This Anti-Money Laundering and Know Your Customer Policy ("Policy") applies to all players who register and transact on thegoldenpanda.org, operated by Golden Panda. The Policy sets out the obligations Golden Panda assumes under its applicable licensing conditions and the standards it applies to detect, prevent, and report financial crime. By creating an account and using any of our services, you confirm that you have read, understood, and agree to comply with this Policy in full.

1. Regulatory Framework and Licensing

Golden Panda is operated under dual-licensing arrangements that carry specific obligations regarding anti-money laundering ("AML"), counter-terrorism financing ("CTF"), and know your customer ("KYC") compliance. Our licences require us to maintain robust safeguards across all player interactions, payment flows, and account management processes.

As a licensed operator, Golden Panda is obligated to:

• Identify and verify the identity of all customers before processing withdrawals and, in certain risk-based circumstances, before accepting deposits;
• Monitor transactions on an ongoing basis and flag suspicious activity;
• Maintain accurate records of all identity documents, transaction histories, and risk assessments;
• Report suspicious transactions to the relevant authorities as required under applicable law;
• Refuse service or terminate accounts where AML/CTF risks cannot be adequately mitigated.

All data transmitted through thegoldenpanda.org is protected by 256-bit SSL encryption, ensuring that documents and personal information submitted during the KYC process are handled securely.

2. What Is Money Laundering?

Money laundering is the process by which criminally obtained funds are introduced into, moved through, or extracted from the legitimate financial system in order to disguise their illegal origin. In the context of online gambling, money laundering may occur when individuals use a gaming platform as a vehicle to place, layer, or integrate illicit funds. Golden Panda is committed to ensuring that its platform is not exploited for this purpose.

The three recognised stages of money laundering are:

• Placement — the introduction of illegally obtained funds into the financial system, for example by depositing funds into a gaming account;
• Layering — the process of disguising the trail of funds through a series of complex transactions, transfers, or wagering activity designed to obscure the origin of funds;
• Integration — the re-entry of laundered funds into the legitimate economy, appearing to originate from a lawful source such as gambling winnings.

3. Know Your Customer (KYC) Requirements

Golden Panda applies a risk-based approach to customer due diligence. All players are required to complete identity verification before any withdrawal is processed. Verification may also be required at other stages of the customer relationship, including where deposit volumes reach certain thresholds or where account activity triggers a risk indicator.

3.1 Standard Verification Documents

To satisfy our standard KYC requirements, players must provide the following:

• Proof of Identity — a government-issued document that includes your full name, photograph, and date of birth. Acceptable documents include a valid passport, national identity card, or driving licence;
• Proof of Address — a document confirming your current residential address, issued within the preceding three months. Acceptable documents include a utility bill, bank statement, or official government correspondence;
• Proof of Payment Method — where required, we may ask for confirmation that you are the rightful owner of the payment method used for deposits or withdrawals. For card payments this may include a photograph of the card (with the middle digits and CVV obscured). For cryptocurrency wallets, we may request confirmation of wallet ownership.

Where a player's account activity or risk profile requires it, Golden Panda may also request additional documentation, including but not limited to:

• Source of funds documentation (for example, payslips, bank statements, or accountant letters);
• Source of wealth documentation (for example, evidence of savings, inheritance, or investment proceeds);
• Enhanced due diligence documentation where a player is identified as a Politically Exposed Person ("PEP") or is connected to a high-risk jurisdiction.

3.2 Verification Timescales

Golden Panda aims to complete standard identity verification within 24 hours of receiving clear, legible copies of all required documents. Players are encouraged to submit documents promptly to avoid delays to withdrawal processing. No withdrawal will be released until KYC verification has been completed to the satisfaction of our compliance team.

3.3 Document Standards

All documents submitted must be:

• Current and valid at the time of submission (not expired);
• Clearly legible — all four corners of the document must be visible;
• Unaltered and authentic — we will not accept documents that appear to have been edited or manipulated in any way;
• Submitted as colour images or scans of sufficient resolution to permit clear reading of all text and security features.

Golden Panda reserves the right to reject documents that do not meet these standards and to request resubmission before verification can be completed.

