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24 Apr 2024 Notice :- ***Southern Vipers v Central Sparks 1st innings 25 over
runs 5 runs penalty will not be counted**25 over run CS W, Fall of 6th wkt CS W
or fall of 6th wkt bhav CS W, 50 over runs CS W, 50 over runs CS W(2), 50 over
runs bhav CS W(2) will not be counted for 5 runs penalty.***

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Tennis


by Competition

by Competition

by Time

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INTERNATIONAL TWENTY20 MATCHES 1


Bangladesh v Zimbabwe
:
In-play
Matched 4,944,871.48
Back
Lay

Bangladesh





1.42

1539.62

1.43

11517.21

Suspended

Zimbabwe





3.35

236.54

3.4

717.33

Suspended



VIRTUAL BIG BASH 2023 1


In-play

-

Melbourne Stars SRL T20-Brisbane Heat SRL T20

Matched 0.00

:






QOSH TEPA NATIONAL T20 CUP 1


Speen Ghar Tigers v Amo Sharks
:
In-play
Matched 15,022.35
Back
Lay

Speen Ghar Tigers





2.78

1.01

2.98

15.18

Suspended

Amo Sharks





1.51

29.96

1.56

1.8

Suspended

In-play

Bangladesh-Zimbabwe

Matched 4,944,871.48

:





In-play

Melbourne Stars SRL T20-Brisbane Heat SRL T20

Matched 0.00

:





In-play

Speen Ghar Tigers-Amo Sharks

Matched 15,022.35

:





by Competition

by Competition

by Time

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by Competition

by Competition

by Time

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WTA - SINGLES ROME (ITALY) 7


Mar Carle v Tay Preston
:
In-play
Matched 55,876.53
Back
Lay

Maria Lourdes Carle





1.33

1266.49

1.35

389.26

Suspended

Taylah Preston





3.9

57.67

3.95

7,745.00

Suspended

J Cristian v V Gracheva
:
In-play
Matched 124,586.88
Back
Lay

Jaqueline Cristian





1.52

303.98

1.56

509.82

Suspended

Varvara Gracheva





2.78

286.09

2.94

5,398.00

Suspended

In-play

-5'

Rebeka Masarova-Laura Pigossi

Matched 82,657.79

:




In-play

-5'

Viktoriya Tomova-Renata Zarazua

Matched 115,891.60

:




In-play

-5'

Bernarda Pera-Anna Bondar

Matched 174,175.39

:




In-play

-140'

Clara Tauson-Olga Danilovic

Matched 30,095.17

:




In-play

-140'

Aleksandra Krunic-Aliaksandra Sasnovich

Matched 16,734.44

:






ATP - SINGLES ROME (ITALY) 4


In-play

-145'

Zizou Bergs-Juncheng Shang

Matched 19,103.66

:




In-play

-7'

Mikhail Kukushkin-Diego Schwartzman

Matched 267,307.38

:




In-play

-11'

Francesco Passaro-Duje Ajdukovic

Matched 121,173.17

:




In-play

-110'

Corentin Moutet-Thiago Monteiro

Matched 70,786.71

:






CHALLENGER MEN - SINGLES FRANCAVILLA (ITALY) 3


In-play

-70'

Shintaro Mochizuki-Ryan Nijboer

Matched 21,063.10

:




In-play

-68'

Daniel Rincon-Alexis Galarneau

Matched 35,503.45

:




In-play

-72'

Nick Hardt-Enrico Dalla Valle

Matched 21,106.31

:






CHALLENGER MEN - SINGLES MAUTHAUSEN (AUSTRIA) 3


In-play

-145'

Otto Virtanen-Sebastian Fanselow

Matched 1,109.30

:




In-play

-103'

Lucas Pouille-Dennis Novak

Matched 13,777.63

:




In-play

-105'

Sebastian Sorger-Max Hans Rehberg

Matched 2,155.15

:






CHALLENGER MEN - SINGLES WUXI (CHINA) 1


In-play

-108'

Linang Xiao-Hanwen Li

Matched 7,628.64

:




In-play

Maria Lourdes Carle-Taylah Preston

Matched 55,876.53

:





In-play

Jaqueline Cristian-Varvara Gracheva

Matched 124,586.88

:





In-play

Rebeka Masarova-Laura Pigossi

Matched 82,657.79

:





In-play

Viktoriya Tomova-Renata Zarazua

Matched 115,891.60

:





In-play

Zizou Bergs-Juncheng Shang

Matched 19,103.66

:





In-play

Shintaro Mochizuki-Ryan Nijboer

Matched 21,063.10

:





In-play

Mikhail Kukushkin-Diego Schwartzman

Matched 267,307.38

:





In-play

Otto Virtanen-Sebastian Fanselow

Matched 1,109.30

:





In-play

Francesco Passaro-Duje Ajdukovic

Matched 121,173.17

:





In-play

Daniel Rincon-Alexis Galarneau

Matched 35,503.45

:





In-play

Nick Hardt-Enrico Dalla Valle

Matched 21,106.31

:





In-play

Bernarda Pera-Anna Bondar

Matched 174,175.39

:





In-play

Lucas Pouille-Dennis Novak

Matched 13,777.63

:





In-play

Clara Tauson-Olga Danilovic

Matched 30,095.17

:





In-play

Corentin Moutet-Thiago Monteiro

Matched 70,786.71

:





In-play

Sebastian Sorger-Max Hans Rehberg

Matched 2,155.15

:





In-play

Linang Xiao-Hanwen Li

Matched 7,628.64

:





In-play

Aleksandra Krunic-Aliaksandra Sasnovich

Matched 16,734.44

:





by Competition

by Competition

by Time

Today
Tomorrow
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INDIAN PREMIER LEAGUE 5


Delhi Capitals v Rajasthan Royals
:
May 07 19:30
Matched 136,944.98
Back
Lay

Delhi Capitals





2.2

9148.34

2.22

30.25

Suspended

Rajasthan Royals





1.81

1639.73

1.82

342.2

Suspended

Kolkata Knight Riders-Mumbai Indians
May 1119:30


Sunrisers Hyderabad-Lucknow Super Giants
May 0819:30


Punjab Kings-Royal Challengers Bengaluru
May 0919:30


Gujarat Titans-Chennai Super Kings
May 1019:30




RACHAEL HEYHOE FLINT TROPHY 3


North West Thunder v Central Sparks
:
May 08 15:00
Matched 177.11
Back
Lay

North West Thunder





1.6

6.09

1.68

2.72

Suspended

Central Sparks





2.46

1.86

2.68

3.63

Suspended

South East Stars-Northern Diamonds
May 0815:00


Sunrisers-Southern Vipers
May 0815:00




VIRTUAL PSL 2024 2


Islamabad United SRL T20-Peshawar Zalmi SRL T20
May 0717:30



Karachi Kings SRL T20-Lahore Qalanders SRL T20
May 0721:30





VIRTUAL SA20 2023 1


Joburg Super Kings SRL T20-Mi Cape Town SRL T20
May 0719:30





VIRTUAL INTERNATIONAL 2024 1


India SRL T20-England SRL T20
May 0723:30





WOMENS INTERNATIONAL TWENTY20 MATCHES 1


Bangladesh Women-India Women
May 0915:30




ICC WOMENS WORLD T20 QUALIFIER MATCHES 1


Scotland Women-Sri Lanka Women
May 0721:00


Today 19:30

Delhi Capitals-Rajasthan Royals

Matched 136,944.98




Today 17:30

Islamabad United SRL T20-Peshawar Zalmi SRL T20

Matched 0.00




Today 21:30

Karachi Kings SRL T20-Lahore Qalanders SRL T20

Matched 0.00




Today 19:30

Joburg Super Kings SRL T20-Mi Cape Town SRL T20

Matched 0.00




Today 23:30

India SRL T20-England SRL T20

Matched 0.00




Today 21:00

Scotland Women-Sri Lanka Women

Matched 428.41




May 0815:00

North West Thunder-Central Sparks

Matched 177.11




May 0815:00

South East Stars-Northern Diamonds

Matched 1,057.71




May 0819:30

Sunrisers Hyderabad-Lucknow Super Giants

Matched 222.48




May 0815:00

Sunrisers-Southern Vipers

Matched 62.56




by Competition

by Competition

by Time

Today
Tomorrow
Collapse


SOUTH AMERICA COPA SUDAMERICANA 6


Alianza Petrolera-Cruzeiro MG
May 0806:00


Racing Club (Uru)-Argentinos Juniors
May 0803:30


Always Ready-Defensa y Justicia
May 0807:30


Club Sportivo Ameliano-Danubio
May 0806:00


Universidad Cesar Vallejo-Ind Medellin
May 0805:30


Nacional (Par)-Corinthians
May 0803:30




SOUTH AMERICA COPA LIBERTADORES 6


Caracas-Penarol
May 0803:30


Nacional (Uru)-River Plate
May 0805:30


Universitario de Deportes-Junior FC Barranquilla
May 0807:30


Rosario Central-Atletico MG
May 0803:30


Deportivo Tachira-Libertad
May 0805:30


Palestino-Flamengo
May 0805:30




SOUTH AFRICA PREMIER LEAGUE 4


Supersport Utd v Sekhukhune United
:
May 07 23:00
Matched 319.77
Back
Lay

Supersport Utd





2.28

7,886.00

2.44

8,842.00

Suspended

Sekhukhune United





3.95

6,290.00

4.4

5,697.00

Suspended

The Draw





2.86

9,488.00

3.05

6,493.00

Suspended

Bloemfontein Celtic v Ajax Cape Town
:
May 07 23:00
Matched 26.23
Back
Lay

Bloemfontein Celtic





1.85

7,428.00

1.95

488.00

Suspended

Ajax Cape Town





4.9

2,516.00

5.3

4,186.00

Suspended

The Draw





3.55

717.00

3.75

7,272.00

Suspended

Cape Town CIty F.C.-Moroka Swallows
May 0723:00


Kaizer Chiefs-TS Galaxy FC
May 0723:00




FINLAND SUOMEN CUP 1


PPJ-JaPS/47
May 0722:35




LATVIA VIRSLIGA 2


FK Tukums 2000-FK Jelgava
May 0720:30


SC Grobina-BFC Daugavpils
May 0720:00




SERBIA PRVA LIGA 3


FK Graficar-FK Jedinstvo Ub
May 0720:30


Indija-FK Smederevo
May 0720:30


Tekstilac Odzaci-FK Radnicki Sremska
May 0720:30




ITALY SERIE C - PLAY OFFS 9


Juventus B-Arezzo
May 0800:00


Audace Cerignola-FC Giugliano
May 0800:00


Giana Erminio-Pro Vercelli
May 0800:00


Taranto Sport-US Latina Calcio
May 0800:00


Pescara-Pontedera
May 0800:00


Atalanta B-A.C. Trento S.C.S.D.
May 0800:00


AZ Picerno ASD-Crotone
May 0800:30


Gubbio-Rimini
May 0800:00


FC Legnago-Lumezzane
May 0800:00




EUROPE CHAMPIONS LEAGUE - SEMI-FINALS 2


Paris St-G-Dortmund
May 0800:30


Real Madrid-Bayern Munich
May 0900:30




COSTA RICA PRIMERA DIVISION 2


AD Municipal Liberia-Municipal Grecia
May 0807:30


AD San Carlos-Deportivo Saprissa
May 0806:30




ENGLAND LEAGUE ONE - SEMI-FINALS 1


Bolton-Barnsley
May 0800:30




SERBIA SUPER LIGA 4


FK IMT Novi Beograd-Fk Novi Pazar
May 0717:30


Radnik Surdulica-FK Javor Ivanjica
May 0721:30


FK Spartak-Radnicki Nis
May 0721:30


Vozdovac-Zeleznicar Pancevo
May 0722:30




ARGENTINA PRIMERA NACIONAL 1


Talleres (RE)-CA Racing de Cordoba
May 0723:35




MOROCCO BOTOLA PRO 1


RSB Berkane-Moghreb Tetouan
May 0800:30




ENGLAND PROFESSIONAL DEVELOPMENT LEAGUE 4


Colchester United U21-Watford U21
May 0723:30


Bristol City U21-Charlton U21
May 0717:30


Peterborough United U21-Coventry City U21
May 0717:30


Queens Park Rangers U21-Barnsley U21
May 0717:30




GERMANY 2. BUNDESLIGA 1


VFL Osnabruck-Schalke 04
May 0722:00




EGYPT PREMIER LEAGUE 1


Al Ahly Cairo-Al Ittihad (EGY)
May 0721:30




KUWAIT PREMIER LEAGUE 2


Al Nasar (KUW)-Al Arabi Kuwait
May 0721:30


Al Salmiyah-Al-Qadsia
May 0723:45




BRAZIL SERIE B 1


Botafogo SP-Mirassol
May 0805:30




SWEDEN SUPERETTAN 1


Orgryte-Helsingborgs
May 0722:30




ARMENIA PREMIER LEAGUE 1


Ararat Armenia-BKMA Yerevan
May 0720:30




TURKEY TURKISH CUP - SEMI-FINALS 1


Besiktas-Ankaragucu
May 0723:00




SCOTLAND PREMIERSHIP 1


Airdrieonians-Partick
May 0800:15


Today 23:00

Supersport Utd-Sekhukhune United

Matched 319.77




Today 23:00

Bloemfontein Celtic-Ajax Cape Town

Matched 26.23




Today 22:35

PPJ-JaPS/47

Matched 261.97




Today 20:30

FK Tukums 2000-FK Jelgava

Matched 137.65




Today 20:30

FK Graficar-FK Jedinstvo Ub

Matched 180.97




Today 20:30

Indija-FK Smederevo

Matched 522.06




Today 20:00

SC Grobina-BFC Daugavpils

Matched 220.74




Today 17:30

FK IMT Novi Beograd-Fk Novi Pazar

Matched 4,731.67




Today 23:35

Talleres (RE)-CA Racing de Cordoba

Matched 332.83




Today 23:30

Colchester United U21-Watford U21

Matched 19.60




Today 22:00

VFL Osnabruck-Schalke 04

Matched 13,613.67




Today 21:30

Radnik Surdulica-FK Javor Ivanjica

Matched 11,547.56




Today 23:00

Cape Town CIty F.C.-Moroka Swallows

Matched 1,102.03




Today 20:30

Tekstilac Odzaci-FK Radnicki Sremska

Matched 239.83




Today 21:30

FK Spartak-Radnicki Nis

Matched 3,062.04




Today 21:30

Al Ahly Cairo-Al Ittihad (EGY)

Matched 1,537.40




Today 21:30

Al Nasar (KUW)-Al Arabi Kuwait

Matched 119.80




Today 23:00

Kaizer Chiefs-TS Galaxy FC

Matched 585.65




Today 23:45

Al Salmiyah-Al-Qadsia

Matched 0.00




Today 22:30

Orgryte-Helsingborgs

Matched 654.76




Today 22:30

Vozdovac-Zeleznicar Pancevo

Matched 224.76




Today 20:30

Ararat Armenia-BKMA Yerevan

Matched 116.52




Today 17:30

Bristol City U21-Charlton U21

Matched 561.36




Today 23:00

Besiktas-Ankaragucu

Matched 2,745.86




Today 17:30

Peterborough United U21-Coventry City U21

Matched 465.35




Today 17:30

Queens Park Rangers U21-Barnsley U21

Matched 8,562.61




May 0806:00

Alianza Petrolera-Cruzeiro MG

Matched 0.00




May 0803:30

Caracas-Penarol

Matched 0.00




May 0805:30

Nacional (Uru)-River Plate

Matched 0.00




May 0807:30

Universitario de Deportes-Junior FC Barranquilla

Matched 0.00




May 0800:00

Juventus B-Arezzo

Matched 0.00




May 0800:30

Paris St-G-Dortmund

Matched 0.00




May 0807:30

AD Municipal Liberia-Municipal Grecia

Matched 0.00




May 0800:00

Audace Cerignola-FC Giugliano

Matched 0.00




May 0800:00

Giana Erminio-Pro Vercelli

Matched 0.00




May 0800:00

Taranto Sport-US Latina Calcio

Matched 0.00




May 0800:30

Bolton-Barnsley

Matched 0.00




May 0803:30

Rosario Central-Atletico MG

Matched 0.00




May 0800:00

Pescara-Pontedera

Matched 0.00




May 0803:30

Racing Club (Uru)-Argentinos Juniors

Matched 0.00




May 0800:30

RSB Berkane-Moghreb Tetouan

Matched 0.00




May 0805:30

Deportivo Tachira-Libertad

Matched 0.00




May 0807:30

Always Ready-Defensa y Justicia

Matched 0.00




May 0806:00

Club Sportivo Ameliano-Danubio

Matched 0.00




May 0800:00

Atalanta B-A.C. Trento S.C.S.D.

Matched 0.00




May 0805:30

Universidad Cesar Vallejo-Ind Medellin

Matched 0.00




May 0800:30

AZ Picerno ASD-Crotone

Matched 0.00




May 0806:30

AD San Carlos-Deportivo Saprissa

Matched 0.00




May 0805:30

Botafogo SP-Mirassol

Matched 0.00




May 0805:30

Palestino-Flamengo

Matched 0.00




May 0800:00

Gubbio-Rimini

Matched 0.00




May 0803:30

Nacional (Par)-Corinthians

Matched 0.00




May 0800:00

FC Legnago-Lumezzane

Matched 0.00




May 0800:15

Airdrieonians-Partick

Matched 0.00




by Competition

by Competition

by Time

Today
Tomorrow
Collapse


WTA - SINGLES ROME (ITALY) 13


Frech v As Krueger
:
May 07 18:00
Matched 9,465.98
Back
Lay

Magdalena Frech





2.16

561.97

2.2

462.05

Suspended

Ashlyn Krueger





1.84

552.45

1.86

652.61

Suspended

Oceane Dodin-Brenda Fruhvirtova
May 0716:30


Martina Trevisan-Yulia Putintseva
May 0717:30


Vittoria Paganetti-Lucrezia Stefanini
May 0718:30


Lauren Davis-Angelique Kerber
May 0718:30


Arantxa Rus-Camila Osorio
May 0718:00


Ana Bogdan-Leylah Fernandez
May 0719:00


Mirra Andreeva-Paula Badosa
May 0716:00


Xinyu Wang-Yue Yuan
May 0718:00


Yulia Starodubtseva-Katie Volynets
May 0716:30


Viktorija Golubic-Linda Fruhvirtova
May 0716:30


Greet Minnen-Diana Shnaider
May 0718:00


Laura Siegemund-Julia Riera
May 0716:30




ATP - SINGLES ROME (ITALY) 6


Brandon Nakashima v Jesper De Jong
:
May 07 17:30
Matched 4,074.13
Back
Lay

Brandon Nakashima





1.45

1118.97

1.47

225

Suspended

Jesper De Jong





3.15

105

3.2

1.42

Suspended

Vit Kopriva-Nicolas Moreno de Alboran
May 0716:55


Radu Albot-Alexandre Muller
May 0716:05


Facundo Bagnis-Botic Van de Zandschulp
May 0717:25


Maximilian Marterer-Richard Gasquet
May 0716:05


Jeffrey John Wolf-Hamad Medjedovic
May 0716:35




CHALLENGER MEN - SINGLES PRAGUE (CZECH REPUBLIC) 12


Mathias Bourgue-Felix Gill
May 0718:50


Javier Barranco Cosano-Hugo Grenier
May 0717:30


Leandro Riedi-Henri Squire
May 0720:00


Alex Molcan-Mathys Erhard
May 0720:10


Marco Trungelliti-Nikoloz Basilashvili
May 0717:30


Maxime Janvier-Toby Alex Kodat
May 0719:10


Nikolas Sanchez Izquierdo-Rudolf Molleker
May 0717:30


Jonas Forejtek-Benjamin Bonzi
May 0720:10


Martin Krumich-Henrique Rocha
May 0720:00


Giovanni Fonio-Geoffrey Blancaneaux
May 0720:00


Clement Chidekh-Martin Damm
May 0718:50


Jakub Paul-Enzo Couacaud
May 0717:50




CHALLENGER MEN - SINGLES FRANCAVILLA (ITALY) 7


Gastao Elias-Gianluca Mager
May 0716:20


Lorenzo Carboni-Federico Arnaboldi
May 0716:25


Billy Harris-Andrea Guerrieri
May 0717:40


Ethan Quinn-Gabriele Piraino
May 0723:30


Alessandro Giannessi-Elmer Moeller
May 0716:10


Titouan Droguet-Jules Marie
May 0720:30


Damien Wenger-Tristan Boyer
May 0717:30




CHALLENGER MEN - SINGLES MAUTHAUSEN (AUSTRIA) 5


Jerome Kym-Gerald Melzer
May 0717:50


Dimitar Kuzmanov-Mohamed Safwat
May 0717:15


Lukas Neumayer-Gabriel Diallo
May 0716:35


Mats Rosenkranz-Joel Schwaerzler
May 0716:30


Elias Ymer-Roman Andres Burruchaga
May 0717:55


<
Today 18:00

Magdalena Frech-Ashlyn Krueger

Matched 9,465.98




Today 17:30

Brandon Nakashima-Jesper De Jong

Matched 4,074.13




Today 18:50

Mathias Bourgue-Felix Gill

Matched 852.02




Today 16:20

Gastao Elias-Gianluca Mager

Matched 101.40




Today 16:30

Oceane Dodin-Brenda Fruhvirtova

Matched 1,970.97




Today 17:50

Jerome Kym-Gerald Melzer

Matched 1,801.40




Today 16:55

Vit Kopriva-Nicolas Moreno de Alboran

Matched 1,726.50




Today 17:30

Javier Barranco Cosano-Hugo Grenier

Matched 737.27




Today 20:00

Leandro Riedi-Henri Squire

Matched 1,821.69




Today 16:05

Radu Albot-Alexandre Muller

Matched 26,148.00




Today 17:30

Martina Trevisan-Yulia Putintseva

Matched 26,475.56




Today 18:30

Vittoria Paganetti-Lucrezia Stefanini

Matched 24,287.65




Today 16:25

Lorenzo Carboni-Federico Arnaboldi

Matched 491.28




Today 20:10

Alex Molcan-Mathys Erhard

Matched 274.79




Today 17:40

Billy Harris-Andrea Guerrieri

Matched 324.71




Today 17:30

Marco Trungelliti-Nikoloz Basilashvili

Matched 2,614.02




Today 18:30

Lauren Davis-Angelique Kerber

Matched 8,474.47




Today 19:10

Maxime Janvier-Toby Alex Kodat

Matched 479.62




Today 18:00

Arantxa Rus-Camila Osorio

Matched 25,858.88




Today 23:30

Ethan Quinn-Gabriele Piraino

Matched 977.52




Today 17:25

Facundo Bagnis-Botic Van de Zandschulp

Matched 5,195.46




Today 16:05

Maximilian Marterer-Richard Gasquet

Matched 15,739.32




Today 17:30

Nikolas Sanchez Izquierdo-Rudolf Molleker

Matched 8,578.05




Today 16:10

Alessandro Giannessi-Elmer Moeller

Matched 544.18




Today 17:15

Dimitar Kuzmanov-Mohamed Safwat

Matched 364.01




Today 20:10

Jonas Forejtek-Benjamin Bonzi

Matched 633.72




Today 20:00

Martin Krumich-Henrique Rocha

Matched 333.17




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NOTIFICATIONS



FANCYBET RULE

12.21.2023

South Africa V India40 Over Run IND 206(110/90) Rate Bets Will Be Voided Due To
No-Ball... (19:17:31 TO 19:17:50 IST)50 Over Runs IND Adv 291-293 Rate Bets Will
Be Voided Due To No-Ball... (19:17:31 TO 19:17:50 IST)

South Africa V India


40 Over Run IND

206(110/90) Rate Bets Will Be Voided Due To No-Ball... (19:17:31 TO 19:17:50
IST)

50 Over Runs IND Adv

291-293 Rate Bets Will Be Voided Due To No-Ball... (19:17:31 TO 19:17:50 IST)


South Africa V India


40 Over Run IND

206(110/90) Rate Bets Will Be Voided Due To No-Ball... (19:17:31 TO 19:17:50
IST)

50 Over Runs IND Adv

291-293 Rate Bets Will Be Voided Due To No-Ball... (19:17:31 TO 19:17:50 IST)


South Africa V India


40 Over Run IND

206(110/90) Rate Bets Will Be Voided Due To No-Ball... (19:17:31 TO 19:17:50
IST)

50 Over Runs IND Adv

291-293 Rate Bets Will Be Voided Due To No-Ball... (19:17:31 TO 19:17:50 IST)



History

Competitions
Back


Event

No Event

Market Depth

Adelaide Strikers vs Melbourne Stars

Match Odds
Adelaide Strikers

Adelaide Strikers

Melbourne Stars

Total matched
1261635450.19
Selection Volume
949173967.94
Last price
1.37
Traded and Available
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Price
To Back
Traded
1.36
$9835527.83
$37115053.07
1.36
$9835527.83
$37115053.07
1.36
$9835527.83

1.36
$9835527.83

The information on this page may be slightly delayed.
1.36
$9835527.83
$37115053.07
1.36
$9835527.83
$37115053.07
1.36
$9835527.83

1.36
$9835527.83

The information on this page may be slightly delayed.
1.36
$9835527.83
$37115053.07
1.36
$9835527.83
$37115053.07
1.36
$9835527.83

1.36
$9835527.83

The information on this page may be slightly delayed.
1.36
$9835527.83
$37115053.07
1.36
$9835527.83
$37115053.07
1.36
$9835527.83

1.36
$9835527.83

The information on this page may be slightly delayed.

