Terms of Service
1.1. By using and/or visiting any section of the Website, or by opening an account with the Operator through the Website, You agree to be bound by the Terms of Use and You accordingly: (a) agree to the use of electronic communications in order to enter into contracts; and (b) waive any applicable rights or requirements which require a signature by hand, to the extent permitted by any applicable law; (c) agree, that in order to use our service you are requested to provide us with certain personal information which shall be processed on the basis of our Privacy Policy. The Terms of Use do not affect your statutory rights. 1.2. In addition, where You play any game, or place a bet using the Services, or otherwise use the Services, You agree to be bound by Rules of any game You play (“Game Rules”), as set out under the relevant general Help section and any Rules tabs, in respect of any new games, the rules applicable to such game; any Bonus Terms; any terms and conditions relating to withdrawals and any other terms applicable to the Services and/or which You are required to confirm Your agreement to as part of the Services. 1.3. The original text of the Terms of Use is in English and any interpretation of them will be based on the original English text. If the Terms of Use or any documents or notices related to them are translated into any other language, the original English version will prevail. 1.4. Please read the Terms of Use ((a) the General Terms; (b) the Privacy Policy; (c) where appropriate under paragraph 1.3 of the Terms and Conditions, the relevant Rules, Bonus Terms and Additional Terms applicable to the Services that are being used by You)carefully before accepting them. Once You have accepted the Terms of Use, please print the Terms of Use and store them, along with all confirmation emails, additional terms, transaction data, game rules, fair deal rules and payment methods relevant to Your use of the Website. Please note that the Terms of Use are subject to change. 1.5. If You do not agree to accept and be bound by the Terms of Use please do not open an account, and/or continue to use Your Account. Your continued use of any of the Services will constitute acceptance of the Terms of Use which we have notified You are in force from time to time. 1.6. For the avoidance of doubt, each and all sections of the Website are governed by the Terms of Use, and You should ensure at all times that Your use of the Services is in accordance with the Terms of Use.
Responsible Gaming Terms
1.1. For those customers who wish to restrict their gambling, we provide a voluntary self-exclusion policy, which enables You to close Your Account or restrict Your ability to place bets or game on the Website for a minimum period of six months. Once Your Account has been self-excluded You will be unable to reactivate the Account under any circumstances until the expiry of the period chosen under this paragraph. At the expiry of the self-exclusion period You will be entitled to re-commence use of the Services by contacting [email protected] 1.2. In case you are concerned about your gambling practices there are a number of guidelines you may find useful: 1.2.1. try and establish limits for the amounts you want to wager or deposit. 1.2.2. consider how long you wish any wagering session to last before commencing and be sure to keep an eye on the clock. 1.2.3. try not to let gambling interfere with your daily responsibilities. 1.3. Mind that gambling is not advised if you are recovering for any form of dependency or if you are under the influence of alcohol or any other substance including some prescription medication. 1.4. You should always be aware, that gambling is a form of recreation and should not be viewed as an alternative source of income or a way to recoup debt. Recognizing that you may be developing a gambling problem is the first step to regaining control. 1.5. Please bear in mind, that: 1.5.1. Gambling should be entertaining and not seen as a way of making money 1.5.2. you should avoid chasing losses 1.5.3. Only gamble what you can afford to lose 1.5.4. Keep track of time and the amount you spend gambling. 1.6. If You require any information relating to this contact our Support [email protected] or view our Responsible Gambling section. 1.7. The Operator is committed to supporting Responsible Gambling initiatives. We suggest to visit www.responsiblegambling.org for further help, if you feel that gambling starts to become a problem for you.
Self-Exclusion Terms
1.1. Provided that Your Account does not show that a balance is due to us, You are entitled to close Your Account and terminate the Terms of Use on not less than twenty four hours’ notice to us at any time, by contacting us through [email protected]: 1.1.1. indicating Your wish to close Your Account; and 1.1.2. stating the reasons why You wish to close Your Account, in particular if You are doing so because of concerns over the level of Your use of the same. 1.2. We will respond to Your request, confirming closure of Your Account and the date on which such closure will be effective, within a reasonable time, provided that You continue to assume responsibility for all activity on Your Account until such closure has been carried out by us (at which point the Terms of Use shall terminate). 1.3. When You request closure of Your Account, we will, subject to limitation in paragraph 14 of the Terms and Conditions, return any outstanding balance in Your Account to You. 1.4. Upon any termination of Your Account under the paragraph 14, we shall be entitled (without limiting our rights under paragraph 14.6) to withhold, from the repayment of the outstanding balance on Your Account, any monies: (a) pursuant to Collusion, Cheating, Fraud and Criminal Activity); (b) pursuant to Breach of the Terms of Use; (c) as otherwise provided by the Terms of Use; or (d) as required by law or regulation. 1.5. When repaying the outstanding balance on Your Account, we shall use the same method of payment which You provided upon registration of Your Account, or such other payment method as we may reasonably select. 1.6. Where You have closed Your Account, we may in certain circumstances be able to re-open Your Account with the same account details as before if You request us to do so. In such circumstances, while Your Account will have the same account details as before, it will be subject to the Terms of Use which are in force at the date of any such re-opening and any prior entitlements (including, but without limitation, to bonuses or contingent winnings) will no longer be valid.
