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TERMS AND CONDITIONS

1. About These Terms and Conditions.

Welcome to Casumo!

1.1 These Terms and Conditions (“T&Cs”) will govern the use of all products and
services on our Website including without limitation sports (including virtual
sports) and casino products and services. “Website” or “Websites” refers to
www.casumo.com and downloadable applications licensed to, or belonging to Us,
when accessed via any platform, smartphone or other device.

1.2 It's important that you understand that these terms are legally binding, and
apply to customers’ (“Customer” or “You” or “Your”) registration of an account
with Casumo, including any use of any product, services, App, or website hosted
or managed by Casumo (the “Services”).

1.3 Our T&Cs comprise this document, being the General Terms and Conditions,
together with the following which also form part of our legal and binding
contract with you:

 * Sports Terms and Conditions;

 * General Bonus Terms;

 * Mahjong Ts & Cs;

 * Withdrawal Policy;

 * Responsible Gaming - “Casumo Cares” & “Play Okay”

 * Privacy Policy; and

 * Cookie Policy. 

 * In addition, when You take advantage of any bonus, promotion, loyalty scheme,
   or promotional offer, those offers will have specific terms which apply to
   that bonus, scheme or offer as displayed to you.

1.4 By selecting the “I accept the Terms and Conditions” box when You create an
account with Casumo you are confirming that you have read and understood these
Ts & Cs and the Privacy Policy and agree to be bound by them as may be amended
by us from time to time. The version of the Terms and Conditions is currently
Version 1 and was last updated in November 2021. This version supersedes any
previous terms and conditions and is valid until a new version is in placed on
www.casumo.com.

1.5 Casumo reserves the right to modify these T&Cs and, thus, to amend the
Agreement between You and Casumo at any time. You will be notified in advance of
any amendments which are material. Amendments are effective immediately upon
these becoming available on www.casumo.com and/or when you continue to use the
Services. You are entitled to decline to accept the amended T&Cs, however, if
you choose to do so you will no longer be able to make use of the Services. You
will nonetheless be able to withdraw all available funds and ask customer
support to close Your account.

1.6 If you have any questions about these Terms and Conditions you should
contact us on customer support at hey@casumo.com before proceeding. Should you
not agree with any of these T&Cs, please do not use the Services. Use, or
continued use of the Services confirm your agreement with and understanding of
these T&Cs. 

1.7 Rules and explanations for participating in any of games (including Live
Casino, sports and virtual sports, mahjong, bingo, or other games or services),
or maintaining your account with Casumo, and other important information is
provided in separate links on the Website and are incorporated into these T&C by
reference.

1.8 Casumo games may be unavailable in certain territories, and Casumo reserves
the right to remove or to add games to the Website. This is and remains at the
sole discretion of Casumo and/or the licensor which is providing the relevant
games to Casumo, as applicable. 

1.9 In these T&Cs, a reference to ‘fraud’ shall be deemed to include ‘bonus
abuse’. Bonus abuse includes, but is not limited to, opening more than one
account in order to claim an additional bonus or benefit.

1.10 These T&Cs shall be published in English and may also be published in a
number of other languages. All language versions shall reflect the same
principles. In case of any discrepancy between the English language version and
the non-English language version of these T&Cs, the version which is most
beneficial to the player shall prevail.

1.11 In the event of any inconsistency between these Terms and Conditions and
the specific rules of the game, these Ts and Cs shall take precedence.

2. About Casumo

2.1 When You register an account, you register with Jocularis Limited a company
based in Gibraltar with Company Number: 121395 and its registered address at
Suite 5B, Watergardens 1, Gibraltar (“We”, “Casumo” “Us” or “Our”).

2.2 We are licensed in Gibraltar and regulated by the Government of Gibraltar
acting by the Gibraltar Gambling Commissioner and Licensing Authority (“GLA”) to
offer online bookmaking and casino services. These services are operated under
Our B2C Bookmaker’s License No. 127 and B2C Gaming Operators License No 126
under the Gambling Act 2005 (as amended) (the “Act”).

2.3 Our customers’ funds are held in segregated accounts with a licensed
financial institution, and which are held separate from other funds - this means
that they are not subject to enforcement, seizure or execution of any claim
against Us and these funds are not considered to form part of Our assets in the
event of insolvency. Consequently, in the event of Our insolvency, steps have
been taken to protect Your funds.

2.4 We have the right to appoint payment solution providers to act, receive
and/or pay funds on our behalf. 

2.5 Note that Casumo is not a financial institution, and thus funds deposited
into your account will not earn or be due any interest whatsoever. Casumo does
not grant any credit for the use of its Services.

2.6 Casumo provides no legal or tax advice, and You are and shall be solely
responsible for determining whether any taxes are payable on winnings you
collect from Casumo, and for paying them if applicable. 

3. About You 

3.1 You declare that You are over 18 years of age or comply with a higher
minimum legal age as stipulated in the jurisdiction of Your residence under the
laws applicable to You. It is Your sole responsibility to know whether online
gambling is legal in Your country of residence and any and all liability
resulting therefore from will be solely Yours. It is illegal to open an account,
use Our Website or otherwise use any of Our services if You are under the age of
18.

3.2 We do not offer services to persons who are identified as Politically
Exposed Persons (PEP). Should You be identified as a PEP at any stage, Your
account will be closed and any remaining real money balance will be returned
(subject to general regulatory obligations). If You disagree with Our
determination of Your PEP status and wish to challenge it, please contact us on
hey@casumo.com.

3.3 You may not use any of Our services if You or a member of Your household are
or have been in the past two (2) years an employee or full-time consultant with
the Casumo Group. 

