Golden Panda (goldpandacasino.org) is committed to preventing money laundering, terrorist financing, and all forms of financial crime. This Anti-Money Laundering and Know Your Customer Policy ("Policy") sets out the obligations of Golden Panda and its players, the procedures we follow to verify identity and monitor transactions, and the standards we uphold to ensure our platform is used for legitimate entertainment only. All players are required to read, understand, and comply with this Policy as a condition of using goldpandacasino.org.

1. Legal Basis and Regulatory Framework

Golden Panda operates under licences issued by the Anjouan Licensing Services and Infrastructure Authority (ALSI Licence No. 202412012, FI1) and Curaçao eGaming. Both licensing jurisdictions impose obligations on operators to maintain robust Anti-Money Laundering ("AML") and Know Your Customer ("KYC") controls consistent with internationally recognised standards, including the Financial Action Task Force (FATF) Recommendations.

This Policy is maintained and reviewed regularly to reflect any changes in applicable law, regulatory guidance, or internal risk assessments. Compliance with this Policy is mandatory for all staff, agents, contractors, and players interacting with goldpandacasino.org.

2. Definitions

• AML (Anti-Money Laundering): A set of laws, regulations, and procedures intended to prevent criminals from disguising illegally obtained funds as legitimate income.
• KYC (Know Your Customer): The process by which Golden Panda verifies the identity of its players and assesses the risk they may pose.
• Money Laundering: The process of making proceeds of crime appear legitimate, typically by placing illicit funds into the financial system, layering transactions to obscure their origin, and integrating the cleaned funds back into the economy.
• Terrorist Financing: The provision or collection of funds with the intention that they be used to carry out terrorist acts or to support terrorist organisations.
• PEP (Politically Exposed Person): An individual who holds or has held a prominent public function, including heads of state, senior politicians, judicial officials, and their close family members and associates.
• Suspicious Activity: Any transaction, behaviour, or pattern that is inconsistent with a player's known profile, stated source of funds, or that otherwise raises concern about the legitimacy of funds or the purpose of activity.
• Source of Funds (SoF): The origin of the specific funds used in a transaction or deposited on the platform.
• Source of Wealth (SoW): The origin of a player's entire asset base and accumulated wealth.

3. Our Commitment

Golden Panda adopts a zero-tolerance stance towards money laundering, terrorist financing, and any other financial crime. We are committed to:

• Verifying the identity of all players before processing withdrawals and, where required, before accepting deposits;
• Monitoring player accounts and transactions on an ongoing basis to detect unusual or suspicious activity;
• Reporting suspicious activity to the relevant authorities in accordance with applicable law;
• Ensuring that winnings, bonuses, and withdrawals are never used as vehicles for laundering funds;
• Training all relevant staff to recognise and respond to AML and KYC risks;
• Maintaining accurate records of all verification documents and transaction data for the periods required by our licensing authorities.

4. Know Your Customer (KYC) Procedures

4.1 When KYC Is Required

Identity verification is a mandatory requirement for all players registered at goldpandacasino.org. KYC checks must be successfully completed before Golden Panda will process any withdrawal request. Players are strongly encouraged to submit their documents as early as possible after registration to avoid delays when they wish to withdraw funds. In certain circumstances — including where deposits reach defined thresholds, where bonus abuse is suspected, or where a player's activity triggers a risk flag — Golden Panda reserves the right to request KYC documentation at any point during the player's lifecycle, including before a withdrawal has been requested.

4.2 Standard KYC Documents

Golden Panda applies a tiered verification approach. At the standard level, players will typically be required to provide the following:

• Proof of Identity (one of the following): Valid passport, national identity card, or government-issued driving licence — showing full legal name, date of birth, photograph, and document expiry date.
• Proof of Address (one of the following, dated within the past three months): Utility bill (gas, electricity, water), bank statement, official government correspondence, or council tax notice — showing the player's full name and residential address.
• Proof of Payment Option: Depending on the deposit method used, players may be required to submit a photograph of both sides of a payment card (with the middle eight digits of the card number obscured for security), a screenshot or statement showing ownership of an e-wallet account, or confirmation of a cryptocurrency wallet address.

4.3 Enhanced Due Diligence

Where a player's risk profile warrants it — for example, where deposits or wagers are high, where a player is identified as a PEP, or where any aspect of a player's behaviour raises concern — Golden Panda will conduct Enhanced Due Diligence (EDD). EDD may require the player to provide:

• Proof of Source of Funds (e.g., recent bank statements, payslips, dividend statements, or accountant's letter);
• Proof of Source of Wealth (e.g., employment contract, business ownership documents, investment portfolio statements, or evidence of an inheritance);
• Additional identification documents, where the documents already provided are insufficient to satisfy our compliance team;
• A written explanation of the nature and purpose of their gaming activity.

