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1 INTRODUCTION 1.1 By using and/or visiting any section of the Website www.Rizk.com (“Website”) or by opening an account on the Website you agree to be bound by: 1.1.1 the General Terms and Conditions, on this page; 1.1.2 the Privacy Policy; 1.1.3 the Sports Betting Rules (clause 33) 1.1.4 Any game rules; 1.1.5 Any terms and conditions of promotions, bonuses and special offers which may be found on the Website from time to time. 1.2 All of the terms and conditions listed above shall together be referred to as “the Terms”, “Terms” or “these Terms”. 1.3 Please read the Terms carefully before accepting them. If you do not agree to accept and be bound by the Terms, please do not open an account or continue to use the Website. Your continued use of the Website constitutes acceptance of the Terms. 1.4 In the event that there is any conflict or inconsistency between the Terms, the order of priority in which the Terms shall apply will be the same order in which the Terms are listed in paragraph 1.1 above, save for in relation to sports betting in which case the Sports Betting Rules will take priority, and then the Terms will be applied in the order listed in paragraph 1.1 above. 1.5 Any reference made to contact customer support refers to the contact link support@Rizk.com 2 PARTIES 2.1 This website is operated by MT SecureTrade Limited (“us”, “our”, “we” or the “Company”), a company incorporated under the laws of Malta with registration number C56545 and registered address at @GIGBeach Triq id-Dragunara, St. Julians, STJ 3148, Malta. For customers accessing the services from Great Britain (“GB”) MT SecureTrade Limited is licensed and regulated by the Gambling Commission and holds a Remote Casino Operating License number 39575. For non-GB players MT SecureTrade Limited is licensed and regulated by the Malta Gaming Authority (the “MGA”) (www.mga.org.mt) under licence number MGA/B2C/257/2014 issued on the 19/05/2014. 2.2 In respect of customers located outside Great Britain, we may at times provide additional games not licensed and regulated by the Malta Gaming Authority. Such games will be clearly indicated during the gameplay. All games provided to GB players are licensed and regulated by the UK Gambling Commission and GB players may only play under the UK Gambling Commission licence. 2.3 In these Terms: 2.3.1 reference to a “GB player” is to a player participating in the services from Great Britain. A “non-GB player” is a player participating from any other place; 2.3.2 reference to “Deposit Funds” means the funds that you deposit into Your Player Account, in each case that have not been spent on (committed to) bets including bets which are not yet settled, plus Winnings; 2.3.3 reference to “Bonus Funds” means any funds that we credit to Your Player Account by way of a bonus or promotion and any winnings generated from bonuses which is not immediately withdrawable or redeemable in cash and all winnings made with the bonus funds which are subject to uncompleted wagering requirements; 2.3.4 reference to “All Funds” means both the Deposit Funds and Bonus Funds; and 2.3.5 reference to “Winnings” is to any and all winnings from wagers made with money which you deposited into Your Player Account and winnings from any bonus which are not subject to wagering requirements or in respect of which the wagering requirements have been satisfied. 3 CHANGES TO THE TERMS OF USE 3.1 We may need to change the Terms for a number of reasons, including but not limited to, for commercial reasons, or in order to comply with new laws and regulations. The most up-to-date Terms are the ones available on the site, and the date on which they came into force is stated at the top of these Terms. 3.2 We will notify you of material changes to these Terms prior to them taking effect. We will notify you of any material changes, or of any other changes to the Terms which we wish to notify you of, by email or by placing a notice on the Website. Prior to any material changes coming into effect, you will be requested to confirm that you have read and accept the new terms and conditions. In the event that you do not, you may withdraw your funds and close your account at any point in time. 4 YOUR ACCOUNT 4.1 In order to place a bet or play games via the Website, you will need to open an account on the Website (“Your Player Account”). In the event that you are registering or depositing using BankID or any other similar form of electronic verification, you authorise us to receive your personal details from such third party system and, on the basis of that information, to create Your Player Account. 4.2 For various legal or commercial reasons, we do not permit new accounts to be opened by customers resident in certain jurisdictions, including the United States of America (and its dependencies, military bases and territories including but not limited to American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Puerto Rico, and U.S. Virgin Islands), Afghanistan, Algeria, Angola, Anguilla, Antigua & Barbuda, Argentina, Aruba, Australia, Austria, Armenia, Azerbaijan, Bahamas, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bonaire (Sint Eustatius and Saba), Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Cape Verde, Cayman Islands, Central African Republic, Chad, China, Christmas Island, Cocos (Keeling) Islands, Comoros, Congo (Democratic Republic of), Cook Islands, Costa Rica, Cote d’Ivoire, Cuba, Curacao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Ethiopia, Fiji, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Ghana, Greece, Greenland, Grenada, Guadeloupe, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island, Holy See (Vatican City State),Honduras, Hong Kong, Hungary, Indonesia, Iran (Islamic Republic of), Iraq, Ireland (sports betting prohibited), Israel, Italy, Jamaica, Jordan, Kazakhstan, Democratic People’s Republic of Korea, Kuwait, Kyrgyzstan, Lao People’s Democratic Republic, Latvia, Lesotho, Liberia, Libya, Lithuania, Madagascar, Malawi, Malaysia, Maldives, Mali, Martinique, Mauritania, Mauritius, Mayotte, Micronesia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, New Caledonia, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, Oman, Pakistan, Palau, State of Palestine, Panama, Papua New Guinea, Philippines, Pitcairn, Poland, Portugal, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena (Ascension and Tristan da Cunha), Saint Kitts & Nevis, Saint Lucia, Saint Martin (French part), Saint Pierre and Miquelon, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Sudan, Spain, Sudan, Suriname, Svalbard and Jan Mayen, Swaziland, Sweden, Switzerland, Syria, Tajikistan, Tanzania (United Republic of), The Faroe Islands, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos, Tuvalu, Uganda, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, Virgin Islands (British), Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe or other restricted jurisdictions (“Restricted Jurisdiction”) as communicated by us from time to time. 4.2.1 By using the Website, you confirm you are not a resident in a Restricted Jurisdiction. If you open or use the Website while residing in a Restricted Jurisdiction: Your Player Account may be closed by us immediately; any Winnings and Bonus Funds will be confiscated and forfeited by you and any remaining Deposit Funds (except for any Winnings) will be returned to you on request subject to these Terms and any legal or regulatory obligations with which we are required to comply. We may make a reasonable charge for processing such withdrawal which reflects an accurate estimate of our costs. You may not use this provision in order to request a refund when Deposit Funds have been played from a Restricted Jurisdiction. 