3.4 You are fully aware that use of the Services is at your sole option and
discretion, and that there is a risk of losing money whilst gambling. You are
solely responsible for any such loss and shall have no claims against Casumo or
its directors and officers, and You shall not attempt to contact them via any
social media channel with the intention of any threatening or bullying
behaviour. In the event that You use any of Our Services, then you acknowledge
that You are solely and fully responsible for Your losses and that you shall
have no claim against Us for any such losses.

3.5 You declare that you shall participate in the games strictly in Your
personal non-professional capacity for recreational and entertainment reasons
only and in accordance with all laws, rules and regulations. We do not allow the
use of robotic, automated, mechanical, electronic or other devices to make
automated decisions in any game or in respect of any bet on Our Websites,
whether such use is attempted or effected by You, or by any third party on Your
behalf. You are also prohibited from utilising an external resource that is
designed to or which serves the purpose to provide a player with an unfair
advantage. Such prohibited external resources may include, but are not limited
to, third-party software applications and databases as well as websites,
web-based databases, subscription services and the assistance of any other
person regardless of whether or not that person is also the holder of an
account. 

3.6 If You have reasonable grounds to suspect that another player is taking any
unfair advantage through cheating or collusion, please report the suspicion to
Us by sending an email to hey@casumo.com.

3.7 You shall not be permitted to access our Website under any circumstances if
you reside in any of the following jurisdictions, which may be accessed here:
(“Restricted Territory”). This list may be updated at any time in accordance
with applicable guidelines and/or our internal assessments carried out at our
sole discretion.

4. Creating an account 

4.1 Single accounts

To be able to access the Services, You must first register personally with Us
and open an account in your own name. You are allowed to have only one account
with Us at any single point in time. You are not permitted to act on behalf of
someone else or for someone else’s benefit. Only one account for each household,
IP address and computer device is allowed. If two or more users share the same
household, IP address and computer device, please inform us accordingly to avoid
closure of any duplicate accounts we may detect. 

If You attempt to open more than one account, all accounts may be blocked or
closed and any bets and bonuses relative to those accounts may be voided.

If You notice that You have more than one registered account You must notify Us
immediately. Failure to do so may lead to Your account being blocked for access.
Should We decide to leave one Account open, it will be the first account that
You opened with Us, to which Your remaining deposits, if any, will be
transferred and consolidated. We will deduct an administrative fee of thirty
British Pounds (£30) or currency equivalent. 

4.2 Information to be true, accurate and complete

It is Your sole responsibility to ensure that the information You provide to Us
is true, accurate and complete. We carry out verification procedures and Your
account may be blocked or closed if We suspect that You have supplied Us with
false or misleading information. You are required to also inform Us of any
material changes to your information and to keep up to date the mandatory
information provided in the registration form or held on Your account. 

4.3 Verification of Identity (KYC Checks)

Casumo is legally required to verify your identity in accordance with the terms
herein.

4.4 Security on your account

As part of the registration process, You will have to choose Your username and
password for Your login to the website(s). It is Your sole and exclusive
responsibility to ensure that Your login details are kept securely. You must not
disclose Your login details to anyone. We are not responsible for any abuse or
misuse of Your account by third parties due to Your disclosure, whether
intentional or accidental, active or passive, of Your login details to any third
party.

If You suspect that such information may have been compromised, You must inform
Us immediately and take appropriate action to prohibit or prevent any
unauthorised access to any part of Your account or funds.

4.5 Background Checks 

We may perform background checks on You and request any relevant documentation,
at all times and, for any reason, including (but not limited to) any
investigation into the identity of the person making use of the Service, credit
checks or any enquiries into the player’s personal history. The basis for such
investigations will be dependent on the specific case, but could include for
example, verification of the player’s registration details, (such as the name,
address and age, occupation, verification of the player’s financial
transactions, financial standing, source of wealth, source of funds and/or
gaming activity). We are under no obligation to advise the player of such an
investigation taking place. Such activities may include the use of specific
third party companies, who perform the investigations as required. We may decide
at our sole discretion to close the account, and withhold all funds in such an
account, on the basis that such an investigation provides a negative or
uncertain conclusion.

4.6 Verification of Bank Details

In order to use a financial or bank account, or any credit or debit card at
Casumo, the account holder or credit card holder name must be the same one which
You used when You registered for an account with Casumo. 

You are not allowed to transfer funds from Your Casumo account to other users or
to receive money from other users into Your Casumo account, or to sell, transfer
and/or acquire accounts to/from other players. Should the name used to open the
account and the name on the bank account differ in any way, you may find your
account has been suspended. Please contact hey@casumo.com for more information
on how you can verify your bank details. 

5. Ongoing Use of Your account 

5.1 Use of Live Chat

As part of Your use of Our Website, We provide You with a live chat solely to
support and respond to queries regarding your use of the Service. Note that
these communications are recorded, and are subject to our Privacy Policy.
Abusive or offensive language will not be tolerated and may result in your
account being closed. Use of the chat facility should strictly relate to Our
Services and any queries related thereto.

5.2 TimeOut 

You may wish to take a break from playing with Us for reasons which are not
related to managing the time in which you spend gambling, or due to spending.
You may opt to set a “Timeout” period on Your account for a period not exceeding
six (6) months. You can set the Timeout by going to the Casumo Cares Page or by
contacting customer support on hey@casumo.com. Please be aware that if You
suspend Your account for Timeout, We may allow You to reopen Your account prior
to the lapse of the Timeout period. Should You wish to take a break from
gambling in general, please refer to section 5 below and Casumo Cares. 

5.3 Inactive accounts

An ‘Inactive account’ is an account that has not been accessed for twelve (12)
consecutive months that has a real money balance. We will contact You via email
up to one month prior to Your account becoming inactive. You may reactivate an
Inactive account by logging in. Once an account becomes inactive, We will charge
an administrative fee to Your account of five British Pounds (£5) per month or
currency equivalent as long as there is a positive balance in the account. 