Golden Panda reserves the right to suspend withdrawal processing, restrict deposits, or temporarily suspend an account pending satisfactory completion of EDD. Accounts where EDD requirements are not met within a reasonable timeframe may be closed, with any remaining balance returned to the originating payment method following confirmation of the account holder's identity.

4.4 Politically Exposed Persons (PEPs) and Sanctions Screening

All players are screened at registration and on an ongoing basis against PEP lists and international sanctions databases, including those maintained by the United Nations, the European Union, and other relevant regulatory bodies. Where a player is identified as a PEP or as a close associate of a PEP, Golden Panda will apply enhanced scrutiny to that player's account and may request additional documentation. Players who appear on any applicable sanctions list will not be permitted to register or continue using goldpandacasino.org, and any funds held in such accounts will be dealt with in accordance with applicable law and regulatory guidance.

4.5 Document Standards and Submission

All documents submitted for KYC purposes must be:

• Clear, legible, and unobstructed — blurred, cropped, or partially obscured documents will not be accepted;
• Valid and unexpired at the time of submission;
• Submitted in colour where possible;
• Genuine originals — Golden Panda will not accept edited, digitally altered, or otherwise tampered documents.

Documents may be submitted via the account verification portal on goldpandacasino.org or by emailing the compliance team as directed during the verification process. Golden Panda will endeavour to process submitted documents promptly, though verification timelines may vary depending on document quality and volume.

5. Anti-Money Laundering Controls

5.1 Risk-Based Approach

Golden Panda applies a risk-based approach to AML compliance. This means that the level of scrutiny applied to any individual player, transaction, or account is proportionate to the assessed risk of money laundering or terrorist financing that player or transaction presents. Players are assigned a risk rating at registration — which may be revised at any point — based on factors including their jurisdiction of residence, payment methods used, deposit and withdrawal volumes, and overall gaming behaviour.

5.2 Transaction Monitoring

All transactions processed through goldpandacasino.org are subject to ongoing automated monitoring. Our systems are designed to flag the following patterns and behaviours for manual review:

• Large deposits or withdrawals that are inconsistent with a player's established profile;
• A significant number of deposits made in rapid succession, particularly where the funds are withdrawn shortly after with minimal gameplay;
• Multiple accounts being used by the same individual, or accounts sharing payment details, IP addresses, or device fingerprints;
• Deposits and withdrawals made to and from different payment methods without a clear and justified rationale;
• Requests to withdraw funds to a method not used for deposit, particularly where the original deposit method is abandoned;
• Player activity that appears structured to avoid triggering reporting thresholds;
• Unusual cryptocurrency transaction patterns, including the use of mixing services or privacy coins;
• Any other behaviour that, in the judgement of our compliance team, is inconsistent with legitimate recreational gambling.

5.3 Payment Option Controls

Golden Panda accepts deposits and processes withdrawals via a range of payment methods, including Visa, Mastercard, Skrill, Neteller, PayPal, MiFinity, Paysafecard, Neosurf, Trustly, GiroPay, EPS, Apple Pay, Google Pay, and a variety of cryptocurrencies including Bitcoin, Ethereum (ETH), Litecoin (LTC), Tether (USDT), XRP, BNB, TRX, and USD Coin (USDC), as well as bank transfer.

The following controls apply to all payment activity:

• Players may only withdraw funds to a payment method in their own name. Third-party withdrawals are strictly prohibited;
• The payment method used for withdrawal must, wherever technically possible, match or correspond to the method used for deposit;
• Players may not deposit using one method and request withdrawal to an entirely different and unrelated method without providing satisfactory explanation and completing any additional verification required;
• Cryptocurrency deposits and withdrawals are subject to blockchain analysis checks. Funds identified as originating from high-risk or illicit sources will not be accepted;
• Golden Panda does not accept cash deposits or payments via unregulated informal value transfer systems.

5.4 Deposit and Withdrawal Limits as an AML Control

Defined transaction limits form part of Golden Panda's AML framework. The minimum deposit is €10 (€20 for bank transfers) and the minimum withdrawal is €20. The maximum deposit per transaction is €2,500 across all payment methods. Monthly withdrawal limits are set at €20,000, subject to adjustment for players who have achieved verified VIP status. These limits help Golden Panda to monitor transaction volumes and identify outliers that may warrant further review.