Dispute Resolution Terms
1.1. No claim or dispute with regard to: 1.1.1. the acceptance or settlement of a bet which You have made using the Services will be considered more than thirty days after the date of the original transaction; and 1.1.2. a game which You have played using the Services will be considered more than twelve weeks after the date on which the relevant transaction or game play took place. 1.2. Should You wish to make a complaint regarding the Services, as a first step You should, as soon as reasonably practicable, contact [email protected] about Your complaint, which will be escalated as necessary within our Support team until resolution. 1.3. You acknowledge that our random number generator will determine the outcome of the games played through the Services and You accept the outcomes of all such games. You further agree that in the unlikely event of a disagreement between the result that appears on Your screen and the game server used by the Operator, the result that appears on the game server will prevail, and You acknowledge and agree that our records will be the final authority in determining the terms and circumstances of Your participation in the relevant online gaming activity and the results of this participation. 1.4. When we wish to contact You, we may do so using any of Your Contact Details. Notices will be deemed to have been properly served and received by You immediately after an email is sent or after we have communicated with You directly by telephone (including where we leave You a voicemail), or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post; in the case of an email, that such email was sent to the specified email address (if any) in Your Contact Details at the time that any such email was sent. 1.5. If there is no reaction on your complaint or notice from us or in your opinion the issue is not yet resolved, you can file a complaint or notice to the licensing and supervision organization contacting https://anjouangaming.com/dispute-terms-conditions/
AML Policy
ANTI MONEY LAUNDERING POLICY: 1. Introduction SILVER OCEAN ENTERPRISES, S.R.L. (hereinafter – the company) is a limited liability company registered, established and incorporated under the laws of Costa Rica, under registration number 3-102-929414. The object of the company is to organize, market, promote, manage, support and operate all types of remote gaming activities, comprising of – all types of games, betting and other operation of betting exchange, interactive casinos, bingos, lotteries, poker and other interactive games. The company holds an automatically renewable one-year sublicense granted by Government of the Autonomous Island of Anjouan, Union of Comoros allowing the operation of Games of Chance on the International market via service lines (via Internet) for the company’s online casino www.HiSpin.com. In order to carry out activities in full compliance with the requirements of business ethics the company has developed a policy of "Anti-Money Laundering" with respect to the operation of www.HiSpin.com (hereinafter - the policy), which is based on the international best practices and standards, including the Financial Action Task Force (FATF) recommendations and the fourth European Union (EU) 2015/849 Directive on legal and regulatory requirements. The purpose of this policy is to design and implement procedures and controls necessary to mitigate the risks for the company of being used in connection with money laundering and terrorism financing. The Policy is approved by the company’s current director on the date written above on the very first page of the policy and is subject to annual revision, if necessary. 2. Definition of Terms Money Laundering - the legalization of illicit income (acquisition, use, transfer or other action), as well as hiding or concealment of its true origin, owner or possessor and / or ownership rights and / or attempt to commit such an act; Terrorism Financing - any transaction completed directly or indirectly, by any person, in any manner illegal and intentionally (regardless of amount of money) aimed at obtaining, or collecting funds that is aimed to use for financing terrorism and/or acts of terrorism. In some cases, it can be extended to legally obtained sources as well; Illicit Income – illegal and/or undocumented property owned or possessed by a person; Business relationship - a business, professional or commercial relationship between the company and a customer which arises out of the business of the company and is at the time when the contact is established. Such relationship occurs when customer registers cryptocurrency wallet account with the company; Identification –obtaining such information on a customer that allows for distinguishing a person from others, if necessary. Verification - verifying on the basis of documents or information the identification of the customer. Documents issued or made available by an official body are sufficient for the verification purpose. Suspicious transaction – a transaction (irrespective of the amount and type of the transaction) with respect to which there are reasonable grounds for suspecting that the transaction has been entered into or conducted for the purpose of illicit income legalization and/or that property (including funds), based on which the transaction has been entered into or conducted, has been obtained or originated from criminal activities, and/or that the transaction has been entered into or conducted for financing terrorism (a party to the transaction or the origin of the transaction amount is suspicious, or there are other grounds for which the transaction maybe considered suspicious), or that any party to the transaction is included in the list of terrorists or persons supporting terrorism and/or maybe related to them, and/or the amount involved in the transaction maybe related to or used for terrorism, terrorist acts, or by terrorists or terrorist organizations or by entities financing terrorism, or that the legal or actual address or place of residence of a party to the transaction is within a high risk country, or that the transaction amount is transferred to or from a high-risk country; Politically Exposed Person - an individual who is entrusted with prominent public functions, other than middle ranking or more junior officials, including the following individuals: • Heads of state, heads of government, ministers and deputy or assistant ministers; • Members of parliament or of similar legislative bodies; • Members of the governing bodies of political parties; • Members of supreme courts, constitutional courts or other high-level judicial bodies whose decisions are not subject to further appeal, except in exceptional circumstances; • Members of courts of auditors or of the boards of central banks; • Ambassadors, chargés d’affaires and high-ranking officers in armed forces; • Members of the administrative, management or supervisory bodies