3.4 Age Verification

Players must be of legal age to gamble in their jurisdiction of residence. Golden Panda will not knowingly provide services to any individual under the age of 18. Age verification is conducted as part of the standard KYC process. Where there is any uncertainty about a player's age, their account will be suspended and access to funds withheld pending satisfactory proof that the player is aged 18 or over. Any winnings accrued by a player subsequently found to be underage will be forfeited.

4. Ongoing Monitoring and Enhanced Due Diligence

Golden Panda's compliance obligations do not end at account registration. We operate a programme of continuous monitoring designed to identify unusual or suspicious patterns of behaviour throughout the life of a player's account.

4.1 Transaction Monitoring

Our systems monitor all deposits, withdrawals, and in-account activity for indicators of potential money laundering or other financial crime. Factors that may trigger a review include, but are not limited to:

• Unusually large deposits or withdrawals relative to a player's established activity profile;
• Rapid, repetitive deposits and withdrawals with minimal or no associated gameplay;
• Deposits using multiple different payment methods or from multiple accounts in a short period;
• Requests to withdraw to a payment method that was not used for deposits;
• Account activity inconsistent with the player's stated occupation or financial circumstances;
• Multiple accounts linked by common identifiers such as device, IP address, or payment method;
• Deposits or activity originating from jurisdictions subject to international sanctions or identified as high-risk by relevant authorities.

4.2 Enhanced Due Diligence (EDD)

Where a player's activity or profile presents an elevated risk, Golden Panda will apply Enhanced Due Diligence measures. This may include requesting detailed source of funds or source of wealth evidence, conducting additional background checks, applying transaction limits, or temporarily restricting withdrawals while the review is completed. EDD may be triggered by:

• Identification of the player as a Politically Exposed Person (PEP) or a close associate of a PEP;
• Connections to a sanctioned individual, entity, or jurisdiction;
• Transaction volumes or patterns that exceed risk thresholds established by our compliance team;
• Inconsistencies in documents or information provided at verification stage.

4.3 Politically Exposed Persons (PEPs)

A Politically Exposed Person is an individual who holds or has held a prominent public function, or who is a close family member or known associate of such a person. PEPs present a higher inherent risk of exposure to bribery and corruption. Golden Panda will identify PEPs during the onboarding and ongoing monitoring process and will apply appropriate EDD measures. Providing services to a PEP is not prohibited, but will be subject to senior management approval and additional scrutiny.

5. Prohibited Activities

The following activities are strictly prohibited on thegoldenpanda.org and will result in immediate account suspension, forfeiture of funds, and referral to the relevant authorities where appropriate:

• Using the platform to launder money or to facilitate money laundering by any third party;
• Using funds derived from illegal activity to make deposits;
• Providing false, incomplete, or misleading information or documentation during the KYC process;
• Using another person's identity or payment method without their knowledge or consent;
• Operating multiple accounts in order to circumvent KYC, AML, or bonus controls;
• Any form of collusion, chip-dumping, bonus abuse, or other fraudulent activity designed to extract value from the platform dishonestly;
• Conducting transactions on behalf of undisclosed third parties (so-called "smurfing").

6. Payment Methods and Financial Controls

Golden Panda supports a broad range of payment methods across deposits and withdrawals, including Visa, Mastercard, Skrill, Neteller, PayPal, MiFinity, Paysafecard, Neosurf, Trustly, GiroPay, EPS, Apple Pay, Google Pay, bank transfers, and a range of cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), USDT, USDC, XRP, BNB, and TRX.

The following financial controls apply across all payment methods and are relevant to our AML obligations:

Third-party payments — that is, deposits or withdrawals made using a payment method that belongs to a person other than the registered account holder — are not permitted under any circumstances. Any such transaction identified by our compliance team will be reversed and the account suspended pending investigation.

Golden Panda does not charge systematic fees at the cashier; however, players should confirm the position with their specific payment provider, as certain methods may incur charges at the provider's end.

