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Anti-Money Laundering (AML) & Counter‑Terrorist Financing (CTF) Policy

Last updated: 2026

This Anti‑Money Laundering (AML) and Counter‑Terrorist Financing (CTF) Policy (the “Policy”) explains how Tooniebet Casino (“Tooniebet”, “we”, “us”, “our”) prevents, detects, and reports money laundering, terrorist financing, and related financial crime.

Tooniebet Casino operates in Canada and provides services to players located in Ontario only. This Policy forms part of our compliance framework and should be read together with our Terms & Conditions and Privacy Policy available on toonie-bet.ca / https://tooniebet.com/ca/.

1) Scope and objectives

The objectives of this Policy are to:

  • identify and verify customers (Know Your Customer / “KYC”);
  • understand the source of funds where required;
  • monitor transactions and player activity for suspicious behaviour;
  • report and respond appropriately to suspected money laundering or terrorist financing;
  • maintain records and evidence of compliance.

2) Regulatory context

Tooniebet Casino is operated by Canadix Limited and holds licences/authorizations with the Alcohol and Gaming Commission of Ontario (AGCO) and the Tobique Gaming Commission (as applicable to our operations). We follow applicable AML/CTF requirements, regulatory standards, and internal controls designed to support a safe and compliant gaming environment.

3) Key definitions

  • Money laundering: actions intended to conceal the origin of proceeds derived from crime.
  • Terrorist financing: providing or collecting funds intended to be used to carry out terrorist acts.
  • KYC: processes used to identify a customer and verify their identity.
  • EDD (Enhanced Due Diligence): additional checks applied when risk is higher.

4) Our risk‑based approach

We apply a risk‑based approach to AML/CTF. This means the type and level of checks we conduct may vary depending on factors such as:

  • verification results and completeness of information;
  • deposit/withdrawal behaviour and transaction patterns;
  • payment method used (e.g., Interac, Visa, MasterCard, Paysafecard, Skrill, Skrill 1‑Tap, MuchBetter);
  • multiple accounts, shared devices, or unusual IP/location indicators;
  • potential links to high‑risk jurisdictions, sanctions, or adverse media (where applicable).

5) Customer eligibility and Ontario-only service

Tooniebet Casino is intended for players in Ontario. We may use technical and documentary controls to validate eligibility and may refuse service where we cannot confirm that a player is located in Ontario or otherwise meets our eligibility requirements.

6) Customer Due Diligence (KYC) and verification

We may request identity verification at registration, before permitting withdrawals, and/or at any time during the customer relationship. You agree to provide accurate, complete information and to keep it up to date.

Depending on the circumstances, we may ask for:

  • Identity document (e.g., government‑issued photo ID);
  • Proof of address (e.g., recent utility bill, bank statement, or other acceptable document);
  • Proof of payment method ownership (e.g., screenshot or document showing the name and partial details, where appropriate);
  • Source of funds / source of wealth information when required (e.g., payslip, bank statement excerpts, or other supporting evidence).

We may use third‑party verification tools and databases to validate information, check document authenticity, and confirm identity.

7) Enhanced Due Diligence (EDD)

We may apply EDD in higher‑risk situations, including (without limitation):

  • unusual or inconsistent transaction activity (e.g., rapid deposits and withdrawals with limited gameplay);
  • multiple payment instruments or frequent changes in payment methods;
  • attempts to bypass verification or provide misleading information;
  • potential sanctions exposure, adverse media, or other risk indicators.

EDD may involve requesting additional documents, clarifications, or conducting deeper review before allowing continued play or processing withdrawals.

8) Ongoing monitoring and suspicious activity detection

We monitor player activity and transactions to identify potentially suspicious behaviour, which may include:

  • structuring transactions to avoid thresholds or controls;
  • depositing and withdrawing in a manner inconsistent with typical gameplay (“chip dumping”, minimal wagering, rapid cash‑out patterns);
  • use of third‑party payment methods or mismatched identity details;
  • multiple accounts, collusion, or account sharing;
  • requests for withdrawals to a different payment method than used for deposits (subject to our controls);
  • any activity suggesting fraud, chargeback abuse, or proceeds of crime.

If we detect unusual activity, we may request information, impose temporary restrictions, or escalate the matter for compliance review.

9) Prohibited activities

The following are strictly prohibited at Tooniebet Casino:

  • using the Casino to launder money or finance terrorism;
  • using funds derived from illegal activity;
  • using a payment method that you do not own or control;
  • opening or operating multiple accounts to conceal activity;
  • providing false, misleading, or incomplete KYC information;
  • transferring, selling, or trading accounts or balances.

10) Deposits, withdrawals, and payment controls

We offer payment methods such as Interac, Visa, MasterCard, Paysafecard, Skrill, Skrill 1‑Tap, and MuchBetter (availability may vary). To support AML/CTF controls, we may:

  • require withdrawals to be made to the same payment method used for deposits where feasible and permitted;
  • request proof of ownership of a payment instrument;
  • decline or reverse transactions where fraud or AML risk is suspected;
  • apply withdrawal limits in line with our operational rules (currently displayed in your account and/or cashier section).

Published withdrawal limits (may be subject to change): CAD 9,000 per day, CAD 10,000 per week, and CAD 40,000 per month.

11) Holds, delays, and account restrictions

We may delay, suspend, or refuse deposits or withdrawals, and/or restrict account activity, if:

  • verification has not been completed to our satisfaction;
  • documents are missing, expired, or appear altered;
  • we suspect money laundering, terrorist financing, fraud, or other prohibited activity;
  • we are required to do so by law, regulation, or a competent authority.

Pending times for withdrawals may vary (commonly within 0–5 days depending on checks and payment method).

12) Reporting and cooperation with authorities

Where required or appropriate, we may report suspicious activity to relevant authorities and cooperate with lawful requests. We may be legally restricted from informing you that a report has been made or that an investigation may be underway.

13) Record‑keeping

We keep records of customer identification information, verification materials, and transaction history for the period required by applicable laws and regulatory requirements. Records are maintained securely and accessed only by authorized personnel and service providers acting on our instructions.

14) Data protection and privacy

Personal data collected for AML/CTF purposes is processed in accordance with our Privacy Policy and applicable privacy laws. We may share information with verification providers, payment partners, regulators, and law enforcement where permitted or required.

15) Staff training and internal controls

We maintain internal procedures, controls, and training designed to ensure employees and relevant contractors understand AML/CTF obligations, recognize red flags, and escalate concerns appropriately.

16) Responsible Gaming and financial controls

While AML/CTF is distinct from responsible gaming, both aim to protect players and the integrity of the platform. Tooniebet offers responsible gaming tools such as deposit limits, loss limits, reality checks, time/session limits, cool‑off/time‑out, self‑assessment, and self‑exclusion. Using these tools may also support healthy and transparent financial play.

17) Policy updates

We may update this Policy from time to time to reflect changes in law, regulation, or internal processes. The “Last updated” date will be revised accordingly. Continued use of the Casino after updates indicates acceptance of the revised Policy.

18) Contact us

If you have questions about this AML/CTF Policy or your verification status, please contact our support team via 24/7 live chat available on the website.

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