of state-owned enterprises; • Directors, deputy directors and members of the board or equivalent function of an international organization. The following individuals are also regarded as PEPs by virtue of their relationship or association with the individuals listed above: • Family members of the individuals listed above, including spouse, partner, children and their spouses or partners, and parents; • Known close associates of the individuals listed above, including individuals with whom joint beneficial ownership of a legal entity or legal arrangement is held, with whom there are close business relations, or who is a sole beneficial owner of a legal entity or arrangement set up for the benefit of the PEP. 3. Internal Control System To prevent money laundering and terrorism financing, the company has in place an effective internal control system, which consists of the following components: ● Internal policy and procedures; ● Staff responsibilities; ● Risk based approach; ● Customer Due Diligence (CDD); ● Ceasing transaction or terminating business relationship; ● Record keeping; ● Staff selection and training; ● Approval of new products and services. 4. Internal policy and procedures This policy is the basis for internal control system, which defines the general principles for prevention of money laundering and terrorism financing, responsibilities and control mechanisms. In addition to this policy, the company has in place additional internal procedures, which define detailed control mechanisms. The "Customer Due Diligence" procedure described in the section 7 of this policy is the integral part of this policy, which provides the basis for the identification, verification and ongoing monitoring process of the customers. In addition to this, the company has in place separate “Client Identification Procedure” and “Transaction Monitoring Procedure” which provides detailed operational instructions for establishing business relationship. This policy is accessible for all employees and those third parties the company contracts with, if so requested by such third party, whereas operational procedures are only accessible for internal use. 5. Staff responsibilities The company appoints a chief executive officer as the officer responsible for oversight of the compliance with the requirements of this policy. The company also appoints the employee or hires a respective outsource company responsible for control of money laundering (hereinafter - the responsible employee) whose responsibilities include the following: ● Implementation and maintenance of the internal control system defined by this policy; ● Implementation and control of the “Client Identification Procedure”, “Transaction Monitoring Procedure” and other internal procedures related to this policy; ● Monitoring of the customers’ identification process and performed transactions; ● Reporting to the responsible managing shareholder of the company regarding the issues related to anti money laundering controls and suspicious transaction of the customers; ● Provide the AML training to the employees of the company; ● Execution of any other function related to the AML controls in the company. Responsible employee has right to request and receive any information/documents from any employee of the company, which is needed for the execution of the above-mentioned functions. In order to effectively perform his/her functions the company provides responsible employee all necessary resources, including appropriate technical and IT tools and commercial databases for secure storage of information, documentation and etc. Along with the responsible employee, the efficiency of the money laundering control system is the responsibility of the company's chief executive officer. Also, implementing separate tools for controls is responsibility of those employees who are directly involved in establishing business relations with the customers. 6. Risk Based Approach For the purpose of establishment and maintenance of proportionate policies, procedures and controls to mitigate and manage money laundering and terrorist financing risk to which the company’s business is subject, it has developed effective risk management system. The company takes appropriate steps to identify and assess the risks of money laundering and terrorist financing, taking into account the following risk factors: • Country or geographic risk; • Transaction risk; • Product or service risk. 6.1. Country or Geographic Risk The company assumes that some countries pose an inherently higher money laundering and terrorist financing risk than others. Country or geographical risk is defined according to the country of citizenship, residency or location of the customer. In order to determine that a country and customers from that country pose a higher risk, the company uses its own experience, as well as takes into account a variety of other credible sources of information, such as information available from FATF and nongovernmental organizations which can provide a useful guide to perceptions relating to corruption in the majority of countries. The countries that are considered to have inherently higher money laundering and terrorist financing risk are listed in the Annex #1 of this policy. To determine the country or geographical risks of the customer the company obtains the information about the location of the customer through monitoring Internet protocol (IP) addresses used by the customer to access the gaming facilities of the company – www.HiSpin.com. The company shall also determine the citizenship and residency of the customer during the identification and verification process pursuant to the sections 7.1. and 7.2. of this policy. In case the customer is a citizen or a resident of, or its IP address is in one of the countries listed in the annex #1 of this policy, he/she is assigned high risk category and is subject of enhanced due diligence described in section 7.5 of this policy. 6.2. Transaction risk The risk related to the transactions is assigned to the customer according to the transactions, account activities, products, services and games he/she is involved in. The company considers above mentioned operational aspects that can be used to facilitate money laundering and terrorist financing. The company has developed the following internal controls to mitigate the potential transaction risks: • Wagering requirement – the customer is required to wager / make bets in amount of the deposit in order to obtain the approval of the company to withdraw any amount from his/her crypto-wallet registered with the company; however, the company may establish a minimum threshold, under which the wagering requirement does not apply; • Multiple accounts – it is restricted for the customers to open multiple crypto-wallet accounts, which can be misused to obscure their spending levels. The company monitors every transaction performed through crypto-wallet accounts of the customers. Transaction monitoring process enables the company to detect linked transactions, which are further analyzed and monitored. If, on the basis of this monitoring, high risk activity of the customer is identified, the company assigns the high-risk category to the customer and performs enhanced due diligence as described in section 7.5 of this policy. 