Setting
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NOTIFICATION

You have to login to play the game.
If you do not have an account with us yet, just sign up with us. It is FREE!



PRIVACY POLICY

Your privacy is important to us, and we are committed to protecting your
personal information. We will be clear and open about why we collect your
personal information and how we use it. Where you have choices or rights, we
will explain these to you.

This Privacy Policy explains how BAAJIWALA uses your personal information when
you are using one of our website.

If you do not agree with any statements contained within this Privacy Policy,
please do not proceed any further on our website. Please be aware that
registering an account on our website, placing bets and transferring funds will
be deemed confirmation of your full agreement with our Terms and Conditions and
our Privacy Policy. You have the right to cease using the website at any time;
however, we may still be legally required to retain some of your personal
information.

We may periodically make changes to this Privacy Policy and will notify you of
these changes by posting the modified terms on our platforms. We recommend that
you revisit this Privacy Policy regularly.



WHO IS IN CONTROL OF YOUR INFORMATION?

Throughout this Privacy Policy, " BAAJIWALA ", "we", "our" and "us" relates to
Mayasofttech Ltd, a limited liability company, registered in Belize. We control
the ways your Personal Data is collected and the purposes for which your
Personal Data is used by BAAJIWALA, acting as the “data controller” for the
purposes of applicable European data protection legislation.




OUR DATA PROTECTION OFFICER

If you have concerns or would like any further information about how BAAJIWALA
handles your personal information, you can contact our Data Protection Officer.



INFORMATION WE COLLECT ABOUT YOU



PERSONALLY IDENTIFIABLE INFORMATION

You provide this information to us in the process of setting up an account,
placing bets and using the services of the website. This information is required
to give you access to certain parts of our website and related services. This
data is collected when you:

 * Register an account with BAAJIWALA
 * voluntarily provide it when using the website
 * personally disclose the information in public areas of the website
 * Provide it when you contact our customer support team


The information includes your:

 * Username
 * First and surname
 * Date of birth
 * Email address
 * Residential address
 * Phone number
 * Billing address
 * Identification documents
 * Proof of address documents
 * Transaction history
 * Website usage preferences
 * Any other information you provide us when using our platforms
 * Credit/debit card details, or other payment information


The information is also required for billing purposes and for the protection of
minors. You can amend and update this information by contacting Customer
Support. This data is for internal use only and is never passed to any third
parties except those stated below. Telephone CallsTelephone calls to and from
our Customer Contact Centre are recorded for training and security purposes
along with the resolution of any queries arising from the service you
receive.Social Features of Our ProductsIf you choose to participate in any of
the social features that we provide with our products (such as chat rooms)
BAAJIWALA may store record or otherwise process this data. Non-personally
identifiable information and traffic analysis BAAJIWALA strives to make our
website as user friendly as possible and easy to find on the Internet. BAAJIWALA
collects data on how you use the site, which does not identify you personally.
When you interact with the services, our servers keep an activity log unique to
you that collects certain administrative and traffic information including:
source IP address, time of access, date of access, web page(s) visited, language
use, software crash reports and type of browser used. This information is
essential for the provision and quality of our services.



COOKIES

BAAJIWALA uses cookies to ensure our website works efficiently and to enhance
your visits to our platforms. Further information can be found in our Cookie
Policy.



HOW AND WHY WE USE YOUR PERSONAL INFORMATION

We use your personal information in a range of ways that fall into the following
categories:

 * To provide you with the products or services you have requested;
 * To meet our legal or regulatory obligations;
 * To monitor our website performance; and
 * To provide you with marketing information


Your rights over your personal information differ according to which category
and lawful basis this fall into. This section provides more information about
each category, the rights it gives you, and how to exercise these rights.These
rights are in bold following each category.



PROVIDING OUR PRODUCTS AND SERVICES

We use your personal information to enable you to use our websites, to set up
your account, participate in the online sports book, casino and to provide you
with customer service assistance.

To provide our products and services, we share your information with external
organisations working on our behalf. Further information can be found in the
Sharing Information section.

This category covers the essential activities required in order for us to
provide you with the services you use or have signed up for. If you don’t want
your information used in this way, your option is to not use our services and
close your account..

BAAJIWALA will use your identification document and/or proof of address to check
your details in order for us to protect our users from fraudulent behaviour and
to promote responsible gambling.

We may conduct a security review at any time to validate the registration data
provided by you and to verify your use of the services and your financial
transactions for potential breach of our Terms and Conditions and of applicable
law. Security reviews may include but are not limited to ordering a credit
report and/or otherwise verifying the information you provide against
third-party databases.

We are required to carry out these activities to provide our products and
services legally, responsibly, and in line with the requirements stipulated by
regulators. We cannot provide you with our services without carrying out these
activities, if you don’t want your information used in this way, your option
is to not use our services and close your account.



TO MONITOR OUR WEBSITE PERFORMANCE

As detailed above, we use cookies and traffic analysis in order to improve the
performance of our website and services available. We have a legitimate interest
in carrying out these activities and we ensure that we minimise any impact on
your privacy. You have the ‘right to object’ to activities carried out for
our legitimate interest if you believe your right to privacy outweighs our
legitimate business interests. However, as the activities involved are central
to our business, if you wish to object further than managing your cookies this
may mean you need to close your account.



MARKETING

If you have given us your consent to do so, we will send you offers and
promotions via email, SMS or online. We do not share your information with third
parties for them to use for their own marketing. You have the right to withdraw
consent or update your marketing preferences at any time.



YOUR RIGHTS



YOUR RIGHTS TO RECTIFICATION

If you believe the personal information we hold on you is incorrect, you have
the right for this to be rectified.



YOUR RIGHT TO REQUEST A COPY OF YOUR PERSONAL INFORMATION

If you would like a copy of the personal information we hold about you, you
should request it through live chat and we will provide you with a form to
complete. The form is not compulsory but helps us to provide you with the
information you are looking for in a timely manner. To ensure the security of
your personal information, we will ask you for valid proof of identity and once
we’ve received it we will provide our response within one month. If your
request is unusually complex and likely to take longer than a month, we will let
you know as soon as we can and tell you how long we think it will take, such
request may also incur an administration cost.



YOUR RIGHT OF ERASURE

You can request us to erase your personal data where there is no compelling
reason to continue processing. This right only applies in certain circumstances;
it is not a guaranteed or absolute right.

The right to erasure does not apply if processing is necessary for one of the
following reasons: to exercise the right of freedom of expression and
information; to comply with a legal obligation; for the performance of a task
carried out in the public interest or in the exercise of official authority; for
archiving purposes in the public interest, scientific research historical
research or statistical purposes where erasure is likely to render impossible or
seriously impair the achievement of that processing; or *for the establishment,
exercise or defence of legal claims.



SHARING YOUR PERSONAL INFORMATION

We may disclose your Personal Data to third parties:

 * if we are under a duty to disclose or share your personal information in
   order to comply with any legal or regulatory obligation;
 * in order to enforce or apply the terms of this notice or any other
   agreements;
 * to assist us in providing you with the products and services you request,
   including but not limited to third party software providers;
 * if, in our sole determination, you are found to have cheated or attempted to
   defraud us, or other users of the service in any way including but not
   limited to game manipulation or payment fraud;
 * for the purpose of research on the prevention of addiction (this data will be
   made anonymous)
 * to protect the rights, property or safety of us, our customers or others; and
 * where we have received your permission for us to do so.


Personal Information collected on the services may be stored and processed in
any country in which we or our affiliates, suppliers or agents maintain
facilities. By using our services, you expressly consent to any transfer of
information outside of your country. When we transfer any part of your Personal
Data outside the EEA or adequate jurisdictions we will take reasonable steps to
ensure that it is treated as securely as it is within the EEA or adequate
jurisdictions. These steps include but are not limited to the following:

 * Binding corporate rules;
 * Model contracts; or
 * US/EU privacy shield



SECURITY

We understand the importance of security and the techniques needed to secure
information. We store all of the Personal Information we receive directly from
you in an encrypted and password protected database residing within our secure
network behind active state-of-the-art firewall software. (Our Services support
SSL Version 3 with 128-bit encryption). We also take measures to ensure our
subsidiaries, agents, affiliates and suppliers employ adequate security
measures.



RETENTION

We retain personal information for as long as we reasonably require it for legal
or business purposes. In determining data retention periods, BAAJIWALA takes
into consideration local laws, contractual obligations, and the expectations and
requirements of our customers. When we no longer need your personal information,
we securely delete or destroy it.



THIRD-PARTY PRACTICES

We cannot ensure the protection of any information that you provide to a
third-party online site that links to or from the services or any information
collected by any third party administering our affiliate program (if applicable)
or any other program, since these third-party online sites are owned and
operated independently from us. Any information collected by these third parties
is governed by the privacy policy, if any, of such third party.

Our web site may contain links to other web sites, which are outside our control
and are not covered by this Privacy Policy. If you access other sites using the
links provided, the operators of these sites may collect information from you
which will be used by them in accordance with their privacy policy, which may
differ from ours. We are not responsible solely the operators of these websites
shall be responsible for their functionality or possible errors on the linked
sites.



ANALYTICS

The services contained in this section enable the Owner to monitor and analyse
web traffic and can be used to keep track of user behaviour.

Google Analytics (Google Inc.)

Google Analytics is a web analysis service provided by Google Inc.
(“Google”). Google utilizes the Data collected to track and examine the use
of BAAJIWALA, to prepare reports on its activities and share them with other
Google services.

Google may use the Data collected to contextualize and personalize the ads of
its own advertising network.

Personal Data collected: Cookies and Usage Data





DISCLAIMER

The Services operate ‘AS-IS’ and ‘AS-AVAILABLE’ without liability of any
kind. We are not responsible for events beyond our direct control. Due to the
complex and ever-changing nature of our technology and business, we cannot
guarantee, nor do we claim that there will be error-free performance regarding
the privacy of your Personal Information, and we will not be liable for any
indirect, incidental, consequential or punitive damages relating to the use or
release of said Personal Information.



CHANGES TO OUR PRIVACY STATEMENT

We may update this policy from time to time, so please review it frequently.If
any material changes are made to this Privacy Policy we will use reasonable
endeavours to inform you in advance by email, notice on the Website or other
agreed communications channels. We will communicate the changes to you in
advance, giving an appropriate amount of time for you to consider and understand
the changes before they become effective.We will not enforce material changes to
the Privacy Policy without your express consent. If you decline to accept the
changes to the Privacy Policy, or otherwise do not accept the changes within the
time period, we may not be able to continue to provide some or all products and
services.


TERMS AND CONDITION

Description: Initial Terms and Conditions replacing general rules


Introduction


These terms and conditions and the documents referred and linked to below (the
“Terms”) set out the basis upon which the website operated under the URL
www.baajiwala.live (the “Website”) and its related or connected services
(collectively, the “Service”) will be provided to you.


Please read these terms very carefully as they form a binding legal agreement
between you - our customer (the “Customer”) - and us. By opening an account
(the “Account”) and using the Service you agree to be bound by these terms,
together with any amendment which may be published from time to time.


If anything is not clear to you please contact us using the contact details
below.


The Service is supplied by Mayasofttech Ltd


Transactions and payment services are operated by Mayasofttech Ltd a limited
liability company registered in Belize


General Terms


We reserve the right to amend the terms (including to any documents referred and
linked to below) at any time. When such amendment is not substantial, we may not
provide you with prior notice. You will be notified in advance for material
changes to the terms and may require you to re-confirm acceptance to the updated
terms before the changes come into effect. If you object to any such changes,
you must immediately stop using the service and the termination provisions below
will apply. Continued use of the service indicates your agreement to be bound by
such changes. Any bets not settled prior to the changed terms taking effect will
be subject to the pre-existing terms.


If at any time you are in any doubt about how to place bets or otherwise use the
service you should refer back to these terms or contact our customer service
department (Customer Service Department)


1. Your Obligations


You agree that at all times when using the Service:


You are over 18 years of age (or over the age of majority as stipulated in the
laws of the jurisdiction applicable to you) and can enter into a binding legal
agreement with us.


It is the User’s responsibility to check and enter this site only if the user
is in a country where it is lawful to place bets on the service (if in doubt,
you should seek local legal advice). It is your responsibility to ensure that
your use of the service is legal.


When sending money to us you are authorised to do so e.g. you are the authorised
user of the debit/credit card or other payment method you use.


You will not, by participating in the Services and/or placing bets be placed in
a position of actual, potential or perceived conflict of interest in any manner.


You have never failed to pay, or attempted to fail to pay a liability on a bet.


You are acting solely on your own behalf as a private individual in a personal
capacity and not on behalf of another party or for any commercial purposes.


By placing bets you may lose some or all of your money lodged with us in
accordance with these terms and you will be fully responsible for that loss.


You must use the service for legitimate betting purposes only and must not nor
attempt to manipulate any market or element within the service in bad faith or
in a manner that adversely affects the integrity of the Service or us.


When placing bets on the service you must not use any information obtained in
breach of any legislation in force in the country in which you were when the bet
was placed.


You must make all payments to us in good faith and not attempt to reverse a
payment made or take any action which will cause such payment to be reversed by
a third party in order to avoid a liability legitimately incurred.


You must otherwise generally act in good faith in relation to us of the service
at all times and for all bets made through the service.





2. Registration


You agree that at all times when using the service:


In order to protect the integrity of the service and for other operational
reasons we reserve the right to refuse to accept a registration application from
any applicant at our sole discretion and without any obligation to communicate a
specific reason.


Before using the service, you must personally complete the registration form and
read and accept these terms. In order to start betting on the service, we will
require you to become a verified Customer which includes passing certain checks.
You may be required to provide a valid proof of identification and any other
document as it may be deemed necessary.


This includes but is not limited to, a picture ID (copy of passport, driver’s
licence or national ID card) and a recent utility bill listing your name and
address as proof of residence to the minimum. We reserve the right to suspend
wagering or restrict Account options on any Account until the required
information is received. This procedure is a statutory requirement and is done
in accordance with the applicable gaming regulation and the anti-money
laundering legal requirements. Additionally, you will need to fund your
BAAJIWALA Account using the payment methods set out on the payment section of
our Website.


You must provide complete and accurate information about yourself, inclusive of
a valid name, surname, address and email address, and update such information in
the future to keep it complete and accurate. It is your responsibility to keep
your contact details up to date on your account. Failure to do so may result in
you failing to receive important account related notifications and information
from us, including changes we make to these terms. We identify and communicate
with our Customers via their Registered Email Address. It is the responsibility
of the Customer to maintain an active and unique email account, to provide us
with the correct email address and to advise BAAJIWALA of any changes in their
email address. Each Customer is wholly responsible for maintaining the security
of his Registered Email Address to prevent the use of his Registered Email
Address by any third party. BAAJIWALA shall not be responsible for any damages
or losses deemed or alleged to have resulted from communications between
BAAJIWALA and the Customer using the Registered Email Address. Any Customer not
having an email address reachable by BAAJIWALA will have his Account suspended
until such an address is provided to us. We will immediately suspend your
Account upon written notice to you to this effect if you intentionally provide
false or inaccurate personal information. We may also take legal action against
you for doing so in certain circumstances and/or contact the relevant
authorities who may also take action against you.


You are only allowed to register one Account with the service. Accounts are
subject to immediate closure if it is found that you have multiple Accounts
registered with us.


This includes the use of representatives, relatives, associates, affiliates,
related parties, connected persons and/ or third parties operating on your
behalf.


In order to ensure your financial worthiness and to confirm your identity, we
may use any third party information providers we consider necessary.


You must keep your password for the service confidential. Provided that the
Account information requested has been correctly supplied, we are entitled to
assume that bets, deposits and withdrawals have been made by you. We advise you
to change your password on a regular basis and never disclose it to any third
party. Passwords must contain at least one letter, one number and one special
character and must be at least eight characters long. It is your responsibility
to protect your password and any failure to do so shall be at your sole risk and
expense. You must log out of the Service at the end of each session. If you
believe any of your Account information is being misused by a third party, or
your Account has been hacked into, or your password has been discovered by a
third party, you must notify us immediately.


You must notify us if your registered email Address has been hacked into, we
may, however, require you to provide additional information/ documentation so
that we can verify your identity. We will immediately suspend your Account once
we are aware of such an incident. In the meantime you are responsible for all
activity on your Account including third party access, regardless of whether or
not their access was authorised by you.


You must not at any time transmit any content or other information on the
service to another Customer or any other party by way of a screen capture (or
other similar method), nor display any such information or content in a frame or
in any other manner that is different from how it would appear if such Customer
or third party had typed the URL for the service into the browser line;


When registering, you will be required to choose the currency in which you will
operate your account. This will be the currency of your deposits, withdrawals
and bets placed and matched into the service as set out in these terms. Some
payment methods do not process in all currencies. In such cases a processing
currency will be displayed, along with a conversion calculator available on the
page.


We are under no obligation to open an account for you and our website sign-up
page is merely an invitation to treat. It is entirely within our sole discretion
whether or not to proceed with the opening of an account for you and, should we
refuse to open an Account for you, we are under no obligation to provide you
with a reason for the refusal.


Upon receipt of your application, we may be in touch to request further
information and/ or documentation from you in order for us to comply with our
regulatory and legal obligations.


3. Restricted Use


3.1 You must not use the Service:


if you are under the age of 18 years (or below the age of majority as stipulated
in the laws of the jurisdiction applicable to you) or if you are not legally
able to enter into a binding legal agreement with us;


to collect nicknames, e-mail addresses and/or other information of other
Customers by any means (for example, by sending spam, other types of unsolicited
e-mails or the unauthorised framing of, or linking to, the Service);


to disrupt or unduly affect or influence the activities of other Customers or
the operation of the Service generally;.


to promote unsolicited commercial advertisements, affiliate links, and other
forms of solicitation which may be removed from the Service without notice;.


in any way which, in our reasonable opinion, could be considered as an attempt
to: (i) cheat the Service or another Customer using the Service; or (ii) collude
with any other Customer using the Service in order to obtain a dishonest
advantage;


to scrape our odds or violate any of our Intellectual Property Rights; or.


for any unlawful activity whatsoever.


3.2 You cannot sell or transfer your account to third parties, nor can you
acquire a player account from a third party.


3.3 You may not, in any manner, transfer funds between player accounts.


3.4 We may immediately terminate your Account upon written notice to you if you
use the Service for unauthorised purposes. We may also take legal action against
you for doing so in certain circumstances.


4. Privacy


Any information provided to us by you will be protected and processed in strict
accordance with these Terms and our Privacy Policy.


We will not reveal the identity of any person who places bets using the service
unless the information is lawfully required by competent authorities such as
Regulators, the Police (e.g. to investigate fraud, money laundering or sports
integrity issues), or by Financial Entities such as banks or payment suppliers
or as permitted from time to time pursuant to the Privacy Policy.


Upon registration, your information will be stored in our database. This means
that your personal information may be transferred outside the European Economic
Area (EEA) to jurisdictions that may not provide the same level of protection
and security as applied within the EU or EEA. By agreeing to these Terms you
agree to the transfer of your personal information for the purpose of the
provision of the Service object of this agreement and as further detailed in
our Privacy Policy.


5. Your Account


We accept Accounts in multiple currencies.


We do not give credit for the use of the service.


We may close or suspend an Account and refund any monies held if you are not or
we reasonably believe that you are not complying with these Terms, or to ensure
the integrity or fairness of the Service or if we have other reasonable grounds
to do so. We may not always be able to give you prior notice.


We reserve the right to suspend an account without prior notice and return all
funds. Contractual obligations already matured will however be honoured.


We reserve the right to refuse, restrict, cancel or limit any wager at any time
for whatever reason, including any bet perceived to be placed in a fraudulent
manner in order to circumvent our betting limits and/ or our system regulations.


If we close or suspend your account due to you not complying with these terms,
we may cancel and/or void any of your bets.


If any amount is mistakenly credited to your account it remains our property and
when we become aware of any such mistake, we shall notify you and the amount
will be withdrawn from your Account.


If, for any reason, your account goes overdrawn, you shall be in debt to us for
the amount overdrawn.


You must inform us as soon as you become aware of any errors with respect to
your Account.


Customers have the right to self-exclude themselves from baajiwala.live. These
requests have to be received from the Customer’s Registered Email Address.


Customers may set limitations on the amount they may wager and lose. Such
request has to be sent from the Customer’s Registered Email Address.
Implementation and increasing of limits shall be processed diligently, however,
any request for removing or reducing limitations shall be done after a
cooling-off period of seven days following your request.


You cannot transfer, sell, or pledge Your Account to another person. This
prohibition includes the transfer of any assets of value of any kind, including
but not limited to ownership of accounts, winnings, deposits, bets, rights
and/or claims in connection with these assets, legal, commercial or otherwise.
The prohibition on said transfers also includes however is not limited to the
encumbrance, pledging, assigning, usufruct, trading, brokering, hypothecation
and/or gifting in cooperation with a fiduciary or any other third party,
company, natural or legal individual, foundation and/or association in any way
shape or form.


Should you wish to close your account with us, please send an email from your
Registered Email Address.


6. Deposit of Funds


You may deposit funds into your Account by any of the methods set out on our
Website. All deposits should be made in the same currency as your Account and
any deposits made in any other currency will be converted using the daily
exchange rate obtained from www.oanda.com, or at our own bank’s prevailing
rate of exchange following which your Account will be deposited accordingly.


Fees and charges may apply to customer’s deposits and withdrawals. Any deposit
made to an account which is not rolled over (risked) three times will incur a 3%
processing fee and any applicable withdrawal fee. You are responsible for your
own bank charges that you may incur due to depositing funds with us. Exceptions
to this rule are outlined in our “Payment Options” pages.


BAAJIWALA is not a financial institution and uses a third party electronic
payment processors to process credit and debit card deposits; they are not
processed directly by us. If you deposit funds by either a credit card or a
debit card, your Account will only be credited if we receive an approval and
authorisation code from the payment issuing institution. If your card’s issuer
gives no such authorisation, your account will not be credited with those funds.


Your funds are deposited and held in the respective client account based on the
currency of your account.


We are not a financial institution and you will not be entitled to any interest
on any outstanding account balances and any interest accrued on the client
accounts will be paid to us.


Funds originating from ill-gotten means must not be deposited with us.


7. Withdrawal of Funds


You may withdraw any or all of your account Balance within the transaction
maximums.


All withdrawals must be made in the currency of your account, unless otherwise
stipulated by us.


We reserve the right to request documentation for the purpose of identity
verification prior to granting any withdrawals from your Account. We also
reserve our rights to request this documentation at any time during the lifetime
of your relationship with us.


All withdrawals must be made to the original debit, credit card, bank account,
method of payment used to make the payment to your baajiwala.live Account. We
may, and always at our own discretion, allow you to withdraw to a payment method
from which your original deposit did not originate. This will always be subject
to additional security checks.


Should you wish to withdraw funds but your account is either inaccessible,
dormant, locked or closed, please contact our Customer Service Department


8. Payment Transactions and Processors


You are fully responsible for paying all monies owed to us. You must make all
payments to us in good faith and not attempt to reverse a payment made or take
any action which will cause such payment to be reversed by a third party in
order to avoid a liability legitimately incurred. You will reimburse us for any
charge-backs, denial or reversal of payment you make and any loss suffered by us
as a consequence thereof. We reserve the right to also impose an administration
fee, or currency equivalent per charge-back, denial or reversal of payment you
make.


We reserve the right to use third party electronic payment processors and or
merchant banks to process payments made by you and you agree to be bound by
their terms and conditions providing they are made aware to you and those terms
do not conflict with these Terms.


All transactions made on our site might be checked to prevent money laundering
or terrorism financing activity. Suspicious transactions will be reported to the
relevant authority depending on the jurisdiction governing the transaction.


9. Errors


In the event of an error or malfunction of our system or processes, all bets are
rendered void. You are under an obligation to inform us immediately as soon as
you become aware of any error with the service. In the event of communication or
system errors or bugs or viruses occurring in connection with the service and/or
payments made to you as a result of a defect or effort in the Service, we will
not be liable to you or to any third party for any direct or indirect costs,
expenses, losses or claims arising or resulting from such errors, and we reserve
the right to void all games/bets in question and take any other action to
correct such errors.


In the event of a casino system malfunction, or disconnection issues, all bets
are rendered void. In the event of such error or any system failure or game
error that results in an error in any odds calculation, charges, fees, rake,
bonuses or payout, or any currency conversion as applicable, or other casino
system malfunction (the “Casino Error”), we reserve the right to declare
null and void any wagers or bets that were the subject of such Casino Error and
to take any money from your Account relating to the relevant bets or wagers.


We make every effort to ensure that we do not make errors in posting lines.
However, if as a result of human error or system problems a bet is accepted at
an odd that is: materially different from those available in the general market
at the time the bet was made; or clearly incorrect given the chance of the event
occurring at the time the bet was made then we reserve the right to cancel or
void that wager, or to cancel or void a wager made after an event has started.


We have the right to recover from you any amount overpaid and to adjust your
account to rectify any mistake. An example of such a mistake might be where a
price is incorrect or where we enter a result of an event incorrectly. If there
are insufficient funds in your Account, we may demand that you pay us the
relevant outstanding amount relating to any erroneous bets or wagers.
Accordingly, we reserve the right to cancel, reduce or delete any pending plays,
whether placed with funds resulting from the error or not.