4.3 When attempting to open an account or using the Website, it is the responsibility of the player to verify whether gambling is legal in that particular jurisdiction. 4.4 A player must register personally by following the on-screen instructions. 4.5 When you open Your Player Account you will be asked to provide us with personal information, including your name, date of birth, and appropriate contact details, including an address, telephone number and e-mail address (“Your Contact Details”). A player that is depositing or playing with us by logging in through BankID instead of using other site specific login credentials authorises us to collect the necessary identification information through BankID and to create a Player Account on his behalf. 4.6 You hereby acknowledge and accept that, by using the services at the Website, you may both win and lose money. 4.7 Only players registered from Great Britain are permitted to open an account in Pounds Sterling (GBP). All other players are requested to open an account in their local currency or USD. 4.8 Your Player Account must be registered in your own, legal, name. You may only open one account on this Website and in association with this brand. Any other accounts which you open subsequently on this the Website or otherwise in association with this brand shall be considered “Duplicate Accounts”. Any Duplicate Accounts may be closed by us immediately and: 4.8.1 any Bonus Funds will be confiscated and forfeited by you and any remaining Deposit Funds (less any Winnings) will be returned to you on request (minus any reasonable charges) subject to these Terms and any legal or regulatory obligations with which we are required to comply; 4.8.2 Any Winnings or bonuses which you have gained or accrued or (in relation to outstanding (unsettled) bets) may gain or accrue and which have been or may be credited to Your Player Account and/or withdrawn by you from Your Player Account during such time as the Duplicate Account was active will be forfeited by you and may be deducted from Your Player Account or reclaimed by us, and you will return to us on demand any such funds which have been withdrawn from the Duplicate Account. 4.9 You must maintain Your Player Account and keep your details up-to-date. If you wish to close Your Player Account you must send a request to do so to support@Rizk.com. On account closure, any Bonus Funds will be cancelled and any Deposit Funds less than €3/£3 will be appropriated and used to fund responsible gaming charities of other similar good causes projects. 4.10 You may re-open a closed account by contacting customer support during the data retention period, as notified in the Privacy Policy. 4.11 We are required by the terms of our Licence from the Gambling Commission to inform customers about how we hold funds on account for you, and the extent to which funds are protected in the event of insolvency – see http://www.gamblingcommission.gov.uk/Consumers/Protection-of-customer-funds.aspx We hold customer funds in a separate account from Company funds accounts. This means that steps have been taken to separate customer funds but customer funds are not protected in insolvency: not protected segregation. 4.12 Subject to us first obtaining specific and withdrawable consent from you, we may keep you informed about changes on the Website, and about new services and promotions, by email, phone and SMS. At any point in time, the user can opt out from receiving such communications by sending an email to support@Rizk.com or choosing “My Account” – “My Details”. 5 VERIFICATION OF YOUR AGE AND IDENTITY 5.1 You confirm that: 5.1.1 You are at least 18 years of age, or any higher age required by laws that apply to you (the “Legal Age”). When opening an account, you will be required to confirm that you are the Legal Age. It is an offence for any GB person under the age of 18 to participate in gambling. It is also an offence for any Canadian person under the age of 19 and residing in British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territory, Nova Scotia, Ontario, Prince Edward Island, Saskatchewan, and Yukon Territory to participate in gambling; 5.1.2 The details supplied when opening Your Player Account are correct; 5.1.3 You are the rightful owner of the money in Your Player Account; 5.1.4 You are a resident in a jurisdiction which allows gambling; 5.1.5 You are not a resident in a Restricted Jurisdiction; and 5.1.6 The money deposited is not derived from any activity which is illegal. 5.2 The Company complies with UK, Maltese and European laws, regulations and guidelines for the prevention of money laundering and the funding of terrorism. Suspicious transactions shall be investigated by the Company and, if necessary, a suspicious transaction report will be made by the Company to the competent Maltese or UK Authorities (or other appropriate Authorities) (the “Authorities”) without notice or further reference to you. Furthermore, in the event of any suspicious transactions, the Company may suspend, block or close the account(s) of the relevant player(s) and withhold All Funds in the relevant Player Account(s) as may be required by law and/or by the competent Authorities. 5.3 We may check any transactions made by players on our Website in order to prevent money laundering and all other illegal activity. 5.4 By agreeing to the Terms you authorise us to undertake such checks as we may require ourselves or may be required by third parties (including regulatory bodies and Authorities) to confirm your age, identity and contact details in order to prevent money laundering (the “Checks”). 5.5 We reserve the right to delay or withhold any payment to/from Your Player Account (including Deposit Funds), until we are satisfied that your identity, age and place of residence have been suitably verified. 5.6 We are required to undertake verification of your age, identity and address. In the case of GB players, if such verification is not completed electronically on registration to our satisfaction, before allowing you to play or to deposit any funds into your Player Account we are required to collect documentation from you in accordance with Clause 5.8. 