6.3. Product or Service Risk Product of service risk includes the consideration of the features and characteristics of particular products and services offered by the company. The company assumes that some products and services may pose an inherently higher money laundering and terrorist financing risk than others. Such products and services include games where two or more persons place opposite, equivalent stakes on even, or close to even stakes. The products and services with the above-mentioned features and characteristics, which are considered of higher risk, are subject to enhanced monitoring in order to detect the activities, where customers misuse certain games to transfer value by deliberately losing to the individual to whom they want to transfer funds. 7. Customer Due Diligence (CDD) The key requirement of this policy is to make identity checks on customers, known as customer due diligence or CDD. The company applies CDD measures to the customers, if: • The customer carries out transaction of withdrawing funds from his/her crypto-wallet opened at and held with the company, that is more than the amount determined by Curacao AML laws equivalent in respective cryptocurrency • The company doubts the veracity or adequacy of documents or information previously obtained for the purposes of identification or verification; • The company suspects money laundering or terrorism financing. CDD measures consist of: • Identifying the customer; • Verifying the customer's identity; • Where there is a beneficial owner who is not the customer, identifying the beneficial owner and taking reasonable measures to verify the identity of the beneficial owner so that the company is satisfied that it knows who the beneficial owner is; • Assessing and, where appropriate, obtaining information on the purpose and intended nature of the business relationship. Where a person claims to act on behalf of a customer (such as an agent), the company: • Verifies that the person is authorized to act on the customer's behalf • Identifies the person; • Verifies the person's identity on the basis of documents or information which, in either case, is obtained from a reliable source which is independent of both the person and the customer. 7.1. Identification The company identifies their customers by asking them for personal information, which may include name, home address and date of birth, or by using other sources of identity, such as: • identity documents, e.g., passports, ID cards and driving licenses submitted by customers; • Other forms of confirmation, including assurances from entities within the regulated sector (e.g., banks). The company may also obtain information from the customer on his/her occupation, source of funds and source of income. This information is used by the company in the ongoing monitoring process to assess about whether a customer’s level of gambling is proportionate to their approximate income, or whether it is suspicious. 7.2. Verification Information about customer identity is verified through documents, data and information which are obtained from the customer through electronic means. In this process the company relies upon documents issued by an authoritative source that can be assessed against official and published guidance on identity documents. Only the documents issued by government departments and agencies that contain a photograph are considered reliable. If documents are in a foreign language, the company requests the customer to ensure a translation of the relevant sections. The company obtains the confirmation of the customer’s address from the following sources: • an official overseas government source; • a reputable directory of addresses; • a person regulated for money laundering purposes in the country where the customer is resident (for example, a casino or bank) who confirms that the customer is known to them and lives or works at the overseas address supplied. In combination with document checks, the company also uses reliable electronic system as the method for verification. This system provides satisfactory evidence of identity by using data from multiple sources and across time, and incorporating qualitative checks that assess the strength of the information supplied. 7.3. Politically Exposed Persons (PEPs) Once the company identifies the customer pursuant to the principles of this policy, the company identifies whether a customer or his/her beneficial owner belongs to the category of Politically Exposed Persons in accordance with the definition provided in the section 2 of this policy. Information is obtained from the customer, as well as by screening customer’s name in the publicly available sources and/or dedicated commercial databases. Where the company has determined that a customer or potential customer is a PEP, or a family member or known close associate of a PEP, the company: • Assigns the high-risk category to the customer; • Assesses extent of the enhanced due diligence measures to be applied in relation to that customer; • Obtains senior management’s approval for establishing business relationship; • Takes adequate measures to establish the source of wealth and source of funds which are involved in the proposed business relationship or transactions with that person; • Conduct enhanced ongoing monitoring of the business relationship with that person. Where an individual who was a PEP is no longer entrusted with a prominent public function, the company continues to apply the requirements for PEPs for a period of at least 12 months after the date on which the individual ceased to be entrusted with a public function. 