10. General Rules


If a sport-specific rule contradicts a general rule, then the general rule will
not apply.


The winner of an event will be determined on the date of the event’s
settlement; we do not recognise protested or overturned decisions for wagering
purposes. The result of an event suspended after the start of competition will
be decided according to the wagering rules specified for that sport by us.


All results posted shall be final after 72 hours and no queries will be
entertained after that period of time. Within 72 hours after results are posted,
the company will only reset/correct the results due to human error, system error
or mistakes made by the referring results source.


Minimum and maximum wager amounts on all sporting events will be determined by
us and are subject to change without prior written notice. We also reserve the
right to adjust limits on individual Accounts as well.


Customers are solely responsible for their own account transactions. Please be
sure to review your wagers for any mistakes before sending them in. Once a
transaction is complete, it cannot be changed. We do not take responsibility for
missing or duplicate wagers made by the Customer and will not entertain
discrepancy requests because a play is missing or duplicated. Customers may
review their transactions in the My Account section of the site after each
session to ensure all requested wagers were accepted.


For a wager to have action on any named contestant in a Yes/No Proposition, the
contestant must enter and compete in the event.


We attempt to follow the normal conventions to indicate home and away teams by
indicating the home and away team by means of vertical placement on the desktop
site version. This means in American Sports we would place the home team on the
bottom. For Non-US sports, we would indicate the home team on top. In the case
of a neutral venue, we attempt to include the letter “N” next to the team
names to indicate this. For the Asian and mobile versions, we do not distinguish
between European and American Sports. On the Asian and mobile versions of the
site, the home team is always listed first. However, we do not guarantee the
accuracy of this information and unless there is an official venue change
subsequent to bets being placed, all wagers have action.


A game/match will have action regardless of the League heading that is
associated with the matchup. For example, two teams from the same League are
playing in a Cup competition. If the matchup is mistakenly placed in the League
offering, the game/match will still have action, as long as the matchup is
correct. In other words, a matchup will have action as long as the two teams are
correct, and regardless of the League header in which it is placed on our
Website.


If an event is not played on the same date as announced by the governing body,
then all wagers on the event have no action. If an event is posted by us, with
an incorrect date, all wagers have action based on the date announced by the
governing body.


BAAJIWALA reserves the right to remove events, markets and any other product
from the website.


BAAJIWALA eserves the right to restrict the casino access of any player without
prior notice.


In all futures wagering (for example, total season wins, Super Bowl winner,
etc.), the winner as determined by the Governing Body will also be declared the
winner for betting purposes except when the minimum number of games required for
the future to have “action” has not been completed.


11. Communications and Notices


All communications and notices to be given under these terms by you to us


All communications and notices to be given under these terms by us to you shall,
unless otherwise specified in these terms, be either posted on the Website
and/or sent to the Registered Email Address we hold on our system for the
relevant Customer. The method of such communication shall be in our sole and
exclusive discretion.


All communications and notices to be given under these terms by either you or us
shall be in writing in the English language when the service is not operated by
BAAJIWALA, and must be given to and from the Registered Email Address in your
Account.


12. Matters Beyond Our Control


We cannot be held liable for any failure or delay in providing the service due
to an event of Force Majeure which could reasonably be considered to be outside
our control despite our execution of reasonable preventative measures such as:
an act of God; trade or labour dispute; power cut; act, failure or omission of
any government or authority; obstruction or failure of telecommunication
services; or any other delay or failure caused by a third party, and we will not
be liable for any resulting loss or damage that you may suffer. In such an
event, we reserve the right to cancel or suspend the Service without incurring
any liability.


13. Liability


TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT COMPENSATE YOU FOR ANY
REASONABLY FORESEEABLE LOSS OR DAMAGE (EITHER DIRECT OR INDIRECT) YOU MAY SUFFER
IF WE FAIL TO CARRY OUT OUR OBLIGATIONS UNDER THESE TERMS UNLESS WE BREACH ANY
DUTIES IMPOSED ON US BY LAW (INCLUDING IF WE CAUSE DEATH OR PERSONAL INJURY BY
OUR NEGLIGENCE) IN WHICH CASE WE SHALL NOT BE LIABLE TO YOU IF THAT FAILURE IS
ATTRIBUTED TO


(I) YOUR OWN FAULT;


(II) A THIRD PARTY UNCONNECTED WITH OUR PERFORMANCE OF THESE TERMS (FOR INSTANCE
PROBLEMS DUE TO COMMUNICATIONS NETWORK PERFORMANCE, CONGESTION, AND CONNECTIVITY
OR THE PERFORMANCE OF YOUR COMPUTER EQUIPMENT); OR(III) ANY OTHER EVENTS WHICH
NEITHER WE NOR OUR SUPPLIERS COULD HAVE FORESEEN OR FORESTALLED EVEN IF WE OR
THEY HAD TAKEN REASONABLE CARE. AS THIS SERVICE IS FOR CONSUMER USE ONLY WE WILL
NOT BE LIABLE FOR ANY BUSINESS LOSSES OF ANY KIND.


IN THE EVENT THAT WE ARE HELD LIABLE FOR ANY EVENT UNDER THESE TERMS, OUR TOTAL
AGGREGATE LIABILITY TO YOU UNDER OR IN CONNECTION WITH THESE TERMS SHALL NOT
EXCEED


(A) THE VALUE OF THE BETS AND OR WAGERS YOU PLACED VIA YOUR ACCOUNT IN RESPECT
OF THE RELEVANT BET/WAGER OR PRODUCT THAT GAVE RISE TO THE RELEVANT LIABILITY,
OR


(B) EUR €500 IN AGGREGATE, WHICHEVER IS LOWER.


WE STRONGLY RECOMMEND THAT YOU (I) TAKE CARE TO VERIFY THE SUITABILITY AND
COMPATIBILITY OF THE SERVICE WITH YOUR OWN COMPUTER EQUIPMENT PRIOR TO USE;
AND(II) TAKE REASONABLE PRECAUTIONS TO PROTECT YOURSELF AGAINST HARMFUL PROGRAMS
OR DEVICES INCLUDING THROUGH INSTALLATION OF ANTI-VIRUS SOFTWARE.


14. Gambling By Those Under Age


If we suspect that you are or receive notification that you are currently under
18 years or were under 18 years (or below the age of majority as stipulated in
the laws of the jurisdiction applicable to you) when you placed any bets through
the service your account will be suspended to prevent you placing any further
bets or making any withdrawals from your account. We will then investigate the
matter, including whether you have been betting as an agent for, or otherwise on
behalf, of a person under 18 years (or below the age of majority as stipulated
in the laws of the jurisdiction applicable to you). If having found that you:
(a) are currently; (b) were under 18 years or below the majority age which
applies to you at the relevant time; or © have been betting as an agent for or
at the behest of a person under 18 years or below the majority age which
applies:


i. all winnings currently or due to be credited to your account will be
retained;


ii. all winnings gained from betting through the service whilst under age must
be paid to us on demand (if you fail to comply with this provision we will seek
to recover all costs associated with recovery of such sums); and/or


iii. any monies deposited in your baajiwala.live account which are not winnings
will be returned to you.


This condition also applies to you if you are over the age of 18 years but you
are placing your bets within a jurisdiction which specifies a higher age than 18
years for legal betting and you are below that legal minimum age in that
jurisdiction.


In the event we suspect you are in breach of the provisions of this Clause 15 or
are attempting to rely on them for a fraudulent purpose, we reserve the right to
take any action necessary in order to investigate the matter, including
informing the relevant law enforcement agencies.





15. Anti Money-Laundering and KYC Policy


It is the policy of BAAJIWALA to actively prevent the services of the firm being
used to facilitate financial crime, money laundering and terrorist financing.


Strict compliance with all applicable regulations will also protect the senior
management and staff of the firm, as individuals, from the risks of breaches of
the law, regulations, and supervisory requirements, and to preserve the
reputation of the BAAJIWALA against the damage that could be caused by being
implicated in money laundering and terrorist financing activities.


To achieve these objectives, it is the policy of this firm that:


• Every staff member shall meet their personal obligations as appropriate to
their role and responsibilities;


• Commercial considerations cannot take precedence over BAAJIWALA anti-money
laundering commitment;


• The firm shall appoint a Money Laundering Reporting Officer/Nominated
Officer (“MLRO”), and a deputy to cover in their absence, and they shall be
afforded every assistance and cooperation by all members of staff in carrying
out their duties and responsibilities. The deputy will be the Director Chief
Executive Officer (CEO).


BAAJIWALA will strictly comply with all applicable AML/CFT rules and regulations
with specific emphasis on:


• A culture of compliance to be adopted and promulgated throughout the firm
towards the prevention of financial crime;


• A commitment to ensuring that customer’s identities will be satisfactorily
verified at required thresholds;


• A commitment to “knowing its customer” appropriately - both at
acceptance and throughout the business relationship - through taking appropriate
steps to verify the customer’s identity and monitoring their use BAAJIWALA
services;


• A commitment to ensuring that staff are trained and made aware of the law
and their obligations under it, and to establishing procedures to implement
these requirements; and


• Recognition of the importance of staff promptly reporting their suspicions
internally:


At the heart of our policies, procedures and controls, and consistent with FATF
Recommendation 1, is the risk-based approach. The risk-based approach means that
we focus our resources on the areas of greatest risk.


Our policies, procedures and internal controls are designed to ensure compliance
with all applicable anti-money laundering and anti-terrorist financing
regulations and regulatory guidelines and will be reviewed and updated on a
regular basis to ensure appropriate policies, procedures and internal controls
are in place to account for both changes in regulations and changes in our
business.





15.1 Money Laundering and Terrorism Financing


Money Laundering means:


a. The conversion or transfer of property, knowing that such property is derived
from criminal activity or from an act of participation in such activity, for the
purpose of concealing or disguising the illicit origin of the property or of
assisting any person who is involved in the commission of such an activity to
evade the legal consequences of that person's action;


b. The concealment or disguise of the true nature, source, location,
disposition, movement, rights with respect to, or ownership of, property,
knowing that such property is derived from criminal activity or from an act of
participation in such an activity;


c. The acquisition, possession or use of property, knowing, at the time of
receipt, that such property was derived from criminal activity or from an act of
participation in such an activity;


d. Participation in, association to commit, attempts to commit and aiding,
abetting, facilitating and counselling the commission of any of the actions
referred to in points (a), (b) and (c).


Money laundering shall be regarded as such even where the activities which
generated the property to be laundered were carried out in the territory of
another Member State or in that of a third country.


Terrorism financing means the provision or collection of funds, by any means,
directly or indirectly, with the intention that they be used or in the knowledge
that they are to be used, in full or in part, in order to carry out any
terrorist act.





15.2 Organization of the AML/CFT function


15.2.1 Senior Management


Senior Management are responsible for the overall compliance policy of BAAJIWALA
and ensuring adequate resources are provided for the proper training of staff
and the implementing of risk systems. This includes computer software to assist
in oversight. Senior management will receive and consider the monthly compliance
reports sent by the MLRO and authorise changes based on the recommendations if
required.


Senior Management consists of the Board of Directors, the Executive Management
Committee and the MLRO.


15.2.2 The Nominated Officer/Money Laundering Reporting Officer


Responsible for receiving internal disclosures and making reports to the Gaming
Control Board, Belize. First point of contact for all compliance issues from
staff. Prepares monthly report for consideration of senior management and
conducts risk assessments of compliance systems. Undertakes regular random
analysis of transactions including assessment of documentary evidence provided
by customers. Assists in making any necessary amendments to AML Policy in line
with risk assessment. Ensures everyone is periodically informed of any changes
in anti- money laundering or anti-terrorist financing legislation, policies and
procedures, as well as current developments and changes in money laundering or
terrorist activity financing schemes particular to their jobs. Reviews customer
identification information to ensure that all the necessary information has been
obtained. Establishes and implement the risk scoring matrix following regulatory
guidance and for review and approval by Senior Management.


15.2.3 Staff


Responsible for knowing the AML Compliance Policy and understanding
responsibilities. Ensure company procedures are adhered to and obtaining all
documentary evidence as outlined within the manual. Ensure that all suspicious
and unusual activity is reported to the MLRO.


15.3 The Compliance Programme


5.1 The Money Laundering Reporting Officer (MLRO)


BAAJIWALA has appointed a MLRO with full responsibility for BAAJIWALA’s
anti-money laundering compliance.


The MLRO:


• Will monitor the day-to-day operation of BAAJIWALA TRADING’s AML/CFT
policies and respond to any reasonable request made by the law enforcement
and/or the Gaming Control Board, Belize.


• Has the authority to act independently in carrying out their
responsibilities, which includes direct access to the Gaming Control Board,
Belize and appropriate law enforcement agencies, in order that any suspicious
activity may be reported to the right quarter as soon as is practicable.


• Has the authority and the resources necessary to discharge their
responsibilities effectively.


• Is from a senior level and has direct access to senior management and the
board of directors.


• May choose to delegate certain duties to other employees, but wherever such
a delegation is made, the MLRO retains ultimate responsibility for the
implementation of the compliance regime.


• At least annually, the MLRO will issue a report (the MLRO Report) to the
senior management of BAAJIWALA on the operation and effectiveness of the money
laundering controls. This report will cover improvements, remedial programmes,
the outcome of any internal audit reviews of the AML/CFT processes, and other
relevant items.





15.4 Compliance Policies and Procedures


BAAJIWALA has policies and procedures to assess the risks related to money
laundering and terrorist financing. These policies and procedures are:


• Written and maintained by the MLRO under the supervision of senior
management


• Approved by senior management


• Communicated, understood and adhered to by everyone dealing with customers
or their transactions, including those who work in the areas relating to
customer identification, record keeping, and reportable transactions, who need
enough information to process and complete a transaction properly as well as to
ascertain the identity of customers and keep records as required.


• Policies and procedures which incorporate the reporting, record keeping,
customer identification, risk assessment and risk mitigation requirements
applicable.


Although directors and senior officers may not be involved in day-to-day
compliance, they need to understand the statutory duties placed upon them, their
staff and BAAJIWALA itself.





15.4.1 The Risk-Based Approach


In money laundering and terrorist financing, a risk-based approach covers the
following:


• The risk assessment of customer relationships and business activities;


• The risk mitigation to implement controls to handle identified risks;


• Keeping customer identification, beneficial ownership and business
relationship information up to date; and


• The ongoing monitoring of business relationships and transactions.





Existing regulatory obligations, such as for customer identification, are a
minimum baseline requirement. Where enhanced due diligence is appropriate, a
principle of the risk-based approach is to focus resources where they are most
needed to manage risks within our tolerance level.


15.4.2 Risk Mitigation


Risk mitigation is implementing controls to limit the potential money laundering
and terrorist financing risks identified in the risk assessment so as to stay
within the risk tolerance level. When the risk assessment determines that risk
is high for money laundering or terrorist financing, then we will develop risk
mitigation strategies and apply them.


In all situations, risk mitigation controls and measures include:


• Focussing on operations (products and services, customers and business
relationships, geographic locations, and any other relevant factors) that are
more vulnerable to abuse by money launderers and criminals;


• Informing senior management of compliance initiatives, identified compliance
deficiencies, corrective action taken, and suspicious transaction reports filed;


• Providing for program continuity despite changes in management, employees or
structure;


• Focussing on meeting all regulatory record keeping and reporting
requirements, recommendations for anti-money laundering and anti-terrorist
financing compliance and providing for timely updates in response to changes in
requirements;


• Enabling the timely identification of reportable transactions and ensure
accurate filing of required reports;


• Incorporating anti-money laundering and anti-terrorist financing compliance
into job descriptions and performance evaluations of appropriate personnel; and


• Providing for adequate supervision and training of employees that handle
currency transactions, complete reports, monitor for suspicious transactions, or
engage in any other activity that forms part of the anti-money laundering and
anti-terrorist financing program.


• Increasing awareness of high risk situations within all business lines;


• Increasing the frequency of ongoing monitoring of transactions or business
relationships;


• Escalating the approval of the establishment of an account or relationship
even if not otherwise required to do so;


• Increasing the levels of ongoing controls and reviews of relationships;


• Requesting high-risk customers provide additional, documented information
regarding controls they have implemented to safeguard their operations from
abuse by money launderers and terrorists;


• Verifying the identity of customers by reference to reliable, independent
source documents, data or information;


• Preventing any transaction with a potential customer until identification
and account opening information has been obtained;


• Implementing an appropriate process to approve all relationships identified
as high-risk as part of the customer acceptance process or declining to do
business with potential customers because they exceed BAAJIWALA’s risk
tolerance level;


• Implementing a process to exit from an existing high-risk relationship which
management sees as exceeding BAAJIWALA’s risk tolerance level.


15.4.3 Risk Assessment


BAAJIWALA is required to and will analyse potential threats and vulnerabilities
to money laundering and terrorist financing to which the business may be exposed
to in a risk assessment.


The risk assessment will document and consider the following:


• Products, services and delivery channels


• Geographic locations and areas of operation


• Customers


The risk assessment may identify high-risk situations for which risk mitigation
controls and monitoring may be required. The risk assessment is not static and
will change over time.


When a customer is identified as high-risk, they are subject to more frequent
ongoing monitoring and updating of customer identification information, as well
as any other appropriate enhanced measures.


BAAJIWALA shall perform an initial risk assessment at the beginning of a new
customer relationship and for existing customers on an ongoing basis.


15.5 Client and Business Risk


15.5.1 Products, Services and Delivery Channels


BAAJIWALA will identify products and services or combinations of them that may
pose an elevated risk of money laundering or terrorist financing. For example,
products and services that support the movement and conversion of assets into,
through and out of the financial system pose a high risk. Certain services have
also been identified by financial regulators, governmental authorities or other
credible sources as being potentially high-risk for money laundering or
terrorist financing.


• Wire transactions;


• Transactions involving third parties;


• Non-face-to-face business relationships.


15.5.2 Geographic Locations and Areas of Operation


Certain geographic locations potentially pose an elevated risk for money
laundering and terrorist financing. These have been described by the FATF and by
other resources such as Transparency International.


Clients from, or identified as linked to these countries will be regarded as
high risk:


• Any country subject to sanctions, embargoes, or similar measures;


• Any country identified by credible sources as providing funding or support
for terrorist activities, or that have designated terrorist organisations
operating within their country;


• Any country known to be a tax haven, source of narcotics or other
significant criminal activity;


• Any country identified by the Financial Action Task Force (FATF) as
non-cooperative in the fight against money laundering or terrorist financing or
subject to a FATF statement;


• Any country identified by credible sources as lacking appropriate money
laundering or terrorist financing laws and regulations, or as having significant
levels of corruption.


BAAJIWALA does not do business with or provide services to anyone in any country
belonging to a list of select countries subject to comprehensive international
sanctions.


15.5.3 Customer Relationships


The risk assessment requires to know your customers (“KYC”). This is not
limited to identification or record keeping, but it is also about understanding
the customers – including their activities, transaction patterns, and how they
operate.


Examples of the factors that will be considered are:


• How long we have known the customer and had a business relationship;


• Customers wanting to carry out large transactions;


• Customers with regulatory or enforcement issues;


• Customers with multiple online complaints;


• Customers whose identification is difficult to verify;


• Customers whose who are politically exposed.





Each customer is risk-rated as either posing a low, medium or high risk of money
laundering and/or terrorist financing. The rating given at the beginning of the
business relationship may be adjusted after the re-assessment and may change
over time. The level of customer due diligence will vary depending on the risk
rating of the customer at the beginning of the relationship and as it changes.
For all high-risk players, enhanced due diligence is applied right away.


15.5.4 Regulatory risk


Regulatory risk means not meeting our obligations under applicable legislation.
Examples of breaches of regulatory obligations include:


• Customer identification not done properly;


• Failure to train staff adequately;


• Bot having an anti-money laundering and anti-terrorist financing (AML/CFT)
program;


• Failure to report suspicious transactions;


• Not having an MLRO;


• Failing to keep complete customer records.


15.5 Compliance Training


BAAJIWALA has a training program for all relevant employees and other
individuals who act on behalf of the Company. The goal of this training is to
make sure that those who have contact with customers, who see customer
transaction activity or who handle funds in any way understand the reporting,
customer identification and record keeping requirements.


All new employees of BAAJIWALA are required to complete anti-money laundering
and terrorist financing compliance training within their first three months of
employment, and for customer-facing staff training is delivered prior to dealing
with customers.


Training is currently conducted through a customised course. The training
program is delivered electronically (via a learning management system). The
training program is reviewed and updated by the MLRO to reflect requirements as
they change. The compliance training includes a test which everyone must pass in
order to consider their training complete.


To ensure employee training is kept up to date, all existing employees will
receive follow up training on new and existing AML and regulatory requirements
on a regular basis (at least within one year of their last training). If the
online training test results show that a staff member does not understanding the
training material, BAAJIWALA will ensure that the staff member receives
specialised one-on-one training to understand the material.


An employee log of assigned and completed training materials is kept by the MLRO
and the Human Resources department for administrative purposes. Retention of
these records is for a period of five years.


Compliance training is adjusted in accordance to the employee’s role within
the company. The MLRO will review functions and arrange to provide suitable and
customised training.


Our training will include at a minimum:


• An understanding of the reporting, customer identification and record
keeping requirements as well as penalties for not meeting those requirements;


• Making all employees aware of the internal policies and procedures for
deterring and detecting money laundering and terrorist financing that are
associated with their jobs;


• Delivering to employees and suppliers a clear understanding of their
responsibilities under these policies and procedures;


• All those who have contact with customers, who see customer transaction
activity, who handle cash or funds in any way or who are responsible for
implementing or overseeing the compliance regime must understand the reporting,
customer identification and record keeping requirements.


• Making all employees aware of how BAAJIWALA is vulnerable to abuse by
criminals laundering the proceeds of crime or by terrorists financing their
activities;


• Making all employees and agents aware that they cannot disclose that they
have made a suspicious transaction report, or disclose the contents of such a
report, with the intent to prejudice a criminal investigation, whether it has
started or not;


• That all employees and agents understanding that no criminal or civil
proceedings may be brought against them for making a report in good faith;


• Background information on money laundering so everyone who needs to can
understand what money laundering is, why criminals choose to launder money and
how the process usually works;


• Details of what terrorist financing is and how that process usually works.


The MLRO is responsible for ensuring that everyone is informed of changes in
anti-money laundering or anti-terrorist financing legislation, policies and
procedures, and current developments in money laundering or terrorist activity
financing schemes particularly relevant to their jobs.


Certain employees, such as those in compliance, customer services and
operations, require types of specialised additional training which will be
provided either through external services or internally. The training program is
reviewed and updated to reflect changes in requirements.


15.6. Minimum standards – KYC POLICY


BAAJIWALA has established standards regarding Know-Your-Customer (“KYC”).
These standards require due diligence on each prospective customer before
entering into a business relationship via identification and verification of his
identity and, as the case may be, his representatives and beneficial owners on
the basis of documents, data or information obtained from a reliable and
independent source compliant with the domestic and European AML/CFT legislation
and regulation.


Interpretation of the KYC principle begins with identification of the customer
by means of the necessary identification documents.


That identification, completed by other information gathered, enables the
Customer Acceptance Policy to be applied.


In addition to these objective criteria, there are subjective elements which may
arouse suspicions regarding a customer and to which particular attention should
be paid.


Finally, as KYC does not involve static data, but dynamic data through the
relationship with the customer, it also needs follow-up and ongoing monitoring
of the customer.


15.6.1. Customer identification and verification (KYC)


The formal identification of customers on entry into commercial relations is a
vital element, both for the regulations relating to money laundering and for the
KYC policy.


This identification relies on the following fundamental principles :


- Each customer (= each individual person and/or each person involved in the
case of a legal entity) must be identified by means of original supporting
documents.


- These documents will be recorded in a centralised system.


- The identification must be completed by "face-to-face" contact.


- Distance identification is also authorised and possible within a dedicated
acceptance process, but limits the opportunity to carry out certain transactions
or to access certain products.


- Each person identified must be registered by IT means.


- A person will not be accepted as a customer if the identification process
proves to be incomplete.


The specific case of the due diligence exercised on the acceptance of
politically exposed persons (PEP).


Concrete application at BAAJIWALA is reflected by a specific identification
procedure for customers referenced as PEP, whatever their place of residence.


15.6.2. Risk Profile calculation


To assist in determining the level of AML/CFT due diligence to be exercised with
regard to the Customer, a “Compliance” risk profile is calculated first of
all on entry into relations (Low, Medium, High), and is then recalculated daily.


15.6.3. Customer acceptance policy


15.6.3.1. Customer Identification


Client Identification is intended to confirm the existence and identify the
individual with which BAAJIWALA has a business relationship and obtain
supporting identity information. This includes measures to:


• Confirm the existence of the individual through identification documents;


• Conduct due diligence into the identity of the customer including:


• Cross-referencing customer names against government watch lists;


• Determining whether the customers are politically exposed persons;


• Determining whether any third parties are involved;


• Reviewing relevant publicly available information on the customer (e.g.
adverse media, social media);


• Reviewing their background, reputation;


• Keep records of all information and documents obtained.


15.6.3.2. Identifying Information for Customers


This section sets out the standard identification requirements for individuals
who have entered into a business relationship with BAAJIWALA. This outline is
likely to be sufficient for most situations. If, however, the customer is
assessed as presenting a higher money laundering or terrorist financing risk, in
line with our identified risk matrix, then BAAJIWALA requires additional
identity information to be provided and increase the level or verification
accordingly.