5.7 We may use third party providers to undertake these Checks on our behalf. By agreeing to these Terms you authorise us to provide your personal details to such third parties, who will keep a record of the information we provide to them. In the event that we do not receive the required information from you, or we are otherwise unable to verify your identity, we may terminate these Terms, close Your Player Account and (where there are already funds loaded onto Your Player Account) return to you on request any Deposit Funds in Your Player Account at the time we placed a lock or restriction on Your Player Account, plus any funds deposited after the lock was placed on Your Player Account, subject to these Terms and except where it is necessary for us to delay or withhold the payment to you of all or some of your Deposit Funds to comply with our legal and regulatory obligations including our anti-money laundering and fraud prevention obligations. 5.8 In certain circumstances we may have to contact you and ask you to provide further information to us in order to complete the Checks. In the case of GB Players, upon reaching EUR2,000 in cumulative lifetime deposits, we will conduct Checks to verify your identity and address. We may also request information about your source of wealth and sources of income. In the case of non-GB Players, we may carry out identification and verification Checks on a player reaching EUR 2,000 in cumulative lifetime deposits or on a player reaching EUR 2,000 in a rolling period of 180 days. It shall be at the sole discretion of the company to decide, on a risk-based approach, which timeframe to consider for purposes of triggering the Checks. If you do not or cannot provide us with such information or such information is not satisfactory, then in accordance with paragraph 5.7, we may lock or restrict Your Player Account until you have provided us with such information, and if we do not receive the required information, or we are otherwise unable to verify your identity, we may terminate these Terms, close Your Player Account and may return to you on request any Deposit Funds in your account at the time we placed a lock or restriction on Your Player Account, plus any funds deposited after the lock was placed on Your Player Account, subject to these Terms and except where it is necessary for us to delay or withhold the payment to you of all or some of your Deposit Funds to comply with our legal and regulatory obligations including our anti-money laundering and fraud prevention obligations. To complete our Checks we may ask you for: 5.8.1 Passport, national identity card or driving license together with a recent utility bill (e.g. gas, electric, council tax, bank or building society statement,) less than three months old; 5.8.2 Proof of ownership of payment method – depending on the deposit method used, this may include a copy of the credit card used, screen shot of the e-wallet or a recent bank statement; 5.8.3 Any other documents that we consider necessary in order to complete our Checks. 5.9 In certain circumstances we may also have to ask you to provide information in relation to your source of funds and source of wealth. This includes supplying a source of wealth declaration and any supporting documentation as to the declared source of wealth, including but not limited to, bank statements and payslips. We retain the right to lock Your Player Account and suspend any further deposits, if you fail to provide us with the information and documentation requested. We may further suspend withdrawals to comply with our legal and regulatory obligations including our anti-money laundering and fraud prevention obligations where we have a suspicion in relation to Your Player Account. 5.10 In the case of GB-players, if on completion of age verification, you are shown to be under the age of 18, your Player Account will be closed. 5.11 In the case of non-GB players, if we are unable to confirm that you are of Legal Age then we may suspend Your Player Account. If you are proven to have been under the Legal Age at the time you made any gambling or gaming transactions, then: 5.11.1 Your Player Account will be closed and any remaining (unspent) Deposit Funds paid to you; 5.11.2 Any Winnings and/or Bonus Funds which you have accrued during such time will be confiscated and forfeited by you and you will return to us any such funds which have been withdrawn from Your Player Account; 5.11.3 Any Winnings in Your Player Account will be forfeited. 5.11.4 In the event that a player under the age of 18 creates an account, but then plays again when over 18, we deem any use of our system as an acceptance of the then current terms and conditions and we shall not refund deposits and allow the player to keep any winnings 6 INACTIVITY AND DELETION OF PLAYER ACCOUNTS 6.1 In respect of GB customers, if Your Player Account remains inactive (i.e. you have not logged-in to Your Player Account via the Website) for more than 30 months and the balance in Your Player Account is zero, Your Player Account may be closed and deleted. 6.2 In respect of GB customers, if Your Player Account remains inactive (i.e. you have not logged-in to Your Player Account via the Website) for more than 30 months and there are any Deposit Funds in Your Player Account, we reserve the right to close Your Player Account in which case we will attempt to contact you to arrange for any Deposit Funds to be returned to you (subject to these Terms and except where it is necessary for us to delay or withhold the payment to you of all or some of your Deposit Funds to comply with our legal and regulatory obligations including our anti-money laundering and fraud prevention obligations) and any Bonus Funds will be forfeited. 6.3 In respect of non-GB customers, if a player account remains inactive (i.e. when no login is performed via the Website) for a period of more than 12 months, we are entitled to charge a monthly account maintenance fee of €5, starting on the 13th month of inactivity. Following 12 months of uninterrupted inactivity, we will send a reminder mail to you via the e-mail address saved in Your Player Account details. Upon receipt of this reminder mail, you will have 30 days to log into Your Player Account and also to withdraw funds. If no login is registered within this 30-day period, €5 of Deposit Funds, or in the absence of Deposit Funds, Bonus Funds, will be deducted from the balance. If the balance is less than €5 then the whole amount will be deducted. From the 12th month of inactivity onwards a monthly charge of €5 will be incurred and deducted from the real money credit or bonus money credit of the player account accordingly. Provided that if the account is inactive due to a definite period of self-exclusion, inactivity fees shall not be charged during that period and resume 30 days following the expiration of the definite self-exclusion period. 6.4 If Your Player Account remains inactive for a total period of 30 months, we will close Your Player Account. Any remaining funds will be kept by us for you for a period of five (5) years. 6.5 In respect of Account Closures, you must ensure that the Deposit Funds balance of your account has been withdrawn prior to making your request. Where you hold a balance equal to or less than €3/£3 or currency equivalent we will deduct this from your account automatically and Close the Account. Any remaining Bonus Funds will be cancelled on account closure. 