7.4. Simplified Customer due Diligence Measures The measures defined in this section is applicable only for those customers, which has been assigned low or medium risk category. According to the SDD measures, the customer identification is performed based on identification information provided by the customer through the electronic channels of communication. When applying this method, the company obtains the following information about the customer at the moment of crypto-wallet account registration process: • Email address; • Mobile number, only in case the customer is willing to be engaged in bonus program. When applying SDD it is not required to obtain the copy of the customer’s identification documents and verification of the identification data. 7.5. Enhanced Customer due Diligence Measures The company applies enhanced customer due diligence measures and enhanced ongoing monitoring, in addition to the required CDD measures, to manage and mitigate the money laundering or terrorist financing risks arising in the following cases: • In any case identified by the company, where there is a high risk of money laundering or terrorist financing; • In any business relationship or transaction with a customer situated in a high-risk third country listed in Annex 1 of this policy; • If the company has determined that a customer or potential customer is a PEP, or a family member or known close associate of a PEP; • In any case where the company discovers that a customer has provided false or stolen identification documentation or information and the company proposes to continue to deal with the customer; • In any case where a transaction is complex or unusually large, or there is an unusual pattern of transactions, and the transaction or transactions have no apparent economic or legal purpose; • In any other case which, by its nature, can present a higher risk of money laundering or terrorist financing. These enhanced measures include: • Examining the background and purpose of the transaction, as far as reasonably possible; • Increasing the degree and nature of monitoring of the business relationship in which the transaction is made, to determine whether the transaction or the relationship appear to be suspicious; • Seeking additional independent, reliable sources to verify information provided or made available to the company; • Taking additional measures to understand better the background, ownership and financial situation of the customer, and other parties to the transaction; • Taking further steps to be satisfied that the transaction is consistent with the purpose and intended nature of the business relationship; • Increasing the monitoring of the business relationship, including greater scrutiny of the transaction; • A video or voice call with the customer by any means of electronic communications. 7.6. Screening the Customers against the Sanctions Lists Once the company identifies the customer pursuant to the principles of this policy, the company checks the name of the customer in the international sanction lists, which includes the following: ● Entities and other groups and undertakings associated with Al-Qaida and Taliban; ● Individuals associated with the Islamic State in Iraq and the Levant (Da’esh), Al-Qaida; ● Individuals associated with Taliban; The company uses dedicated commercial databases for screening the names of the customers. If there is a match with the sanctioned name, the process of establishing business relationship is stopped and the case is analyzed by the responsible employee. On the basis of analyses and additionally obtained information responsible employee decides how to proceed with the transaction/business relationship. If any party involved in the transaction is on the list of terrorists the responsible employee should immediately inform senior management. In such cases the business relationship with the customer is terminated immediately and senior management decides to report the case to the relevant public authorities. 8. Ceasing transaction or terminating business relationship Where the company is unable to apply the required CDD measures in relation to a particular customer, the company: • Does not carry out a transaction with or for the customer through crypto-wallet account; • Does not establish a business relationship with the customer; • Terminates any existing business relationship with the customer. Where the company is unable to complete required CDD measures in relation to a particular customer at the point the CDD threshold for transactions is reached, and is accordingly required to cease transactions or terminate the business relationship with the customer, the company adopts the following procedure: • At the point where the threshold is reached, the company puts all funds owed to the customer into an account (or equivalent) from which no withdrawals can be made; • Further deposits are made to that account as long as they too are locked into it until CDD is completed; • Bets are made from the account, again providing any winnings are locked until CDD is completed; • Once CDD is completed, the account is unlocked and business continue as normal; If the refund is to be completed back to another account (whether partially or completely) the risk assessment of the transaction is conducted that takes into account information such as: • Multiple destinations – is the customer requesting that the money be sent to several accounts? • High risk destination – is the customer requesting that the money be returned to a country where there is a significant money laundering or terrorist financing concern? The company conducts ongoing monitoring of such cases and, if necessary, considers reporting of findings via relevant fraud monitoring services in the public and private sector. The customers are made fully aware of the above-mentioned procedures when they first register with the company, so that there is no misunderstanding at a later stage. 9. Record Keeping The company has in place record keeping procedure to ensure that there is an audit trail that could assist in any financial investigation by a law enforcement body. The company’s record keeping procedure covers records in the following areas relevant to this policy: • Details of how compliance has been monitored by the responsible employee; • Delegation of AML/CTF tasks by the responsible employee; • Responsible employee’s reports to senior management; • Customer identification and verification information; • Supporting records in respect of business relationships; • Employee training records. The company ensures that above listed information, documents and evidences of transactions will be preserved during five years since carrying out the transaction. Information is recorded, systemized and filed in a way, that when needed it can be found and retrieved in a shortest period of time. 10. Staff selection and training Taking into account the fact, that money laundering and financing of terrorism is often assisted by employees of gambling operators, the company uses intensified measures of identification of candidates in the recruitment process. In this process an important attention is paid to reputation, qualification and honesty of a candidate. Each employee of the company, who is taking part in the process of establishing a business relationship with the customer is trained personally within one month from the moment of hiring and retrained annually. The responsible employee of the company participates in professional training at least annually. The training has an appropriate rank to raise an awareness of employee towards obligations defined by this policy. The company ensures that relevant employees are aware of and understand: • Their responsibilities under the company’s policies and procedures for the prevention of money laundering and terrorist financing; • The money laundering and terrorist