5.4 Responsible Gaming - Casumo Cares

5.4.1 We offer a range of services, and have developed a number of tools to
assist You to play in a safe environment. If You feel that You are developing a
dependency or an unhealthy attitude towards gambling, We have in place a series
of measures designed to help. You understand that when You are playing games of
chance that involve real money, the outcome can never be sure, and that there is
a risk you may lose funds or winnings which you wager. 

5.4.2 As a registered account holder You may:

(i) Set a limit on the amount that You may wish to spend or to deposit within a
specific period of time;

(ii) Exclude Yourself from playing for a definite or an indefinite period of
time.

5.4.3 In order to use these tools You may: (i) go to the Casumo Cares page and
set Your account limits which will be effective immediately; or (ii) You may
send an email to hey@casumo.com and state preferences to our customer support
personnel. You will receive an email confirmation from Our Customer Support Team
within a few minutes of Your gaming restriction request being activated. Should
You not receive such notification, We kindly ask You to re-contact Customer
Support immediately. This service is available to You on a 24-hour basis. We
encourage You to consider these measures when playing with Us.

5.4.4 Setting a Financial Limit: When You set a limit, You will be unable to
continue playing beyond the limit You have set, as Our system will automatically
prohibit any further gameplay. You may at Your discretion choose to limit the
amount You wish to (on a daily, weekly, or monthly basis):

(i) Wager: - This allows You to control exactly how much money You’re willing to
wager over a given period. It limits the total amount You are able to place in
stakes.

(ii) Lose: - This allows You to restrict the amount of real money You can lose
from the deposits You make. Winnings are included in the calculation of the
loss.

(iii) Deposit: - This allows You to limit the amount of funds You can deposit
into the account in a given period.

5.4.5 You may change or revoke a limit that You’ve set previously either via
Casumo Cares, via chat or by sending an email to hey@casumo.com. Any relaxation
of requests shall only take effect after twenty-four (24) hours “cooling off”
period from when We have registered the request. This “cooling off” period will
give You a chance to reconsider whether You really want to make this change. On
the contrary, making a limit more stringent or increasing the duration of a
limit takes place immediately after the request in change has been registered.

5.4.6 Setting a Maximum Session Time and Reality Checks

(i) You may choose to set a maximum session time during which You will be
allowed to stay logged into Your account. After this period has expired, the
relevant games are automatically stopped, and You will need to exit and reload
the games from the games browser to play again.

(ii) The Reality Check tool helps You monitor Your gaming activity. Once this
feature is activated, a message will be displayed on Your screen at selected
intervals to inform You about how long You have been playing, how much You have
spent/won, it will offer a direct link to Your transaction history and present
You with the option to resume or exit the game.

5.4.7 Self-Exclusion

5.4.7.1 If You feel that You are becoming dependent on gambling or developing
unhealthy behaviour towards it, You should consider limiting Your access to Your
account. Kindly make a request and please provide us with the reason as to why a
self-exclusion is being made so that we may monitor activity accordingly. You
may set Your self-exclusion on Your account (immediate), by contacting Customer
Support (You will receive an email confirming Your request. Should You not
receive such notification, We kindly ask You to re-contact Our customer support
services immediately.) 

5.4.7.2 Once the request is processed You will not be able to access Your
account until Your period of exclusion has elapsed (if applicable). Our Customer
Support team will pay out any remaining funds on Your account. We retain the
right to request all necessary documentation for this purpose.

5.4.7.3 You may self-exclude for:

(i) An indefinite time (‘Forever’): If You decide to close Your account
permanently, thus choosing ‘Forever’ from the dropdown menu list, You will not
be able to access your account and We shall take all necessary steps to remit
any remaining funds on the account to You.

 * (ii) A definite term (Temporary Self-Exclusion): - In this case, a minimum
   period of six (6) months applies, and the chosen period can be extended.
   There is no maximum period of time for self-exclusion. If You wish to take a
   break from gaming for a reason, which is not related to gambling addiction,
   You may refer also select the “Time-Out” option (see Section 5.2) 

5.4.7.4 Following a self-exclusion request, We will use our best endeavours not
to send You any further marketing materials and, in any event, will ensure that
We will not send You any further marketing materials after 24 hours of account
closure.

5.4.7.5 Once the self-exclusion period has elapsed Your account will be
automatically reactivated.

5.4.8 All limitations and responsible gambling tools mentioned in this section 5
can be administered by Yourself from the Casumo Cares pages or initiated by
contacting hey@casumo.com. The members of this service have been trained, are
aware of the risks of compulsive gambling and here to assist You and explain the
measures You can take to restrict Your gambling and take appropriate action. Our
customer support service is available to You on a 24-hour basis, 7 days a week.

5.4.9 Any account limits and self-exclusion requests would be valid for the
brand(s) operated by Us and does not include any other brand or website
operations by the Casumo Group. Note further that We currently are not made
aware of any self-exclusions set-up on other gambling websites.

5.4.10 If We believe that Your gambling will cause You financial or personal
difficulties, We reserve the right to close Your account.

5.4.11 Under-Age Players

We do not allow anyone under 18 years of age to open an account on Our Websites.
Should You be under 18 years of age and attempt to open an account with Us or
should You assist an underage person in opening an account with Us, You are in
breach of the law. Should You have minors in Your household or should there be a
possibility of minors accessing Your computer, please make sure to:

 * (i) Not to share Your log-in details;

 * (ii) Not to enable the “remember password” function on the login screens;

 * (iii) Not to share Your credit card or bank account details with minors;

 * (iv) Install parental control software or internet filter software on Your
   computers. Such software can be obtained from www.netnanny.com and
   www.cyberpatrol.com. These links are provided for convenience only and We do
   not provide any warranty or assume any responsibility in relation to the
   same.