7 USERNAME, PASSWORD, AND CUSTOMER INFORMATION 7.1 After opening Your Player Account, you must not disclose (whether deliberately or accidentally) your username and password to anyone else. If you have lost or forgotten Your Player Account details you may retrieve your password by clicking on the “Forgot Password?” link below the login portal. 7.2 Players that are logging in using BankID or similar e-ID verification systems, may use BankID to log-in to the Site. Players shall keep details of their BankID or other e-ID verification numbers secure and shall be solely responsible for the security of those details. 7.3 We shall not be held responsible if there is any unauthorised use of Your Player Account for any reason not directly imputable to us. You are solely responsible for the use and operation of Your Player Account, as well as for the security of the credentials to access Your Player Account. 8 DEPOSITS TO YOUR PLAYER ACCOUNT 8.2 Deposits are made by transfer of money to the Company’s account by way of the payment methods stated on the Website. The payment methods currently available include debit cards, credit cards, e-Wallet payments, Prepaid Cards, Instant Banking, Fast Bank Transfers and Bank Transfers. The Company reserves the right, to change the accepted methods of payment at its sole discretion. The Company further reserves the right to accept certain methods of payment only subject to the fulfilment of certain conditions. The Company does not warrant that all methods of payment are available at all times. To verify which payment and withdrawal methods that are currently available and the minimum deposit amount and transaction fees applicable kindly visit our Deposit tab in the main page of our Website. By way of guidance below you can find a guidelines of transaction time for each payment method: E-Wallets (such as Skrill, Neteller, ecoPayz and more): Immediate Pre-Paid Card (such as paysafecard): Immediate Bank Transfer: Between 2 – 5 working days Credit Cards: Immediate 8.3 We do not accept cash funds or cheques sent to us. 8.4 By depositing money you agree not to make any charge-backs, reversals or otherwise cancel any deposits into Your Player Account, and you agree to refund and compensate us for any reasonable costs incurred by us in connection with any charge-back, reversal or cancellation of any deposits. 8.5 The Company can, under certain circumstances, credit Your Player Account with so called bonus money (which will form part of any Bonus Funds in your account). Before we credit Your Player Account with any bonus money, you must read and agree to the terms upon which the bonus money or promotion will be granted to you. We will notify you of these terms either to the email used to register your account or via “pop-up”. We run a number of promotions on the Website at any time. If you would like to review any of the terms applicable to our promotions please see: General Bonus Terms in the footer of the Website. 8.6 Any Bonus Funds are displayed separately from any Deposit Funds in Your Player Account. Bonus Funds can only be withdrawn once they have been converted into real cash Winnings that form part of your Deposit Funds. If Your Player Account contains both Deposit Funds and Bonus Funds, this is the order in which funds will be applied for wagering: 1/ firstly the Deposit Funds required to trigger the bonus will be deducted from your Deposit Funds (if available) (i.e. if You are required to deposit £100/€100 (or other currency or value) in order to claim a bonus, and there is £100/€100 or more in your Deposit Funds, then that £100/€100 will be deducted from your Deposit Funds first). The Deposit Funds so deducted will be the first used in any wagering. If there is no requirement for you to deposit your own funds to trigger the bonus or no such bonus arrangement applies then 2/ and 3/ below will apply; 2/ secondly any available Bonus Funds will be used; and 3/ thirdly any remaining Deposit Funds will be used. Specific bonus and promotion terms and conditions will be published on the Website in conjunction with the launch of any bonus or promotion. If you request to withdraw all or some of the Deposit Funds used to activate a promotion or bonus before fulfilling any of the terms and conditional applicable to any Bonus Funds (including, but not limited to, any wagering requirements) or otherwise whilst a promotion or bonus is active or pending on Your Player Account you will forfeit any Bonus Funds in Your Player Account associated with the relevant promotion or bonus in their entirety. Any Deposit Funds that you have deposited which is not related to any bonus (i.e. which was not required to be made in order to claim Bonus Funds or to participate in any promotion) are free to be withdrawn at any point in time and will not result in the forfeiture of any Bonus Funds. 8.7 Your Player Account is not a bank account and is therefore not insured, guaranteed, sponsored or otherwise protected by any banking insurance system. Additionally, any money deposited with us in Your Player Account will not earn any interest. 8.8 In relation to deposits of funds into Your Player Account, you shall only use such debit and credit cards and other payment methods that are valid and lawfully belong to you. 8.9 Deposits to Your Player Account can be made in a number of permitted currencies chosen by you upon registration. Deposits made to Your Player Account will be made in the currency chosen at registration. If you are depositing using an account with a bank or a payment service provider denominated in a currency other than that associated with Your Player Account, be aware that you may incur conversion charges levied by your bank or payment service provider. We do not provide any currency conversion facility and should you have any dispute in respect of currency conversion rates, please contact your bank or payment service provider. 8.10 If you make deposits into Your Player Account using any payment method belonging to someone else (a third party), we retain the right to request further information and documentation from you and from the other person (the third party) to confirm that you are duly authorised to use that payment method. We will place a lock on Your Player Account until we are satisfied that you are duly authorised to use the payment method in question. If you are unable to provide us with satisfactory proof of your authority to use the other person’s (the third party’s) payment method, then we reserve the right to close Your Player Account and any Winnings and Bonus Funds will be confiscated and forfeited by you, as will any funds committed by you to bets which at the relevant time are yet to be settled. We also reserve the right to delay or withhold the payment to you of any Deposit Funds on receipt of a withdrawal request from you in order to comply with our legal and regulatory requirements. 