financing risks faced by the company and each of its products and services; • The company’s procedures for managing those risks; • The identity, role and responsibilities of the responsible employee, and what should be done in his/her absence; • How the company undertakes CDD; • How PEPs, family members of PEPs and known close associates of PEPs will be identified, and how to distinguish PEPs who present a relatively higher risk from those who present a relatively lower risk. 11. Approval of New Products and Services If the company designs new products or services for customer or significantly changes existing products or services, before implementation of such changes, risk assessment of money laundering and financing of terrorism shall be carried out by the company. The responsible employee takes part in the process of risk assessment, whose recommendations shall be taken into account before the final approval of the design of product/service. Risk evaluation of money laundering and financing of terrorism is also mandatory if the company considers the segmentation of services or use of intermediary company. Annex #1 – High Risk Countries # Country Code 1 Islamic Republic of Afghanistan AF 2 Anguilla AI 3 Antigua and Barbuda AG 4 Bosnia and Herzegovina BA 5 Commonwealth of Dominica DM 6 Republic of Iraq IQ 7 Vanuatu VU 8 Turks Caicos Islands TC 9 Republic of Yemen YE 10 Islamic Republic of Iran IR 11 Cayman Islands KY 12 Republic of Colombia CO 13 Democratic People's Republic of Korea (North) KP 14 Lao People's Democratic Republic LA 15 Federal Republic of Nigeria NG 16 Saint Vincent and the Grenadines VC 17 Federation of Saint Christopher and Nevis KN 18 Republic of Seychelles SC 19 Syrian Arab Republic SY 20 Republic of Tajikistan TJ 21 Republic of Uganda UG
KYC Policies
1. KNOW YOUR CLIENT POLICY To make the Age Verification process as easy as possible, here are a few hints for when you send in your documents: • Each document must be sent as a separate image • Photo Captured images are preferred, but if you’d rather scan your documents, send them as a .jpeg When you take your picture: • Be sure that the first 6 and the last 4 digits of your credit card number should be visible, and CVV should be hidden • Your picture must be in focus and all the text easy to read • Your full passport photo page or ID must be in shot, don’t leave any bits out or cover with your hand or fingers • Your lighting must be good, to stop any glare don’t use flash We need all of this because it’s part and parcel of gambling responsibly – and the applicable law requires it. 1.1. Why do I need to verify my account? When you sign up for a new account, we check that you are over 18 and we verify that you are who you say you are, (a process called Know Your Customer ‘KYC’). It’s part and parcel of gambling responsibly, and something that the law requires us to do. 1.2. What do I need to provide? To verify your age, we will accept one of the following documents: • Passport (recommended) • Driving license • National ID Card • Birth Certificate (verification takes up to 24 hours) • Payment card (note that first 6 and last 4 digits should be visible and CVV should be hidden). Card data shall not be collected and stored by Us without PCI DSS. To verify your identity (KYC) we may need additional documents which could also include: • Signed Credit Agreement • Utility Bill (less than 6 months old) • Bank Statement (less than 6 months old) Make sure your documents are in acceptable condition. 1.3. How can I send you, my documents? The quickest and easiest way to verify your account is online. You can also send the documents via email. Here are a few tips on how to get it right first time: Sending your documents via email • Take a photo of each of your documents and save the photos (or, scan them and save as a .jpeg) • Open the email account that you used to register for our website • Open a new email, addressed to [email protected] • Attach the photos • Enter your account number or username in the ‘Subject’ bar at the top of your email • Press ‘Send When you register for an account, on the account registration page, we’ll need you to provide certain information for security reasons: • Your name and contact details, including a valid email address which needs to be unique to your account • Your date of birth – you must be at least 18 years old • A unique username (your username may contain only letters, numbers, underscore and hyphen symbols) and a password which means only you can access your account • Your betting currency and a deposit limit • A security question and the answer Our registration page checks your details as you enter them and will let you know if there’s a problem, so you can make any changes you need to before you click on the ‘Create My Account’ button. For legal reasons when travelling abroad you may not be able to access your account. We are unable to accept accounts or offer any of our products or services to client resident in the following countries (include link to list of countries): Game provider Restricted territories -------------------------- -------------------------- The list of game providers and territories, where from the Customers are not accepts may be amended time from time. 2. YOUR PERSONAL INFORMATION 2.1. All information on Your Account held by us is securely data warehoused and remains confidential except where otherwise stated in the Terms of Use (including, for the avoidance of doubt, the Privacy Policy). 2.2. We are required by law to comply with data protection requirements in the way in which we use any personal information collected from You in Your use of the Services. We therefore take very seriously our obligations in relation to the way in which we use Your personal information. 2.3. Prior to Your use of and when You use the Services it will be necessary for us to collect certain information about You, including Your name and date of birth, Your Contact Details, and may also include information about Your marketing preferences (all of which shall be known as “Your Personal Information”). 2.4. By providing us with Your Personal Information, You consent to our processing Your Personal Information, including any of the same which is particularly sensitive: 2.4.1. for the purposes set out in the Terms of Use (including the Privacy Policy); and 2.4.2. for other purposes where we need to process Your Personal Information for the purposes of operating the Services, including by sharing it with our service providers, employees and agents for these purposes, for example to our providers of postal services, marketing services and Customer Services agents. We may also disclose Your Personal Information in order to comply with a legal or regulatory obligation. 2.5. We may retain copies of any communications that You send to us (including copies of any emails) in order to maintain accurate records of the information that we have received from You.