5.4.12 Whilst we are committed and strive to enforce Our social responsibility
obligations, We trust You understand that human error cannot be completely ruled
out and We therefore solicit Your full collaboration at all times. We shall take
no responsibility and exclude all form of liability should You continue gambling
or persist in using the Website, with the intent of avoiding or circumventing
the relevant measures in place, this includes opening or attempting to register
accounts with Us by using false or misleading personal data so as to bypass
limits, exclusions and other responsible gaming tools previously requested by
You.

Should You feel that You may be at risk of developing a dependency on gambling
or would like to be certain that You, or anyone else in Your household does not
have access to gambling websites, You may consider installing software which
prevents users from accessing any gambling websites. There are independent third
party websites that offer products that are aimed at blocking gambling related
websites or software. Betfilter and GamBlock are two of the websites that offer
this service. Please click on the links provided should You require further
information. These links are provided for convenience only and We do not provide
any warranty or assume any responsibility in relation to the same. So as to
ensure maximum protection to those affected by gambling problems, this kind of
software cannot be removed from a device once it is installed.

If You have chosen to restrict Yourself from playing with Us because there is
the possibility that You might have a gambling problem, it is advisable to
consider excluding Yourself from all the gambling environments You may have
access to, both online and offline.

6. Closing an account 

Instances where Casumo May Void a Bet, Confiscate Funds and/or Close
account(s). 

6.1. We reserve the right to suspend or close an Account, to void a bet and/or
to confiscate funds at our sole discretion and without needing to provide a
reason therefor in cases where:

6.1.1 We believe that continuing our business relationship with You could
negatively impact Our licensing and general regulatory obligations, or
reputation;

6.1.2 We have reasonable suspicion that any kind of fraud has occurred,
including for example cheating or collusion, card counting techniques or use of
any false, inaccurate or incomplete data in the use of our Services. We also
reserve the right to void any bet that We suspect has been made as a result of
any fraud or cheating and/or to confiscate any funds on Your account and close
Your account. 

6.1.3 We have reasonable suspicions that the use of robotic, automated,
mechanical, electronic or other devices to make automated decisions is being
used in which case we may void any bet that We suspect has been made using such
a device and exclude any player from any promotion or competition in which We
suspect that such a device has been used. We may also suspend the account
pending investigation and close the account at Our sole discretion. We consider
the use of such devices to be tantamount to fraud, we reserve our right not to
refund any balance on the account at the time of termination and to cancel any
pending games.

6.1.4 You are accessing, or we have reasonable grounds to believe that You are
accessing Our Services or from an account with links to a Restricted Territory;

6.1.5 You have used, or we have reasonable grounds to believe you have used
false, incomplete, or misleading information in order to register Your account
with us;

6.1.6 You have used, or we have reasonable grounds to believe You have used a
payment method or bank account which does not belong to you, or does not belong
solely to you, to make any payment or deposit; or otherwise have failed to
comply with requests for provision of evidence to verify your identity, your
account, or your chosen payment method; 

6.1.7 You have, or have attempted to register, more than one account with Us;

6.1.8 our payment providers, or game or sports suppliers have identified your
account with bonus abuse, or fraud; and/or

6.1.9 we have detected You are, or may be, using card counting techniques

6.10 for any reason whatsoever however, any contractual obligations already
incurred shall be honoured by us, without prejudice to any rights available at
law;

How you can Request to Close your account 

6.2 If You wish to close Your account, You may do so at any time, either by
setting the closure request via the Responsible Gaming Page or by contacting
customer support by sending an email to hey@casumo.com. Any funds in the account
will be remitted to You. The effective closure of the account will correspond to
the termination of these Ts & Cs which are the agreement between us, however any
obligations already entered into shall be honoured.

6.3 If the reason for closure is a concern about possible gambling addiction You
are requested to indicate this reason by stating “RG Reason” so we may take
appropriate steps to protect you from being able to re-register with us. We
shall not be liable for any direct or indirect consequential damages, should an
individual try to reopen an Account with us [or any of our brand or group
companies] by providing inaccurate and false information and succeeds in opening
it. . We reserve the right to close an account opened in breach of this rule at
any point in time.

7. Deposits into Your Account

7.1 You are required to make a minimum deposit before You can bet or play.
Specific information on the minimum required to participate in any welcome bonus
or other promotional offer is available here:
https://www.casumo.com/en-nz/bonus-terms/ or as part of any specific offer.
Minimum deposit requirements that apply for each deposit method are specified in
the deposit section within your account.

7.2 You may use any of the payment methods available in your jurisdiction from
time to time, and will be able to use funds to wager once they appear as cash
balance on your account. Processing times will vary depending on the nature of
the payment method used. 

7.3 By depositing funds into Your account, You direct Us and We agree to hold
them, along with any winnings, for the sole and specific purpose of using them
to (i) place any gaming stakes; and (ii) settle any fees or charges that You
might incur in connection with the use of Our services. We may charge assigned
fees for processing deposits. If such fees occur they shall be possible to see
during the deposit process and shall also be seen in the deposit section on the
Website.

7.4 We reserve the right to use additional procedures and means to verify Your
identity (Know Your Client), both before and after effecting deposits into Your
account.

