1. Purpose and Scope
This policy sets out identity verification requirements applicable to accounts and transactions at Red Deer Resort & Casino. The policy is established in accordance with Canadian federal legislation, specifically the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its associated regulations, as administered by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). All persons who open an account, conduct qualifying transactions, or receive disbursements through Red Deer Resort & Casino are subject to the procedures described in this policy.
Compliance with this policy is mandatory. Identity verification requirements are not waived in any circumstances where verification is required by applicable law or internal risk controls.
2. Legal Basis
Red Deer Resort & Casino operates under the regulatory framework governing casinos in Canada. The following legislative instruments and regulatory bodies define the identity verification obligations described in this policy:
- Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) - federal legislation establishing anti-money laundering and counter-terrorist financing obligations for casino operators.
- FINTRAC - the federal financial intelligence unit responsible for issuing guidance on when and how casinos must verify the identity of persons and entities.
- Provincial gaming regulators - applicable provincial authorities, including those governing online gambling in Ontario, which impose additional age verification and account-level identity requirements.
3. When Identity Verification Is Required
Red Deer Resort & Casino is required to verify the identity of persons and entities in the following circumstances.
3.1 Account Opening
The identity of every person for whom an account is opened is verified before any funds are disbursed from that account. For corporations and other legal entities, verification is completed before the first transaction other than an initial deposit is carried out. The identity of every person who is authorized to give instructions on an account is also verified before any funds are disbursed.
3.2 Large Cash Transactions
The identity of every person or entity from whom CAD 10,000 or more in cash is received in a single transaction is verified at the time the transaction takes place.
3.3 Virtual Currency Transactions
The identity of every person or entity from whom virtual currency equivalent to CAD 10,000 or more is received in a single transaction is verified.
3.4 Casino Disbursements
The identity of every person who receives a casino disbursement of CAD 10,000 or more for which a Casino Disbursement Report is required under PCMLTFA regulations is verified.
3.5 Exemptions
Identity verification is not required where CAD 3,000 or more in funds is received from a financial entity or public body, or from a person acting on behalf of such an entity, subject to the conditions specified in the applicable regulations. This exemption does not apply to account-opening obligations or disbursement obligations described in sections 3.1 and 3.4.
4. Required Documentation
When identity verification is triggered, Red Deer Resort & Casino requests documentation sufficient to confirm the identity of the person or entity. Acceptable documents include the following categories:
- Government-issued photo identification: a valid passport, driver’s licence, or national identity card.
- Proof of address: a recent utility bill, bank statement, or official correspondence issued within the preceding six months, showing the account holder’s full name and residential address.
- Payment method verification: where applicable, confirmation of the payment instrument used for deposits, with sensitive details appropriately redacted.
- Additional documentation: depending on the nature of the transaction, the account history, or the risk profile of the account, supplementary documentation may be requested. This may include bank statements, tax correspondence, or other records sufficient to confirm identity and the source of funds.
All documents must be current, legible, and submitted in full colour where applicable. Documents that are expired, partially obscured, or otherwise unreadable are not accepted and must be resubmitted.
5. Verification Process and Timeline
Upon receipt of required documentation, Red Deer Resort & Casino completes the verification review within a reasonable period. Standard processing time is between 24 and 72 hours from the point at which all required documents have been received in acceptable form. Complex cases or cases requiring additional screening may take longer.
During the verification period, access to certain account functions, including the disbursement of funds, may be suspended until verification is complete. The account holder is notified of the outcome of the verification review or of any requirement to provide additional information.
Automated document checks and, where applicable, biometric liveness verification may be used as part of the verification process. These tools are used to confirm that the person submitting documents is the same individual named in those documents and to prevent identity fraud and impersonation.
6. Screening Obligations
As part of the identity verification process, Red Deer Resort & Casino conducts screening against applicable sanctions lists, Politically Exposed Persons (PEP) databases, and fraud and anti-money laundering watchlists. Where a match or potential match is identified, the account may be subject to enhanced due diligence, temporary restriction, or closure, depending on the outcome of the review.
7. Age Verification
Red Deer Resort & Casino enforces the minimum legal gambling age applicable in the relevant Canadian province. In Ontario, the minimum age is 19 years. In other provinces, the minimum age is either 18 or 19 years, as prescribed by provincial law. Age verification is conducted as part of the account-opening process and must be completed before any real-money activity is permitted. Accounts where age cannot be confirmed are not activated.
8. Account Holder Obligations
Persons who open or hold accounts with Red Deer Resort & Casino are required to:
- Provide accurate and complete personal information at the time of registration and throughout the account lifecycle.
- Submit requested identity documents promptly when required by this policy or by applicable law.
- Ensure that all account details correspond exactly to the information contained in submitted identity documents.
- Notify Red Deer Resort & Casino of any change in personal information, including name, address, or contact details, that may affect the accuracy of records held on the account.
Failure to comply with these obligations may result in suspension of account access, withholding of disbursements, or account closure, in accordance with applicable law and internal procedures.
9. Data Handling
Personal data and identity documents collected for the purpose of identity verification are processed in accordance with applicable Canadian privacy legislation. Documents and personal information are retained for the period required by law and are not used for purposes other than those described in this policy and in the Privacy Policy. Access to identity documents is restricted to personnel and systems with a legitimate compliance or regulatory function.
10. Contact
For questions regarding identity verification requirements or the status of a verification review, account holders may contact Red Deer Resort & Casino through the support channels listed on the official website. Requests submitted through official channels are acknowledged and addressed in accordance with standard response procedures.