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BwinFarms Compliance

AML 政策

Anti-Money Laundering Policy

1. Purposes and Basis | 目的与依据

在当今时代，在线游戏服务正推动着数字游戏市场、数字代币和基于区块链的数字资产交易的蓬勃发展。

In this day, online gaming services are driving the development of digital gaming markets, digital tokens, cryptocurrencies and virtual asset transactions.

然而，随着数字和虚拟资产活动的增加，在线资产欺诈以及洗钱 (AML) 的潜在风险也随之上升。

However, with the increase of digital and virtual assets, the potential risks of electronic fraud and money laundering (AML) also rise.

为了遵守本平台的《服务条款》以及其他相关反洗钱法律法规，BwinFarms 制定了本项政策。

In accordance with the Terms and Conditions of BwinFarms and other relevant anti-money laundering regulations, BwinFarms has developed this policy.

由于本平台在全球范围内拥有广泛客户群体，这种国际化分布可能会触发来自其他国家执法机关的数据查询或调取请求。

By the nature of its business, BwinFarms has clients worldwide. This international presence may trigger queries or information requests from law enforcement authorities.

因此，BwinFarms 将严格遵守塞浦路斯 (Cyprus) 主管管辖区法律制定的各项合规与法律要求。

BwinFarms shall therefore comply with the laws and legal requirements imposed by the authorities in Cyprus.

本政策概述了在预防洗钱、恐怖融资和腐败时必须遵循的流程。

These rules outline the procedures to be followed in order to prevent money laundering, terrorist financing and corruption.

BwinFarms 的目标不仅是满足法律上的合规义务，更是最大限度地降低被犯罪分子利用的风险。

BwinFarms aims not only to fulfill its statutory legal obligations, but also to effectively minimize the risk of exploitation by criminals.

为此，BwinFarms 建立了一套严密的反洗钱审查体系和流程，以确保达到最高的国际标准。

Thus, BwinFarms has set up strict money laundering check systems and procedures in accordance with high international standards.

2. Scope of Application | 适用范围

本政策及规则适用于访问和使用 BwinFarms 的所有访客和用户。

These rules apply to all visitors and users of BwinFarms.

本平台将在全球范围内实施统一的合规标准。

BwinFarms shall implement identical compliance standards globally.

即便部分用户所处的国家、地区或管辖区对在线游戏微交易或虚拟物品交易没有严格的法律限制，本政策的相关规定依然具有约束力。

These rules are binding on users wherever they are located, even where the region or country in which they are located provides lower or different legal standards for online gaming microtransactions or virtual item transactions.

本政策受塞浦路斯法律管辖并依其进行解释。

These rules are governed by and shall be construed in accordance with the laws of Cyprus.

3. Basic Principles against Money Laundering | 反洗钱基本原则

BwinFarms 依据以下基本合规原则开展日常风控与账户管理。

BwinFarms operates according to the following compliance principles.

  • 合法性原则：对所有表现出洗钱迹象或可疑交易风险的用户，BwinFarms 有权将相关信息报告给相应的反洗钱监管部门。
  • The principle of legality: BwinFarms has the right to report information about illicit behavior where users may be suspected of money laundering.
  • 知晓客户原则：在核实并确认用户真实身份的前提下，BwinFarms 将向用户提供安全合规的在线虚拟饰品交易服务。
  • The principle of know your customer: BwinFarms may authenticate users and transactions before supporting interactions with skins and case-opening systems.
  • 可持续性原则：BwinFarms 建立的合规审查流程与动态监管措施将长期、持续地贯彻。
  • The principle of sustainability: BwinFarms maintains ongoing data analysis, system upgrades and dynamic risk management.
  • 保密性原则：在对异常交易实施尽职调查和核查的过程中，所得的所有数据和信息将被严格保密保管。
  • The principle of confidentiality: Data and confidential information obtained during reviews shall be kept confidential unless disclosure is required by law or regulatory authority.
  • 分级风控管理原则：BwinFarms 将根据用户账户的资金吞吐规模和交易频次，将用户划分为高风险、中风险或低风险级别。
  • The principle of risk-based management: Users may be dynamically allocated into high-risk, medium-risk and low-risk profiles according to account activity and financial data.

为了全面贯彻上述原则，BwinFarms 组建了专门负责管理防范洗钱犯罪的团队。

BwinFarms maintains a staffing structure for managing the fight against money laundering based on business needs, internal monitoring and review results.

4. Due Diligence and Identity Verification | 尽职调查与用户身份验证

在建立基础了解和评估潜在合规风险后，BwinFarms 会对所有用户履行用户尽职调查。

Following basic evaluation and risk assessment, BwinFarms performs due diligence obligations and continuous monitoring.

BwinFarms 拥有自主裁量权；对于系统判定为具有高风险特征的账户，平台有权采取更严格的管制措施。

At its discretion, BwinFarms has the right to block, freeze or terminate services where high security or compliance risks are triggered.

在日常业务中，系统将执行常规用户尽职调查 (CDD)，必要或特定高危场景下将触发增强型尽职调查 (EDD)。

Common Due Diligence (CDD) and, where applicable, Enhanced Due Diligence (EDD) may be conducted throughout the user relationship and transaction activity.