Where the result of the standard verification check gives rise to concern or
uncertainty over identity, the number of matches that will be required to be
reasonably satisfied as to the individual’s identity will increase. Any
concerns must be reported to the MLRO.


If a customer is unable to produce a primary ID, the reasons for this should be
noted and they may not be able to maintain an account.


All documentary evidence must be recent.


• Passports and drivers’ licenses should be valid and not expired


• Utility bills should be dated within the last 3 months


In terms of beneficial ownership, we will ask every customer whether they are
acting in their own capacity or on behalf of another person. If they are acting
for another person then we will require details of such.


Sources of evidence


Proof of Identity - Acceptable photo identity:


• Valid passport; or


• Valid photo card driving licence (full or provisional); or


• National identity card (non-UK nationals issued by EEA member states and
Switzerland);


or


• Identity card issued by the Electoral Office for Northern Ireland


Proof of Identity - Acceptable non-photo evidence of identity:


Documents issued by a government department, incorporating the person’s name
and residential address or their date of birth. E.g. (for proof of address or
date of birth):


• Instrument of a court appointment (such as a grant of probate, bankruptcy);
or


• Current council tax demand letter or statement; or


• Current (within the last 3 months) bank statements, or credit/debit card
statements issued by a regulated financial sector firm in the UK, EU or
equivalent jurisdiction; or


• A recent (last available) utility bill (gas, water, electricity, telephone);
it must be a bill or statement of account (not correspondence); statements
printed off the internet are not acceptable on their own (a secondary check will
be required such as a reference to a telephone directory including an online
telephone directory); or


• Valid photo card driving licence (full or provisional); or


• A solicitor’s letter confirming recent house purchase or land previous
address.


When accepting evidence of identity from a customer, it is important that we
make sufficient checks on the evidence provided to satisfy us of the
customer’s identity, and that we keep a record of the checks made. This will
be done by the MLRO or under the supervision of the MLRO.


Usual checks on photo ID may include:


Likeness against the customer


• Does the date of birth on the evidence match the apparent age of the
customer?


• Is the ID valid?


• Is the spelling of names the same as other documents provided by the
customer?


Checks on secondary evidence of ID may include:


• Do the addresses match the address given on the photo ID?


• Does the name of the customer match with the name on the photo ID?


15.6.3.3. Identity Verification Triggers


Verification of the identity of the customer occurs either when the customer has
reached the €2,000 threshold or if the player is considered to be a high-risk
player upon registration. The main trigger for Identity Verification is
considered a single transaction (or smaller, linked transactions) that reach or
exceed €2,000 either at deposit or withdrawal stage. For example, transactions
will be considered as linked when they are carried out by the same customer
during a single period of being logged on to the BAAJIWALA website or if they
are carried out in 48 hours.


In all cases, the customer will receive a notification to upload identity
verification documents listed above. Each document that is provided by customers
to BAAJIWALA is checked manually by dedicated staff.


Further events that may trigger Identity Verification processes:


• When a customer requests a withdrawal to a different account than one that
was used to make a deposit (e.g. due to the fact that certain payment service
providers do not support incoming payments or other reasons). In these cases,
the withdrawal requests will be immediately deducted from the customer’s
account, however, will not be processed until the customer’s identity has been
verified to ensure that the funds are going to the right person;


• When a customer makes multiple deposits within a short timeframe (five or
more deposits in one hour);


• Staff identifies suspicious deposit patterns and or several payment cards
are used (three or more different payment methods used within one week);


• Registration country and IP do not match – In such cases, the player
account may not be blocked and the player may still make deposits and play
games, however, no withdrawal will be allowed until verification has been
carried out;


• When a deposit exceeds €5,000.


Copies will be kept of all the documents used for identification.


15.6.3.4. Additional Documents


Additional documents may be requested from customers to substantiate their
activities or to better understand their patters:


• Proof of Bank Account – This may be a screenshot or copy of the bank
statement stating the customer’s name and IBAN and the name of the bank (for
instances when a customer requests a withdrawal to be deposited to a bank
account);


• Proof of Payment Card – This may be a photo or copy of the front side of
the card in question or a bank statement that will include both the card details
and the name of the customer (for instances when suspicious deposit patters are
identified) –


• To protect the customer’s card data, BAAJIWALA informs them that they may
obfuscate some of the card details, however, the customer’s name, as well as
the first and last four digits of the card number must be visible.


• Bank Statements and Payslips – These may be requested from customers
displaying potentially problematic gambling patterns and when external
information available on the customer does not validate the amounts being
gambled. In such cases BAAJIWALA would ask its higher volume customers for
documents which would support the funds being spent on gambling.





15.6.3.5. Mitigation of Impersonation Risk


Various additional customer identity checks are permitted on a risk-based
approach. These checks may include:


• Requiring the first payment to be carried out through an account in the
customer’s name with an EU/EEA regulated credit institution or one from an
equivalent jurisdiction;


• Verifying additional aspects of the customer’s identity, or of their
electronic ‘footprint’;


• Telephone contact with the customer prior to opening the account on a home
or business number which has been verified (electronically or otherwise) or a
call to the customer before further transactions are permitted, using it to
verify additional aspects of personal identity information that have been
previously provided during the setting up of the account;


15.6.3.6. Keeping Information Up-to-Date


Once the identity of a customer has been confirmed, it does not have to be
confirmed again. However, if there is any doubt about the information held, then
that identification will be obtained again, including the identification of the
customer.


BAAJIWALA may review the customer documentation and then update it as
appropriate. Any changes to identification such as a change of name of the
customer would require new documents to be obtained.


15.6.4. Ongoing transaction monitoring


There are certain automated controls in place to monitor customer activities,
for example:


• First time deposits;


• Cash-out alerts for cash-outs greater than €1,000;


• Activity alerts when customer pays to, or stakes with the casino €2,000
during any period of 24 hours;


• Credit Card BIN alerts (when Credit Card country differs from player account
country/IP);


In addition, all cash-out requests are processed manually by the Payments Team
and are reviewed on a daily basis. Every request undergoes security checks
before approval in order to determine that the origin of the funds/wins is
compliant with the Gaming Control Board Belize Policy and the terms and
conditions of the Company.


15.7. Organization of internal control


Any member of BAAJIWALA can report suspicious activities to the MLRO, as
BAAJIWALA’s Nominated Officer. A suspicious activity is one where it is known,
or suspected, there are reasonably grounds to know or suspect that a person is
engaged in, or attempting, money laundering or terrorist financing.





15.7.1. Suspicious transactions reporting


Having knowledge means knowing something to be true. Knowledge can be inferred
from the surrounding circumstances; so, for example, a failure to ask obvious
questions may imply knowledge. The knowledge must, however, have come to
BAAJIWALA during the course of business, or from a disclosure (to the MLRO).


Suspicion is more subjective and falls short of proof based on firm evidence.
Suspicion is more than speculation and is based on some foundation.


An unusual transaction is not necessarily suspicious. Unusual patterns of
gambling, including the spending of particularly large amounts of money in
relation to the casino or customer’s profile, should receive attention, but
unusual behaviour should not necessarily lead to grounds for knowledge or
suspicion of money laundering, or the making of a report to the FIAU. The MLRO
is required to assess all of the circumstances and, in some cases, it may be
helpful to ask the customer or others more questions. The choice depends on what
is already known about the customer and the transaction, and how easy it is to
make enquiries.


Members of staff who consider a transaction or activity to be suspicious, would
not necessarily be expected to know or to establish the exact nature of any
underlying criminal offence, or that the particular funds or property were those
arising from a crime, money laundering or terrorist financing. “Reasonable
grounds to know or suspect” introduces an objective test of suspicion. The
test is likely to be met when there are facts or circumstances, known to the
member of staff, from which a reasonable person (in a payments firm) would have
inferred knowledge, or formed the suspicion, that another person was engaged in
money laundering or terrorist financing.


A defence of failing to meet the test of suspicion, would be for staff to
demonstrate that they took reasonable steps to know the customer and the
rationale for the transaction, activity or instruction.


15.7.2 How to Make a Suspicious Activity Report


Any member of staff, who is suspicious that a transaction may involve money
laundering or who becomes aware during the course of their work that someone
else is involved in money laundering, must make a disclosure to the MLRO using
the BAAJIWALA Suspicious Transaction Report form.


Once completed, the form should be printed off. The member of staff making the
report must sign and date the form before giving it to the MLRO. The MLRO will
take note of the date and time of report receipt.


Upon receipt of the form by the MLRO, they will then decide what is to be done
as a result of the report, e.g., whether the matter must be reported to Gaming
Control board, Belize. or not, or further enquiries made and record its decision
and the reason for it in the customer files. The member of staff concerned must
be informed of the decision and the reasons for it.


If the matter is to be referred to GCB, the MLRO or a subordinate will complete
the FIAU report form and discussing with the reporting member of staff how
matters with the customer are to be conducted from that stage. The GCB report
form must be signed off by the MLRO or the CEO.


BAAJIWALA must not proceed with a transaction whilst we await consent from the
concerned from GCB it is given 7 working days (not including weekends or bank
holidays) to consider the report.


If we hear nothing then we may continue with the transaction but not inform the
customer about the report. GCB may give consent to proceed earlier than this
time limit. They may also refuse consent in which case they have a further 31
calendar days (including weekends or bank holidays) to further consider the
report. After this they must either begin proceedings or allow the transaction
to continue.


The MLRO will submit a softcopy version of the report to the GCB. Any paper file
for each matter will be kept by the MLRO.


There must be no record on the customer file or on the computer system which
refers in any way to suspicious activity reporting, money laundering, etc., to
avoid the risk of tipping off. It is a criminal offence to inform a customer
that a SAR has been submitted, or to inform them of an investigation into their
affairs.


All records of SARs will be kept in the central reporting file, which is kept by
the MLRO.


15.7.3 How to Identify Suspicious Activity


Transactions may give reasonable grounds to suspect that they are related to
money laundering or terrorist activity financing regardless of the sum of money
involved. There is no monetary threshold for making a SAR. Suspicious
transactions may involve several factors that on their own seem insignificant,
but together raise suspicion that the transaction is related to the commission
or attempted commission of a money laundering or terrorist activity financing
offence, or both. As a general guide, a transaction may be connected to money
laundering or terrorist activity financing when we think that it (or a group of
transactions) raises questions or gives rise to discomfort, apprehension or
mistrust.


BAAJIWALA will examine, as far as reasonably possible, the background and
purpose of all complex, unusual large transactions, and all unusual patterns of
transactions, which have no apparent economic or lawful purpose.


The context in which the transaction occurs or is attempted is a significant
factor in assessing suspicion and this will vary from one customer to another.


Transactions will be evaluated in terms of what seems appropriate and is within
normal practices in business and based on our knowledge of the customer. The
fact that transactions do not appear to be in keeping with normal industry
practices may be a relevant factor.


Reasonable evaluation of relevant factors, including the knowledge of the
customer's business, financial history, background and behaviour is the basis of
assessing suspicion. Behaviour is suspicious, not people. We have listed below
some indicators to help with this assessment.


15.7.4 Indicators of Suspicious Transactions


Certain products, services, activities or channels may pose a higher risk of
misuse for money laundering. Listed below are several anti-money laundering risk
indicators or “red flags” that might be grounds for suspicion. The list is
not exhaustive and not conclusive but will be used as a guide for inquiry and
follow-up, alongside other material.


A single indicator does not necessarily indicate reasonable grounds to suspect
money laundering or terrorist financing activity. However, if several indicators
are present during one or a series of transactions, then we will take a closer
look at other factors before deciding whether the transaction must be reported.


In the case of a transaction aborted in the belief that the property is owned or
controlled by or on behalf of a terrorist or a terrorist group, then there must
be a terrorist property report. If there are reasonable grounds to suspect that
the transaction is related to an attempted commission of a terrorist activity
financing or money laundering offence, then a suspicious transaction report
about the attempted transaction is also required.


Becoming aware of certain indicators could trigger reasonable grounds to suspect
that one or more transactions from the past (that had not previously seemed
suspicious) were related to money laundering or terrorist financing.


15.7.4.1 Application and Identification


• Information mismatch from application


• Application information/address/customer differs from initial registration


• Inability to provide government issued identification details


• Change of address to high-fraud area or to problematic jurisdiction, shortly
after the application


• Lack of reliable third party and/or governmental verification of individual


• The address indicated (or corroborated) is identified as mail drop or other
high-risk address, as opposed to a physical street address


• Transaction volume, deposits, and cash-outs are inconsistent


15.7.4.2 Account Settlement


• Large, cross-border wire transfer payments


• Settlements/partial settlements from unrelated third parties


• Excessive/ongoing large credit refunds


15.7.4.3 Transaction and Customer Monitoring


• Stakes wagered by a customer become unusually high or out of the ordinary
and the customer is believed to be spending beyond his or her known means. This
requires some knowledge of the customer but, nevertheless, there may be
circumstances that appear unusual and raise the suspicion that he is using money
obtained unlawfully.


• It may be that the customer lives in low cost accommodation with no known
source of income but nonetheless is spending money well above his or her
apparent means.


• There is no set amount which dictates when a SAR should be made and much
will depend on what is known, or suspected, about the customer.


• A customer exhibits unusual gambling patterns with an almost guaranteed
return or very little financial risk.


• It is accepted that some customers prefer to gamble in this way but, in some
instances, the actions may raise suspicion because they are different from the
customer’s normal gambling practices.


• Money is deposited by a customer or held over a period and withdrawn by the
customer without being used for gambling.


• For instance, suspicions should be raised by any large amounts deposited in
gaming machines or gambling accounts that are then cashed or withdrawn after
very little game play or gambling.


• A customer regularly gambles large amounts of money and appears to find a
level of losses acceptable.


• In this instance, the customer may be spending the proceeds of crime and
sees the losses as an acceptable consequence of the process of laundering those
proceeds.


• A customers spend increases over a period of time, thereby masking high
spend and potential money laundering.


• A customer spends little, but often, and his annual aggregate spend is high
and out of kilter with his expected spend.


• A customer displays gambling patterns where spend is high but the risk is
low, for example gambling on red and black in roulette. The customer could be
laundering money in a way that guarantees minimal loss.


• Instances of high spend by customers that lead to significant commercial
risk for the operator may also indicate suspicious activity.


Indicators to help establish suspicion that a transaction may be related to a
terrorist activity financing offence mostly resemble those relating to money
laundering, although there are some differences. For example, amounts relating
to terrorist financing generally may be smaller.


15.7.4. Financial Sanctions


It is the policy of BAAJIWALA to verify the identity of all customers, and to
check that they are not the subject of sanctions or other statutory measures
prohibiting the Company from providing its services. The member of staff
conducting verification of identity will complete the process by checking that
the customer is not the subject of sanctions or other statutory measures, using
the screening methods set out by the MLRO. These include the direct questions to
the prospective customer, screening of all new customers against sanctions and
other databases (via direct reference to an official list or using a
commercially available product), and ongoing screening of all customer names
(via ongoing subscription to commercially available products and automatic
uploads).


15.7.5. Adverse Media


Along with Sanctions and PEP databases, third-party providers offer a service
that screens individuals for adverse media. BAAJIWALA uses such a service to
identify if a customer has been identified by the media as having links to
financial crime, terrorist financing and/or other criminal activity. These
individuals, once confirmed to be one and the same in both media and among the
BAAJIWALA customers, would only be allowed to continue using BAAJIWALA services
after a close review by the MLRO and/or senior management.


15.8. Anti-Bribery and Whistleblowing


As an extension to the AML/CFT efforts, BAAJIWALA also employs Anti-Bribery and
Whistleblowing Policies and Procedures. These are standalone documents that are
available to all employees and are part of their onboarding package.


15.9. Employee Background Checks


BAAJIWALA is committed to establish and maintain procedures which enable it to
be satisfied as to the integrity of all new staff members and by extension their
likeliness to follow the BAAJIWALA policies and procedures. To meet this
requirement, the Human Resource Department is responsible for undertaking all of
the checks listed in relation to new members of staff and for retaining the
appropriate records:


• Obtain and confirm references, if required;


• Confirm their employment history and the qualifications they have;


• Request a recent police conduct certificate; and


• Request details of any regulatory action taken against them. 


16. Fraud


We will seek criminal and contractual sanctions against any Customer involved in
fraud, dishonesty or criminal acts. We will withhold payment to any Customer
where any of these are suspected. The Customer shall indemnify and shall be
liable to pay to us on demand, all costs, charges or losses sustained or
incurred by us (including any direct, indirect or consequential losses, loss of
profit, loss of business and loss of reputation) arising directly or indirectly
from the Customer’s fraud, dishonesty or criminal act.


17. Responsible Gaming Policy


BAAJIWALA is committed to endorsing responsible wagering among its customers as
well as promoting the awareness of problem gambling and improving prevention,
intervention and treatment.


BAAJIWALA’s Responsible Gambling Policy sets out its commitment to minimizing
the negative effects of problem gambling and to promoting responsible gambling
practices.


BAAJIWALA supports the generation of online gamblers offering them a wide range
of games and entertainment. We also take responsibility for our product line-up.


The aim of BAAJIWALA is to provide the world’s safest and most innovative
gaming platform for adults. The offered clear and safe products allow each user
to play within his financial means and to receive the highest quality service.
Integrity, fairness and reliability are the guiding principles of BAAJIWALA’s
work. It is therefore clear that BAAJIWALA should do its best to avoid and
reduce the problems, which can arise from participation in gambling,
particularly in cases of immoderate playing. At the same time it is important to
respect the rights of those who take part in games of chance to a reasonable
extent as means of entertainment.


Responsible Gaming at BAAJIWALA is based on three fundamental principles:
Security of the player, Security of the game and Protection against gaming
addiction. Together with research institutes, associations and therapy
institutions, we work on creation of a responsible, secure and reliable
framework for online gaming.


Player security


We take responsibility for the security of our players. Protection of the
players is based on forbidding the attendance of the minors from participation
in games and the protection of privacy, which involves responsible processing of
personal data and payments. Fairness and the random nature of the products
offered are monitored closely by independent organizations. Marketing
communication is also geared towards player protection: we promise only what
players can receive in our transparent line.


Protection against gaming addiction: research – prevention – intervention


The majority of users who make sports bets, casino bets and other gaming offers
play in moderation for entertainment. Certain habits and behavior patterns (such
as shopping, playing sports, eating or consumption of alcohol) which are
considered to be normal and not causing any concern can develop into addiction
for some people and cause problems. In the same way, bets on sports and gambling
can lead to problems for a small group of customers.


Clients with gaming addiction are prohibited from further participation in the
gaming line-up. Subsequently the customers are provided with contacts of
organizations where they can receive professional advice and support.


Self-responsibility is the most sustainable form of prevention


The basic principle promoted by BAAJIWALA is that the final decision and
responsibility on whether to play or not, and how much money can be spent on the
game should be assumed by the customer himself.


Self-responsibility of the customer is therefore the most effective form of
protection from addiction. BAAJIWALA sees its responsibility in assisting the
customers by providing transparent products, full information and keeping a
clear line of conduct.





Protection of minors


BAAJIWALA does not allow minors (persons under the age of 18) to participate in
games and make bets. That’s why the confirmation of having reached the age of
majority and the confirmation of date of birth are mandatory requirements during
registration. BAAJIWALA considers the issue of minors taking part in games and
betting very seriously. In order to offer the best possible protection of
minors, we also rely on the support of parents and caregivers. Please keep your
data for account access in a safe place (user ID and password).


Furthermore, we would recommend that you install filter software. This software
will allow you to restrict the access to Internet resources inappropriate for
children and teenagers.


Responsibility towards problems


BAAJIWALA offers a variety of games and bets, which are forms of entertainment
for the majority of customers. At the same time the company takes responsibility
for its customers by providing support and tools for maintenance of a secure and
entertaining environment taking into account the associated risks.


The clients who have difficulty in assessing risks, recognizing their own limits
or those who suffer from gambling addiction are not able to enjoy our product
line-up responsibly and perceive it as a form of entertainment. BAAJIWALA takes
responsibility for such users by blocking their access to its products for their
own protection.


Get informed with the main issues


Most people play for pleasure. Moderate participation in games within their
financial capacity is fully acceptable. However, for a small percentage of
people gambling is not a form of entertainment, it is a challenge that must be
considered seriously.


What is the problematic game behavior?


A problematic game behavior is considered to be such behavior, which interferes
mode of life, work, financial position or health of a person or his family. Long
participation in games is counter indicative to such person as it can lead to
negative consequences.


In 1980 the pathological game dependence has been officially recognized and
enlisted in the list of psychological diseases of international classification
system DSM-IV and ICD-10. It is defined as long, repeating and frequently
amplifying inclination for game, despite of existing negative personal and
social circumstances, such as a debt, rupture of family relations and delay of
professional growth.


In what cases behavior of a person should be considered as dependence?


It is necessary to underline that the diagnoses of game dependence can be
qualified only by experts. The material presented on this web-page will help you
to estimate and define your own game behaviour.


The special hazard of addictions that are not associated with any substance is
that it is very difficult to define the line between pleasure and addiction.
Nevertheless, there are some diagnostic signals that may point out the existing
problems. In the presence of at least five of the following symptoms, the
likelihood of the severe dependence is high:


1. The player is deeply involved in gambling, all his thoughts are only about
the game.


2. Bet sum increases in course of time.


3. Attempts to quit or control his participation in the games appear to be
unsuccessful.


4. When limiting his participation in gambling, a person experiences irritation
and disappointment.


5. The game is a way to escape from problems or discomfort.


6. The player tries to win back the lost amount,


7. Lies about his playing behavior,


8. Commits illegal acts,


9. Spoils or breaks the relationship with family and colleagues,


10. Borrows to participate in the games.


Rules for responsible games


Following the rules placed below, you can enjoy the game without anxiety:


1. Start playing only when you are calm and concentrated.


2. Take regular breaks.


3. Define for yourself beforehand the monthly amount you can spend on the game.


4. Once setting a maximum limit, do not further increase it.


5. Before you start playing, define the maximum amount of winning, after
reaching of which you should stop playing.


6. Define the amount you can afford to lose beforehand.


7. Do not start playing under alcohol or drug influence.


8. Do not start playing in a depressed state.





18. Intellectual Property


We trade as BAAJIWALA and the BAAJIWALA name and logo are registered trademarks.
Any unauthorised use of our trademark and logo may result in legal action being
taken against you.


The www.baajiwala.live uniform resource locator (URL) is owned by us and no
unauthorised use of the URL is permitted on another website or digital platform
without our prior written consent.


As between us and you, we are the sole owners of the rights in and to the
Service, our technology, software and business systems (the “Systems”) as
well as our odds.


i. you must not use your personal profile for your own commercial gain (such as
selling your status update to an advertiser); and


ii. when selecting a nickname for your Account we reserve the right to remove or
reclaim it if we believe it appropriate.


You may not use our URL, trademarks, trade names and/or trade dress, logos (the
“Marks”) and/or our odds in connection with any product or service that is
not ours, that in any manner is likely to cause confusion among Customers or in
the public or that in any manner disparages us.


Except as expressly provided in these Terms, we and our licensors do not grant
you any express or implied rights, licence, title or interest in or to the
Systems or the Marks and all such rights, licence, title and interest
specifically retained by us and our licensors. You agree not to use any
automatic or manual device to monitor or copy web pages or content within the
Service. Any unauthorised use or reproduction may result in legal action being
taken against you.


19. Your Licence


Subject to these terms and your compliance with them, we grant to you a
non-exclusive, limited, non transferable and non sub-licensable licence to
access and use the Service for your personal non-commercial purposes only. Our
licence to you terminates if our agreement with you under these Terms ends.


Save in respect of your own content, you may not under any circumstances modify,
publish, transmit, transfer, sell, reproduce, upload, post, distribute, perform,
display, create derivative works from, or in any other manner exploit, the
service and/or any of the content thereon or the software contained therein,
except as we expressly permit in these terms or otherwise on the website. No
information or content on the service or made available to you in connection
with the Service may be modified or altered, merged with other data or published
in any form including for example screen or database scraping and any other
activity intended to collect, store, reorganise or manipulate such information
or content.


Any non-compliance by you with this Clause may also be a violation of our or
third parties’ intellectual property and other proprietary rights which may
subject you to civil liability and/or criminal prosecution.


20. Your Conduct and Safety


We would like you to enjoy the Service. However, for your protection and that of
all Customers, the posting of any content on the service, as well as conduct in
connection therewith and/or the service, which is in any way unlawful,
inappropriate or undesirable is strictly prohibited - it is Prohibited
Behaviour. If you engage in Prohibited Behaviour, or we determine in our sole
discretion that you are engaging in Prohibited Behaviour, your baajiwala.live
Account and/or your access to or use of the Service may be terminated
immediately without notice to you.


Legal action may be taken against you by another Customer, other third party,
enforcement authorities and/or us with respect to you having engaged in
Prohibited Behaviour.


