AML, Sanctions & Fraud Prevention Notice

We apply proportionate digital-merchant controls to prevent fraud, money laundering, terrorist and proliferation financing, sanctions evasion and misuse of digital products.

This notice does not represent that we are a bank, financial institution, virtual-asset service provider or designated non-financial business unless a competent authority determines that classification.

You confirm that information supplied is accurate, funds are lawful, you are authorised to use the payment instrument and account, and the beneficiary is not prohibited.

You must not use products to evade publisher controls, disguise beneficiaries, structure transactions, move value unlawfully or assist another person in prohibited conduct.

Depending on risk and requirements from law, SIB Pay or a supplier, we may verify identity, age, payment ownership, beneficiary, transaction purpose and source of funds.

IP/device signals, order velocity, coupons, payment attempts, refunds, disputes and delivery behaviour may be reviewed automatically or manually.

Relevant parties may be screened against the UAE Local List, UN lists and other legally binding restrictions. A match, suspicion or official request may require us to pause delivery, reject or freeze a transaction or funds, and report to the competent authority.

Law may prohibit advance notice or disclosure of the reason for a hold or report.

Prohibited activity includes stolen or unauthorised cards, account takeover, false identity or documents, transaction structuring, refund or chargeback abuse, bots, unauthorised resale, laundering, terrorist financing, sanctions evasion and any unlawful purpose.

We may request more information, reduce limits, reject or cancel an order, or restrict an account. An unfulfilled cancelled transaction is normally refunded to the original payment method unless law requires funds to remain frozen.

Order, authentication and delivery evidence may be provided to SIB Pay, an issuer, card scheme or competent authority for fraud, chargeback or legal investigation.

Risk, order, payment, delivery and dispute evidence is retained for applicable legal and operational periods with access controls. Verification questions may be sent to support@lubanplay.com, although we may be unable to disclose a legally protected report or investigation.