Melbet KYC & AML Policy

KYC and AML controls are applied to verify identity, prevent fraud, and combat financial crime through ID verification and transaction monitoring. These controls strengthen account protection and user safety.

• Fair play across all betting and gaming services
• Transparency in how accounts are opened, used, and reviewed
• Security measures that reduce financial crime risks
• Compliance with regulatory requirements in Ghana

Every new account holder must complete ID verification before access to withdrawals and certain features, and re-verification may be requested at any time. Document submission must be clear, valid, and legible to support the identity check.

• Government-issued photo identification (valid and unexpired)
• Proof of residential address (recent and matching the account details)
• Confirmation of ownership of the chosen payment method

The platform operates AML security measures to deter money laundering and illegal activity in line with Ghana’s reporting obligations. Controls are risk-based and proportionate to protect user safety and the integrity of the service.

• Continuous transaction monitoring and review of betting patterns and wallet movements
• Automated detection rules and alerts for suspicious activity based on thresholds and behaviour
• Enhanced due diligence for higher-risk profiles, events, locations, or complex payment flows
• Review of large, unusual, or rapid in-and-out transfers prior to release
• Risk scoring of accounts, payment instruments, and geographies guided by FIC advisories
• Screening against relevant sanctions lists and Politically Exposed Persons (PEP) databases at onboarding and on an ongoing basis
• Filing of Suspicious Transaction/Activity Reports to the Financial Intelligence Centre and cooperation with competent authorities, as required by Act 1044 and Act 762

Certain activities are restricted to uphold KYC and AML standards and to maintain transparency and account protection. Breaches may result in immediate action.

• Opening or maintaining multiple accounts to avoid controls
• Submitting forged, altered, or stolen documents during verification
• Any attempt to disguise, layer, or integrate proceeds of crime
• Manipulating systems, odds, bonuses, or features to gain unfair advantage
• Sharing, selling, or otherwise transferring account access
• Using third-party or anonymous payment instruments for deposits or withdrawals
• Misrepresenting identity or acting on behalf of another person

Violations of this policy, failure to meet verification requirements, or attempts to evade controls trigger enforcement under Ghanaian law and platform rules. Actions are risk-based and may be implemented without prior notice where permitted.

Measures include temporary or permanent account suspension, freezing or confiscation of funds linked to suspicious activity, cancellation of bets or winnings, reporting to competent authorities where applicable.

Each account holder must provide accurate and up-to-date personal data and complete KYC checks within the stated timelines. Responses to requests for additional documents must be prompt, and document submission must follow the specified format and quality standards. Only payment methods owned by the user may be used for deposits and withdrawals. Any suspicious activity on an account should be reported immediately for investigation. Responsible gaming tools should be used where suitability or affordability concerns arise.

The platform upholds fair play and transparency to protect users and maintain a safe environment for betting and gaming. These commitments support account protection, user safety, and confidence in outcomes.

• Compliance with KYC/AML standards and Ghana’s regulatory requirements
• Confidentiality and protection of personal data in line with the Data Protection Act, 2012 (Act 843)
• Ongoing monitoring for suspicious activity and timely reporting obligations
• Prevention of manipulation, collusion, and other unfair behaviour
• User support on safety matters, including responsible gaming and verification guidance
• Shared responsibility between the platform and users to reduce financial crime risks
• Equal conditions for all users regardless of status or location within permitted jurisdictions