Prohibited Behaviour includes, but is not limited to, accessing or using the
Service to:


i. promote or share information that you know is false, misleading or unlawful;


ii. conduct any unlawful or illegal activity, such as, but not limited to, any
activity that furthers or promotes any criminal activity or enterprise, provides
instructional information about making or buying weapons, violates another
Customer’s or any other third party’s privacy or other rights or that
creates or spreads computer viruses;


iii. harm minors in any way;


iv. transmit or make available any content that is unlawful, harmful,
threatening, abusive, tortuous, defamatory, vulgar, obscene, lewd, violent,
hateful, or racially or ethnically or otherwise objectionable;


v. transmit or make available any content that the user does not have a right to
make available under any law or contractual or fiduciary relationship, including
without limitation, any content that infringes a third party’s copyright,
trademark or other intellectual property and proprietary rights;


vi. transmit or make available any content or material that contains any
software virus or other computer or programming code (including HTML) designed
to interrupt, destroy or alter the functionality of the Service, its
presentation or any other website, computer software or hardware;


vii. interfere with, disrupt or reverse engineer the Service in any manner,
including, without limitation, intercepting, emulating or redirecting the
communication protocols used by us, creating or using cheats, mods or hacks or
any other software designed to modify the Service, or using any software that
intercepts or collects information from or through the Service;


viii. retrieve or index any information from the Service using any robot, spider
or other automated mechanism;


ix. participate in any activity or action that, in the sole and entire
unfettered discretion of us results or may result in another Customer being
defrauded or scammed;


x. transmit or make available any unsolicited or unauthorised advertising or
mass mailing such as, but not limited to, junk mail, instant messaging, "spim",
"spam", chain letters, pyramid schemes or other forms of solicitations;


xi. create baajiwala.live Accounts by automated means or under false or
fraudulent pretences;


xii. impersonate another Customer or any other third party, or


xiii. any other act or thing done that we reasonably consider to be contrary to
our business principles.


The above list of Prohibited Behaviour is not exhaustive and may be modified by
us at any time or from time to time. If you become aware of the misuse of the
service by another Customer or any other person, please contact us through the
“Contact Us” section of the Website. We reserve the right to investigate and
to take all such actions as we in our sole discretion deems appropriate or
necessary under the circumstances, including without limitation, deleting the
Customer’s posting(s) from the Service and/or terminating their account, and
take any action against any Customer or third party who directly or indirectly
in, or knowingly permits any third party to directly or indirectly engage in,
Prohibited Behaviour, with or without notice to such Customer or third party.


21. Links to Other Websites


The Service may contain links to third party websites that are not maintained
by, or related to, us, and over which we have no control. Links to such websites
are provided solely as a convenience to Customers, and are in no way
investigated, monitored or checked for accuracy or completeness by us. Links to
such websites do not imply any endorsement by us of, and/or any affiliation
with, the linked websites or their content or their owner(s). We have no control
over or responsibility for the availability nor their accuracy, completeness,
accessibility and usefulness. Accordingly when accessing such websites we
recommend that you should take the usual precautions when visiting a new website
including reviewing their privacy policy and terms of use.


22. Self-exclusion


If you feel you are at risk of developing a gambling problem or believe you
currently have a gambling problem, please consider using Self-Exclusion which
prevents you gambling with BAAJIWALA for a specified period of 6 months, 1 year,
2 years, 5 years or permanently.


If you want to stop playing for other reasons, please consider a Time-Out or
using Account Closure.


What happens when you self-exclude?


During a period of Self-Exclusion you will not be able to use your account for
betting, although you will still be able to login and withdraw any remaining
balance. It will not be possible to re-open your account for any reason, and
BAAJIWALA will do all it can to detect and close any new accounts you may open.


Next steps


Whilst we will remove you from our marketing databases, we also suggest that you
remove bet365 from your notifications and delete/uninstall all BAAJIWALA apps,
downloads and social media links. You may also wish to consider installing
software that blocks access to gambling websites, click here for more
information.


We recommend that you seek support from a problem gambling support service to
help you deal with your problem.


You can self-exclude your account in the My Gambling Controls section of Members
by choosing Self-Exclusion.


Alternatively you can contact our customer care team for assistance and further
information.


Self-Exclusion Notice


Should you opt to self-exclude from BAAJIWALA, we strongly recommend that you
seek exclusion from all other gambling operators you have an account with.


You can self-exclude by contacting other gambling operators directly or you can
exclude from other Northern Territory licensed operators by completing a
Self-Exclusion Notice form.


Once completed the Northern Territory Self-Exclusion Notice form should be
submitted to the nominated site, sports bookmaker or betting exchange operator.


23. Complaints


If you have any concerns or questions regarding these terms you should contact
our Customer Service Department


NOTWITHSTANDING THE FOREGOING, WE TAKE NO LIABILITY WHATSOEVER TO YOU OR TO ANY
THIRD PARTY WHEN RESPONDING TO ANY COMPLAINT THAT WE RECEIVED OR TOOK ACTION IN
CONNECTION THEREWITH.


Any Customer of the Service who has any concerns or questions regarding these
Terms regarding the settlement of any baajiwala.live market should contact our
Customer Service Department.


If a Customer is not satisfied with how a bet has been settled then the Customer
should provide details of their grievance to our Customer Service Department. We
shall use our reasonable endeavours to respond to queries of this nature within
a few days (and in any event we intend to respond to all such queries within 28
days of receipt).


Disputes must be lodged within three (3) days from the date the wager in
question has been decided. No claims will be honored after this period. The
Customer is solely responsible for their Account transactions.
Complaints/disputes must be sent from the Customer’s Registered Email Address.


In the event of a dispute arising between you and us our Customer Service
Department will attempt to reach an agreed solution. Should our Customer Service
Department be unable to reach an agreed solution with you, the matter will be
escalated to our management in accordance with our Complaints Procedure
(available upon request).


The Customer has the right to lodge a complaint with one of our licensing bodies
should all efforts to resolve a dispute to the Customer’s satisfaction have
failed.


24. Registration and Account Security


Customers of the service must provide their real names and information and, in
order to comply with this, all Customers must commit to the following rules when
registering & maintaining your Account:


i. you must not provide any false personal information on the Service, or create
an Account for anyone other than yourself;


ii. you must not use your personal profile for your own commercial gain (such as
selling your status update to an advertiser); and


iii. when selecting a nickname for your Account we reserve the right to remove
or reclaim it if we believe appropriate.


25. Assignment


Neither these terms nor any of the rights or obligations hereunder may be
assigned by you without the prior written consent of us, which consent will not
be unreasonably withheld. We may, without your consent, assign all or any
portion of our rights and obligations hereunder to any third party provided such
third party is able to provide a service of substantially similar quality to the
Service by posting written notice to this effect on the Service.


26. Severability


In the event that any provision of these terms is deemed by any competent
authority to be unenforceable or invalid, the relevant provision shall be
modified to allow it to be enforced in line with the intention of the original
text to the fullest extent permitted by applicable law. The validity and
enforceability of the remaining provisions of these terms shall not be affected.


27. Breach of These Terms


Without limiting our other remedies, we may suspend or terminate your account
and refuse to continue to provide you with the service, in either case without
giving you prior notice, if, in our reasonable opinion, you breach any material
term of these Terms. Notice of any such action taken will, however, be promptly
provided to you.


28. Governing Law and Jurisdiction


This Agreement shall in all respects be governed, interpreted by, and construed
in exclusive accordance with the laws of Belize. All disputes, differences,
complaints etc., shall be subject to Arbitration under the Belize. The
arbitrator will be appointed by the company after due consent from the company
and the user. The place of arbitration shall be Belize.


29. General Provisions


Term of agreement. These terms shall remain in full force and effect while you
access or use the service or are a Customer of baajiwala.live. These terms will
survive the termination of your baajiwala.live Account for any reason.


Gender. Words importing the singular number shall include the plural and vice
versa, words importing the masculine gender shall include the feminine and
neuter genders and vice versa and words importing persons shall include
individuals, partnerships, associations, trusts, unincorporated organisations
and corporations.


Waiver. No waiver by us, whether by conduct or otherwise, of a breach or
threatened breach by you of any term or condition of these Terms shall be
effective against, or binding upon, us unless made in writing and duly signed by
us, and, unless otherwise provided in the written waiver, shall be limited to
the specific breach waived. The failure of us to enforce at any time any term or
condition of these Terms shall not be construed to be a waiver of such provision
or of the right of us to enforce such provision at any other time.


Headings. The division of these Terms into paragraphs and sub-paragraphs and the
insertion of headings are for convenience of reference only, and shall not
affect or be utilised in the construction or interpretation of these Terms
agreement. The terms "these Terms", "hereof", “hereunder” and similar
expressions refer to these Terms and not to any particular paragraph or
sub-paragraph or other portion hereof and include any agreement supplemental
hereto. Unless the subject matter or context is inconsistent therewith,
references herein to paragraphs and sub-paragraphs are to paragraphs and
sub-paragraphs of these Terms.


Acknowledgement. By hereafter accessing or using the Service, you acknowledge
having read, understood and agreed to each and every paragraph of these Terms.
As a result, you hereby irrevocably waive any future argument, claim, demand or
proceeding to the contrary of anything contained in these Terms.


Language. In the event of there being a discrepancy between the English language
version of these rules and any other language version, the English language
version will be deemed to be correct.


Restricted countries: BAAJIWALA is one of the largest bookies in the world and
also one of the best known, but this bookmaker does not operate in all countries
of the world due to restrictions by the governments of each country. Therefore,
our service is restricted in the following countries: Australia, Aruba, Bonaire,
Belize, France, The Netherlands, Saba, Statia, St. Maarten, Singapore, Spain,
the United Kingdom, the USA and any other jurisdiction that the Central
Government of Belize deems online gambling illegal. This includes all of the
named Nations' Territories and Possessions.


Entire agreement. These Terms constitute the entire agreement between you and us
with respect to your access to and use of the Service, and supersedes all other
prior agreements and communications, whether oral or written with respect to the
subject matter hereof.


Betting Rules


Any dispute related to the sports betting product shall be contacted with
customer support


Casino Rules


Any dispute related to the casino product shall be contacted with customer
support


Complete casino rules can be accessed from within the casino games.


ACCEPTING THE TERMS AND CONDITIONS


You hereby accept the fact that you have read, understood and are willing to
abide by the above Terms and Conditions.


RULES AND REGULATION


PLAYER SECURITY

All BAAJIWALA Sub account holders are advised to read the following ‘Terms and
Conditions’. All users who use BAAJIWALA agree and accept to the following:

 1.  Any form of ‘Passing of funds’, ‘Self Matching’ will not be
     tolerated on BAAJIWALA. Any users found participating in such activities
     will be locked with the funds being reversed. Accounts participating in
     such activities must note that BAAJIWALA reserves the right to Void any
     bets of such nature at any time within 1 week of the bet being placed.
 2.  Any self matching ( punching ) bets on non favorite teams when liquidity is
     low will be voided even if the player account is in minus for the event ,
     the upline will be responsible for the same.
 3.  Please note that if any account has been locked due to ‘Passing of
     funds’ within the last 72 hours, BAAJIWALA reserves the right to void any
     bet of this nature within the account irrespective of when the bet was
     placed.
 4.  No Arguments or claim in the above context will be entertained by BAAJIWALA
     and the decision made by BAAJIWALA will stand as final.
 5.  BAAJIWALA Endeavors to have our services run 24 hours a day. However due to
     any technical issue, or disruption of services from our provider
     (Betfair.com), BAAJIWALA will not be liable for any market positions that
     any account holders may hold.
 6.  Betfair.com reserves the right to resettle or void any market for reasons
     such as technical delayed suspension from the provider. In any such case
     BAAJIWALA will settle according to Betfair.com
 7.  Account holders will be held responsible for the financial penalties
     incurred for any misuse or ‘passing of funds’ from any of the ‘Sub’
     account holders under their accounts irregardless whether or not the
     financial positions of the sub accounts have been settled by their superior
     holders.
 8.  In case anyone is found using 2 different IDs and logging in from same IP
     his winning in both accounts will be cancelled.
 9.  Any bets which are deemed of being suspicious, including bets which have
     been placed from the stadium or from a source at the stadium maybe voided
     at anytime. The decision of whether to void the particular bet in question
     or to void the entire market will remain at the discretion of BAAJIWALA.
     The final decision of whether bets are suspicious will be taken by
     BAAJIWALA and that decision will be full and final.
 10. Any sort of cheating bet, any sort of Matching (Passing of funds), Court
     Siding, Sharpening, Commission making is not allowed in BAAJIWALA, If any
     BAAJIWALA User is caught in any of such act then all the funds belonging
     that account would be seized and confiscated. No argument or claim in that
     context would be entertained and the decision made by BAAJIWALA management
     will stand as final authority.
 11. Fluke hunting/Seeking is prohibited in BAAJIWALA, All the fluke bets will
     be reversed. Cricket commentary is just an additional feature and facility
     for BAAJIWALA user but BAAJIWALA is not responsible for any delay or
     mistake in commentary.
 12. Members are not permitted to hold multiple accounts. This includes holding
     an account with any associated site operating on the same platform as this
     site. Where maximum bet or maximum market limits are imposed, the Site
     reserves to the right to void bets from accounts found to be exceeding
     these limits by using multiple accounts across this and any other
     associated sites.



EXCHANGE RULES AND REGULATIONS


PART A - INTRODUCTION


RESTRICTED TERRITORY INFORMATION

Please be advised that our restricted territory information pertains to both
residents and visitors in the restricted areas. Accounts registered in a
non-restricted territory will become restricted if they are attempt to access
and have betting activity from a territory which is restricted.

Restricted territory countries are Algeria, Australia, Austria, Bulgaria,
Canada, China, Cyprus, Czech Republic, Democratic People’s Republic of Korea,
Denmark, Europe, France (and French territories), Gibraltar, Germany, Iran,
Iraq, Ireland, Italy, Japan, Malta, New Zealand, Poland, Portugal, Qatar,
Romania, Singapore, South Africa, Spain, Turkey, United Kingdom and United
States of America (and US territories)
We have the right to void all players winnings if they are deemed to come from a
restricted territory.



1. USE AND INTERPRETATION

The Exchange Rules and Regulations ("Exchange Rules") are part of terms and
conditions.

The Exchange Rules apply to all bets placed on Exchange markets. The Exchange
Rules also apply to Exchange ’Multiples’ product (see the Multiples section
below for further details).

The Exchange Rules consist of the following:

 1. This INTRODUCTION section (Part A);
 2. The GENERAL RULES (set out in Part B below);
 3. The SPECIFIC SPORTS RULES (set out in Part C below – these apply to
    certain sports and to financial markets); and
 4. The MARKET INFORMATION (located on every market either under the tab
    entitled "Rules" or under the ‘Rules’).

The General Rules apply to all bets unless stated otherwise in the Market
Information or the Specific Sports Rules. If there is any inconsistency between
the Specific Sports Rules and the General Rules, the Specific Sports Rules shall
prevail. If there is any inconsistency between the Market Information and either
the General Rules or the Specific Sports Rules, the Market Information shall
prevail, except where the General Rules or Specific Sports Rules use the phrase
'regardless of what it says in the Market Information' or similar wording.

For any category or market not referred to in the Specific Sports Rules (e.g.
’Special Bets’ or beach volleyball), the General Rules and Market
Information will apply.



2. MARKET INFORMATION

The Market Information is provided for information purposes as an at-a-glance
guide on how to manage the market. The Market Information may also contain rules
on market settlement, however it must always be read in conjunction with the
General Rules and the relevant Specific Sports Rules and a link to this Rules
and Regulations page will usually be provided in the Market Information for each
market.
Whilst the Market Information may give a guide to how markets will be managed,
regardless of what it says in the Market Information, it reserves the right to
suspend any market at any time at its sole discretion, including in order to
carry out necessary administration and/or to take any necessary action to
protect the customers.
It shall not amend the Market Information after a market has been loaded except
to correct obvious errors and/or to add wording to clarify the Market
Information where appropriate.



3. CUSTOMER RESPONSIBILITY

The customers should make themselves aware of all the Exchange Rules affecting
any market on which they wish to place a bet. Customers should not simply rely
on the Market Information as the Market Information is unlikely to contain all
of the applicable rules relating to a market.
By their nature ‘Special Bets’ markets are unpredictable so should be
treated with particular caution. Customers are responsible for managing their
own positions at all times in such markets. Customers should pay particular
attention to the Market Information on ‘Special Bets’ markets to ensure they
understand the basis on which the market will be administered and settled.



4. CUSTOMER BETTING DISPUTES & IBAS

Any customer who has any concerns or questions regarding the Exchange Rules or
regarding the settlement of any market should contact.
If a customer is not satisfied with how a bet or a market has been settled then
the customer should provide details of their grievance.



PART B - GENERAL RULES


1. MANAGING MARKETS IN-PLAY

a) General

 * For everything other than horseracing and greyhound racing, if a market is
   not scheduled to be turned in-play but fails to suspend the market at the
   relevant time, then:
   * if the event has a scheduled 'off' time, all bets matched after that
     scheduled off time will be void; and
   * if the event does not have a scheduled 'off' time, it will use its
     reasonable endeavours to ascertain the time of the actual 'off' and all
     bets after the time of the 'off' determined will be void.
 * For horseracing and greyhound racing, if a market is not scheduled to be
   turned in-play but fails to suspend the market at the relevant time, then all
   bets matched after the official 'off' time will be void.
 * It aims to use its reasonable endeavours to suspend in-play markets at the
   start of and at the end of the event. However, regardless of what it says in
   the Market Information, it does not guarantee that such markets will be
   suspended at the relevant time.
 * It will not part-suspend outcomes/selections in an Exchange market that has
   been turned in-play.
 * Customers are responsible for managing their in-play bets at all times.
 * For the purposes of in-play betting, customers should be aware that
   transmissions described as "live" by some broadcasters may be delayed or
   pre-recorded. The extent of any delay may vary depending on the set-up
   through which they are receiving pictures or data.

b) All markets other than soccer markets and Australian markets - not suspending
at the time of the 'off'

 * In relation to markets which are scheduled to be turned in-play, aims to use
   its reasonable endeavours to turn such markets in-play at the time of the
   'off'. The time of the 'off' for such markets should be set out in the Market
   Information. However, regardless of what it says in the Market Information,
   it does not guarantee that such markets will be suspended and turned in-play
   at the time of the 'off'.
 * If a market is scheduled to be turned in-play but does not suspend the market
   and cancel unmatched bets at the time of the 'off' and the market is not
   turned in-play with unmatched bets cancelled at any time during the event,
   all bets matched after the scheduled time of the 'off' will be void (in the
   case of horseracing and greyhound racing, bets will be void from the official
   rather than the scheduled 'off' time).
 * If the event does not have a scheduled 'off' time, it will use its reasonable
   endeavours to ascertain the time of the actual 'off' and all bets after the
   time of the 'off' determined will be void.
 * If a market is scheduled to be turned in-play but does not suspend the market
   at the time of the 'off' (so unmatched bets are not cancelled at that time),
   but the market is intentionally turned in-play at a later time during the
   event, all bets matched after the time of the 'off' will stand

c) Soccer markets (with the exception of Australian soccer markets) - not
suspending at kick-off or on the occurrence of a Material Event

Not suspending at kick-off

 * In relation to soccer markets that are scheduled to be turned in-play, aims
   to use its reasonable endeavours to turn such markets in-play at kick-off and
   to suspend such markets on the occurrence of a Material Event (see definition
   of "Material Event" below).
 * The relevant scheduled kick-off time should be set out in the Market
   Information. However, regardless of what it says in the Market Information,
   it does not guarantee that such markets will be suspended and turned in-play
   at kick-off.
 * If a market is scheduled to be turned in-play but not suspend the market at
   kick-off and the market is not turned in-play at any time during the match,
   all bets matched after the scheduled time of the kick-off will be void.
 * If a market is scheduled to be turned in-play but not suspend the market at
   kick-off (so unmatched bets are not cancelled at that time), but the market
   is turned in-play at a later time during the match, all bets matched after
   the scheduled time of the kick-off and before the first "Material Event" will
   stand. However, if there has been one or more "Material Events", any bets
   matched between the first "Material Event" and the market being turned
   in-play will be void.
   
   Not suspending on the occurrence of a Material Event

 * If it does not suspend a market on time for the occurrence of a Material
   Event, it reserves the right to void bets unfairly matched after the Material
   Event has occurred. Voiding of these bets may take place during the event or
   retrospectively once a game is completed.

   Definition of “Material Event”

 * For the purpose of these Exchange Rules, a "Material Event" shall mean a goal
   being scored, a penalty being awarded or a player being sent off.

d) In-play Australian markets

 * Notwithstanding the other in-play rules described above, in relation
   specifically to any Australian market that is scheduled to be turned in-play,
   if it fails to suspend the market at the 'off' then all bets matched after
   the scheduled time of the 'off' and before the market is turned in-play will
   be void (in the case of horseracing and greyhound racing, bets will be void
   from the official rather than the scheduled ‘off’ time). If the event
   does not have a scheduled 'off' time, it will use its reasonable endeavours
   to ascertain the time of the actual 'off' and all bets after the time of the
   'off' as determined will be void.



2. RESULTS AND MARKET SETTLEMENT

a) General

 * Markets will be settled as set out in the Market Information and/or the
   Specific Sports Rules.
 * Where the Market Information or Specific Sports Rules do not specify how and
   on what basis a market will be settled, markets will be settled on the
   official result of the relevant governing body regardless of any subsequent
   disqualification or amendment to the result (except if an amendment is
   announced within 24 hours of the initial settlement of the relevant market in
   order to correct an error in reporting the result).
 * If no official result of a relevant governing body is available, the result
   will be determined by using information from independent sources. In such
   cases, if any new information comes into the public domain within 48 hours of
   settlement, then it shall (acting reasonably) determine either: (i) whether
   the market should be reinstated or resettled in light of this new
   information; or (ii) whether or not to wait for further information before
   deciding whether to reinstate or resettle the market. Except it has announced
   that it is waiting for further information, any information that comes into
   the public domain more than 48 hours after a market has been settled shall
   not be considered (regardless of whether or not such information may have led
   to a different result).
 * In the event of any uncertainty about any result or potential result, it
   reserves the right to suspend settlement of any market for an unlimited
   period until the uncertainty can be resolved to the reasonable satisfaction.
   It reserves the right to void any market if the uncertainty regarding
   settlement cannot be resolved to reasonable satisfaction.

b) Resettlements

 * Markets are generally settled shortly after the end of the event in question.
   It may settle (or part-settle) some markets before the official result is
   declared (or may increase a customer's 'available to bet' balance by the
   minimum potential winnings of that customer on a given market) purely as a
   customer service benefit. However, it reserves the right to amend the
   settlement of the market if: (i) the official result is different to the
   result on which initially settled the market (for example, a horseracing
   result being changed by the relevant governing body shortly after a race, but
   before the result is official); or (ii) if the whole market is eventually
   voided (e.g. for an abandoned event).
 * It reserves the right to reverse the settlement of a market if a market is
   settled in error (for example, a human or technical error).
 * If resettles a market, this may lead to amendments being made to a customer's
   balance to reflect changes in market settlement.

c) Non-runners, withdrawals and disqualifications

 * Subject always right to void bets under its terms and conditions or for any
   exception under the Exchange Rules, if a market contains a statement that
   says, "All bets stand, run or not" (or something similar) in the Market
   Information, then all bets on a team or competitor will stand regardless of
   whether or not the team or competitor starts the event or takes any part in
   the event.
 * Where the Market Information does not stipulate that all bets will stand
   regardless of participation, customers should refer to the relevant Specific
   Sports Rules.
 * If a team or competitor is disqualified, withdraws or forfeits after starting
   an event they will be deemed a loser providing at least one other team or
   competitor completes the event. If no team or competitor completes an event
   (having started) then all bets will be void except for bets on any markets
   which have been unconditionally determined.

d) Winner with [named selection]' markets

 * It may from time to time offer markets that are dependent on the
   participation of a particular competitor. If the competitor named either in a
   'Winner with …' market title or in the Market Information does not
   participate in the tournament or event then all bets on the market will be
   void. For example, if there was a "Winner with Federer" tennis market, all
   bets on the market would be void if Federer did not participate in the
   tournament. However, if any other competitor did not participate, then bets
   would stand.
 * A team or competitor will be deemed to have participated if they have taken
   part to the extent necessary to record an official result or classification
   (including any disqualification but excluding any "did not start" or
   equivalent classification).



3. ABANDONMENTS, CANCELLATIONS, POSTPONEMENTS

 * Some markets have different rules and these are listed in the Specific Sports
   Rules and/or the Market Information. However, where a market has no rules in
   the Specific Sports Rules or the Market Information in relation to an
   abandonment, cancellation and/or postponement the following shall apply.
 * In relation to any match, fixture, game, individual event, race or similar:
   If the event is not completed within three days after the scheduled
   completion date, then all bets on markets for this event will be void, except
   for bets on any markets that have been unconditionally determined.
 * In relation to any tournament, competition or similar: If the event is not
   completed within three days after the scheduled completion date, then any
   markets relating to the event will be settled in accordance with the official
   ruling of the relevant governing body, providing such a decision is given
   within 90 days after the scheduled completion date. If no official ruling is
   announced in this 90-day period, then bets on any market relating to this
   event will be void, except for bets on any markets which have been
   unconditionally determined. If a market is to be voided but has been
   part-settled as a courtesy to customers, then such part-settled bets will be
   reversed and all bets on the market will be void.
 * It will decide (acting reasonably) whether a market relates to a match (or
   similar) or a tournament (or similar). However, by way of example, the
   following shall apply: (i) Europa League outright = tournament; (ii)
   Champions’ League Group outright = tournament; (iii) Top Premiership goal
   scorer = tournament; (iv) 72-hole Golf Match bet = match; (v) Ryder Cup
   outright = tournament; (vi) Golf tournament outright = tournament; (vii)
   Tennis Tournament outright = tournament;(viii) 5-day Cricket Test Match =
   match; (ix) Ashes Series outright winner = tournament; (x) Motor Race (e.g.
   Grand Prix) = match.