用户尽职调查和增强型尽职调查所收集的数据资料类型取决于风控系统的校验逻辑。

The types of information collected during due diligence may depend on processing logic, application updates, location data, fund paths, billing origin and other risk parameters.

在具体实名或安全核查环节中，BwinFarms 可能会要求用户提供并上传证明材料的原件扫描件、照片或经公证的副本文件。

BwinFarms may collect vectors, photos, scanned copies of identification documents or other personal data submitted for verification purposes.

本平台收集到的所有用户隐私数据和个人生物识别信息，均将严格依据当前适用的数据保护法律，包括欧盟《通用数据保护条例》GDPR 进行处理。

All such data is processed in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).

5. User Data Storage System | 用户数据存储系统

BwinFarms 建立并维护着一套符合国际金融及 IT 安全标准的数据存储与追溯系统。

BwinFarms maintains a system for the storage of users' identity information and transaction records.

系统将妥善保存并安全管理所有收集到的用户身份验证材料、历史交易流水日志以及风控审查记录。

The system properly preserves identity files, transaction records, money laundering check records and related information.

系统配备严格的访问权限控制与定期灾难备份机制，以保护数据安全并降低损坏、泄露或未授权访问风险。

The system uses strict access control, review procedures and backup mechanisms to protect documents from damage, disclosure or unauthorized access.

6. Identification of Suspicious Transactions | 异常交易识别

BwinFarms 有权且有义务对以下表现出潜在洗钱风险、欺诈可能性的异常交易或可疑账户实施拦截、挂起与人工审计。

BwinFarms has the right and obligation to verify suspicious transactions and suspicious accounts, including the following situations.

  • 长期闲置或零活跃账户突然重新激活，并在短时间内出现异常大额或频繁余额充值。
  • An account inactive for a long time is suddenly reactivated, or unusual inflow of balance deposits occurs within a short period.
  • 用户账户在短时间内频繁出现大量资金流出与流入，且交易面额或路径表现反常。
  • A large number of transaction requests are executed within a short timeframe, with signs of layering, structuring or abnormal flow patterns.
  • 账户突然存入与其历史消费画像严重不符且没有合理逻辑支撑的超大额度资金。
  • Suspicious excessive requests or large amounts appear in account history without reasonable explanation.
  • 同一账户短时间内在地理位置相距极远、IP 跨度巨大的不同国家或地区出现高频并发登录、消费或充值记录。
  • User location or network indicators shift abnormally within a short interval.
  • 收到合作第三方支付网关的风控警告，或被外部权威风控系统、司法名单或制裁名单标记。
  • Other suspicious warnings or indicators are identified by BwinFarms or external partners.

7. Identification of Terrorist Financing | 恐怖融资识别

为了全面杜绝全球范围内的恐怖主义渗透与资助行为，系统可能会将注册用户信息与国际权威机构发布的全球恐怖分子及制裁组织名单进行比对。

BwinFarms compliance monitoring may compare user data with authoritative lists of persons, organizations or records connected with terrorism financing or sanctions.

一旦系统发现潜在风险，平台将立即采取适当响应，包括但不限于账户冻结、限制交易和依法上报，无论用户在平台上使用的资金规模大小。

If potential risk is detected, BwinFarms may take appropriate action, regardless of the volume of funds processed.

8. Cautions to the Users | 用户核心禁令与合规义务

为了确保账户财产安全并符合本平台反洗钱合规框架，所有用户在使用 BwinFarms 期间需遵守以下禁令与义务。

Users are reminded of the following restrictions and obligations.

  • 用户严禁将自己在本平台的登录账号明细、密码借予或转让给任何第三方个人或实体使用。
  • Users are forbidden from lending or transferring account details to any other person or entity.
  • 用户严禁将已经通过 KYC 验证的身份证件出租、出借或售卖给他人。
  • Users are forbidden from renting out, lending or selling identity certificates.
  • 用户严禁公开、披露或泄露两步验证密钥、账户支付密码等直接关系到账户资产安全的敏感信息。
  • Users are forbidden from disclosing sensitive account or payment information, including passwords and two-factor authentication credentials.
  • 在平台风控系统要求进行二次审查时，用户有义务配合 BwinFarms 团队提供其所要求的最新、真实身份信息。
  • Users shall actively cooperate with BwinFarms in user identification and verification procedures.

9. Confidentiality in Anti-money Laundering | 反洗钱工作中的保密纪律

BwinFarms 内部所有雇员在履行反洗钱合规职责和对异常交易进行人工审计时，均受内部保密协议约束。

Any staff member of BwinFarms shall maintain secrecy of information relating to money laundering matters obtained during assignments.

他们必须秉持专业与谨慎的态度，在合规要求框架内开展工作。

Staff members shall perform tasks carefully and within compliance requirements.

任何内部人员在日常工作中，严禁向外界透露账户正在接受反洗钱调查、风控系统底层识别指标、可疑交易状态、恐怖融资审查事项或相关报告。

Staff members must keep confidential user security information, suspicious transactions, terrorist financing review items, status and reports.

只有在收到法定合规途径或司法处理机关调取请求时，BwinFarms 相关职员才能提供该项数据信息。

Only upon valid legal or regulatory request may relevant BwinFarms staff provide such data or information.