KYC Policy

✅ Know Your Customer (KYC) Policy

Effective Date: 01-11-2025
Applies to: All users of Joy Hobe (JoyHobe.com)
Company: JH777 HOLDINGS LIMITED
Website: https://www.joyhobe.com

1. Purpose of This Policy

At Joy Hobe (JoyHobe.com), the safety, integrity, and transparency of our platform are top priorities. This Know Your Customer (KYC) Policy is designed to:

Prevent identity theft and fraudulent activity
Comply with local and international AML/CTF laws
Ensure age and jurisdictional restrictions are respected
Protect customers and the company from financial crime risks
Maintain a secure and regulated gambling environment

We are committed to safeguarding our platform against misuse by criminal or unauthorized parties and to ensuring responsible gaming.

2. Regulatory Compliance

Joy Hobe is committed to complying with the following regulations and guidelines:

Anti-Money Laundering (AML) Directives of the EU
General Data Protection Regulation (GDPR)
Financial Action Task Force (FATF) recommendations
Licensing authority requirements based on our operational jurisdiction
Local gambling and privacy laws where our services are offered

3. Who Must Undergo KYC?

KYC verification is mandatory for:

Any user registering for an account on JoyHobe.com
Any user requesting a withdrawal of funds
Any user depositing beyond our KYC threshold limits
Users flagged for suspicious activity
Users attempting to change sensitive account information
All users, periodically, for ongoing due diligence

4. Types of Information Collected

As part of the KYC process, we may collect and verify the following:

4.1 Personal Identification

Government-issued photo ID (Passport, National ID card, Driver’s License)
ID must be valid, not expired, and clearly legible

4.2 Address Verification

Utility bill, bank statement, lease agreement, or official government document
Must show name, full address, and date, not older than 3 months

4.3 Payment Method Verification

Copy/screenshot of the card, e-wallet, or bank account used
Card screenshots must show only last 4 digits, with sensitive info hidden
Proof of ownership (bank statement or cardholder name verification)

4.4 Source of Funds/Wealth (if required)

Payslips, business income reports, employment letter, or tax return
Only applicable to high-risk or high-volume customers (based on thresholds)

4.5 Selfie or Video Verification

A selfie holding your ID
Or a short live verification video
Used for biometric and facial verification (AI/Manual)

5. When KYC Is Triggered

We require KYC:

During account registration (basic identity checks)
Before first withdrawal
If cumulative deposits reach or exceed our internal thresholds
When there's a change in personal details
If fraud, multiple accounts, or suspicious behavior is detected
During periodic compliance reviews

6. KYC Process and Timeframe

Step-by-Step Process:

You are notified via email or system message that KYC is required
You submit required documents via our secure upload portal
Our compliance team verifies your documents within 24–72 hours
You are notified of:

Approval
Need for additional documents
Rejection with reason and appeal process

Processing Time:

Standard: 24–72 hours
Extended (complex/high-risk cases): Up to 7 business days

7. Refusal to Provide Documents

If a user fails to provide KYC documentation:

Account functions may be limited (no withdrawals, no gameplay, no bonuses)
Account may be suspended or closed
Funds may be held until compliance is achieved
In some cases, funds may be forfeited or reported to authorities

8. Document Validity and Storage

We store all KYC documents securely and in encrypted format
Access is restricted to authorized compliance personnel only
Data is retained only as long as required by law (typically 5–10 years)
Users may request data deletion in accordance with our Privacy Policy

We never sell or misuse your data. Refer to our [Privacy Policy] for full details.

9. Politically Exposed Persons (PEPs) and Sanctions Screening

We perform enhanced due diligence on:

Politically Exposed Persons (PEPs)
Users from high-risk or sanctioned jurisdictions
Users flagged by AML screening tools or regulators

These users may be required to submit additional documentation and undergo more rigorous checks.

10. Fraud Detection and Account Monitoring

Our platform uses:

AI-powered behavior tracking
AML flagging systems
IP/geolocation tracking
Device fingerprinting
Blacklists and whitelists

Suspicious activity may result in temporary freezing of funds, account restrictions, or mandatory KYC.

11. Ongoing Due Diligence (ODD)

We perform periodic reviews of user accounts, especially:

High-volume players
VIP accounts
Accounts dormant for long periods
Users triggering high-risk flags

These checks ensure ongoing compliance and up-to-date information.

12. User Rights

Under applicable laws, you have rights to:

Access your personal data
Request correction or deletion of incorrect or outdated data
Lodge a complaint regarding data handling
Withdraw consent, where applicable

Contact: kyc@joyhobe.com for inquiries or requests.

13. Legal Consequences of Non-Compliance

Non-cooperation or submission of forged/fraudulent documents may lead to:

Immediate account closure
Funds seizure or blocking
Notification to financial and gambling regulatory authorities
Legal action depending on the severity of the offense

14. Contact and Support

For assistance or KYC document submission:

📧 Email: kyc@joyhobe.com
🌐 Website: https://www.joyhobe.com
🏢 Address: The Registered Address of JH777 HOLDINGS LIMITED.

15. Updates to This Policy

We may update this KYC Policy periodically to comply with evolving legal, regulatory, or technical requirements. Users will be notified of significant changes via the website or email.