4. CHANGE OF VENUE

 * Some markets have different rules and these are listed in the Specific Sports
   Rules and/or the Market Information. However, if change of venue is not dealt
   with in the Specific Sports Rules and/or the Market Information then the
   following shall apply:
 * For any team sport: if the scheduled venue is changed after the market is
   loaded, all bets will be void only if the new venue is a home ground of the
   original away team
 * For all categories or markets other than team sports: if the scheduled venue
   is changed after the market is loaded, all bets will stand.
 * If there is a change in the type of scheduled surface (e.g. a hockey match
   switching from grass to Astor-turf) after the market has been loaded, all
   bets will stand.



5. PERIODS OF TIME

 * Some markets have different rules and these are listed in the Specific Sports
   Rules and/or the Market Information. However, if not dealt with in the
   Specific Sports Rules or the Market Information then the following shall
   apply.
 * If the scheduled duration of an event is changed after the market has been
   loaded but before the start of the event, then all bets will be void.
 * Some markets refer to the length of time until an occurrence in the event
   (e.g. time of first goal). If an event happens in stoppage or injury time
   after any regular time period then it will be deemed to have occurred at the
   end of the regular time period. For example, if a goal is scored in first
   half stoppage-time in a soccer match it will be deemed to have occurred on 45
   minutes.
 * All bets apply to the relevant full 'regular time' period including stoppage
   time. Any extra-time and/or penalty shoot-out is not included.
 * References within these Rules and Regulations to a particular number of
   'days' shall mean the end of the day local time after the expiry of the
   specified number of days. For example, if a rugby match is scheduled for the
   1st of December, then the rule that allows the match to be completed within
   three days after the scheduled completion date (see Paragraph 3 above) would
   mean that the deadline for completion of that match would be 23.59:59 on the
   4th of December.



6. MATCH BETS

 * Some markets have different rules and these are listed in the Specific Sports
   Rules and/or the Market Information. For example, for match bets on Golf
   markets the rules are set out in the Specific Sports Rules. However, if not
   dealt with in the Specific Sports Rules or the Market Information then the
   following shall apply.
 * 'Match Bets' for one-off events are determined by the competitor or team with
   the best score, time or finishing position in the event. If none of the
   competitors or teams involved in the match bet complete the event or register
   a score, time or finishing position then bets are void unless specified
   otherwise in the Specific Sports Rules and/or the Market Information. Any
   competitor or team not completing an event or registering a score, time or
   finishing position having taken part in the match bet event will be settled
   as a loser providing at least one other team or competitor completes that
   event or registers a score, time or finishing position.
 * 'Match Bets' for progress in a competition or event with multiple heats or
   rounds are determined by the competitor or team which qualifies to the
   furthest round (whether it takes part in the further round or not) or with
   the best score, time or finishing position in the final or same heat of that
   competition or event. If the relevant competitors or teams fail to qualify in
   the same round of the competition but in different heats then dead-heat rules
   will apply, irrespective of the finishing positions in their respective
   heats. Markets will be part-settled after the end of each round and any
   subsequent disqualifications, penalties or amendments to results or
   qualifications will not have any effect on the market. Where one or more of
   the competitors or teams are disqualified, for the purposes of settlement,
   the disqualified competitor or team will be deemed to have progressed further
   in the competition or event than all those eliminated from the competition or
   event prior to the disqualification, and will be deemed to have finished last
   (or joint last if there is more than one disqualification) of those still
   competing in the competition or event. Disqualification will be considered to
   have taken place at the time of the competitor's or team's removal from the
   competition or event by the relevant governing body, rather than at the time
   of the event which caused disqualification.
 * If one of the competitors or teams does not take any part in the event, then
   all relevant match bets will be void.
 * If an event or tournament is abandoned or reduced in duration such that any
   competitor or team fails to complete the match bet, event or tournament for
   any reason other than withdrawal or disqualification then all bets will be
   void except for those on markets which have been unconditionally determined.



7. "TO QUALIFY" MARKETS

 * Some markets have different rules and these are listed in the Specific Sports
   Rules and/or the Market Information. However, if not dealt with in the
   Specific Sports Rules or the Market Information then the following shall
   apply.
 * Any 'to qualify' market (e.g. "to reach the final" markets) will be
   determined by the competitor or team that qualifies under the terms set out
   in Market Information, whether or not they take part in the next round or
   event for which they have qualified. Markets will be settled after the
   qualifying stage and any subsequent disqualification or amendment to the
   result will not count.



8. DEAD HEATS

 * Unless stated otherwise in the Specific Sports Rules and/or the Market
   Information the Dead Heat Rule applies to bets on a market where there are
   more winners than expected (as set out in the Market Information).
 * For each bet matched on a relevant winning selection, the stake money is
   first reduced in proportion by multiplying it by the sum of the number of
   winners expected (as set out in the Market Information), divided by the
   number of actual winners (i.e. stake multiplied by (number of winners
   expected/number of actual winners)). The winnings are then paid to the
   successful backers on this 'reduced stake' (reduced stake multiplied by
   traded price) and the remaining stake money is paid to the appropriate
   layers.
 * For example, assume there is a dead heat for first place between three
   horses. 'Client A' has backed one of the winners for a stake of 300 at the
   traded price of 4.0 and 'Client B' has taken the other side of this bet. When
   the event is settled, the stake (300) is multiplied by 1/3 (i.e. the number
   of expected winners (1) divided by the number of actual winners (3)) to
   calculate the reduced stake (100) and the remainder given to the layer (200).
   The backer then receives the traded price matched (4.0) multiplied by the
   reduced stake (4 x 100 = 400). In this example, Client A's net winnings are
   100 (400 payout minus the original 300 stake), and Client B's net losses are
   100. Alternatively, this can be viewed as the full amount paid to the traded
   price divided by the number of dead-heaters. In the above example, this would
   be 300 at the traded price of 4.0 (1200) divided by 3; making 400 payouts and
   100 net winnings.
 * By way of another example, assume there is an outright winner in a golf
   tournament but 7 players tie for 2nd place. In the "top 5 finish" market,
   after settling on the outright winner in the top 5 market there would be 4
   others designated winner’s places available. 'Client A' has backed one of
   the winners for 300 at the traded price of 4.0 and 'Client B' has taken the
   other side of this bet. When the event is settled, the stake (300) is
   multiplied by 4/7 (i.e. the number of expected winners (4) divided by the
   number of actual winners (7)) to calculate the reduced stake (171.43) and the
   remainder given to the layer (128.57). The backer then receives the traded
   price matched (4.0) multiplied by the reduced stake (4 x 171.43 = 685.72). In
   this example, Client A's net winnings are 385.72 (685.72 payout minus the
   original 300 stake), and Client B's net losses are 385.72.
 * In relation to customers whose betting counterparty, for the purposes of this
   section of the Exchange Rules dealing with dead heats, the terms 'Client A',
   'Client B' and 'appropriate layers' should, where relevant, be read



9. EXCHANGE MULTIPLES

 * The Exchange Rules only apply to Exchange Multiples.
 * Customers placing a multiple bet will be betting with each other will act as
   the counterparty to the bet.
 * A multiple bet consists of a number of legs. A leg is defined as one or more
   chosen selections in any individual event market.
 * It reserves the right in its sole discretion not to accept certain multiple
   bets or to scale back stakes in certain circumstances.
 * All multiple bets placed are subject to the Exchange Rules that apply to each
   individual sport that relates to any leg of any multiple bet.
 * The maximum payout limit for Exchange Multiples is £1,000,000.
 * Customers can place an Exchange Multiple bet using back, or where available
   lay or a mixture of back and lay selections. However, customers cannot have a
   combination of back and lay selections in any one leg.
 * If customers choose more than one selection in one leg the odds for this leg
   will be "dutched" which means they will be combined to reflect the chances of
   any of the selections within the leg winning (if backed) or all of the
   selections losing (if laid). If customers wish to place a cross-multiple bet
   (i.e. more than one selection in any event market but not using "dutched"
   prices) they will need to enter each Exchange Multiple bet separately.
 * Other than Exchange Multiples bets struck at Starting Price ("BSP"), the odds
   available via the Exchange Multiples product will be broadly based on the
   relevant singles markets on the Exchange and any such winning multiple bet
   will be subject to commission as set out in the Charges' section of the
   website.
 * Any winnings from Exchange Multiples bets struck at BSP will not be subject
   to commission, but the odds returned on each leg in such a multiple will be
   subject to a 5% deduction from the BSP.
 * A BSP each way Exchange Multiple bet is a bet for selections in the multiple
   to win and a bet on the same selections to place. For example, a £2 each way
   double represents a £2 bet on both selections to win and a £2 bet on both
   selections to be placed, with a total stake for the bet of £4. The number of
   places for each event in each way multiples bet are shown on the multiples
   win Market Information and do not change. Should the number of runners be
   equal to or less than the number of places available, the relevant place leg
   of any multiples bet will be void
 * The minimum total stake for any Exchange Multiple bet is £2. For example, a
   20p "Yankee" (11 bet combinations) representing a total stake of £2.20 is
   permitted. However, a 1p "Heinz" (57 bet combinations) representing a total
   stake of £0.57 or a £1 double (1 bet combination) representing a total
   stake of £1 will not be permitted. For customers betting in currencies other
   than English Sterling, the minimum total stake which applies to an Exchange
   Multiple bet will not necessarily be the equivalent of £2, though it will be
   calculated as described in the example above.
 * If, in its sole discretion, will determine the markets that are available for
   Exchange Multiples. Events available for Exchange Multiples will be those
   listed within any individual Exchange Multiple group (e.g. UK football
   fixtures for any given day). Not all markets will be available via the
   Exchange Multiples product.
 * With the exception of the rule directly below, if any selection in any leg is
   a non-runner or otherwise void under the Exchange Rules (e.g. an abandoned
   match) then all bets on that individual leg will be void and the Exchange
   Multiple bet shall be adjusted accordingly. For example, a treble including
   one void leg will become a double. This means that if customers have more
   than one selection in any leg (i.e. in cases of 'ditching') and one of those
   selections is a non-runner, the whole leg will be void. In the event that
   voided legs mean that an individual bet within a multiple becomes a single
   bet, then this single bet will stand.
 * Notwithstanding the rule directly above, for Exchange Multiples bets struck
   at BSP, if customers have more than one selection in any leg and one of those
   selections is a non-runner the leg will stand. For example, if customers back
   both Desert Orchid and Red Rum in an individual horse race and Red Rum is a
   non-runner, the leg will become a back of just Desert Orchid.
 * It reserves the right not to accept certain combinations of Exchange
   Multiples, such as those including related contingencies (i.e. where the
   outcome of one event is likely to affect the odds on the outcome of another
   event). This may happen automatically at the bet placement stage.
   Alternatively, if such bet is taken in error, it may void the individual bet
   combinations which include two or more of the related contingency selections.
 * It may offer special markets on related events from time to time, including
   within its normal markets (i.e. outside of the Exchange Multiples product),
   for example a market on Chelsea to win the English domestic double (i.e.
   Premiership and FA Cup).
 * When placing any Exchange Multiple bet, the prices shown only give an
   indicative guide as to the price available for each leg and the overall
   multiple. Other than Exchange Multiples bets struck at BSP, the price of each
   leg and the overall multiple price that customers get will be fixed when the
   multiple bet is actually placed and customers will then be able to see these
   prices. For more details on this customer should refer to the 'help' files.
 * Horseracing Exchange Multiples are based on ‘day of the race’ markets
   (and not ante-post markets). Horseracing ante-post rules do not therefore
   apply in relation to horseracing Exchange Multiples.



10. RULES FOR STARTING PRICE

 * Starting Price ('SP') is available on the Exchange. Exchange SP bets (‘SP
   bets’) are therefore a type of Exchange bet. The SP is calculated as, by
   balancing all SP bets and other Exchange bets when the market is suspended at
   the 'off' of the relevant event. The details of this calculation are provided
   directly below.
 * Please note that for all customers, an SP bet cannot be cancelled once it has
   been placed.
 * A bet at SP is a fixed odd bet, with the odds on each selection being
   calculated and bets matched when the event starts. The odds are calculated by
   matching SP backers and other Exchange backers against SP layers and other
   Exchange layers. The inclusion of other Exchange bets in the SP
   reconciliation is necessary to ensure that: SP backers get the benefit of
   unmatched Exchange offers to lay if those offers could increase the SP; and
   SP layers get the benefit of unmatched Exchange offers to back if those
   offers could reduce the SP. Including unmatched other Exchange in the SP
   reconciliation also ensures that the bets of other Exchange backers and
   layers, which would otherwise lapse, are matched where possible.
 * The minimum liability for a bet placed at SP is £10 for a lay bet and £2
   for a back bet (or the currency equivalent in each case).
 * Example 1: on selection A there is £1,000 of backers' stakes and £6,000 of
   layers' liabilities at SP and there are £500 of unmatched other Exchange
   back bets available to lay at an average of 5.0. If we ignored the Exchange
   market in this case the SP would be 7.0. However, this would leave other
   Exchange back bets, that could also have been matched at their requested
   price against SP layers, unmatched. Therefore, the SP will be 5.0 and all SP
   backers and SP layers will be matched at that price. The £500 of Exchange
   backers' stakes will also be matched at their requested price of 5.0 against
   the SP layers.
 * Example 2: on selection B there are £831 of backers' stakes and £4,428 of
   layers' liabilities at SP and the following unmatched other Exchange lay
   bets, available to back: £20 at 6.8, £31.13 at 6.6 and £100 at 6.4. In
   this case the SP will be 6.68. This is calculated by including the £20
   available to back at 6.8 and the £31.13 available to back at 6.6 and
   balancing those amounts against the SP backers' stakes and SP layers'
   liabilities. The £100 available to back on the Exchange at 6.4 remains
   unmatched as to include any of this amount would lead to an imbalance between
   SP backers and SP layers.
 * The SP is calculated to six decimal places for each selection, though it may
   be displayed in the relevant market view (or in any form/results data) to two
   decimal places, rounded up or down as applicable. After reconciliation, the
   full SP on each selection is available by clicking on the relevant individual
   runner graph.
 * If for whatever reason the site is unavailable when an event starts or the SP
   cannot otherwise be reconciled at the 'off’, it will determine the SP using
   all available information. For the avoidance of doubt this information will
   not be limited to betting activity on the relevant market(s). Also in these
   circumstances, a licensed betting operator within the group may act as risk
   counterparty to SP bets if necessary to ensure a fair SP. The personnel
   involved in determining the SP in such circumstances will have no undeclared
   personal or other interest in the SP in question.
 * If the SP reconciliation process is undertaken prematurely (for example if a
   horserace is turned in-play in error), then it will endeavor to reverse the
   reconciliation so that the SP is determined when the event starts. There may
   however be circumstances in which this is not possible, in which case the SP
   will be based on the initial reconciliation.
 * In cases where an SP reconciliation is reversed: SP bets (including SP limit
   bets), 'At In-play: Take SP' bets and 'At In-play: Keep' bets will all revert
   to their status before the reconciliation; and 'At In-play: Cancel' bets will
   either remain cancelled if not matched as part of the reconciliation process,
   or if matched as part of the reconciliation process, will revert to their
   unmatched status before the reconciliation.
 * If the SP reconciliation process is undertaken later than scheduled (i.e.
   after the event has started) and determines that a material event has
   occurred (this will generally mean that the event is not turned in-play), the
   SP will be determined based solely on SP bets (and ‘At In-play: Take SP’
   bets which are unmatched when suspends the relevant market), placed before
   the 'off'. This means that ‘At In-play: Take SP’ bets matched after the
   off, will be made void and not included in the reconciliation process. In
   addition, SP bets placed after the 'off' will be voided. However, if the SP
   reconciliation process is undertaken later than scheduled but determines that
   no material event has occurred, all bets will stand.
 * If a SP 'each way' option is offered this will be processed as two separate
   bets: a win bet at SP and a 'to be placed' bet at SP.
 * If for any reason unmatched bets are cancelled prior to a market going
   in-play, then any unmatched bets that have been selected to 'At In-play: Take
   SP' will be converted to SP bets. Once those bets are converted, they cannot
   be cancelled.

➢ Party against whom you are betting at SP

 * When you place a bet at SP you are betting against other customers. However,
   during the reconciliation of the SP, it acts as counterparty in order to
   balance liabilities between SP bets and other Exchange bets

➢ Placing a SP bet

 * Selecting the 'SP' button in the market view gives customers two different
   ways to request an SP bet. These are as follows:
 * The first way to request a bet at SP is by leaving the 'Set SP odds limit'
   box unticked at the top right of the bet manager. For a back bet you are
   required to enter the stake you wish to bet on the selection. For a lay bet,
   you are required to enter the liability you are prepared to risk against the
   selection – in other words the amount that you are prepared to lose, should
   the selection win (or be placed as applicable).
 * The second way to request a bet at SP is to select the 'Set SP odds limit'
   option. Using this you can request a bet at SP conditional upon minimum SP
   odds in the case of a back bet, or maximum SP odds in the case of a lay bet.
   If SP is shorter than the minimum price requested by a backer or is longer
   than the maximum price requested by a layer, then the relevant bet will lapse
   when the event starts. If SP is longer than the minimum price requested by a
   backer or is shorter than the maximum price requested by a layer, the bet
   will be matched at the SP. Where an SP is equal to the price limit specified
   by customers, those bets will be included based on the time they were
   submitted, on a first come, first served basis as is the existing convention
   for other Exchange bets. This means that such bets may be unmatched or
   partially matched.
 * Please note that if a non-runner cannot be removed from the relevant market
   until after the completion of the event, the application to all bets matched
   at or before the "off" (including SP bets) of any reduction factor, may mean
   that the matched price for an SP back bet with an odds limit requested, is
   adjusted to a price below the lower limit requested. It may also mean that an
   SP lay bet request with maximum odds requested, may not be matched even
   though the odds on the selection, after any post-race adjustment for the late
   non-runner, is below the maximum odds requested.
 * If an SP bet with an odds limit is requested, the minimum/maximum odds
   requested can be shortened in the case of a back bet or a lengthened in the
   case of a lay bet at any time before the event starts. However, as mentioned
   above, an SP bet request cannot actually be cancelled by a customer once it
   has been placed. Details of the impact of non-runners on the SP re provided
   below.

➢ Exchange bets which are unmatched at the 'off'

 * A normal Exchange bet is placed by choosing the odds of your selection from
   the market view (as opposed to clicking on the 'SP' of your selection). When
   such an Exchange bet is fully or partially unmatched it can be adjusted and
   cancelled in the normal course. Previously, unmatched bets were automatically
   cancelled when a market was suspended at the 'off' of the relevant event. You
   can now choose to either have your unmatched Exchange bet convert to an SP
   bet when the market suspends at the start of the event, or to have the bet
   'persist' when the event goes in-play (see the 'keep' option below).
 * In order to convert your unmatched Exchange bet to an SP bet when the market
   suspends you should select the 'At In-Play: Take SP' option in the bet
   manager. If there is a non-runner in a win market with a reduction factor of
   at least 2.5%, or a non-runner in a place market with a reduction factor of
   at least 4%, it is policy to cancel unmatched lay bets on all other runners
   in the market. In the case of any such non-runner, instead of being cancelled
   a lay bet for which the 'At In-Play: Take SP' option has been selected, will
   automatically convert to an SP bet. After this conversion, the bet cannot be
   cancelled. Otherwise, unlike an SP bet, you can choose to cancel an Exchange
   bet once it has been placed, even if you have chosen for the bet to persist
   or to convert to an SP bet at the start of the event.
 * If you choose to convert an unmatched Exchange lay bet to an SP bet, the
   liability of your Exchange lay bet will be converted into a liability for the
   SP bet. Your liability for that SP bet will never be more than the liability
   for the Exchange bet you had specified. However, the amount you can win on
   the SP lay bet may differ from the amount you would have won had the Exchange
   bet been matched, depending on the final SP.

➢ Adjustments to SP bets for non-runners

 * For SP back bets, will at no point amend either the stake or the odds
   requested by a customer, despite any non-runners or withdrawals. However,
   customers who have selected the SP limit option can reduce the minimum SP
   odds they are prepared to accept on a selection.
 * For SP lay bets on win markets, it will reduce a customer's liability based
   on the reduction factor(s) of any non-runner(s) and the reduction factor of
   the runner on which the customer's bet has been placed. This is to ensure
   that the balance between the backers' stakes and the layers' liability
   reflects the revised market after the runner has been removed. For example,
   if a horse with a 50% reduction factor becomes a non-runner, then another
   horse in the same market priced at about 5 (i.e. a reduction factor of 20%)
   will change to a price of about 2.5. Therefore, the liability on a £200 lay
   bet on that runner will need to change to a liability of about £75 to ensure
   that a balancing back bet will have the same £50 stake. This is done by
   multiplying the liability by 37.5% (i.e. 100%-(50%/ (100%-20%))).
 * Where an SP lay bet in a win market has a maximum odds limit specified, this
   limit will be reduced by the reduction factor of any non-runner, if the
   non-runner has a reduction factor of at least 2.5%.
 * For SP lay bets on place markets, it will still reduce a customer's liability
   based on the reduction factor(s) of any non-runner(s) but the calculation
   will be slightly different, in line with the application of place market
   reduction factors. The liability will be reduced by the reduction factor of
   the removed runner. Where the lay bet on a place market has a maximum odds
   limit specified, the potential winnings on the bet (i.e. the odds – 1) will
   be reduced by the reduction factor of the removed runner.
 * Where an SP lay bet in a place market has a maximum odds limit specified this
   limit will be reduced by the reduction factor of any non-runner.
 * SP lay bets will not be cancelled when there is a non-runner.

➢ Specific conditions for SP bets for non-runners in greyhound racing markets

 * ALL SP bets will stand so long as your trap selection is not vacant or after
   your bet placement a reserve runner is not subsequently entered to run from
   your trap selection.
 * ALL unmatched ‘Convert to SP’ bets will be cancelled when a reserve is
   added or a vacant trap removed.



11. 'KEEP' BETS OPTION

 * For markets that are scheduled to be turned in-play at the 'off', a customer
   can request that an unmatched Exchange bet should not be cancelled when the
   market is turned in-play. This is done by selecting the 'At In-Play: Keep'
   option in the bet manager (and confirming that request) and means that the
   unmatched bet persists when other unmatched bets are cancelled at the start
   of the event.
 * As described above, when a non-runner is removed from a horseracing market
   (apart for late withdrawals as described in the next bullet point below), it
   is policy to cancel unmatched offers to lay all other horses in the market if
   the non-runner has a reduction factor of 2.5% or greater for win markets, or
   4.0% or greater for place markets. In these circumstances offers to lay a
   horse with the 'At In-Play: Keep' option selected will not be cancelled.
   Instead the lay odds offered in place markets will be reduced in proportion
   with the reduction factors of any non-runner(s) and the same will apply in
   win markets providing the relevant non-runner has a reduction factor of at
   least 2.5%.
 * When there is a late withdrawal, may not have time to remove the non-runner
   from the market before turning it in-play. In such cases if can determine
   that the late withdrawal is a material runner (i.e. a selection with a
   reduction factor of approx. 20% or greater in the win market), it reserves
   the right to cancel ALL lay 'keep' bets (in both the win and ‘to be
   placed’ markets) before turning the market in-play. If it does not cancel
   lay 'keep' bets in the case of a late withdrawal (for example, it may not be
   possible to know which horse is withdrawn, at the time of the off), any such
   bets placed before the off and matched in-play will remain at the original
   selected price. This means that those lay 'keep' bets will not be subject to
   any reduction factor which as a result of the late withdrawal, will be
   applied after the completion of the race to bets matched at or before the
   'off'.
 * Otherwise, in exceptional cases reserves the right to cancel 'keep' bets to
   protect customers but, unless stipulated in the market rules or the market
   information, the general principle is that at no point will a 'keep' bet be
   cancelled by unless it remains unmatched when the market is closed (for the
   final time) at the end of the event.
 * For the avoidance of doubt this means that (for example) when a Material
   Event occurs in a soccer match and other unmatched bets are cancelled before
   the market is reopened, a keep bet will not be cancelled.



12. RULES FOR TOTE BETTING

 * When you place a Tote bet on the platform (for example a UK or South African
   Tote bet), you are betting against as counterparty to your bet. I will then
   strike a corresponding bet into the relevant Tote pool as applicable.
 * A link to the rules which apply to Tote bets struck as counterparty is
   provided within each of the relevant. If there is any conflict between those
   rules and either: the equivalent rules available on the relevant Tote website
   (for example on the UK Tote website in the case of UK Tote bets); or the
   equivalent rules applied by the relevant host racetrack, the rules on the
   relevant Tote website or applied by the relevant host racetrack, will
   prevail.



