S91 AML & KYC Policy

The S91 AML & KYC Policy establishes measures intended to maintain a secure Platform and support compliance with applicable financial requirements. It focuses on preventing money laundering and fraud, protecting users and supporting compliance with applicable laws and regulations.

Prevent Money Laundering

S91 applies AML measures to help identify and prevent activities that may involve money laundering or other illegal financial conduct on the Platform.

Prevent Fraud

The policy supports fraud prevention by allowing S91 to verify users, monitor relevant transactions and review unusual or suspicious activity.

Protect Platform Users

Identity verification, transaction monitoring and risk reviews are used as security measures intended to protect both users and the Platform from fraudulent or illegal activity.

Comply With Applicable Requirements

S91 applies its AML and KYC measures to support compliance with applicable laws and regulations governing Platform activities.

S91 may request identity verification before allowing a user to access certain Platform services, including withdrawals. The verification process may require identity, residential and payment ownership information depending on the circumstances.

Government-Issued Identification

Users may be asked to provide a government-issued identification document as part of the S91 KYC process.

Selfie Verification

S91 may request selfie verification to support the process of confirming a user’s identity.

Proof of Residential Address

Proof of residential address may be requested when additional information is required as part of identity verification.

Verification of Payment Ownership

S91 may request information or supporting documentation to verify ownership of a payment method associated with Platform activity.

Access When KYC Is Not Completed

Users who fail to complete a requested identity verification process may have limited access to certain S91 Platform features.

S91 may monitor selected Platform transactions and account activities to identify unusual patterns and detect potentially suspicious or fraudulent behaviour.

Deposits and Withdrawals

Deposit and withdrawal activity may be monitored as part of the Platform’s AML, KYC and security controls.

Buyback Transactions

S91 may monitor Buyback transactions to identify activity or transaction patterns that require additional review.

Reward Claims

Reward claims may be monitored to help identify suspicious activity, abuse or other behaviour requiring further assessment.

Unusual Transaction Patterns

Transaction patterns that appear unusual may be reviewed by S91 as part of its measures for identifying suspicious or fraudulent behaviour.

Multiple Account Activities

S91 may monitor activity involving multiple accounts where such behaviour could indicate fraud, abuse or other suspicious Platform activity.

When S91 detects activity that may be suspicious, the Platform may conduct a risk review and take additional measures depending on the circumstances. These actions are intended to protect users and the Platform.

Request Additional Supporting Documents

S91 may request additional documentation when more information is needed to verify a user, transaction or activity under review.

Delay Transaction Processing

Transaction processing may be delayed while S91 performs security checks or reviews activity identified as potentially suspicious.

Reject Withdrawals

S91 may reject a withdrawal when the transaction or associated account activity raises concerns that require action under its AML, KYC or security measures.

Temporarily Freeze Accounts

An account may be temporarily frozen when suspicious activity is detected and further investigation or verification is required.

Suspend Platform Access

S91 may suspend access to the Platform where its risk review identifies activity that requires such action to protect users or the Platform.

S91 may retain transaction records and identity verification documents for the period required by applicable laws or legitimate business purposes.

Transaction Records

Records relating to Platform transactions may be retained where necessary to satisfy applicable legal requirements or legitimate business purposes.

Verification Documents

Documents collected during KYC or other verification procedures may also be retained for as long as required under applicable laws or legitimate business requirements.

S91 reserves the right to cooperate with regulatory authorities when required by law. Users are expected to use the Platform lawfully and comply with applicable Platform requirements.

Cooperation With Regulatory Authorities

Where legally required, S91 may cooperate with regulatory authorities in matters connected with AML, KYC, fraud prevention or other applicable compliance obligations.

Fraudulent or Illegal Activities

Users found engaging in fraudulent, illegal or money laundering activities may have their S91 accounts suspended or permanently terminated.

S91 may revise its AML & KYC Policy from time to time. The latest version will remain available on the Platform so users can review the current requirements and procedures.

Review the Latest Policy

Users should refer to the latest published version of the S91 AML & KYC Policy for current information regarding identity verification, transaction monitoring, risk review and related compliance measures.

What is the S91 AML & KYC Policy?

The policy explains S91 measures for Anti-Money Laundering and Know Your Customer requirements, including identity verification, transaction monitoring, risk review, record retention and compliance.

Why does S91 have AML and KYC requirements?

The policy is intended to prevent money laundering and fraud, protect users and support compliance with applicable laws and regulations.

Does S91 require KYC verification?

S91 may request KYC identity verification before providing access to certain services, including withdrawals.

What documents can S91 request for KYC?

Verification may include government-issued identification, selfie verification, proof of residential address and verification of payment ownership.

What happens if I do not complete KYC?

Users who fail to complete requested verification may have limited access to certain Platform features.

What transactions can S91 monitor?

S91 may monitor deposits, withdrawals, Buyback transactions, reward claims, unusual transaction patterns and multiple-account activities.

Can S91 request additional documents?

Yes. If suspicious activity is detected, S91 may request additional supporting documents as part of its risk review.

Can S91 delay or reject a withdrawal?

Yes. Where suspicious activity is identified, S91 may delay transaction processing or reject a withdrawal as part of its risk-review measures.

Can an S91 account be temporarily frozen?

Yes. S91 may temporarily freeze an account when suspicious activity requires further review or verification.

How long does S91 retain KYC documents and transaction records?

S91 may retain verification documents and transaction records for as long as required by applicable laws or legitimate business purposes.

Can S91 cooperate with regulatory authorities?

Yes. S91 reserves the right to cooperate with regulatory authorities where required by law.

What can happen if a user engages in money laundering or fraud?

Users found engaging in fraudulent, illegal or money laundering activities may have their accounts suspended or permanently terminated.

Can the S91 AML & KYC Policy be updated?

Yes. S91 may update the policy from time to time, and the latest version will be made available on the Platform.