7. Cryptocurrency Transactions

Golden Panda accepts deposits and withdrawals in a range of cryptocurrencies. Cryptocurrency transactions are pseudonymous by nature, which requires us to apply additional diligence to ensure compliance with our AML obligations. The following principles apply to cryptocurrency transactions:

• Players must use cryptocurrency wallets that are registered in their own name or are otherwise within their sole ownership and control;
• We reserve the right to conduct blockchain analysis on cryptocurrency deposits and withdrawals where we deem it appropriate to assess the origin or destination of funds;
• Funds originating from wallets associated with illicit activity, darknet markets, sanctioned entities, or mixing services may be frozen pending investigation;
• All cryptocurrency transactions remain subject to the same KYC and EDD requirements as fiat currency transactions;
• The same prohibition on third-party payments applies — players must not deposit or receive withdrawals to wallets owned by another person.

8. Suspicious Activity Reporting

Where Golden Panda's compliance team identifies activity that is suspected or known to be connected to money laundering, terrorism financing, or other financial crime, we are obligated to file a Suspicious Activity Report ("SAR") or equivalent report with the relevant regulatory or law-enforcement authority. Golden Panda operates a strict policy of non-disclosure in respect of any SAR that has been or may be filed — informing a player that a report has been made, or "tipping off", is prohibited by law.

During an investigation, Golden Panda reserves the right to:

• Suspend deposits, withdrawals, or gameplay on the account under review;
• Request additional information or documentation from the player;
• Place a hold on funds in the account for as long as is reasonably required to complete the investigation;
• Share relevant information with regulatory authorities, law-enforcement agencies, and, where appropriate, other licensed operators.

9. Record Keeping

Golden Panda maintains comprehensive records of all customer due diligence documentation, transaction histories, and compliance assessments for a minimum period in accordance with our licensing conditions and applicable law. These records include:

• Copies of all identity and address verification documents submitted by players;
• Full transaction histories covering all deposits, withdrawals, and in-account transfers;
• Internal risk assessments and due diligence notes relating to individual accounts;
• Records of all SARs and related correspondence with authorities;
• Training records for compliance personnel.

All records are stored securely and are accessible only to authorised personnel. Players have the right to request access to data held about them in accordance with our Privacy Policy and applicable data-protection law.

10. Responsible Gambling and AML Interaction

Golden Panda recognises that problem gambling and financial crime can intersect — for example, where a player is using stolen funds to gamble, or where gambling debts create pressure to engage in financial crime. Our responsible gambling controls operate in parallel with our AML procedures. Indicators of problem gambling may also trigger an AML review where they suggest that funds being wagered may not be from a legitimate source consistent with the player's financial profile.

We encourage all players to make use of the responsible gambling tools available on thegoldenpanda.org, including deposit limits, session limits, cooling-off periods, and self-exclusion. Players who require support can also contact independent organisations specialising in gambling-related harm.

11. Staff Training and Internal Controls

Golden Panda maintains an internal AML compliance programme that includes:

• Appointment of a designated Money Laundering Reporting Officer ("MLRO") with responsibility for overseeing compliance with this Policy;
• Regular training for all relevant staff on AML/CTF obligations, red-flag indicators, and reporting procedures;
• Periodic independent review and audit of AML controls to assess their effectiveness and identify areas for improvement;
• Written policies and procedures governing all aspects of customer due diligence, transaction monitoring, and suspicious activity reporting.

12. Sanctions Compliance

Golden Panda will not provide services to any individual or entity that is subject to international financial sanctions, including those listed by the United Nations, the European Union, the Office of Foreign Assets Control (OFAC), or other relevant sanctions authorities. Players are screened against applicable sanctions lists at the point of registration and on an ongoing basis. Where a match is identified, the account will be frozen immediately and the matter referred to the relevant authorities.

13. Amendments to This Policy

Golden Panda reserves the right to amend, update, or replace this Policy at any time in order to reflect changes in applicable law, regulatory guidance, or internal risk assessments. Material changes will be communicated to players via the website. Continued use of thegoldenpanda.org following the publication of any updated Policy constitutes acceptance of the revised terms.

14. Contact and Queries

If you have any questions regarding this AML/KYC Policy, or if you wish to submit verification documents or seek clarification on a compliance matter, please contact our support team:

• Live Chat: available 24 hours a day, 7 days a week via thegoldenpanda.org
• Email: available through the contact details published in the Support section of the site

Our compliance team endeavours to respond to all AML and KYC-related enquiries promptly and in confidence.