9 WITHDRAWALS FROM YOUR ACCOUNT 9.1.1 All payments made into Your Player Account have been confirmed as cleared and none have been charged-back, reversed or otherwise cancelled; 9.1.2 Any Checks referred to in paragraph 5 above have been completed; 9.1.3 For non-GB players only – You have made a minimum of one deposit to Your Player Account and you have wagered at least once, in full, the deposited amount. Should you request to withdraw Deposit Funds without first turning them over at least once, such request will be reviewed and the processing of the withdraw will be delayed until we are satisfied that the withdrawal does not pose any legal or regulatory risk to us. 9.1.4 We are not otherwise required to delay or withhold the payment to you of all or some of your Deposit Funds in order to comply with our legal or regulatory requirements and we are not pending any documentation from you pursuant to the Checks. 9.1.5 The withdrawal is in excess of the minimum withdrawal amount of €/£10 or the equivalent amount in any other currency. For GB Players the minimum Withdrawal amount will equal the minimum Deposit amount. For Non-GB players, please refer to your selected payment method in the Cashier 9.2 We will attempt to accommodate your request regarding the payment method and currency of your withdrawal. This, however, cannot be guaranteed. Unless we otherwise agree (in our absolute discretion), all withdrawals will be remitted only to the same account from where the funds paid into the player’s account originated. We reserve the right to charge a fee amounting to our own reasonable costs (including the cost of the deposits) for withdrawals of funds that have not been put into play. 9.3 A player may not withdraw any Bonus Funds other than in accordance with the terms and conditions applicable to the relevant Bonus Funds. 9.4 You are responsible for reporting your Winnings and losses to your local tax or other Authorities. 9.5 Withdrawal timeframes are dependent on the verification status of the customer. As part of our licensing requirements we must collect documentary evidence of customer’s identity, proof of address, proof of ownership of payment method, proof of source of funds and/or proof of source of wealth under certain circumstances and this can affect the approval times of withdrawal processing. Once a withdrawal has been approved customers can expect funds to reach them in the following guiding timeframes; Visa and MasterCard withdrawals: 1-3 banking days Bank Transfer Withdrawals: 1-3 banking days e-wallet Withdrawals: Same day 9.6 If Your Player Account has been dormant, closed, blocked or excluded for any reason other than for compliance with our client verification measures and for any period of time, you may contact our support team to request to recover any Deposit Funds that might still be in Your Player Account. Our support team will investigate any such request and we will contact you (subject to our legal and regulatory obligations) with information about how the Deposit Funds will be transferred back to you. You will need to answer a number of security questions for us to be able to verify that you are the legal owner of Your Player Account. If there is a dispute over Your Player Account or the funds held within it: 9.6.1 the dispute will be dealt with in accordance with our Complaints Policy as detailed at paragraph 23 of these Terms. A more detailed Complaints Policy can be made available to you on request. 9.7 In relation to withdrawals of funds from Your Player Account, you shall only use such debit and credit cards and other payment methods that are valid and lawfully belong to you. 9.8 Withdrawals from Your Player Account can be made in a number of permitted currencies chosen by the user upon registration. Withdrawals from Your Player Account will be made in the currency chosen at registration. If you are withdrawing to an account with a bank or a payment service provider denominated in a currency other than that associated with Your Player Account, be aware that you may incur conversion charges levied by your bank or payment service provider. We do not provide any currency conversion facility and should you have any dispute in respect of currency conversion rates, please contact your bank or payment service provider. 10 PLACING A BET OR GAMING 10.1 It is your responsibility to ensure that the details of any transaction you enter into are correct. Although the Company endeavours to ensure that the information available on its Website is correct, the Company assumes no liability for the any errors or any out of date, incorrect or incomplete information, including (without limitation) any results made available on the Website or the accuracy of any scores, statistics and intermediate results during in-play betting. Please refer to our Betting Rules which can be found in the footer of the Website for information relating to the settlement of bets. For the purpose of in-play or in-running betting, the player should be aware that there may be delays to live transmissions and the extent of any delay may vary between players and between events. 10.2 You can access your last 90 days transaction history on the Website. 10.3 We reserve the right to refuse the whole or part of any bet or wagering transaction requested by you at any time in our sole discretion. No bet or wagering transaction is accepted by us until the amount equivalent to the stake is deducted from the relevant balance in Your Player Account. 10.4 Once your bet or wager is accepted, you cannot cancel the bet or wager without our written consent. 11 COLLUSION, CHEATING, FRAUD AND CRIMINAL ACTIVITY 11.1 The following activities are not permitted and constitute a material breach of these Terms: 11.1.1 Colluding with third parties; 11.1.2 Using unfair advantage or influence (commonly known as cheating), including the exploitation of a fault, loophole or error in our software, the use of automated players (sometimes known as ‘bots’); 11.1.3 Undertaking fraudulent or illegal activities, including but not limited to the use of a stolen, cloned or otherwise unauthorised credit or debit card, as a source of funds; 11.1.4 Taking part in any criminal activities including, but not limited to, money laundering; 11.1.5 Transferring of funds from one player account to another; and/or 11.1.6 Conducting account fraud, use of Duplicate Accounts, manipulation of our software or Website, exploitation of loopholes or other technical forms of abuse or other behaviour which amounts to deliberate cheating. 11.2 We will take all reasonable steps to prevent such activities; detect them and ensure that the relevant players are dealt with appropriately. We may report knowledge or suspicion of an offence to the relevant authorities, we may suspend or close Your Player Account, confiscate your Winnings and any Bonus Funds (which shall be forfeited by you) and in certain cases, in fulfilment of our regulatory and legal obligations, block access to All Funds until we are directed on how to proceed by the authorities. We will not be liable for any loss or damage which you or any other player may incur as a result of any of the behaviour outlined in paragraph 11.1 above and any action we take in respect of the same will be at our sole discretion. 