5.5 Bonus Integrity and AML

Golden Panda's bonus and promotional offers — including the welcome package, weekly reload bonuses, cashback promotions, and free spins offers — are intended solely for legitimate recreational players. The use of bonuses as a mechanism for laundering funds is strictly prohibited. Golden Panda reserves the right to void bonuses, confiscate associated winnings, and close accounts where bonus activity is identified as forming part of a money laundering scheme or where it is otherwise undertaken in bad faith.

6. Suspicious Activity Reporting

Where our compliance team identifies or reasonably suspects that a player's funds, transactions, or behaviour are connected to money laundering, terrorist financing, or any other financial crime, Golden Panda is obliged to file a Suspicious Activity Report (SAR) with the appropriate authorities as required under applicable law and the conditions of our licences.

In such circumstances, Golden Panda is legally prohibited from disclosing to the player that a SAR has been filed or that their account is under investigation ("tipping off"). Accounts under investigation may be restricted, suspended, or frozen without prior notice or explanation being given to the account holder. Funds held in suspended accounts will be handled in accordance with the directions of the relevant authorities.

7. Record Keeping

Golden Panda maintains comprehensive records of all KYC documentation, transaction histories, risk assessments, EDD records, and internal compliance reports. Records are retained for a minimum period of five years from the date of account closure or the date of the relevant transaction, whichever is later, or for such longer period as may be required by our licensing authorities. All records are stored securely in accordance with applicable data protection legislation. Golden Panda's use of 256-bit SSL encryption applies to all data transmitted through goldpandacasino.org, and data at rest is protected by equivalent security standards.

8. Staff Training and Internal Controls

All members of Golden Panda's compliance and customer-facing teams receive regular training on AML and KYC obligations, the identification of suspicious activity, and the correct escalation procedures. A designated Money Laundering Reporting Officer (MLRO) is responsible for overseeing this Policy, reviewing flagged accounts and transactions, filing SARs where required, and maintaining the integrity of our compliance programme. This Policy is reviewed at least annually, or more frequently where there are material changes in regulatory requirements or the risk environment.

9. Player Obligations

By registering and playing at goldpandacasino.org, players agree to the following obligations:

• To provide accurate, truthful, and up-to-date information at registration and throughout their time as a player;
• To submit KYC documents promptly when requested and to ensure all documents are genuine and unaltered;
• To use only payment methods registered in their own name;
• Not to deposit, wager, or withdraw funds that are derived from criminal activity or that are intended to be used to support criminal activity;
• Not to use Golden Panda's platform for any purpose other than legitimate recreational gambling;
• To notify Golden Panda promptly if any of their personal or payment details change.

Failure to comply with these obligations may result in immediate account suspension or closure, withholding of funds pending investigation, and reporting of the player's activity to the relevant authorities.

10. Consequences of Non-Compliance

Golden Panda takes a firm and consistent approach to AML and KYC non-compliance. Where a player fails to complete required verification, provides false or misleading information, or is found to be engaged in suspicious or fraudulent activity, Golden Panda reserves the right to take any or all of the following actions:

• Suspend or permanently close the player's account;
• Void any pending or settled bonus winnings;
• Freeze funds pending the outcome of an investigation;
• Return deposits to the originating payment method where this can be confirmed to belong to the player;
• Report the player's details and activity to the relevant regulatory and law enforcement authorities;
• Cooperate fully with any external investigation, including providing transaction records and identification data as required by law.

11. Responsible Gambling and AML

Golden Panda recognises that problem gambling and financial crime can sometimes intersect. Players who deposit or wager amounts significantly beyond their apparent financial means may be flagged not only under our Responsible Gambling framework but also under this AML Policy, where the source of funds cannot be satisfactorily explained. Golden Panda's compliance and player-protection teams work in coordination to ensure that both the welfare of players and the integrity of the platform are protected. Players who are experiencing difficulties with their gambling are encouraged to use the responsible gambling tools available on goldpandacasino.org, including deposit limits, session limits, and self-exclusion options.

12. Contact and Queries

If you have any questions about this AML / KYC Policy, or if you wish to understand the status of your account verification, please contact the Golden Panda compliance team. Details are available via the support section of goldpandacasino.org. Our support team is available 24 hours a day, seven days a week via live chat and email.

This Policy was last reviewed and updated in 2025. Golden Panda reserves the right to amend this Policy at any time. Material changes will be communicated to players via the website. Continued use of goldpandacasino.org following any such amendment constitutes acceptance of the revised Policy.