KYC / AML Compliance Policy

Know Your Customer (KYC) & Anti-Money Laundering (AML) Requirements

Dharma Fortunes operates in full compliance with applicable federal and state Know Your Customer (KYC) and Anti-Money Laundering (AML) laws and regulations, including but not limited to the Bank Secrecy Act (BSA), the USA PATRIOT Act, and applicable FinCEN guidance. By using our Services, you agree to comply with all KYC/AML requirements described in this policy.

Identity Verification

To access certain Services — including purchasing credits, redeeming winnings, or participating in sweepstakes promotions — you may be required to verify your identity. Verification may include:

• ✦Government-issued photo ID (driver's license, state ID, or passport)
• ✦Proof of address (utility bill, bank statement, or official government correspondence dated within 90 days)
• ✦Date of birth confirmation — you must be 18 years of age or older
• ✦Social Security Number (SSN) or Tax Identification Number (TIN) for redemptions meeting applicable IRS reporting thresholds
• ✦Selfie or live photo verification as required by our compliance team

We reserve the right to request additional documentation at any time. Failure to provide requested documentation may result in suspension or termination of your account and forfeiture of pending transactions.

Prohibited Activities

You agree that you will NOT use our Services to:

• ✦Launder money or disguise the proceeds of any illegal activity
• ✦Conduct transactions on behalf of any third party without prior written authorization from Dharma Fortunes
• ✦Circumvent, avoid, or attempt to avoid any KYC/AML verification process
• ✦Provide false, inaccurate, or misleading information during identity verification
• ✦Structure transactions in a manner designed to evade reporting requirements
• ✦Use the Services in connection with any activity that violates applicable federal, state, or local law

Transaction Monitoring

Dharma Fortunes monitors transactions for suspicious activity. We reserve the right to:

• ✦Delay, freeze, or reverse any transaction pending investigation
• ✦File Suspicious Activity Reports (SARs) with FinCEN as required by law
• ✦Report transactions to law enforcement or regulatory authorities as required
• ✦Terminate accounts found to be engaged in suspicious or prohibited activity

Politically Exposed Persons (PEPs) and Sanctions

We do not knowingly provide Services to individuals or entities that are:

• ✦Listed on the U.S. Treasury Department's Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list
• ✦Subject to U.S. economic or trade sanctions
• ✦Classified as Politically Exposed Persons (PEPs) without enhanced due diligence review

By using our Services, you represent and warrant that you are not subject to any such restrictions.

Redemption and Payout Compliance

All redemptions are subject to identity verification prior to processing. Redemptions of $600 or more in a calendar year may be subject to IRS Form 1099 reporting. Redemptions of $5,000 or more may require enhanced verification and additional documentation. You are solely responsible for reporting any winnings or redemptions to applicable tax authorities.

Data Retention

We retain KYC/AML documentation and transaction records for a minimum of five (5) years from the date of the transaction or account closure, whichever is later, as required by applicable law.

Contact for Compliance Matters

For questions regarding our KYC/AML policy or to submit required documentation, contact our compliance team:

Email: [email protected]

Subject line: KYC/AML Compliance Inquiry

Governing Law

This KYC/AML Compliance Policy is governed by the laws of the State of Colorado and is incorporated by reference into the Dharma Fortunes Terms of Use. In the event of any conflict between this Policy and the Terms of Use, this Policy shall control with respect to KYC/AML matters.