7.5. If We mistakenly credit Your account with funds that do not belong to You,
whether this is due to a technical or human error or otherwise, the funds will
remain Our property and they will be transferred back to Us from Your account.
We further reserve the right to freeze and withhold any funds credited to Your
account in error and/or set-off any subsequent winnings owed to You against the
same. If You would have withdrawn funds that do not belong to You before We
become aware of the error the mistakenly paid funds will constitute a debt owed
by You to Us. In the event of an incorrect crediting, You are obliged to notify
Our customer support services immediately on hey@casumo.com.

7.6 You shall only use debit or credit cards and other financial instruments
that are valid and lawfully belong to You.

7.7 Your account base currency denomination shall be stated clearly on your
account (example: USD, GBP or EURO). In case deposits are in a currency
different to the denominated currency of Your account, We, or the relevant third
party payment provider, as the case may be, may convert Your deposit amount to
the denomination currency before topping up Your payment account. Any funds You
withdraw from Your account will be sent to You in the requested currency and may
incur a further exchange rate fee. We will use reasonable endeavours to ensure
the conversion is clear and transparent to You and that any conversion costs are
reasonable. Costs to exchange currency are borne by You.

7.8 We have a quick-deposit feature which allows You to make quick and safe
deposits while staying within the gaming session. This feature is only available
for customers who either use credit/debit card or Skrill as their depositing
method. Customers are requested to ensure the feature is used in a responsible
manner.

7.9 Deposits made to Your account should be commensurate with game play and
betting levels. If in Our sole discretion, there is suspicion of abuse (for
instance, where a deposited amount has not been wagered or used for an
appropriate level of game play and the player then makes a withdrawal request in
relation to that deposited amount, or where We suspect that You are abusing
exchange rate fluctuations for purposes of making a financial gain through
arbitrage), We may to cancel any deposit(s), any withdrawal, freeze or
confiscate such funds including winnings and close the account indefinitely,
without any warning and notification. We may also require satisfactory proof of
deposit and additional copies of personal identification and other documents as
may be required at any stage during the account’s lifetime and in such instances
prior to processing any withdrawal request, the processing of such request to be
entirely at Our discretion. In cases where We are not satisfied by the submitted
documentation, We may cancel the withdrawal and return the funds to the account
or confiscate the funds and block the account indefinitely, and may report the
same to the relevant authority. 

7.10 When a chargeback request has been received in relation to Your account, We
may contact You as the registered account holder, so as to seek confirmation of
Your identity, documentation or explanations regarding the chargeback. Reminders
may be sent should the requested information not be received. Administrative
fees may apply and the balance of Your account may decrease in the case of
unduly incurred chargebacks, reversals or other charges We may sustain in
relation to Your account. You acknowledge that We shall have the right to block
an account should We receive a chargeback request in relation to that account.
You are to note that any remaining funds held in an account which has been
blocked due to a chargeback request may be retained by Us.

7.11 We reserve the right to disable payment methods from Your use should we
suspect any misuse.

7.12 Payment transactions are carried out by Tarannis Limited, on behalf of
Casumo, a company within the Casumo group of companies, with registered no.
117452 and registered address 2 Irish Town Gibraltar, GX11 1AA, Gibraltar.

8. Withdrawals

8.1 Details about our withdrawal policy are available here 

8.2 Available withdrawal options and associated fees are clearly stated on the
Websites and may differ depending on the player’s place of residence or
location. 

8.3 Withdrawals will be made to Your bank account or via other withdrawal
methods available to You to choose from under the “Withdrawal” pages and/or as
chosen by Us. Whenever possible, We shall pay out Your withdrawals using the
same method utilized to effect a deposit, however in those cases where you have
used an e-wallet or other similar payment method we reserve the right to only
make payment to a bank account or credit card which is held in your name.
Withdrawal payouts may only be made in the name of and to the registered account
holder. We reserve the right to cancel withdrawals either to enforce a closed
loop or to force the customer to withdraw via a particular withdrawal method.

8.4 It will not be possible to withdraw either funds marked as “Bonus Money” or
funds stuck in an aborted game. Please refer to Our General Bonus Terms and
Conditions.

8.5 Financing a bet or stake on a game via the Internet may be illegal in the
territory in which You reside. In such circumstances You are not authorised to
use and finance Your account for the purposes of placing a bet. Your
participation in the products We provide in a territory where such participation
is prohibited by law, shall not affect any stakes or payments made to and
accrued for Our benefit. Moreover, You understand that it is Your sole
responsibility to pay and proceed with all necessary diligence in relation to
taxes on any winnings, if and where these are applicable.

8.6 The time for a withdrawal request to be finalised may vary due to
circumstances, however a withdrawal attempt should be approved or denied within
three (3) days. When a withdrawal is cancelled, the funds are returned back to
Your account and may be used. We do not assume any responsibility for any funds
lost on Our Website following a withdrawal cancellation either by You or by Us.

8.7 games, being the products we supply, are consumed instantly during gameplay.
Thus, We cannot provide refunds, returns of monies, or cancellation of the
requested service when playing or afterwards. If You play a game with real
money, the money will be drawn from Your Player account instantly.

8.8 We reserve the right to pass on processing charges and fees on withdrawals,
such charges shall appear on the cashier prior to the confirmation of the
withdrawal request. 

8.9 In the event of a small stake relative to the deposit made, an
administration fee may also be charged of 5% of the deposit . If you are
accessing our Website from Japan and/or India, We reserve the right to either
cancel withdrawal requests or charge a 10% fee of the withdrawal amount should
you request a withdrawal without having turned over deposits made prior to the
withdrawal five times or more. For example, if you deposit 100USD, and you have
not played the equivalent of 500USD of gameplay turnover you will be asked to
wager 500 USD or to pay 10% of the withdrawal amount.

