Dragi guru kazina,
Hvala vam na odgovoru. Nakon vaše preporuke, ovaj slučaj je ponovo pregledano od strane Odeljenja za usklađenost kazina i višeg menadžmenta.
Nakon pažljivog pregleda kompletne hronologije događaja, prvobitna odluka je potvrđena.
Dana 18. maja, nekoliko dana pre nego što je dao svoju konačnu izjavu, igrač je kontaktirao naš tim za podršku i posebno pitao šta bi se desilo ako izjavi da pati od zavisnosti od kockanja, uključujući i da li će njegov zahtev za povlačenje i dalje biti obrađen.
Da bismo izbegli pretpostavke, naš tim za podršku je direktno pitao igrača da li daje takvu izjavu. Igrač je eksplicitno odgovorio:
"Nisam rekao da sam zavisnik."
Shodno tome, kazino nije imao zakonske ili regulatorne osnove da primeni ograničenja odgovornog kockanja u toj fazi. Mere odgovornog kockanja ne mogu se primenjivati samo na osnovu pretpostavki ili hipotetičkih pitanja.
Dana 25. maja, igrač je dao jasnu i nedvosmislenu izjavu da pati od zavisnosti od kockanja. U tom trenutku, kazino je postao obavezan da odmah primeni svoje procedure za odgovorno kockanje i usklađenost.
Ovaj pristup je u potpunosti u skladu sa objavljenim politikama Kazina. Politika odgovornog kockanja zahteva od Kazina da zaštiti igrače tako što će odmah primeniti mere odgovornog kockanja kada se identifikuje šteta povezana sa kockanjem. Štaviše, Politika o sprečavanju pranja novca i usklađenosti izričito navodi da interakcije sa korisničkom službom čine deo ukupne procene usklađenosti i predviđa:
Bitguruz će blokirati korisnike za koje se utvrdi da su zavisni od kockanja ili imaju problema sa mentalnim zdravljem.
Istog dana, igrač je podneo zahtev za povlačenje sredstava i potom dao eksplicitnu izjavu o odgovornom kockanju. Pre nego što je proces povlačenja mogao biti završen, ograničenje odgovornog kockanja je stupilo na snagu.
Nakon primene ovog ograničenja, sistem je automatski zamrznuo sve finansijske aktivnosti na računu kao deo okvira za odgovorno kockanje i usklađenost kazina.
Kazino nije doneo diskrecionu odluku u vezi sa zahtevom igrača za povlačenje sredstava. Kada je ograničenje odgovornog kockanja stupilo na snagu, nalog je ušao u status zaštićene usklađenosti. Prema procedurama odgovornog kockanja i usklađenosti kazina, ove zaštitne mere se dosledno primenjuju na nalog u celini i ne dozvoljavaju da se procesi pojedinačnih naloga nastave dok je nalog predmet aktivnog ograničenja odgovornog kockanja.
U potpunosti razumemo zabrinutost Kazino Gurua u vezi sa stanjem igrača. Međutim, kada je igrač eksplicitno izjavio zavisnost od kockanja, ovo pitanje je prestalo da bude standardni zahtev za povlačenje sredstava i postalo je pitanje odgovornog kockanja i usklađenosti. U toj fazi, Kazino je bio dužan da dosledno primenjuje svoje zaštitne procedure na ceo račun, umesto da selektivno nastavlja sa pojedinačnim finansijskim operacijama.
Nakon što je pažljivo ponovo razmotrio stvar u svetlu komentara Casino Guru-a, kazino je i dalje zadovoljan što je postupao u skladu sa svojim obavezama odgovornog kockanja, usklađenosti i regulatornim obavezama. Shodno tome, prvobitna odluka ostaje nepromenjena.
Ukoliko Casino Guru zahteva dodatnu dokumentaciju, uključujući kompletne transkripte ćaskanja, vremenske oznake, istoriju povlačenja, interne zapise naloga ili evidenciju usaglašenosti, rado ćemo je dostaviti.
Srdačan pozdrav,
Kazino Bitguruz
Tim za usklađenost
Dear Casino Guru,
Thank you for your response. Following your recommendation, this case has been reviewed once again by the Casino's Compliance Department and Senior Management.
After carefully reviewing the complete chronology of events, the original decision has been upheld.
On May 18, several days before making his final declaration, the player contacted our Support Team and specifically asked what would happen if he declared that he was suffering from gambling addiction, including whether his pending withdrawal request would still be completed.
To avoid making assumptions, our Support Team asked the player directly whether he was making such a declaration. The player explicitly replied:
"I didn't say I have addict."
Accordingly, the Casino had no legal or regulatory grounds to apply Responsible Gambling restrictions at that stage. Responsible Gambling measures cannot be applied based on assumptions or hypothetical questions alone.
On May 25, the player made a clear and unequivocal declaration that he was suffering from gambling addiction. At that moment, the Casino became obligated to immediately apply its Responsible Gambling and Compliance procedures.
This approach is fully consistent with the Casino's published policies. The Responsible Gambling Policy requires the Casino to protect players by immediately applying responsible gaming measures when gambling-related harm is identified. Furthermore, the AML & Compliance Policy expressly states that customer service interactions form part of the overall compliance assessment and provides:
"Bitguruz will block users who are identified as being addicted to gambling or having mental health issues."
On the same day, the player submitted a withdrawal request and subsequently made an explicit Responsible Gambling declaration. Before the withdrawal process could be completed, the Responsible Gambling restriction became effective.
Following the application of this restriction, the system automatically froze all financial activity on the account as part of the Casino's Responsible Gambling and Compliance framework.
The Casino did not make a discretionary decision regarding the player's withdrawal request. Once the Responsible Gambling restriction became effective, the account entered a protected compliance status. Under the Casino's Responsible Gambling and Compliance procedures, these protective measures are applied consistently to the account as a whole and do not allow individual account processes to continue while the account is subject to an active Responsible Gambling restriction.
We fully understand Casino Guru's concern regarding the player's balance. However, once the player made an explicit declaration of gambling addiction, this matter ceased to be a standard withdrawal request and became a Responsible Gambling and Compliance matter. At that stage, the Casino was required to apply its protective procedures consistently to the entire account rather than selectively continue individual financial operations.
Having carefully reconsidered the matter in light of Casino Guru's comments, the Casino remains satisfied that it acted consistently with its Responsible Gambling, Compliance, and regulatory obligations. Accordingly, the original decision remains unchanged.
Should Casino Guru require any additional documentation, including the complete chat transcripts, timestamps, withdrawal history, internal account records, or compliance logs, we will be pleased to provide them.
Kind regards,
Bitguruz Casino
Compliance Team
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