11.3 If you suspect a person is colluding, cheating or undertaking a fraudulent activity, please report it to us by e-mailing support@Rizk.com. 11.4 We reserve the right to inform relevant Authorities, other online gaming or gambling operators, other online service providers and banks, credit card companies, electronic payment providers or other financial institutions of your identity and of any suspected unlawful, fraudulent or improper activity, and you agree to cooperate fully with us to investigate any such activity. 12 OTHER PROHIBITED ACTIVITIES 12.1 You should not use the Website for any purpose which is considered to be defamatory, abusive, obscene, racist, sexist, discriminatory, or offensive. You must not use any abusive or aggressive language or images; swear, threaten, harass or abuse any other person, including other users, or behave in such a manner towards any Company staff used to provide the Website or Customer Services. 12.2 You shall not corrupt the Website, flood the Website with information with the intention of causing the Website to not function, nor use any features which may affect the function of the Website in any way for example (but not limited to) releasing or propagating viruses, worms, logic bombs or similar. Any multiple submissions or spam are strictly prohibited. You must not interfere or tamper with, remove or otherwise alter in any way, any information in any form which is included on the Website. 12.3 You shall use the Website for personal entertainment only and shall not be allowed to reproduce the Website or any part of it in any form whatsoever without our express consent. 12.4 You must not attempt to gain unauthorised access to the Website, the servers on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or similar. We will report any breach of this provision to the relevant law enforcement Authorities and we will co-operate with those Authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately. 12.5 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material due to Your use of the Website or to Your downloading of any material posted on such Website, or on any Website linked to the Website. 12.6 It is prohibited to sell, transfer and/or acquire accounts from other players. 13 CLOSURE AND TERMINATION 13.It is Company policy in the interests of security, that if no login has been recorded on Your Player Account for thirty months (an “Inactive Account”), subject to paragraphs 6.1, 6.2, 6.3 and 6.5, we shall remit the remaining balance in that account to you and close Your Player Account. If you cannot be satisfactorily located any remaining Deposit Funds in that account will be paid into a suspense account where funds will be kept for a period of five (years). After the five (year) period elapses, the Company will appropriate the funds and use those funds for responsible gaming endeavours. 13.2 In relation to GB players and non-GB players, your Inactive Account (30 months without recording a log-in) will be terminated with written notice (or attempted notice) using Your Contact Details. 13.3 In the event of any such termination by us, other than where such closure and termination is made pursuant to paragraph 11 (Collusion, Cheating, Fraud and Criminal Activity) or paragraph 18 (Breach of the Terms of Use) of these Terms, we will on receipt of a request from you, return any Deposit Funds in Your Player Account to you. Provided that in the event that the amount of Deposit Funds is less than €3/£3, those funds will be appropriated and used to fund a responsible gaming charity or other project. 13.4 The Company may refuse to open an account or may opt to close a players’ account which has already been opened at its own discretion. Notwithstanding this all contractual obligations already undertaken or entered into will be honoured subject to these Terms. 14 ALTERATION OF THE WEBSITE 14.1 We may, at our absolute discretion, add or remove, alter or amend, any of the products offered via the Website at any time. 15 IT FAILURE OR INTERRUPTION 15.1 Where unexpected system flaws, faults or errors occur in the software or hardware which we use to provide the Website we will take immediate steps to remedy the problem. 15.2 We do not accept any liability for IT failures which are caused by your equipment used to access the Website or faults which relate to your internet service provider. 16 ERRORS OR OMISSIONS 16.1 A number of circumstances may arise where a bet or wager is accepted, or a payment is made, by us in error. 16.2 Neither we (including our directors, employees, partners or agents) nor our partners or suppliers shall be liable for any loss including (without limitation) loss of any Bonus Funds or Winnings that results from any error by us or an error by you. You will forfeit any Bonus Funds or Winnings that result from any such error. In such a scenario, the stake or wager will be refunded to Your Player Account. 17 EXCLUSION OF OUR LIABILITY 17.1 Your access to and use of the products offered via the Website, is at your own risk. 17.2 We will provide the Website with reasonable skill and care and substantially as described in the Terms. We do not make any other promises or warranties the Website, or the products offered via the Website, and hereby exclude (to the extent permitted by law) all implied warranties in respect of the same. 17.3 We shall not be liable to You in contract, tort (including negligence) or otherwise for any business losses, including but not limited to loss of data, profits, revenue, business, opportunity, goodwill, reputation or business interruption or for any losses in relation to your use of the Website. 18 BREACH OF THE TERMS 18.1 You shall compensate us in full for any claims, liabilities, costs, expenses (including legal fees) and any other charges that may arise as a result of your breach of any of the Terms. 18.2 Where you are in material breach of the Terms, we reserve the right, but shall not be required, to: 18.2.1 Provide you with notice (using Your Contact Details) that you are in breach requiring you to stop the relevant act or failure to act; 18.2.2 Suspend Your Player Account so that you are unable to place bets or play games on the Website; 18.2.3 Close Your Player Account with or without prior notice from us; 18.2.4 Confiscate, and you shall forfeit, from Your Player Account, or (if applicable) recover from you the amount of any Bonus Funds and any Winnings in Your Player Account or that have been paid to you by us, in which case such Bonus Funds and/or Winnings shall be returned to us on demand; and 18.2.5 On receipt of a request from you, return any Deposit Funds (less any Winnings) to You to the account(s) from which they were deposited, minus any reasonable charges and subject to these Terms and any legal and regulatory obligations with which we are required to comply. 18.3 Any breach of clauses 4.2.1, 4.8, 11, 12, 29.3, 32.3, 32.4, 32.5, 32.6, 32.7 and 33.2 are considered material breaches. 