8.10 Acceptance of a withdrawal request shall be subject to You having made and
sufficiently wagered a real-money deposit and in accordance to any other terms
and conditions set out by Us. All withdrawal requests shall be subject to the
transaction limits and withdrawal methods that We shall notify You prior to
withdrawal. We retain the right to carry out verification at withdrawal stage
should We deem this to be necessary and especially in cases where deposited
funds have not been used for wagering.

8.11 Casumo reserves the right, in its sole discretion, to redirect a withdrawal
to a different payment means belonging to You, or further refund, in total or in
part, deposits of equivalent amounts as a withdrawal requested.

9. Acceptable Use of Services 

9.1 You may only use our Services for lawful purposes, and in accordance with
the full terms and conditions set out herein. 

9.2 You shall not allow any other individual, intentionally or unintentionally,
to access and/or use Your account or accept any prize or access and participate
in any of Our services. You understand that You shall be fully liable for any
losses incurred by a third party on Your account and You shall immediately
inform Us should You suspect that a third party has obtained access to Your
account, and shall assist Us fully in Our investigations into the matter.

9.3 You are not allowed to transfer funds from Your account to other Players or
to receive money from other Players into Your account. Our accounts are not
transferable and it is prohibited for Players to sell, transfer or acquire
accounts from other Players.

9.4 You are responsible for determining whether Your accessing and using Our
Website is compliant with the applicable laws in Your country and You warrant to
Us that gambling is not illegal in the territory where You reside. We also
prohibit persons located in (including temporary visitors) or residents of
certain jurisdictions; for avoidance of doubt, access and registration from
countries that do not feature on the dropdown options available at registration
stage, is strictly prohibited. Moreover, you will not be able to access our site
if you reside in any of the countries mentioned on the Restricted Territory
list.9.5 You may not use funds that originate from any illegal activity or
source on our Website. We reserve the right to ban a player, close an account
and confiscate all funds therein where that player is reasonably suspected of
engaging in fraudulent activities which include, but are not limited to: the use
of stolen or falsified credit cards or account numbers, chip dumping, forgery,
collusion, and the submission of data or documents which are forged, stolen or
otherwise misappropriated.

9.6 You are not and shall not be involved in any fraudulent, collusive, fixing
or other unlawful activity in relation to Your or third parties’ participation
in any of the games and shall not use any software-assisted methods or
techniques or hardware devices for Your participation in any of the games. We
hereby reserve the right to close Your account, invalidate any betting and
confiscate any funds, should We suspect such behaviour.

9.7 You shall not access games that are not available within Your region.
Additionally, You shall not mask your IP address by using a VPN, proxy or
otherwise when navigating on our Website.

9.8 You shall be courteous to other Players using the Websites, as well as
support personnel employed by Us and avoid rude or obscene comments. The
non-observance of these Ts and Cs and of the game Rules shall not be tolerated
under any circumstance.

9.9 You shall also not be permitted to hold an account with Casumo if you
collude, cheat, or engage in any activity which is a threat to the integrity of
sports. Furthermore, if you are an athlete participating in competitions subject
of any betting offers, you shall adhere to applicable statutes and regulations
restricting Your participation in any gambling activity. Casumo will adhere to
its reporting obligations should it identify any breach in this regard.

10. Verification 

10.1 The payment managers employed by Us will carry out additional verification
procedures for payouts which exceed pre-defined thresholds, and for cumulative
deposits exceeding two thousand British Pounds (£2000), or the approximate
equivalent thereof in the currency of the territory in which You are resident.
We further reserve the right to carry out such verification procedures in case
of lower payouts and deposits. Such verifications may include but shall not be
limited to, copies of a Player’s passport, National Identity Card, copies of a
Player’s utility bills, and/or copies of the credit/debit cards used to make
deposits. Where applicable, all identification documents provided should include
a clear photographic image of the registered Player

10.2 Transactions shall be monitored in order to prevent money laundering and to
counter the risks of possibly financing terrorism. We shall report any
suspicious transactions to the competent authorities in the relevant
jurisdiction. We may suspend, block or close an account and withhold any funds
therein, as we may consider necessary or appropriate in the given
circumstances. 

11. Privacy & Cookies, Confidentiality, Data Retention 

11.1. In order to provide You with access to Our services, We need to process
some of Your personal information. To understand how We use Your personal
information You can read Our Privacy Notice and Cookie Notice respectively,
including details for how to manage these and these are hereby incorporated into
these Ts & Cs by reference. 

11.2 All communication between You and Us is kept on record for compliance with
applicable gaming, accounting, tax and financial laws. Information about our
data protection and data retention policies may be obtained by sending a request
to dpo@casumo.com.

12. Exceptional Circumstances & Aborted games

12.1. Unexpected technical problems or circumstances outside Our control such as
technical problems due to third party providers may result in Us having to void
bets and give refunds to Players. You acknowledge that Your computer equipment
or mobile device and Internet connection may affect the performance and
operation of the Website, and for these reasons We cannot guarantee that the
Website will operate without interruption, fault or error. We do not accept any
liability for failures or issues attributable to any third party provider of
software or services, or from hardware, software or connection used by You.

12.2 We have the right to limit, cancel and refuse bets which we consider too
large or outside of our risk appetite, or we believe suspicious betting activity
may be anticipated or taking place.

12.3. In the case that a game is “stuck” in a state where it is not being
finished, for example a connection loss while playing an active hand at
Blackjack, We have the right to “clean up” such bets on a regular basis and
refund the bet/wager to Your account.

12.4. If a bonus campaign has in any way been misconfigured, We have the right
to alter Players’ balances as well as other account details which would have
been affected by the misconfiguration, so as to correct the mistake, to the
extent however we are not precluded from doing so at law.

12.5. Should a game contain a bug or misconfiguration that causes incorrect
behaviour or pay out, We have the right to remove the game and alter Players
balances and account details in order to correct the mistake.

