Zdravo Veronika,
Da, moj broj telefona je registrovan na moje ime. Slanje SMS verifikacije, na primer, je standardna praksa. Međutim, traženje dokaza o vlasništvu je potpuno irelevantno za bilo kakve svrhe verifikacije lične karte ili čak za provere protiv pranja novca. U ovom trenutku ne može biti sumnje u moju ličnu kartu, jer je trostruko potvrđena kroz opsežne provere. Želeo bih da razumem relevantnost ovog zahteva, ali oni odbijaju da odgovore.
Kao što sam ranije pomenuo, vlasništvo nad jednom telefonskom linijom ili uslugom više nema nikakve veze sa razumnom verifikacijom. To jednostavno ne pravi nikakvu razliku. Ne postoji ništa u njihovim uslovima što ograničava prihvaćene mogućnosti vlasništva registrovanih telefonskih brojeva igrača. To je ključna stvar. Njihov odgovor korisničke službe je u suštini bio: „Prema našim uslovima, možemo tražiti bilo šta, i ne moramo da objašnjavamo razlog iza bilo kog zahteva.
Da li zaista imaju ovo pravo? Ako je tako, trebalo bi da kategorišemo onlajn kazina u dve grupe: one sa dobrim poslovnim običajima i lažne kazina koja, na primer, nemaju stvarnu nameru da isplaćuju povlačenja igrača.
Na primer, ako odete da kupite piće u vašoj lokalnoj prodavnici i blagajnik kaže: „Izvinite, ali ovu flašu možemo da vam prodamo samo ako mi prvo pokažete da je vaš broj telefona registrovan na vaše ime", verujem da imaju pravo da pitaju zašto traže tako neočekivane lične podatke. Čini mi se nebitnim.
Glavni problem ovde je njihov nedostatak objašnjenja. Razumem, na primer, da bi investiciona banka zahtevala provere protiv pranja novca. Licemerno je da onlajn kazina uzimaju depozite bez ikakvih kontrola dok opsežne provere KIC-a i pranja novca povezuju samo sa isplatama. Ova poslovna praksa je nezdrava, jer otvara vrata potencijalnom prihvatanju „prljavog" novca za njih, a takođe mogu proizvoljno da zakomplikuju proces povlačenja poštenim igračima samo iz svog hira.
Koliko sam razumeo, njihovi uslovi i odredbe bi im čak mogli dozvoliti da zatraže medicinske izveštaje, privatne lozinke, dečije brojeve socijalnog osiguranja i fotografije — u suštini _sve_ što odaberu, i povežu te informacije sa odobrenjima za povlačenje. Ko ovo reguliše i kontroliše? Zato sam ovde.
GoSpin me nikada nije obavestio da se zahtev za isplatu plate i poresku prijavu odnosi na propise protiv pranja novca. Verovao sam da je ovo samo za verifikaciju lične karte.
Cela ova provera lične karte počela je pogrešno zbog njihovog nepoštenja. Imam dokaz o svemu (mogu poslati imejl privatno ako je potrebno):
Primio sam ovu e-poštu 19. avgusta:
„Potrebno nam je da dostavite još jednu stavku koja se kvalifikuje kao dokaz identiteta. Ovo može biti jedno od sledećeg:
- Lična karta
- Pasoš
Takođe, navedite sledeće:
– Fotografija na kojoj pored lica držite prethodno dostavljenu vozačku dozvolu sa jasno vidljivim svim vašim ličnim podacima, zajedno sa listom papira sa sledećim ciframa ispisanim drugom rukom: 5436."
Kasnije sam otkrio da je ovo potpuno obmanjujuće, jer sam već prošao ovu proveru, a moj nalog je označen kao „Verifikovan". Međutim, 2. septembra sam dobio ovu e-poštu:
„Da biste nastavili sa dodatnom procedurom verifikacije, molimo vas da uz svoj dokument (pasoš) snimite kratak video-snimak samoidentifikacije. Pripremite svoj dokument i parče papira sa rukom ispisanim datumom snimanja i nazivom našeg proizvoda."
Dakle, kada počnete da budete nepošteni i radite drugačije nego što kažete, moramo dovesti u pitanje vaš kredibilitet i pouzdanost. Moje sumnje su u ovom trenutku počele da rastu; nije bilo baš profesionalno.
I zapamtite treću e-poštu sa zahtevom koja je usledila:
„Za poslednji korak verifikacije, dostavite nam sledeće:
1. Dokaz o vlasništvu vašeg broja telefona navedenog u vašem profilu
2. Zvanična poreska prijava za 2023. i obračun zarada za period 2024. godine
3. Notarski overen pasoš".
Prvi dodatni zahtev doslovno kaže: „Potrebno nam je da nam obezbedite još jednu stavku..."—piše *jedan*!