19 INTELLECTUAL PROPERTY RIGHTS 19.1 All Website design, text, graphics, music, sound, photographs, video, the selection and arrangement thereof, software compilations, underlying source code, software and all other material contained within the Website are subject to copyright and other proprietary rights which are either owned by us or used under licence from third party rights owners. To the extent that any material contained on the Website may be downloaded or printed then such material may be downloaded to a single personal computer only and hard copy portions may be printed solely for your own personal and non-commercial use. 19.2 Under no circumstances shall the use of the Website grant to any user any interest in any intellectual property rights (for example copyright, know-how or trademarks) owned by us or by any third party whatsoever. 19.3 No rights whatsoever are granted to use or reproduce any trade names, trademarks or logos which appear on the Website except as specifically permitted in accordance with the Terms of Use. 20 YOUR PERSONAL INFORMATION 20.1 We are required according to the Data Protection Act of 2018 (Chapter 586 of the Laws of Malta) and the Data Protection Act 2018 (UK) and, the General Data Protection Regulation (when it enters into force) to comply with data protection requirements in the way in which we use any personal information collected from you in your use of the Website. We therefore take very seriously our obligations in relation to the way in which we use your personal information. 20.2 How we handle your personal information is set out in our Privacy Notice. 21 USE OF COOKIES ON THE WEBSITE 21.1 The Website uses ‘cookies’ to assist the functionality of the Website. A cookie is a small file of text which is downloaded onto your computer when you access the Website and it allows us to recognise when you come back to the Website. Information on deleting or controlling cookies is available at www.aboutcookies.org. Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of the Website. 21.2 For more information on the use of cookies please refer to the Cookie Notice. 22 COMPLAINTS AND NOTICES 22.1 If you wish to make a complaint regarding the Website, the first step should be, as soon as reasonably possible, to contact Customer Services via the LiveChat function on our Website www.Rizk.com or by emailing us at support@Rizk.com. 22.2 Complaints Procedure 22.2.1 – Complaints can only be made in respect of incidents that have taken place not longer than six (6) months from the date of the complaint. 22.2.2 – Within 24 hours of receipt of your complaint, we will email you and acknowledge that we have received your complaint, will confirm the particulars of your complaint and provide you with a copy of this procedure, upon request. An agent will log your message, investigate your complaint and respond to it. We aim to provide you with a substantive response to your complaint as soon as practically possible and seek to resolve your complaint within five working days from the date we receive the complaint. 22.3 Whilst we will endeavour to resolve the complaint sooner, the maximum duration for a complaint to be resolved is eight (8) weeks. Provided that, in the event that we are unable to resolve a matter due to input required from you, and we are not sent such information within a period of seven (7) days from the date of the request, then we will ‘stop the clock’ for any additional period of delay beyond the first seven (7) days. 22.4. If your concern is not resolved at this stage you can escalate the complaint by referring the matter in writing to the Head of Customer Operations at support@Rizk.com. We aim to keep you informed throughout the process. Our Head of Customer Operations will provide you with their decision, which represents the final stage of our internal complaints procedure. We aim to ensure that the entire complaints procedure takes no more than eight weeks form receipt of a complaint. 22.5 If your complaint relates to the outcome of a gambling transaction and is not resolved to your satisfaction by our Internal Complaints Procedure within eight weeks from the date we received the complaint (taking into account any extensions provided due to any pauses in the ‘clock’), we will write to you to explain how to escalate your complaint to the independent Alternative Dispute Resolution (ADR) entity that we have appointed, whose details are: Independent Betting Adjudication Service. Address: PO Box 62639, London, EC3P 3AS, United Kingdom Email: adjudication@ibas-uk.co.uk. Fax Number: +44 02073475882. Telephone Number: +44 02073475883. 22.6 Alternative Dispute Resolution (ADR) – ADR involves the referral of unresolved disputes to an independent third party for adjudication. There is no charge to you for using this service in accordance with these Terms. The details of our ADR entity are also held by the Gambling Commission. The ADR entity reserves the right to reject disputes referred for resolution on the basis that they are frivolous or vexatious but we are not permitted to refuse referral on that basis. We are required to keep a record of all customer complaints and disputes. Details of all disputes referred to the ADR entity and details of the outcome will be provided by us to the Gambling Commission, as required by the Licence Conditions and Codes of Practice attached to MT Secure Trade’s Operating Licence. 22.7 If you request to use an ADR provider other than the Independent Betting Adjudication Service, we may agree to use such ADR provider but please check that the relevant ADR provider is approved by the Gambling Commission, as there are risks associated with using an unapproved ADR provider. For example, unapproved providers may not bound by the requirements of the ADR regulations, which require them to act in a fair, transparent and open manner. You may use the Independent Betting Adjudication Service even if you have already used an unapproved ADR provider. 22.8 We aim to respond to requests for information about disputes from the ADR provider in full within 10 days of receiving the request. 22.9 You may also use the European Online Dispute Resolution (ODR) platform to make a complaint, which will be resolved by an independent dispute resolution body. https://ec.europa.eu/consumers/odr/main/?event=main.home.show 22.10 In the event that you consider the gaming service to be conducted in a way that is unlawful, not safe, fair, or transparent you may also bring such cases to the attention of the Malta Gaming Authority by email on support.mga@mga.org.mt or alternatively via portal https://www.mga.org.mt/support/online-gaming-support/. MGA will not be able to decide the merits of the dispute since this function is reserved for ThePOGG as the approved ADR entity for handling disputes. 22.11 We are required to notify the Malta Gaming Authority and the Gambling Commission of any outcome (in whatever jurisdiction) of any proceedings taken against us by a customer in relation to a gambling transaction (but in respect of GB players excluding proceedings allocated to the County Court small claims track or equivalent in jurisdictions outside England and Wales). 23 TRANSFER OF RIGHTS AND OBLIGATIONS 23.1 We reserve the right to transfer, assign, sublicense or pledge the Terms, in whole or in part, to any person, provided that any such assignment will be on the same terms or terms that are no less advantageous to you. 24 EVENTS OUTSIDE OUR CONTROL 24.