements.
2. Source of wealth documentation: In cases where the origin of funds cannot be established from standard documents, additional evidence such as evidence of a property sale, inheritance, or investment return may be requested.
3. Politically exposed persons (PEP) screening: If an account holder is identified as a PEP or a close associate of one, enhanced due diligence applies under UK anti-money laundering regulations.
4. Account reopening or reactivation: Returning to a dormant account or reopening a previously closed account may require a full repeat of the identity verification process.
5. Changes to payment methods: Adding a new bank account, card, or e-wallet may trigger a separate verification step to confirm ownership before the method can be used for deposits or withdrawals.

Information collected during identity verification and AML checks is processed in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. LottoGo uses personal data collected during these checks solely for compliance, fraud prevention, and account security purposes. Data may be shared with regulated third-party verification providers, the NCA, or other authorities where LottoGo has a legal obligation to do so. Access to your personal data is restricted to authorised personnel and relevant compliance systems. Full details of how your data is stored, retained, and protected are set out in the LottoGo Privacy Policy.