Što se tiče sledeće tačke:
Zahtevanje platnog lista za period 2024. takođe je irelevantno. Mnogi ljudi, od veoma bogatih do veoma siromašnih, ne dobijaju platne listiće, a ovaj zahtev ne treba vezivati za mogućnost povlačenja sredstava sa njihove platforme. Mnogi ljudi na primer žive od prodaje imovine, dividendi, neki od subvencija, penzija, bilo čega.
Što se tiče poreske prijave, nisam suštinski protiv slanja konkretnih dokumenata. Međutim, prvo sam od njih tražio objašnjenja. Intuitivno, takođe postavljam pitanje kakav je značaj slanje poreskih prijava.
Ako je ova informacija zaista važna, želeo bih da je čujem ili vidim od regulatornog tela sa dobrim objašnjenjem. GoSpin kazino odbija da komunicira i ističe svoje pravo da bilo šta pita bez davanja objašnjenja.
Hi Veronika,
Yes, my phone number is registered in my name. Sending an SMS verification, for example, is standard practice. However, requesting proof of ownership is completely irrelevant for any ID verification purposes or even for anti-money laundering checks. At this point, there can be no doubt about my ID, as it has been triple-confirmed through extensive checks. I would like to understand the relevance of this request, but they refuse to reply.
As I mentioned before, the ownership of one phone line or service has nothing to do with reasonable verification anymore. It just simply doesn't make any difference. There is nothing in their terms that limits the accepted ownership possibilities of the players' registered phone numbers. That's the key point. Their customer service response was essentially: "By our terms, we can ask for anything, and we don’t need to explain the reason behind any request."
Do they really have this right? If so, we should categorize online casinos into two groups: those with good business practices and rogue casinos that, for example, have no real intention of paying players’ withdrawals.
For instance, if you go to buy a drink at your local store and the cashier says, "Sorry, but we can only sell this bottle to you if you first show me that your phone number is registered in your name," I believe I have the right to question why they are asking for such unexpected personal information. It seems irrelevant to me.
The main issue here is their lack of explanation. I understand, for example, that an investment bank would require anti-money laundering checks. It’s hypocritical that online casinos take deposits without any controls while coupling extensive KYC and money laundering checks only to withdrawals. This business practice is unhealthy, as it opens the door to potentially accepting "dirty" money for them and they can also arbitrarily complicate the withdrawal process for honest players just out of their whim.
As I understand it, their terms and conditions might even allow them to request medical reports, private passwords, children’s Social Security numbers, and photos—essentially _anything_ they choose, and tie that information to withdrawal approvals. Who is regulating and controlling this? That's why I'm here.
GoSpin never informed me that the request for a salary slip and tax return was related to anti-money laundering regulations. I believed this was merely for ID verification.
This entire ID check started off on the wrong foot due to their dishonesty. I have proof of everything (I can send the email privately if needed):
I received this email on August 19:
"We need you to provide one more item that qualifies as Proof of Identity. This could be one of the following:
- Identity Card
- Passport
Also, please provide the following:
- A photo of yourself holding a previously provided driver’s license next to your face with all your personal details clearly visible, along with a sheet of paper with the following digits written by another hand: 5436."
I later discovered that this was outright misleading, as I had already passed this check, and my account was marked as "Verified." However, on September 2, I received this email:
"In order for you to proceed with the additional verification procedure, please record a short self-identification video with your document (passport). Please prepare your document and a piece of paper with the handwritten date of recording and our product's name."
So, once you start being dishonest and do different things than you say, we must question your credibility and trustworthiness. My suspicions began to rise at this point; it was not very professional.
And remember the third request email that followed:
"For the final step of the verification, please provide us with the following:
1. Proof of ownership of your phone number listed in your profile
2. An official 2023 tax return and salary slip for the 2024 period
3. A notarized passport."
The first extra request literally states: "We need you to provide one more item..."—it says *one*!
Regarding the next point:
Requiring a salary slip for the 2024 period is also irrelevant. Many people, from the very wealthy to the very poor, do not receive salary slips, and this request should not be tied to the ability to withdraw funds from their platform. Many people for example get their living from property sales, dividends, some from subsidies, pention, whatever.
As for the tax return, I am not fundamentally against sending specific documents. However, I first requested explanations from them. Intuitively, I also question what relevance sending tax returns has.
If this information is truly important, I would like to hear or see it from the regulatory authority with a good explanation. GoSpin casino refuses to communicate and emphasizes their right to ask anything without providing explanations.
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