13. MISCELLANEOUS

 * All references to time periods in the Exchange Rules relate to the time zone
   in which the event takes place. For example, a reference to the start time of
   a football match, relates to the local kick-off time.
 * All information is done so in good faith. However, it cannot accept liability
   for any errors or omissions in respect of any information, such as the
   posting of prices, runners, times, scores, results or general statistics.
 * It reserves the right to correct any obvious errors and shall take all
   reasonable steps to ensure markets are administered with integrity and
   transparency.
 * If an incorrect team or competitor name is displayed (excluding minor
   spelling mistakes) or the incorrect number of teams, competitors or outcomes
   is displayed in any complete market or a market is otherwise loaded using
   incorrect information (for example the application of an incorrect exposure
   algorithm or a cross matching tool utilising an incorrect algorithm) or
   includes any obvious error such as the incorrect deployment of the cross
   matching tool, then It reserves the right to suspend the market and
   (providing it acts reasonably) to void all bets matched on the market.
 * Customers are responsible for ensuring that they satisfy themselves that the
   selection on which they place a bet is their intended selection. For example,
   in the case of a competitor bearing the same name as another individual not
   competing in the relevant event, the onus is on the customer to ensure that
   they know which competitor It has loaded into the relevant market and to
   ensure that they are placing their bet on their chosen competitor.
 * It reserves the right at any time in its sole and absolute discretion to
   suspend an Exchange market.
 * It may, in its sole and absolute discretion, decide to suspend betting on a
   market at any time (even if such suspension is earlier than anticipated by
   the Exchange Rules). In the interests of maintaining integrity and fairness
   in the markets, it may also void certain bets in a market or void a whole
   market in its entirety.
 * It reserves the right to amend the Exchange Rules at any time.
 * It reserves the right to cancel unmatched bets to protect customers at any
   time.
 * On the settlement of any market, amounts relating to
 * winnings/losses on bets; and
 * commission charges
 * will be rounded up or down to the nearest two decimal places (with the
   exception that rounding will always be down (and never up) in respect of
   amounts relating to winnings/losses in respect of BSP bets). By way of
   example, £3.333, will be settled as £3.33, whereas £3.335, will be settled
   as £3.34 (except that it will be settled as £3.33 in respect of an amount
   relating to winnings/losses in respect of BSP bets).
 * The Exchange Rules have been prepared in various languages other than English
   for reference only. In the event of any differences between the English
   version and the non-English version, the English version shall prevail.


Part C - Specific sports rules


1. American Football

 * All markets will be settled on the result including overtime unless stated
   otherwise in these American Football Rules or in the Market Information (e.g.
   the half time/full time market) or where the market has been unconditionally
   determined. If the game results in a tie after overtime all bets on the
   outright match winner market will be void.
 * If a match does not start on the scheduled starting date and is not completed
   within three days of the scheduled completion date, all bets will be void
   except for those on markets which have been unconditionally determined.
 * If a match starts but is later abandoned or postponed, then within three days
   of the scheduled start date:(a) at least 55 minutes of play must have
   elapsed; or (b) an official result must be 'called' by the relevant governing
   body; otherwise all bets will be void, except for those on markets which have
   been unconditionally determined. In those instances, if the scores are tied
   then all bets on the outright match winner market will be void.
 * For 'Individual player' markets, bets shall be void on any player who does
   not start in any down during the match.


2. Athletics

 * Where there is a presentation ceremony, markets will be settled on the
   official result of the relevant governing body at the time of the ceremony,
   regardless of any subsequent disqualification or amendment to the result.
 * If there is no presentation ceremony, outcomes will be determined in
   accordance with the official result of the relevant governing body,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in reporting
   the result).
 * Unless stated otherwise in the Market Information, if a track or field event
   is abandoned, cancelled or postponed and not completed within 7 days of the
   scheduled completion date, all bets will be void except for those on markets
   which have been unconditionally determined.


3. Australian Rules Football

 * Bets apply to regular time excluding overtime. However, bets on "Finals"
   matches apply to regular time including overtime except for those on markets
   which have been unconditionally determined or as stated otherwise in the
   Market Information (e.g. half-time/full-time markets). If the game results in
   a tie, dead-heat rules apply to bets on the match odds market.
 * If a match does not start on the scheduled starting date and is not completed
   within three days of the scheduled start date, all bets will be void except
   for those on markets which have been unconditionally determined.
 * If a match starts but is abandoned or postponed before half-time and not
   completed within three days of the scheduled start date then the match shall
   be deemed to be a tie and settled on dead-heat rules. If a match starts but
   is abandoned or postponed in the second half and not completed within three
   days of the scheduled start date then the match shall be settled on the
   official result of the relevant governing body. In both instances, bets on
   the match odds market will be settled as set out above and all other bets
   will be void except for those on markets which have been unconditionally
   determined.
 * All bets relating to any individual player will stand if they are listed in
   any 22-player squad on the match day, irrespective of whether they take any
   part in the match or not.


4. Baseball

 * These Baseball Rules apply to Major League Baseball (MLB), World Baseball
   Classic and Japanese Baseball only. All other baseball, including Finnish
   Baseball for example, will be governed by the rules set out in the General
   Rules and the Market Information.
 * If a match does not start on the scheduled starting date, all bets will be
   void.
 * If an MLB match starts but is later abandoned or postponed and an official
   result is not declared within three days of the scheduled start date, all
   bets will be void, except for those on markets which have been
   unconditionally determined.
 * If a Japanese Baseball match starts but is later abandoned or postponed and
   the match is not completed within three days of the scheduled start date, all
   bets will be void except for those on markets which have been unconditionally
   determined.
 * All bets will include extra innings, unless otherwise stated in the Market
   Information.
 * All bets on 'Total runs' or 'Run line' markets will be void unless there have
   been at least 9 innings completed (8 1/2 if the home team is ahead) except
   those on market which have been unconditionally determined.
 * In "Listed" markets, bets will be void unless both named pitchers listed in
   the market start as pitchers in the first fielding innings for their
   respective teams.


5. Basketball

 * Bets will be settled on the result including overtime unless stated otherwise
   in the Market Information or where the market has been unconditionally
   determined or as set out in these Basketball rules.
 * If a match does not start on the scheduled start date then all bets will be
   void.
 * If a match starts but is later abandoned or postponed then, within three days
   of the scheduled start date, (a) at least 43 minutes of play must have
   elapsed in any NBA match or 35 minutes of play must have elapsed in any other
   match; or (b) an official result must be 'called' by the relevant governing
   body; otherwise all bets will be void, except for those on markets which have
   been unconditionally determined. In these instances, if the scores are tied
   then dead heat rules will apply to bets on the outright match winner market.


6. Boxing and Mixed Martial Arts

 * All individual bout markets will be settled according to the official result
   of the relevant governing body immediately after the end of the fight,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in tallying
   the points or in order to correct an error in reporting the result).
 * If a fight is abandoned, cancelled or postponed and not completed within
   three days of the scheduled start date, or a boxer is withdrawn or
   substituted before the first-round bell, all bets will be void.
 * If a boxer retires before the start of a round, fails to answer the bell, or
   is disqualified for any reason between rounds, the fight will be deemed to
   have finished at the end of the previous round.
 * If one of the boxers is disqualified they will be deemed a loser.
 * If the scheduled duration of the fight is altered in time or number of rounds
   after the loading of the relevant markets, then all bets will be void.
 * If the scheduled venue is changed after the market has been loaded so that
   the new venue is changed to a venue in a different country then all bets will
   be void. For all other changes to the scheduled venue bets will stand.
 * In mixed martial arts, if a fight is declared a 'no contest', a draw or a
   technical draw then all bets will be void.


7. Cricket

➢ General

 * If a ball is not bowled during a competition, series or match then all bets
   will be void except for those on any market that has been unconditionally
   determined (e.g. in the 'Completed Match' market).
 * If a match is shortened by weather, all bets will be settled according to the
   official result (including for limited overs matches, the result determined
   by the Duckworth Lewis method).
 * In the event of a match being decided by a bowl-off or toss of the coin, all
   bets will be void except for those on markets that have been unconditionally
   determined.

➢ Test matches

 * If a match starts but is later abandoned for any reason other than weather
   (which may include but is not limited to: dangerous or unplayable wicket or
   outfield; pitch vandalism; strike or boycott; crowd protests/violence;
   stadium damage; acts of terrorism; and acts of God), It reserves the right to
   void all bets, except for those on markets that have been unconditionally
   determined.
 * If the match is not scheduled to be completed within five days after the
   original scheduled completion date, then all bets on markets for this event
   will be void, except for bets on any markets that have been unconditionally
   determined.

➢ Limited Over matches

 * If a match is declared "No Result'', bets will be void on all markets for the
   event except for those markets which have been unconditionally determined or
   where the minimum number of overs have been bowled as laid out in the market
   specific information.
 * In the event of a new toss taking place on a scheduled reserve day for a
   limited over match all bets that were placed after 30 minutes before the
   original scheduled start of play on the first day will be made void. This
   rule relates to all markets except those that have been unconditionally
   determined (e.g. in the win the toss and toss combination markets).

➢ Super Over rule

 * Which team will win this Super Over? This market will be suspended on site
   and activated once Betfair are aware a Super Over is to be played. The market
   will be turned in-play at the start of the Super Over. This market will not
   be actively managed therefore it is the responsibility of all customers to
   manage their positions. This market will be settled based on the number of
   runs scored by each team in the initial Super Over. For the avoidance of
   doubt, if scores are tied at the completion of both innings in the Super Over
   then the market will be settled as a Dead Heat except in cases where more
   than one Super Over is played, where it will be settled on the winner of the
   final over. Any tie breaker that may be used to determine a winner including
   but not limited to higher number of boundaries, higher number of sixes,
   losing fewer wickets, coin toss etc. do not count for the purposes of this
   market.


8. Cycling

 * Where there is a presentation ceremony, markets will be settled on the
   official result of the relevant governing body at the time of the ceremony,
   regardless of any subsequent disqualification or amendment to the result.
 * If there is no presentation ceremony, outcomes will be determined in
   accordance with the official result of the relevant governing body,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in reporting
   the result).


9. Darts

 * If a match is not completed for any reason then bets on the match odds market
   will be void.
 * If a match is not completed for any reason then bets on 'any correct score'
   or 'next leg/game/set' market will be void unless the market has been
   unconditionally determined.
 * If a match is not completed for any reason then bets on any handicap market
   will be void unless the market has been unconditionally determined.


10. Financial markets

➢ Indices

 * Intraday, Midday and PM markets will be settled on the first Bloomberg price
   stamp past the market closure time regardless of any subsequent amendment to
   the result (except if an amendment is announced within 24 hours of the
   initial settlement of the relevant market in order to correct an error in
   reporting the result).
 * All Daily markets, weekly markets and end of day Intraday markets will be
   settled on the official close price following any relevant auction period
   regardless of any subsequent amendment to the result (except if an amendment
   is announced within 24 hours of the initial settlement of the relevant market
   in order to correct an error in reporting the result).

➢ Equities

 * All equity markets will be settled on the official close price given by
   Bloomberg regardless of any subsequent amendment to the result (except if an
   amendment is announced within 24 hours of the initial settlement of the
   relevant market in order to correct an error in reporting the result).
 * Should a share split be announced, the market will be determined by the net
   change in value of the new share price at the close of the day’s trading.

➢ Interest Rates

 * Interest rate markets will be settled once the result is regardless of any
   subsequent amendment to the result (except if an amendment is announced
   within 24 hours of the initial settlement of the relevant market in order to
   correct an error in reporting the result).


11. House Price

 * For settlement purposes, the Standardized Average Price (seasonally adjusted)
   provided by HBOS will be used and markets will be settled once the result is
   regardless of any subsequent amendment to the result (except if an amendment
   is announced within 24 hours of the initial settlement of the relevant market
   in order to correct an error in reporting the result).
 * It will only use prices provided by HBOS. If the HBOS figures are
   discontinued or not available for any relevant period then all bets will be
   void unless stated otherwise in the Market Information.
 * All Quarterly markets may be incomplete markets and therefore additional
   "runners" may be added at any time to reflect the movements in house prices.

➢ Currency markets

 * All Currency markets will be settled using the first Spot price given by
   Bloomberg past the market closure time regardless of any subsequent amendment
   to the result (except if an amendment is announced within 24 hours of the
   initial settlement of the relevant market in order to correct an error in
   reporting the result).


12. Golf

➢ General

 * Tournament bets will only be settled if the minimum number of holes
   stipulated in the Market Information has been completed.
 * Where there is a presentation ceremony, markets will be settled on the
   official result of the relevant governing body at the time of the ceremony,
   regardless of any subsequent disqualification or amendment to the result.
 * If there is no presentation ceremony, outcomes will be determined in
   accordance with the official result of the relevant governing body,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in reporting
   the result).
 * If a player does not start a tournament then all bets on that player will be
   void.
 * Any player starting a tournament but withdrawing or being disqualified before
   the end of the tournament will be settled as a loser.
 * If a tournament is shortened and settles the tournament markets then all bets
   matched after the last completed round will be void.
 * In any 'to qualify' market for any tournament the winners are the number of
   golfers that qualify for the tournament under the terms set out in the Market
   Information, whether they compete in the tournament or not. Markets will be
   settled after the qualifying stage and any subsequent disqualification or
   amendment to results will not count.
 * If a Tournament/Round is restarted from the beginning, all bets placed after
   the official off time will be void, except on markets which have been
   unconditionally determined, which will stand. Bets on 2 or 3 balls will only
   be void if matched after the tee time of the relevant 2 or 3 balls.
 * If it does not suspend a tournament market and cancel unmatched bets at the
   time stated in the market rules but the market is turned in-play at a later
   time, all bets matched between the start of a day’s play and the time the
   market is turned in-play will be void.

➢ Tournament match betting (i.e. 72-hole match bets)



 * If a player withdraws without playing a stroke all bets on the relevant
   market will be void.
 * If all players fail to complete a particular round for any reason the winner
   is the player with the lowest total score after the previous round.
 * If a player is disqualified or withdraws during any round they will be
   settled as a loser providing at least one other player completes that round.
 * Should all players fail to complete the first round then all bets will be
   void.

➢ Round betting markets (e.g. 2 balls, 3 balls etc.)



 * If a player withdraws without playing a stroke in that round all bets on the
   relevant market will be void.
 * If one player fails to complete a round for any reason other than a
   withdrawal or disqualification then all bets will be void except for those on
   markets which have been unconditionally determined.
 * Any player withdrawing or being disqualified having played a stroke in that
   round will be settled as a loser providing at least one other player
   completes that round.
 * Should all players fail to complete the round then all bets will be void.

➢ Stroke play hole-by-hole markets (i.e. performance of a named player on a
given hole)



 * Should a hole not be completed for any reason all bets on that hole will be
   void unless the market has been unconditionally determined.
 * Markets are settled on completion of the hole and any subsequent penalties or
   disqualification will not be taken into account.

➢ Match play hole-by-hole markets (i.e. performance of players against each
other on a given hole)



 * With the exception of a player or team conceding a hole (where they are
   deemed a loser), if a hole is not completed by any player or team (other than
   for withdrawal or disqualification) all bets on that hole will be void unless
   the market has been unconditionally determined.
 * Any player or team withdrawing or being disqualified having played a stroke
   on that hole will be settled as a loser providing at least one other player
   completes that hole.
 * If any player or team does not play a stroke on a hole all bets will be void.
 * Markets are settled on completion of the hole and any subsequent penalties or
   disqualification will not be taken into account.


13. Greyhound racing

➢ General

 * All bets (excluding those struck on ante-post and Australian licensed
   markets) are placed on trap numbers. Greyhound names are displayed for
   information purposes only.
 * Markets will be determined according to the official result at the time the
   track gives the result green light status, either in the form of an
   announcement or by display. Subsequent disqualifications, appeals or
   amendments to the result will be disregarded.
 * If a non-runner or reserve runner is declared, then all bets prior to the
   update of the market on It will be void and all unmatched bets including
   ‘Take SP’ and ‘keep’ bets will be cancelled (except for certain SP
   bets as set out in Paragraph 10.5 of Part B above).
 * If there are no finishers in any race or any race is declared void before the
   official result is declared then all bets will be void.
 * If the scheduled venue is changed after the market has been loaded by It, all
   bets will be void.
 * In ante-post markets, all bets on individual greyhounds stand whether the
   greyhound runs or not. All ante-post bets will be void if the competition is
   abandoned or the venue is changed.

➢ Trap Challenge

 * Bets on 'Trap challenge' markets are based on which trap results in the most
   winners during a race meeting, unless stated otherwise in the Market
   Information.
 * These markets are unaffected by any changes due to non-runners or reserve
   runners.
 * If a race results in a dead heat each trap will receive a half-win, with a
   3-way dead heat giving a one third-win, and so on.
 * Standard dead heat rules apply if two or more traps have an equal number of
   winners at the end of both meetings.
 * If a whole meeting is abandoned all bets are void. However, if at least one
   race has been completed then bets on these markets will stand.

➢ Multi-trap or Multiplied Trap Numbers

 * 'Multi-trap' or 'multiplied trap numbers' bets are on the cumulative sum of
   the winning trap multiplied by the second trap for each race during a race
   meeting, unless stated otherwise in the Market Information. If the cumulative
   sum is not a round number then that sum shall be rounded up to give the
   applicable cumulative sum.
 * These markets are unaffected by any changes due to non-runners or reserve
   runners.
 * If a race is cancelled, void or abandoned or if there is only one finisher in
   a race, an eight runner-greyhound races will be allocated 20 points and all
   other races will be allocated 12 points.
 * If a whole meeting is abandoned all bets are void however if at least one
   race has been completed then bets on these markets will stand with the
   remaining races allocated 20 points for eight runner greyhound races and 12
   points for all other races.
 * Re-run races will be treated as cancelled races.
 * If there is a dead heat for the winner between two greyhounds then to
   calculate the applicable multi-trap number for that race the trap numbers for
   the greyhounds involved in the dead heat will be multiplied by each other to
   give the applicable multi-trap number.
 * If there is a dead heat for the winner between three or more greyhounds then
   to calculate the applicable multi-trap number for that race the trap numbers
   for the greyhounds involved in the dead heat will be added up and divided by
   the number of greyhounds involved in the dead heat and the resulting number
   will be multiplied by itself to give the applicable multi-trap number (even
   if not a round number). By way of example: traps 1, 3 and 6 dead heat for
   first. Add these numbers up gives 10; divide this number by the number of
   greyhounds in the dead heat (3) which gives a resulting number of 3.33;
   multiply 3.33 by itself to give 11.11.
 * If there is a dead heat for the runner up between two or more greyhounds then
   to calculate the applicable multi-trap number for that race the trap numbers
   for the greyhounds involved in the dead heat will be added up and divided by
   the number of greyhounds involved in the dead heat and the resulting number
   will be multiplied by the number of the winner to give the applicable
   multi-trap number (even if not a round number). By way of example: trap 1
   wins and traps 3 and 6 dead heat for second. Adding the numbers of the dead
   heating runners up gives 9; divide this number by the number of greyhounds in
   the dead heat (2) which gives a resulting number of 4.5; multiple 4.5 by the
   winning number (1) to give 4.5.

➢ Winning Distances

 * 'Winning distances' bets are on the sum of the winning distances for all
   races during a race meeting, unless otherwise stated in the Market
   Information.
 * The maximum winning distance in any race is 10 lengths.
 * If there is only one finisher in any race the winning distance will be deemed
   to be 10 lengths.
 * If a race is cancelled, void or abandoned the winning distance will be deemed
   to be 2 lengths.
 * Re-run races will be treated as cancelled races.
 * For distances below half a length, the following scale will be applied:
   Short-head 0.1; Head 0.2; Neck 0.3.
 * The sum of all the winning distances will be rounded to the nearest whole
   number at the end of the meeting (rounded up, if half) and bets will be
   settled on this result.
 * If a whole meeting is abandoned all bets are void. However, if at least one
   race has been completed then the remaining races are allocated 2 lengths each
   and bets will stand.

➢ Match Bets

 * 'Match Bets' for a race are determined by the greyhound with the highest
   finishing position in that race. If neither greyhound finishes the race bets
   are void. If only one of the greyhounds finishes the race, that greyhound
   will be deemed the winner. If a non-runner or reserve runner is declared then
   all bets will be void.
 * 'Match Bets' for progress in a competition are determined by the greyhound
   which qualifies to the furthest round (whether it runs in the further round
   or not). If the greyhounds concerned fail to qualify in the same round of the
   competition then the market will be settled as a dead heat, irrespective of
   their finishing positions in their individual heats.

➢ Reverse Forecasts

 * 'Reverse Forecast' markets are determined by those greyhounds placed first
   and second in a race.
 * If a dead heat affects the reverse forecast then dead heat rules apply.

➢ Place markets

 * The number of winners in 'to be placed' markets is as set out in the Market
   Information and is determined with reference to the number of runners when
   the market is loaded.
 * Once opened, the number of winners in 'to be placed' markets (as set out in
   the Market Information) will not be affected by further non-runners. If the
   number of potential winners is equal to or is greater than the number of
   runners, all bets in this market will be void.

➢ To Reach the Final and To Qualify markets

 * 'Reach the Final' markets shall be determined by the first six greyhounds who
   qualify from the Semi Finals of the competition and be settled as such
   regardless of whether they go on to run in the final or not.
 * 'To qualify' markets shall be determined by the greyhounds that qualify in
   the relevant heats irrespective of whether they run in the next round or not.
 * The 'reach the final' or 'to qualify' markets will be settled after the
   qualifying stages and any subsequent disqualification or amendment to results
   will not count.

➢ Ante-post

 * If a greyhound listed in an ante-post market dies, it will use the available
   information to determine the time of the greyhound's death. It will then,
   acting reasonably, determine whether the greyhound was a 'material runner' in
   the market. In determining whether a greyhound is a material runner, it will
   look at the general price of the greyhound immediately before the greyhound's
   death, in the market and in the wider betting market. Broadly, it will
   consider a greyhound to be a material runner if it is deemed to have an
   approximate chance of winning of 8-10 per cent or better.
 * If It determines that the greyhound was a 'material runner', then all bets
   struck in the market (on all selections) between the time of death and the
   suspension of the market will be void and all unmatched bets will be
   cancelled before the market is reopened.
 * If It determines that the greyhound was not a 'material runner', then just
   bets struck on the greyhound in question between the time of death and the
   suspension of the market will be void and unmatched bets will not be
   cancelled before the market is reopened.
 * Bets matched on greyhounds after they have forfeited their entry at a
   particular entry stage or where they have not qualified by the applicable
   qualifying date will be voided unless the race in question has a subsequent
   supplementary entry stage.
 * Where an event is postponed or rescheduled to another day at the same venue
   then ante-post bets will stand unless entries are reopened in which case all
   bets will be void.

➢ Australian Specific Non-Runner Rules

 * Notwithstanding any of the above, the following rules apply to declared
   non-runners in Australian greyhound markets.
 * If a greyhound becomes a notified non-runner after the market is loaded but
   prior to the commencement of the race it will be removed and all bets on the
   market, matched prior to the update of the market will be voided.
 * If, following the completion of a race, the stewards declare a greyhound a
   non-runner, it will resettle the market and will void all bets that were
   placed on that runner only. It will then apply a reduction factor to all bets
   placed on the winner (or place getters in the case of place markets) based on
   that runner’s weighted average price.



14. HORSERACING

➢ General

 * All individual race markets will be determined according to the official
   result at the time of the 'weigh-in' announcement (or equivalent). Subsequent
   disqualifications, appeals or amendments to the result will be disregarded.
 * If a race is abandoned or otherwise declared void, or in the event of a
   walkover, all bets on that race will be void.
 * If the scheduled venue is changed after the market has been loaded, all bets
   will be void.
 * Where a race does not take part on its scheduled day, all bets will be void.
 * If a scheduled surface type is changed (e.g. turf to dirt) all bets will
   stand.
 * Horseracing Exchange Multiples are based on ‘day of the race’ markets
   (and not ante-post markets). Horseracing ante-post rules do not therefore
   apply in relation to horseracing Exchange Multiples.

➢ Ante-post

 * Subject to the points below, in ante-post markets, all bets on an individual
   horse stand whether the horse runs or not.
 * For GB and Irish racing: if a horse is balloted out, all bets on that horse
   will be void.
 * If a horse listed in an ante-post market dies, it will use the available
   information to determine the time of the horse's death. It will be acting
   reasonably, determine whether the horse was a 'material runner' in the
   market. It will undertake a similar determination in cases where it is
   advised through official channels that a runner has been formally scratched
   from an ante-post race. In determining whether a horse is a material runner,
   it will consider the general price of the horse immediately before the
   horse's death (or immediately before being advised it has been scratched), in
   the market and in the wider betting market. Broadly, it will consider a horse
   to be a material runner if it is deemed to have an approximate chance of
   winning of 8-10 per cent or better.
 * If it determines that the horse was a 'material runner', then all bets struck
   in the market (on all selections) between the time of death (or the time that
   the formal scratching notification was created) and the suspension of the
   market will be void and all unmatched bets will be cancelled before the
   market is reopened.
 * If it determines that the horse was not a 'material runner', then just bets
   struck on the horse in question between the time of death (or the time that
   the formal scratching notification was created) and the suspension of the
   market will be void and unmatched bets will not be cancelled before the
   market is reopened.
 * Bets matched on horses after they have forfeited their entry at a particular
   entry stage or where they have not qualified by the applicable qualifying
   date will be voided unless the race in question has a subsequent
   supplementary entry stage.
 * Please be aware that runners who have not been entered at the various entry
   stages may be removed from relevant race markets and all matched customer bet
   prices set to 1.0 even if there are later supplementary stages. Should it
   appear likely that a specific runner may actually be supplemented into the
   race this runner will be reinstated with all matched customer bets set back
   to the original prices.
 * No Non-Runner Rule' reductions are made to ante-post bets.
 * All relevant bets will be void where an event is: abandoned and not
   rescheduled; or postponed and rescheduled to another venue; or postponed and
   rescheduled to another day at the same venue with entries for the race being
   reopened or reverting back to a previous entry or declaration stage provided
   any additional horses are entered or re-entered and such entries or
   declarations are considered, in absolute discretion, material to the betting
   on the race. For the avoidance of doubt, where a race is postponed and
   rescheduled to another day at the same venue, relevant bets will stand where
   entries/declarations at the time of postponement remain unaltered or include
   any non-material addition(s) prior to the rescheduled race.