Terms of accounts
1. OPENING YOUR ACCOUNT 1.1. In order to place a bet or play a game using the Services, You will need to open an account with the Operator (“Your Account” or “Account”). 1.2. In order to open Your Account for use with the Services, You can: 1.2.1. click on Join Now on the Website and follow the on-screen instructions; or 1.2.2. open by such other Account opening method as shall, from time to time be offered by the Operator. 1.3. When You open Your Account, You will be asked to provide us with personal information, including Your name and date of birth and appropriate contact details, including an address, telephone number and e-mail address (“Your Contact Details”). You may update Your Contact Details from time to time by contacting Customer Services; or through the My Account management page on the Website: or by such other method as shall, from time to time, be offered by the Operator. 1.4. In opening Your Account, You warrant that: 1.4.1. You understand and accept the risk that, by using the Services, You may, as well as winning money, lose money; 1.4.2. You are: (a) over 18 years of age; and (b) above the age at which gambling or gaming activities are legal under the law or jurisdiction that applies to You (the “Relevant Age”); 1.4.3. gambling is not illegal in the territory where You reside; 1.4.4. You are legally able to enter into contracts; 1.4.5. You have not been excluded from gambling; and 1.4.6. You have not already had an Account closed by us for any reason. 1.5. Your Account must be registered in Your own, correct, name and personal details and it shall only be issued once for You and not duplicated through any other person, family, household, address (postal or IP), email address, Access Device or any environment where Access Devices are shared (e.g. schools, workplaces, public libraries etc) and/or account in respect of the Services. Any other accounts which You open with us, or which are beneficially owned by You in relation to the Services shall be “Duplicate Accounts”. We may close any Duplicate Account (but shall not be obliged to do so). If we close a Duplicate Account: 1.5.1. all bonuses, free bets and winnings accrued from such bonuses and free bets obtained using that Duplicate Account will be void and forfeited by You; 1.5.2. we may, at our entire discretion, void all winnings and refund all deposits (less amounts in respect of void winnings) made in respect of that Duplicate Account and, to the extent not recovered by us from the relevant Duplicate Account, any amounts to be refunded to us by You in respect of a Duplicate Account may be recovered by us directly from any other of Your Accounts (including any other Duplicate Account); or 1.5.3. we may, at our entire discretion, allow usage of the Duplicate Account to be deemed valid in which case all losses and stakes placed by or for You through the Duplicate Account shall be retained by us.
Payouts
2. DEPOSITS, WITHDRAWALS AND REFUNDS FROM YOUR ACCOUNT 2.1. If You wish to participate in the Services, You must deposit monies (crypto) into Your Account from an account or source of which You are the account holder. Such monies may (subject to paragraph 5) then be used by You to place bets or play games. If You use a payment method in respect of which You are not the account holder, we reserve the right to treat any deposit into the Account as being invalid (and any winnings arising from such deposit as void) pending the satisfactory completion of all relevant Checks. Withdrawals (including – Refunds) shall be provided within 7 (seven) days’ time after completion of KYC and approval of Your Account. Please note, that Refunds are performed only if there was no game activity on Your account after deposit of respective amount of monies that are reclaimed by you as Refund. All other withdrawals from Your Account will be considered as pay-out of your winnings generated as a result of use of the Services. In order to request a Refund or any other withdrawal, please contact our support by email to [email protected] and provide all documents as requested by the support in order to complete Your KYC. Should You require Our contact details, please open section “Contact Us”. List of the documents required to complete Your KYC procedure shall be denoted in the email sent to You by our support. Please note, that Refunds may be requested not later than 7 (seven) days after deposit of respective means to Your Account. After this term all withdrawals shall be considered as pay-out of your winnings generated a result of use of the Services. 2.2. Withdrawals shall be provided within 7 (seven) days time after completion of KYC and approval of Your Account. For the avoidance of doubt Your Account shall not be used by You as a bank account and, should we become aware of deposits into and withdrawals (including charge-back) from Your Account without commensurate betting or gaming activity, we reserve the right to deduct an administration charge (whether or not we close or suspend the account). Monies deposited with us in Your Account shall not attract interest. The time period, when you can expect your withdrawal at your personal bank account, depends on operation of respective payment service provider or bank. For avoidance of doubt upon your request we can confirm pay-out of the monies requested by You, should that be necessary. The Operator is neither a financial institution, nor an exchange platform and shall not be treated as such. We offer no fiat to crypto or crypto to fiat exchange services. 2.3. You understand that crypto-currencies are not considered as official currencies and as such on the Website they are treated as virtual funds with no intrinsic value. You understand that crypto-currencies exchange rate can change dramatically or even fall to zero depending on the market value. 2.4. To the extent required by Your local law or tax or other authorities You are responsible for reporting Your winnings and losses arising from the Services. 