12.6. The Company is not liable for any downtime, server disruptions, lagging,
or any technical or political disturbance to the game play. Refunds may be given
solely at the discretion of the management.

12.7. The Company shall accept no liability for any damages or losses which are
deemed or alleged to have arisen out of or in connection with the Website or its
content; including without limitation, delays or interruptions in operation or
transmission, loss or corruption of data, communication or lines failure, any
person’s misuse of the Website or its content or any errors or omissions in
content.

12.8. We endeavour to ensure that the Website is available twenty-four (24)
hours a day, however it shall not be held liable if for any reason the Website
is unavailable at any time or for any period. We may remove any game from the
Website at any time We see fit and reserve the right to make changes or
amendments, to alter, suspend or discontinue any of the content, products or
services, including Your access to the Website.

12.9. In order for You to use particular products that We might offer, You may
be required to download certain software. You may also be requested by some
third party software providers to agree to additional terms and conditions that
govern the use of their products. Should You not wish to accept such third-party
terms and conditions, please refrain from using their software. We do not accept
any liability in relation to any third-party software.

12.10. You are not allowed to abuse any error or instance of incompleteness on
the Website, in the Client application, in any of the software or in any of the
services provided by Us. Should You become aware of such an error or
incompleteness, You shall refrain from taking any advantage thereof and notify
Us immediately. If You do not comply with this clause and take advantage of or
divulge any information about an error or incompleteness, We shall be entitled
to any remedies available at law and this shall include compensation for any
costs it may have incurred in association with any losses, which would have
resulted from Your breach of this clause.

13. Complaints & dispute resolution procedure

13.1. You may wish to make a complaints regarding Our services. Information on
how this may be done is found under the “Contact Us” or “Help” section.
Alternatively, You may send Us an email to hey@casumo.com. We will do Our best
to provide You with an outcome of the complaint within ten (10) days from the
date on which the complaint is received. In cases where the complaint requires
more time for it to be addressed, such a period may be extended by a further ten
(10) days.

13.2. Complaints are handled in the customer support department and may be
escalated within Our organisation in cases where the customer support personnel
do not solve the case immediately. The Player shall be reasonably informed about
the state of their complaint. We always endeavour to resolve complaints in the
least time possible.

13.3. If You are not satisfied with Our resolution of Your complaint, You may
report Your complaint to the alternative dispute resolution organisation eCOGRA.
You may file Your complaint by clicking on the following link and filling in the
appropriate “disputes” form: eCOGRA Alternative Dispute Resolution. eCOGRA is a
third-party organisation which offers independent adjudication in relation to
betting and gaming disputes.

13.4. If You have a regulatory complaint, particularly any claims that We have
not complied with Our licence conditions or that Our conduct is unlawful or
conducted in a manner which is not safe, fair, or transparent, You may report
Your complaint to the Gibraltar Gambling Commissioner by email on
gccomplaints@gibraltar.gov.gi. For further information on complaints on
regulatory issues, including the use of the prescribed complaint form (Complaint
Resolution Request Form) please consider the Government of Gibraltar’s following
website page
https://www.gibraltar.gov.gi/finance-gaming-and-regulations/remote-gambling.

14. Limitation of Liability

14.1. You acknowledge that the services offered on the Website are for personal
entertainment purposes only and that We have no liability to you for any loss of
profit, loss of business, business interruption or business losses of any kind.
You are not required to use Our services and Your participation is at Your sole
choice and discretion. You consequently enter the Website and participate in the
games at Your own risk. The Websites and the games are provided without any
warranty whatsoever whether this is express or implied. 

14.2. Without prejudice to the generality of the preceding provision, We, Our
directors, shareholders, employees, partners and service providers:

14.2.1. Do not warrant that the Software, games and the Websites are always fit
for their purpose or meet your specific requirements.

14.2.2. Do not warrant that the Software, games and the Websites are free from
errors, defects, malware, spyware, adware, viruses or other malicious or
destructive codes.

14.2.3. Do not warrant that the Software, games and the Websites will be
accessible without interruptions.

14.2.4. Shall not be liable for any loss, costs, expenses or damages, whether
direct, indirect, special, consequential, incidental or otherwise, (including,
but not limited to any economic loss of any kind) arising in relation to Your
use of the Websites or Your participation in the games or your installation
and/or use of any Software.

14.3. You understand and acknowledge that, if there is a malfunction in a game
or its interoperability, any bets made during such malfunctioning shall be void.
Funds obtained from a malfunctioning Game shall be considered void, as well as
any subsequent game rounds with said funds, regardless of what games are played
using such funds.

14.4. You hereby agree to fully indemnify and hold harmless Us, Our directors,
shareholders, employees, partners, and service providers for any cost, expense,
loss, damages, claims and liabilities howsoever caused, that may arise in
relation to Your use of the Website or participation in the games which is in
breach of these Ts and Cs.

14.5. All information displayed on Our Website is provided for information
purposes only, and not intended to constitute professional advice of any kind.
Neither Us nor any of Our independent providers is liable for any information
errors, incompleteness, inaccuracy or delays, or for any actions taken in
reliance on information contained herein.

14.6. We reserve the right to terminate any events and/or games.

14.7 We do not exclude or limit in any way our liability to you for death or
personal injury caused by Our negligence, for fraud or fraudulent
misrepresentation.

15. Intellectual Property

15.1. We, Our Group Companies and Our licensors (including any Third Party
Providers) are the sole holders of all rights in the Software and the Software’s
code, structure and organisation, including copyright, trade secrets,
intellectual property and other rights. You may not, within the limits
prescribed by applicable laws:

(i) copy, distribute, publish, reverse engineer, decompile, disassemble, modify,
or translate the Software or make any attempt to access the source code to
create derivative works of the source code of the Software, or otherwise.