➢ Place Terms for Exchange markets

 * The number of winners in 'to be placed' markets is as set out in the Market
   Information and is determined with reference to the number of runners when
   the market is loaded.
 * Once opened, the number of winners in 'to be placed' markets will not be
   affected by further non-runners.
 * If the number of winners stated in the Market Information is equal to or is
   greater than the number of runners, all bets in this market will be void.
 * If the number of placed horses is less than the number of potential winners
   listed in the Market Information, the winners will only be the placed horse
   or horses.

➢ EW markets

 * The place portion of any "Each Way" bet will be settled according to the
   number of 'places' and at the fraction of the win portion profit stated in
   the market information.
 * For example: “EW Terms: 1/5th odds, 3 places”. That “1/5th” is
   applied to the traditional or fractional odds, which are 1 less than decimal
   odds, so the calculation of the Place odds corresponding to Win odds of 8.0
   in this market is ((8.0 – 1) / 5) + 1 = 2.4.
 * Once opened, the number of places in 'EW” markets will not be affected by
   further non-runners unless the number of ‘places’ which are offered on
   the ‘Each Way’ market is equal to or exceeds the number of runners in
   which case, the place portion of any EW bet will be voided at settlement.

➢ Winning Distance Bets

 * Unless stated otherwise in the Market Information, winning distances' bets
   are on the sum of the winning distances from each race on one particular day
   at a race meeting.
 * The winning distance in a race will be the officially declared distance
   between the first two horses past the post. However, if either the first or
   second horse past the post is disqualified because: (i) of an incorrect
   weight carried; (ii) they have taken the wrong course; (iii) the jockey of
   either horse fails to weigh in, or weighs in light after the race; then in
   each case the winning distance shall be that between the first and second
   horse under the official result.
 * For the purpose of this bet, the maximum distance on any individual race will
   be 12 lengths for Flat races and 30 lengths for National Hunt races (which
   includes National Hunt Flat Races) and these distances will be applied where
   only one horse finishes a race. For distances below half a length, the
   following scale will be applied:
    * Nose: 0.05 length
    * Short-head: 0.1
    * Head: 0.2
    * Short-neck: 0.25
    * Neck: 0.3

 * If a meeting has three or more races abandoned or declared void, then all
   'winning distance' bets will be void, unless the entire market has been
   unconditionally determined.
 * When only one or two races are abandoned or declared void, then 'winning
   distance' bets will be settled with a default distance used for each
   abandoned or void race. The default distances are 2 lengths for Flat races
   and 10 lengths for National Hunt races.
 * In the case of a walkover the following distances will be applied:
    * Flat: 5 lengths
    * National Hunt: 12 lengths

➢ Non-Runner Rule

 * Non-runner rule relates to the adjustment of odds on bets already matched
   when a horse in a race is declared a non-runner. In order to make the
   adjustment applies a reduction factor to the remaining runners. The reduction
   factor allocated to a non-runner is a calculation (the details of which are
   described below) of that horse's chances of winning (or being placed, etc. as
   appropriate) and is applied to bets already matched on the other runners in
   the relevant market or markets.
 * Any horse listed when the relevant market is loaded which does not
   subsequently come under starter's orders is deemed to be a non-runner.
 * When the market is loaded each horse is given a 'reduction factor', based on
   a forecast price, which is expressed as a percentage. These reduction factors
   may be updated periodically at the discretion based on trading in the market,
   but after approximately 15 minutes (approximately 5 minutes for Australian
   and US markets) from the scheduled 'off' time of a given race, they will be
   updated only in exceptional circumstances.
 * Reductions will be made to both win and place markets but applied differently
   (as described below), and horses will have a different reduction factor for
   each market.
 * As soon as becomes aware that a horse is an official non-runner or a highly
   likely non-runner, following a statement to the press from connections, the
   following will happen:
 * All matched bets on that horse will be void and the horse will be removed
   from the market.
 * In the win market: if the reduction factor of the non-runner is 2.5% or
   greater, the traded price of all the matched bets on the remaining horses
   will be reduced by an amount equal to the non-runner's final reduction factor
   and all the unmatched offers to lay will be cancelled. If the non-runner's
   reduction factor is less than 2.5%, reductions will not be applied and
   unmatched bets will not be cancelled.
 * In the place market, the reduction factor of all non-runners will be applied
   (even if less than 2.5%) and the potential winnings in relation to matched
   bets on the remaining horses will be reduced by an amount equal to the
   non-runner's final reduction factor. Only if the non-runner's reduction
   factor is 4.0% or greater will all the unmatched offers to lay be cancelled.
 * All the reduction factors on the remaining horses will be adjusted to reflect
   their improved chance of winning.
 * Reduction factors are not applied to bets which are struck in-play. However,
   if a market is turned in-play prematurely by error (or, for example, there is
   a false start), all bets matched during this time will be subject to any
   later reduction factor, provided the market is turned out of play before the
   race commences. In the event of a late withdrawal, it reserves the right to
   remove the runner after completion of the race. In this case only those bets
   matched prior to the off will be affected by a reduction factor.
 * In the event of a non-runner being removed from a race in error or following
   incorrect information regarding a runner’s participation, it will reinstate
   both the runner and all previously matched bets associated with that runner.
   All bets made between the time of withdrawal and reinstatement will be void
   in both the place market and the win market. The reduction factor applied to
   matched bets at the time of withdrawal will be reversed and the original
   prices will become valid.
 * Any non-runners will be removed from the relevant markets in the order in
   which they are brought to attention. If It becomes aware of more than one
   non-runner at the same time, it will remove the non-runners from the relevant
   markets in race card order.
 * If a runner is not included in a market because of an error or because of
   incorrect information regarding a runner’s participation, It reserve the
   right to introduce the missing runner into the market at any time prior to
   settlement (even after the race has been run), provided that It has
   determined that the missing runner is not a material runner (i.e. a selection
   with a reduction factor of approx. 2.5% or less in the win market). In such
   circumstances, all pre-play unmatched and matched bets will stand, however if
   the runner is not introduced before the start of the race, all in-play bets
   will be void. However, if the missing runner is deemed to be a material
   runner, then the malformed market will be void and a new market will be
   loaded where possible.

➢ How the Reductions are applied for Exchange markets

 * In the win market, reductions will be made on the traded price.
 * For example: if the non-runner's final reduction factor is 25% the traded
   price on all previously matched bets on other horses will be reduced by 25% -
   traded price of 8.0 would become 6.0 etc. And these might be further reduced
   if another horse is subsequently declared a non-runner.
 * In the EW Market, reductions will be made on the traded win price. The
   advertised place terms will then apply to the revised win prices.
 * For example: if the non-runner's final reduction factor is 25% the traded
   price on all previously matched bets on other horses will be reduced by 25% -
   - traded price of 8.0 would become 6.0. If each Way terms were 1/5th odds for
   3 places, the corresponding price for the Place portion of the bet would
   reduce from 2.4 to 2.0.
 * In the place market, reductions will be made to the potential winnings on the
   bet only, and not the traded price.
 * For example: if the non-runner's final reduction factor is 25% the potential
   winnings on all previously matched bets on the other horses will be reduced
   by 25% - a traded price of 8.0 would become 6.25. For example, a £10 bet on
   a horse to be placed at a traded price of 8.0 would provide winnings of £70.
   If there is a non-runner with a reduction factor of 25% in the race, that
   factor will be applied to the £70 of potential winnings leaving potential
   winnings of £52.50. Therefore, the revised traded price will be 6.25.
 * The traded price may be further reduced if any other horse(s) is subsequently
   declared a non-runner, however odds cannot be reduced below 1.01.
 * Reserves: A reserve runner may appear in the relevant markets but will have a
   non-applicable reduction factor until It has received confirmation that it is
   a confirmed runner, in which case an applicable reduction factor may apply to
   it.
 * For the avoidance of doubt, any reduction factor applicable to a non-runner
   replaced by a reserve, will be applied to all bets struck on the relevant
   markets, prior to the removal from those markets of such non-runner.
   Likewise, should a reserve runner become a confirmed runner but subsequently
   become a non-runner, any reduction factor applicable to such non-runner will
   be applied to all bets struck on the relevant markets, prior to the removal
   from those markets of such non-runner.

➢ Additional rules

 * Card numbers are posted as a guide only: bets are placed on a named horse.
 * Horses will not be coupled.
 * Where any horse(s) runs for purse money only it is deemed a non-runner for
   betting purposes. Should this result in the number of possible winners stated
   in the relevant Market Information being equal to or greater than the number
   of runners in the relevant market, all bets in the market will be void.



15. ICE HOCKEY

 * All bets on "Regular Time" markets will be settled on the result at the end
   of regular time, excluding overtime. All bets on " Moneyline " markets will
   be settled at the result at the end of regular time including "overtime and
   any shootouts that may be played".
 * 'Puck Line' markets (i.e. handicap markets for NHL (National Hockey League)
   matches) will be settled on the final result including any overtime and any
   shootouts that may be played. All 'handicap' markets on other matches will be
   settled on the result at the end of regular time, excluding overtime.
 * If a match does not start on the scheduled start date and is not completed
   within three days of the scheduled start date, all bets will be void except
   for those on markets which have been unconditionally determined.
 * If a match starts but is later abandoned or postponed then, within three days
   of the scheduled start date, (a) at least 55 minutes of play must have
   elapsed in any match; or (b) an official result must be 'called' by the
   relevant governing body; otherwise all bets will be void, except for those
   which have been unconditionally determined. In these instances, if the scores
   are tied then for " Moneyline " matches (where no tie is offered) dead heat
   rules will apply to bets on the outright match winner market.



16. ROWING

 * If a crew or individual starts a race but does not complete it then they will
   be deemed a loser providing at least one other crew or individual completes
   the race. If no crew or individual completes a race then all bets will be
   void.
 * If a regatta is cancelled for any reason, all bets will be void, except those
   on markets which have been unconditionally determined.
 * Where there is a presentation ceremony, markets will be settled on the
   official result of the relevant governing body at the time of the ceremony,
   regardless of any subsequent disqualification or amendment to the result.
 * If there is no presentation ceremony, outcomes will be determined in
   accordance with the official result of the relevant governing body,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in reporting
   the result).



17. RUGBY UNION AND RUGBY LEAGUE

 * 'Tournament points' and 'tournament tries' bets will apply to all playing
   time, including any extra-time in any match where an official result is
   declared.
 * For 'time of first try' bets, if the try is scored in the second half, the
   first half is deemed to have lasted 40 minutes, regardless of stoppage-time.
   If no try is scored, or the try is scored in second half stoppage-time or
   extra-time, the result is 80.
 * For the purpose of markets involving tries, penalty tries will count with the
   exception of 'first individual try scorer' markets where penalty tries will
   not count.
 * If a match starts but is abandoned before its completion, all bets will be
   void unless an official result is declared by the applicable governing body.
   Where an official result has been declared by the official governing body,
   that official result will govern match and handicap market settlement but all
   other markets will be void unless their result has already been determined at
   the point of abandonment (i.e. at the point of abandonment, it would not have
   been possible for the outcome of the bet to change had the match continued to
   its natural conclusion). By way of example, if 37 points have been scored at
   the time a match is abandoned: (i) a bet placed on 35 points or more to be
   scored would be settled as a winning bet, (ii) a bet placed on 30-35 points
   to be scored would be settled as a losing bet and (iii) a bet placed on 40-45
   points to be scored would be void. In such circumstances, bets on last try
   scorer / team to score last / team to score last try / last scoring play
   would all be void.



18. SNOOKER AND POOL

 * In the event of a match starting but not being completed, the player
   progressing to the next round will be deemed the winner (or in the case of
   the final the player declared the winner).
 * If a match is not completed for any reason then bets on 'any correct score'
   or 'next frame' market will be void.
 * If a match is not completed for any reason, bets on any handicap market will
   be void unless the market has been unconditionally determined.



19. SOCCER

If it does not suspend a market on time for the occurrence of a Material Event,
it reserves the right to void bets unfairly matched after the Material Event has
occurred. Voiding of these bets may take place during the event or
retrospectively once a game is completed. If a match has not started (or
believes that a match will not have started) by 23:59 (local time) on its
scheduled start date, then all bets will be void unless it has knowledge that
the match has been rescheduled to be played within three days of its original
start date. If a match starts but is later abandoned or postponed and believes
that the match will not have been completed by 23:59 (local time) on its
scheduled start date, then all markets, with the exception of any
unconditionally determined markets, will be void unless it has knowledge that
the match has been rescheduled to be played within three days of its original
start date. If it does have knowledge that the game will be played within three
days and the game is played within three days, then all bets will stand except
if the match is restarted from the beginning. If the match is restarted from the
beginning then all bets matched before the market went in-play will stand, but
any bets placed in-play will be void, except for any bets placed in-play on
markets which have been unconditionally determined, which will stand. For
Friendly matches, all bets apply to the full duration of play according to the
match officials, plus any stoppage time. If a friendly match starts but is later
abandoned or postponed and is not completed (i.e. the full duration of play
according to match officials, plus any stoppage time) within three days of the
scheduled start date, all bets will be void except for those on markets which
have been unconditionally determined. In the case of ambiguity over the official
result from match officials, the outcome will be determined (acting reasonably)
using information from independent sources. If an official fixture lists
different team details to those listed (for example, the team name, reserves,
age group, gender, etc.), then all bets matched on the affected markets will be
void. In all other cases, bets will stand (including instances where a team name
is listed without specifying the term 'XI' in the name). If an official fixture
is shown on the website under an incorrect competition name, then it reserves
the right to void all bets matched on the affected markets. If a team is
relegated from a league because, at the end of a season, it has finished within
the relegation positions which are relevant to that league (i.e. usually any of
the bottom three league positions), bets on that team to be relegated will be
settled as winning bets. If a team is otherwise disqualified, thrown out or
removed from a league (i.e. in circumstances other than those where it has
finished the season within the relevant relegation positions): (i) if such team
is disqualified, thrown out or removed from the league before the relevant
season has started, all bets on the affected market will be void (and a new
market will subsequently be loaded) and (ii) if such team is disqualified,
thrown out or removed from the league after the relevant season has started (or
a determination is made by the applicable governing body, during the season,
that the team will be thrown out or removed from the league following the
season’s conclusion), all bets on the affected team will be void. For the
avoidance of doubt, if a points deduction is imposed on a team such that it
finishes the season within the relegation places which are relevant to the
applicable league, bets on that team to be relegated will be settled as winning
bets. The relevant season will be deemed to have started once the first league
game has been played. For the purposes of this rule, markets relating to
individual matches will not be deemed to be "affected markets". 'Shirt numbers'
bets will refer to the shirt number allocated at the start of the match. 'Shirt
numbers' bets will include own-goal scorers. Any player whose shirt bears no
number will be allocated the number 12. For 'time of first goal' bets (i.e.
"First Goal Odds" markets), the first half is deemed to last 45 minutes,
regardless of stoppage time. Also for these markets, please note that the "0 -
10 Minutes" selection covers the first 10 minutes of the match. In other words,
it runs from 0:00 until just before the clock hits 10:00. The "11 – 20
Minutes" selection runs from 10:00 until just before the clock hits 20:00. The
same principle applies to each of the other selections in this market. For 'top
goal scorer' markets only the goals scored in the league or competition stated
in the Market Information count. For example, if a player joins a club
mid-season any goals scored in a different league will not count, however goals
scored for a different club in the same league will count. Own goals will not
count. In markets which relate to the number of incidents to occur, such as
'number of corners', these will be determined on the basis of the number taken,
rather than awarded. For markets that relate to the number of bookings given,
the number of corners taken, any goal scorer or the time of a particular goal,
the result will be determined (acting reasonably) using information from
independent sources. In such cases, if any new information comes into the public
domain within 48 hours of settlement, then it shall (acting reasonably)
determine either: (i) whether the market should be reinstated or resettled in
light of this new information; or (ii) to wait for further information before
deciding whether to reinstate or resettle the market. Except it has announced
that it is waiting for further information, any information that comes into the
public domain more than 48 hours after a market has been settled shall not be
considered (regardless of whether or not such information may have led to a
different result).



20. SWIMMING

 * Where there is a presentation ceremony, markets will be settled on the
   official result of the relevant governing body at the time of the ceremony,
   regardless of any subsequent disqualification or amendment to the result.
 * If there is no presentation ceremony, outcomes will be determined in
   accordance with the official result of the relevant governing body,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in reporting
   the result)



21. TENNIS

 * If a player or pairing retires or is disqualified in any match, the player or
   pairing progressing to the next round (or winning the tournament in the case
   of a final) will be deemed the winner. However, if less than one set has been
   completed at the time of the retirement or disqualification then all bets
   relating to that individual match will be void.
 * All bets relating to the number of occurrences of certain events within a
   tournament will be void if the tournament is reduced in length, postponed or
   cancelled, except for those on markets which have been unconditionally
   determined.
 * All bets will stand regardless of changes to scheduled venues, including any
   changes to a different type of surface.
 * If the scheduled duration of a match is reduced or increased in the number of
   games/sets required to win, all bets will be void except for those on markets
   which have been unconditionally determined. Please note that this does not
   apply to ‘Match Odds’ or ‘Set Winner’ markets on Davis Cup matches or
   ‘dead rubber’ matches that have been shortened from five sets to three
   sets after the market has been loaded, provided that the match has been
   shortened in accordance with the competition’s rules.
 * Where markets are offered on individual games or sets within a match, a
   retirement or disqualification during a game or set will render bets on that
   game or set market and all individual game or set markets void except those
   on markets which have been unconditionally determined.



22. WINTER SPORTS (WHICH MAY INCLUDE, AMONGST OTHERS, ALPINE SKIING, BIATHLON,
CROSS-COUNTRY SKIING AND SKI-JUMPING)

 * Where there is a presentation ceremony, markets will be settled on the
   official result of the relevant governing body at the time of the ceremony,
   regardless of any subsequent disqualification or amendment to the result.
 * If there is no presentation ceremony, outcomes will be determined in
   accordance with the official result of the relevant governing body,
   regardless of any subsequent disqualification or amendment to the result
   (except if an amendment is announced within 24 hours of the initial
   settlement of the relevant market in order to correct an error in reporting
   the result).
 * Unless stated otherwise in the Market Information, if an event is abandoned,
   postponed or cancelled, all bets will be void unless (a) the event is
   completed at the same venue within 7 days of the official scheduled
   completion date; or (b) a result is 'called' by the relevant governing body.
 * The General Rules will apply for 'match bets'. However, in respect of "Nordic
   Combined" if all competitors involved in the match bet do not start both
   sections of the event (ski jumping and cross country) then bets will be void.


KYC


KNOW YOUR CUSTOMER POLICY

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Please note that the identification procedures shall be done before a cardholder
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WHY DO I NEED TO PROVIDE DOCUMENTATION?

There are several reasons:

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RESPONSIBLE GAMING

BAAJIWALA is committed to endorsing responsible wagering among its customers as
well as promoting the awareness of problem gambling and improving prevention,
intervention and treatment.


BAAJIWALA’s Responsible Gambling Policy sets out its commitment to minimizing
the negative effects of problem gambling and to promoting responsible gambling
practices.


BAAJIWALA supports the generation of online gamblers offering them a wide range
of games and entertainment. We also take responsibility for our product line-up.


The aim of BAAJIWALA is to provide the world’s safest and most innovative
gaming platform for adults. The offered clear and safe products allow each user
to play within his financial means and to receive the highest quality service.
Integrity, fairness and reliability are the guiding principles of BAAJIWALA’s
work. It is therefore clear that BAAJIWALA should do its best to avoid and
reduce the problems, which can arise from participation in gambling,
particularly in cases of immoderate playing. At the same time it is important to
respect the rights of those who take part in games of chance to a reasonable
extent as means of entertainment.


Responsible Gaming at BAAJIWALA is based on three fundamental principles:
Security of the player, Security of the game and Protection against gaming
addiction. Together with research institutes, associations and therapy
institutions, we work on creation of a responsible, secure and reliable
framework for online gaming.



PLAYER SECURITY

We take responsibility for the security of our players. Protection of the
players is based on forbidding the attendance of the minors from participation
in games and the protection of privacy, which involves responsible processing of
personal data and payments. Fairness and the random nature of the products
offered are monitored closely by independent organizations. Marketing
communication is also geared towards player protection: we promise only what
players can receive in our transparent line.



PROTECTION AGAINST GAMING ADDICTION: RESEARCH €“ PREVENTION €“ INTERVENTION

The majority of users who make sports bets, casino bets and other gaming offers
play in moderation for entertainment. Certain habits and behavior patterns (such
as shopping, playing sports, eating or consumption of alcohol) which are
considered to be normal and not causing any concern can develop into addiction
for some people and cause problems. In the same way, bets on sports and gambling
can lead to problems for a small group of customers. Clients with gaming
addiction are prohibited from further participation in the gaming line-up.
Subsequently the customers are provided with contacts of organizations where
they can receive professional advice and support.



SELF-RESPONSIBILITY IS THE MOST SUSTAINABLE FORM OF PREVENTION

The basic principle promoted by BAAJIWALA is that the final decision and
responsibility on whether to play or not, and how much money can be spent on the
game should be assumed by the customer himself. Self-responsibility of the
customer is therefore the most effective form of protection from addiction.
BAAJIWALA sees its responsibility in assisting the customers by providing
transparent products, full information and keeping a clear line of conduct.



PROTECTION OF MINORS

BAAJIWALA does not allow minors (persons under the age of 18) to participate in
games and make bets. That’s why the confirmation of having reached the age of
majority and the confirmation of date of birth are mandatory requirements during
registration. BAAJIWALA considers the issue of minors taking part in games and
betting very seriously. In order to offer the best possible protection of
minors, we also rely on the support of parents and caregivers. Please keep your
data for account access in a safe place (user ID and password). Furthermore, we
would recommend that you install filter software. This software will allow you
to restrict the access to Internet resources inappropriate for children and
teenagers.



RESPONSIBILITY TOWARDS PROBLEMS

BAAJIWALA offers a variety of games and bets, which are forms of entertainment
for the majority of customers. At the same time the company takes responsibility
for its customers by providing support and tools for maintenance of a secure and
entertaining environment taking into account the associated risks. The clients
who have difficulty in assessing risks, recognizing their own limits or those
who suffer from gambling addiction are not able to enjoy our product line-up
responsibly and perceive it as a form of entertainment. BAAJIWALA takes
responsibility for such users by blocking their access to its products for their
own protection.



GET INFORMED WITH THE MAIN ISSUES!

Most people play for pleasure. Moderate participation in games within their
financial capacity is fully acceptable. However, for a small percentage of
people gambling is not a form of entertainment, it is a challenge that must be
considered seriously.



WHAT IS THE PROBL@TIC GAME BEHAVIOR?

A problematic game behavior is considered to be such behavior, which interferes
mode of life, work, financial position or health of a person or his family. Long
participation in games is counter indicative to such person as it can lead to
negative consequences. In 1980 the pathological game dependence has been
officially recognized and enlisted in the list of psychological diseases of
international classification system DSM-IV and ICD-10. It is defined as long,
repeating and frequently amplifying inclination for game, despite of existing
negative personal and social circumstances, such as a debt, rupture of family
relations and delay of professional growth.



IN WHAT CASES BEHAVIOR OF A PERSON SHOULD BE CONSIDERED AS DEPENDENCE?



It is necessary to underline that the diagnoses of game dependence can be
qualified only by experts. The material presented on this web-page will help you
to estimate and define your own game behaviour. The special hazard of addictions
that are not associated with any substance is that it is very difficult to
define the line between pleasure and addiction. Nevertheless, there are some
diagnostic signals that may point out the existing problems. In the presence of
at least five of the following symptoms, the likelihood of the severe dependence
is high:

 1.  The player is deeply involved in gambling, all his thoughts are only about
     the game.
 2.  Bet sum increases in course of time.
 3.  Attempts to quit or control his participation in the games appear to be
     unsuccessful.
 4.  When limiting his participation in gambling, a person experiences
     irritation and disappointment.
 5.  The game is a way to escape from problems or discomfort.
 6.  The player tries to win back the lost amount,
 7.  Lies about his playing behavior,
 8.  Commits illegal acts,
 9.  Spoils or breaks the relationship with family and colleagues,
 10. Borrows to participate in the games.



RULES FOR RESPONSIBLE GAMES



Following the rules placed below, you can enjoy the game without anxiety:

 1. Start playing only when you are calm and concentrated.
 2. Take regular breaks.
 3. Define for yourself beforehand the monthly amount you can spend on the game.
 4. Once setting a maximum limit, do not further increase it.
 5. Before you start playing, define the maximum amount of winning, after
    reaching of which you should stop playing.
 6. Define the amount you can afford to lose beforehand.
 7. Do not start playing under alcohol or drug influence.
 8. Do not start playing in a depressed state.






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