2.5. You can set a deposit limit on Your Account in any one day. For details of how to set up a deposit limit please contact [email protected]. Any confirmed reductions to your deposit limit will be of immediate effect. 2.6. Subject to terms of Closure of Your Account or any other terms set out in these Terms and Conditions or any amendments thereof, You may request withdrawal of funds from Your Account at any time provided that: 2.6.1. all payments made into Your Account have been confirmed as cleared and none have been charged-back, reversed or otherwise cancelled; 2.6.2. any Checks referred to Verification of Your Identity; Money Laundering Requirements have been completed by us to our satisfaction; and 2.6.3. You have complied with any other relevant withdrawal conditions affecting Your Account (e.g. any applicable Bonus Terms). 2.7. On any withdrawal approved by us, provided that You give us sufficient information as to how the funds should be transferred to You, we will return the relevant funds to You (less charges incurred or any other amount required to be deducted from Your withdrawal in order to comply with any applicable law). 2.8. We will attempt to accommodate Your request regarding the payment method and currency of payment of Your withdrawal. This, however, cannot be guaranteed. Therefore, we may process and pay withdrawals in a different payment method than the one requested by You, such as through different payment providers, a bank draft or wire transfer (any charges associated with relevant payment methods are set out in the Website). Similarly, in certain cases, the currency of Your withdrawal may not be the currency in which Your deposit was made or that was otherwise requested by You and, in circumstances where we are required to convert Your deposits between different currencies, the conversion rate used by us will set upon our discretion. 2.9. Inactive Account Fee. If You do not use Your Account for betting or gaming, making a deposit, withdrawal or transfer, or if it is otherwise inactive, for a period of at least 13 consecutive months then it will be an “Inactive Account“. All Inactive Accounts will incur a fee (“Inactive Account Fee”), the details of which can be found in the Help section of the Website. We will notify You when Your Account becomes an Inactive Account, and at least 14 days before any Inactive Account Fee is deducted from it. 2.10. LIMITATIONS: The min. size of deposit is 10 EUR. The min. size of withdrawal is 10 EUR. All payout requests are processed in the order of the queue within 72 hours if the requested amount does not exceed 1000 EUR or the equivalent in another currency and up to 7 days in case the requested amount exceeds 1000 EUR. Withdrawals are processed without commission. Commission for the deposit depends only on the user’s payment system.
Bonuses
3. BONUSES 3.1. The Operator reserves the right to remove, add or change any bonus that is available in the account of any Customer and has not been claimed. Any claimed and active bonus will not be removed by the Operator under regular circumstances. 3.2. Bonuses might have wagering requirements attached to them. These requirements will be appropriately displayed before the Customer decides to use a bonus when wagering requirements are applicable. Withdrawal amounts will be only possible for the real money balance the bonus money balance upon withdrawal will be lost. The Operator has the right to choose which game and service contributes what amount to the wagering requirements. The wagering requirements have a minimum of 25 times the amount of bonus and the real money sum contributing to the bonus figure. 3.3. Bonuses can be received once per person (Customer), per household, per address, per mobile phone, per shared computer and per shared IP address. Risk-free bets on any games or services do not count toward the wagering requirements. Winnings from free spins are added to the real money balance. 3.4. The maximum amount of money to be won from a no deposit free spin bonus and gameplay with mentioned bonus funds is 50 EUR or any other currency equivalent. Any winnings exceeding 50 EUR without making a real money deposit will be void and will be kept by the Operator. Example, a customer receives a no deposit free spins bonus. The free spins get played out and the customer wins 10 EUR. The customer proceeds to play other games and wins 90 EUR, totaling 100 EUR in the Operator cashier. In this case the customer has exceeded the cap of 50 EUR winnings, 50 EUR will be available for withdrawing and 50 EUR will be kept by the Operator. 3.5. The maximum bet when having an active bonus is EUR 5 per spin or EUR 0.5 per bet line. The Operator reserves the right to void bets and wager turnovers resulting from larger bets made on games and/or services of the Operator. 3.6. The Operator reserves the right to impose various restrictions to different countries where Customers may reside regarding bonuses for reasons undisclosed. We further reserve the right to offer specific bonuses to individual customers or customer groups and their termination, change or other alteration without explanation and/or compensations in any form. 3.7. If a player or a group of players are abusing casino bonuses, the Operator has the right to confiscate any wins thereof and to close the players account(s). Abusive behavior towards bonuses and/or bonus abuse means: i) A Player places bets and/or wagers amounting to the maximum allowed per bonus terms to raise the variance in order increase the balance ii) Player lowers the bet and/or wager size after a big win and changes the game to one with a lower volatility iii) Player makes deposits to cap out the bonus amount but not more. Applicable to match bonuses of 50% and above After the account has been flagged as bonus abusing it is forbidden to use any other bonuses and/or participate in promotions at the Operator.