Phpone
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Anti-money Laundering

Purpose and scope

Phpone maintains an anti-money laundering (AML) and countering the financing of terrorism (CFT) program to detect, prevent and report illicit financial activity arising from gambling services offered to customers. This policy applies to all customers, agents and employees, and governs customer on-boarding, ongoing monitoring, and interactions with Phpone’s products and payment methods.

Regulatory framework

Phpone operates under a gaming license issued by the relevant regulatory authority and is subject to AML/CFT requirements applicable to licensed online gambling operators. The program integrates customer due diligence, transaction monitoring, recordkeeping, reporting to competent authorities, and cooperation with regulators as a condition of ongoing operation.

Know Your Customer and identity verification

Phpone conducts identity verification prior to enabling real-money play and on a risk-based basis thereafter. During registration, customers must provide accurate, current information, including full name, date of birth, country of residence, address, and valid contact details. Accepted identity documents include government-issued photo identification and proof of address. Documents must be legible, in colour, and reflect the same information as the account profile. Uploads are made through Phpone’s documents portal. Where requested, customers must supply copies of funding methods in order to establish the source of funds. The operator reserves the right to perform additional identity checks and to suspend or limit access pending verification. Age verification confirms that the customer has attained the legal age for participation and may trigger account restrictions if not satisfied.

Risk-based due diligence and ongoing monitoring

Phpone employs ongoing monitoring of customer activity, including transaction patterns, deposits, withdrawals, and game play, to identify unusual or suspicious activity. Automated risk scoring flags high-risk behavior, including rapid increases in activity, frequent large deposits, or activity from high-risk jurisdictions. When risk indicators are detected, Phpone may require additional verification, impose thresholds, or temporarily restrict access pending completion of checks.

Source of funds and wealth verification

Customers must demonstrate the legitimate source of funds used for gambling. Phpone may request documentation such as bank statements, payslips, or letters from financial institutions to confirm funds origin. For high-risk profiles or large transactions, Phpone may request further information, including details of the source of wealth and the nature of employment or business activity. Failure to provide requested information within seven (7) days may result in account restrictions or closure.

Account management and restrictions

Each customer may hold a single Phpone account. Attempts to open or operate multiple accounts by the same person may result in account closure and forfeiture of balances. Customers must maintain accurate and up-to-date information; changes should be reported promptly with appropriate documentation.

Sanctions screening, geolocation and restricted jurisdictions

Phpone conducts sanctions and sanctions-related screening for customers and payment counterparties and may refuse service or terminate access where the customer is located in or connected to restricted jurisdictions or where doing so is required by law. Location checks and ongoing screening are performed to maintain compliance with applicable regulations.

Payments, records and retention

All payments and transactional data are monitored and recorded. Phpone retains transactional and customer information for a minimum period consistent with applicable AML laws and licensing requirements, ordinarily not less than five (5) years from the date of last activity or account closure. These records support investigation, regulatory reporting and auditing purposes.

Data protection, privacy and security

Phpone protects personal data using industry-standard security measures, including encryption in transit (TLS/SSL) and access controls. A Data Protection Officer oversees privacy compliance. Customers have rights provided by applicable data protection laws, including access, rectification, and restriction of processing; they may object to marketing communications and must provide consent where required.

Sharing and disclosures

Phpone may disclose personal data to payment processors, fraud prevention service providers, regulators, and as required by law or regulation. Data may be transferred to other entities within Phpone’s corporate group or to trusted service providers for the purposes of administering the service. In the event of a corporate transaction, customer data may be included in the transfer, with prior notice where required by law.

Suspicious activity reporting and cooperation with authorities

Phpone is obligated to report suspicious activity and may file reports with competent authorities in accordance with applicable laws. Where warranted by risk indicators, Phpone will temporarily suspend or close an account and preserve relevant records to facilitate investigations.

Training, governance and review

Phpone maintains an AML governance framework, including periodic risk assessments, internal controls, independent reviews, and staff training on AML, fraud prevention, and data protection to ensure ongoing compliance with regulatory expectations.

Contact and inquiries

For questions about this AML policy or requests related to personal data, customers may contact Phpone’s Compliance and Data Protection Office in accordance with the procedures published in the Terms and Conditions. Suspected fraud or money laundering should be reported promptly in accordance with internal escalation channels and applicable laws.

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