 * (ii) reproduce, sell, assign, sublicense, transfer, distribute or lease the
   Software;

 * (iii) make the Software available to any third party through a computer
   network or otherwise.

 * (iv) export the Software to any country (whether by physical or electronic
   means); or

 * (v) use the Software in a manner prohibited by applicable laws or
   regulations.

(each of the above is an “Unauthorized Use”).

15.2. The term “Casumo” and any other trademarks, service marks, signs, trade
names and/or domain names used by Us on the Websites and/or its applications
from time to time (the “Trademarks”), belong to Us and/or Our Group Companies
and/or licensors, and these entities reserve all rights to such Trademarks. In
addition, all content on the Websites, including, but not limited to, the
Software, images, pictures, graphics, photographs, animations, videos, music,
audio and text (the “Website Content”) belongs to Us and/or Our Group Companies
and/or Our licensors (including any third-party providers) and is protected by
copyright and/or other intellectual property or other rights. You hereby
acknowledge that by using the services and the Websites You obtain no rights in
the Website Content and/or the Trademarks, or any part thereof. Under no
circumstances may You use the Website Content and/or the Trademarks without Our
prior written consent.

15.3 Additionally, You agree not to do anything that will harm or potentially
harm the rights, including the intellectual property rights, held by Us, Our
Group Companies and/or Our licensors (including any third party providers) in
the Software, the Trademarks or the Website Content nor will You do anything
that damages Our image or reputation or that of Our Group Companies,
shareholders, employees, directors, officers and consultants.

15.4. Unless otherwise specifically granted under the Agreement, We do not grant
You any express or implied rights in the Software, Trademarks or Website
Content, including but not limited to any intellectual property rights
subsisting therein.

16. Breaches and Termination

16.1. If You have, or We suspect that You have:

(i) breached any provision of the Agreement; or

(ii) been engaged in illegal and/or fraudulent activities when using the
Website; or

(iii) had problems with creditors; or

(iv) been otherwise engaged in illegal and/or fraudulent activities; or

(v) Been otherwise engaged in activities which may be detrimental to Our
business.

We retain the right to not open, suspend or close Your account, to cancel any
bets, and/or confiscate or withhold any winnings at Our absolute discretion. Any
withheld winnings may be set-off against any amounts owed by You to Us by way of
damages. You acknowledge that We may decide to take any or all of the foregoing
actions in its sole and absolute discretion and any such decision shall be
final. You further acknowledge that should We discover at any time that You are
under the age of 18 or were under 18 at the time of using any of Our services,
that we may advise the Gibraltar Gambling Commissioner and forfeit any unpaid
funds (if any) to the Gibraltar Government Consolidated Fund.

16.2. Should We delay or fail to enforce Our rights under these Ts & Cs, this
does not mean that We are losing or waiving these rights where set timelines
have not been set out. The same shall also apply to You.

16.3. We will not be liable to You for any breach of these Ts & Cs which arises
because of any circumstances that We cannot reasonably expected to control and
will not be liable to You for any damages or losses which may result from such
circumstances, including, but not limited to: acts of God; acts of terrorism;
epidemics or pandemics; trade or labor disputes; power supply shortage or
failure; riots; fire; lightning; earthquakes and natural disasters; flood; war;
theft; acts or omissions of governments or competent authorities (including
changes in applicable laws or regulations); failure or interruption of any
telecommunication networks; or any other delay or failure caused by a third
party which is outside of our control. 

16.4. Should an event of the description in clause 16.3 occur, a failure or
delay in Us providing any services to You would not constitute a breach of this
Agreement and We reserve the right to suspend or cancel our services without any
liability to You.

17. Severability

17.1. If any provision of these Ts & Cs is held to be illegal or unenforceable,
such provision shall be severed from these Ts & Cs and all other provisions
shall remain in force and unaffected by any such severance.

18. Miscellaneous

18.1. We reserve the right to assign or otherwise lawfully transfer any of Our
rights or obligations under these Ts & Cs to any entity which is a fully owned
subsidiary of Casumo and without any prior notification. You however, shall not
assign or otherwise transfer any of Your rights or obligations under these Ts &
Cs

18.2. The Agreement does not create any partnership between You and Us, nor
shall the Agreement be construed as creating any joint venture, form of agency
or partnership relationship between You and Us

19. Entire Agreement

19.1. These Ts & Cs and the documents referred to in it together constitute the
entire understanding between You and Us with respect to the use of Our Websites
and Our Services. You acknowledge that You may not rely on any representation,
undertaking or promise from Us unless expressly stated in the Agreement.

20. Applicable law and jurisdiction

20.1. These Ts & Cs shall be governed by and construed in accordance with the
Laws of Gibraltar.

20.2. The parties agree that any dispute, controversy or claim arising out of or
in connection with these Terms and Conditions, or the breach, termination or
invalidity thereof, shall be submitted to the exclusive jurisdiction of the
courts of Gibraltar. We cannot accept responsibility under the laws of any other
jurisdiction.

20.3. Nothing in this Agreement shall affect Our right to take legal action or
commence proceedings in any jurisdiction other than Gibraltar.

Version: 1
Updated: November 2021

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Jocularis Ltd is licensed by the Government of Gibraltar (Remote Gaming Licences
no 126 and 127) and regulated by the Gibraltar Gambling Commissioner. Jocularis
Limited is registered in Gibraltar with company registration number 121395 and
its operational office address is situated at Suite 5B, Watergardens 1,
Gibraltar.



Gambling can be addictive. Please play responsibly. Our products are solely
intended for individuals over 18 years of age.


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