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the Terms of Use that is caused by events outside our reasonable control, including, without limitation, acts of God, war, civil commotion, interruption in public communications networks or services, industrial dispute or DDOS-attacks and similar Internet attacks having an adverse effect (“Force Majeure”). Our performance is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations may be performed despite the Force Majeure Event. 25 WAIVER 25.1 If we fail to insist upon strict performance of any of your obligations or if we fail to exercise any of the rights or remedies to which we are entitled, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations. 25.2 A waiver by us of any default shall not constitute a waiver of any subsequent default. No waiver by us of any of the provisions of the Terms shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with above. 26 SEVERABILITY 26.1 If any of the Terms are determined to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law. In such cases, the part deemed invalid or unenforceable shall be amended in a manner consistent with the applicable law to reflect, as closely as possible, our original intent. 27 LAW AND JURISDICTION 27.1 For GB Players, the Terms of Use shall be governed by and interpreted in accordance with the laws of England and Wales. The Courts of England and Wales shall have non-exclusive jurisdiction over any disputes arising out of or in connection with the Terms. 27.2 For non-GB Players the Terms of Use shall be governed by and interpreted in accordance with the laws of Malta in the Maltese Courts. 28 RESPONSIBLE GAMING AND GAMBLING 28.1 We endorse responsible gaming and gambling. We want you to enjoy your wagering experience on our site, while remaining aware of the social and financial harms associated with problem gambling. 28.2 Setting of Financial Limits – you may set financial limits related to deposits, wagers and losses by contacting our support team (GB and non-GB players) or by using the tool accessible within Your Player Account (GB players only). These limits are available to help you to control your gambling. Deposit Limits – In order to limit the amounts of deposits you can make over a certain period of time, you can set a Deposit Limit. This option can be accessed within your Account section. Net Loss Limits – A net loss limit restricts the amount of real money you can lose from the deposits you make, winnings are not included in the calculation. With a Net loss limit in place you will be unable to continue playing beyond your set net loss limit. You can set a Net Loss Limit, which can be accessed within your Account section. Wagering Limits – In order to limit the amount of money that you are able to spend over a certain period of time, you can set a Wagering Limit, which can be accessed within your Account section. The financial limits described above can be amended at any time. Any request to lower a limit will take effect immediately. Any request to raise or remove a limit will only take effect after the expiry of a minimum 24 hour “cooling-off” period (company reserves the right to impose longer period) in which the player will not be able to revert the conditions previously placed on his account. Limits apply to the brand on which they are set only. If you require any further information or assistance regarding our functionality, please contact support. 28.3 Self-exclusion (non-GB players) – Should you need to take a break from gambling with this Website you may do so by contacting support (or where, available, in the ‘My Account’ section). Self-exclusion means that Your Player Account will be closed for the specified period. This is the major difference between self-exclusion and a “time out” request (see clause 28.4). Excluding yourself will affect Your Player Account with this Website only (although if the Company determines that it is appropriate to apply the self-exclusion on other brands under the same licence, it may do so. Self-exclusions may be for a definite period or a permanent one. A definite period self-exclusion may only be shortened subject to a cool-off of 24hours (which may be increased, if appropriate to do so, at the sole discretion of the Company), and a permanent self-exclusion may only be removed subject to a cool-off of 7 days. The Company reserves the right to refuse to remove a permanent self-exclusion. Self-exclusion (GB players) – Should you need to take a break from gambling with this Website and all other Websites operated by the licence holder, MT SecureTrade Limited and group companies, we provide a self-exclusion facility which can be activated by you within the Account page or by contacting support. Self-exclusion means that Your Player Account will remain closed for a minimum period (this minimum period is 6 months and the account will not be reactivated under any circumstances during the exclusion period). Once you have self-excluded you will be excluded from all Websites operated by both MT SecureTrade Limited and group companies. This is in accordance with our regulatory obligations. Upon the end of your chosen self-exclusion period, Your Player Account will remain closed until you make contact with Customer Services to have Your Player Account reactivated. This needs to be done by first sending an email, however Your Player Account will not be reactivated without you reconfirming your request to reactivate following a “cooling off” period of 24 hours. We are not obliged to reactivate Your Player Account following any period of self-exclusion and in order for us to assess whether or not to do so, we may require you to provide updated information to us including updated identity documentation and evidence relating to your source of funds and source of wealth. We will use our best endeavours to ensure that, if you have requested self-exclusion from our Website, you will not be able to open a new account with us or any other Website operated under the licences of MT SecureTrade Limited or a group company. However, in the event that you succeed in creating a new account by supplying different data to that supplied by you when registering for Your Player Account, or by using any similar means, you agree that we shall not be liable for any losses subsequently incurred by you as a result of using our Services. Should we become aware that you have succeeded in opening a further account with us in this way, we reserve the right to immediately close that account and retain any Winnings and Bonus Funds. In such a scenario, we will (subject to these Terms and any legal and regulatory obligations with which we are required to comply) return any Deposit Funds to you (less any Winnings, withdrawals and any reasonable charges) to the account from which those deposited funds were received. 28.4 Time Out – Should you need to take a time out from gambling please use the time out functionality on the Website and choose the period you wish to be timed out. This tool can be found in the Account page. Should you for any reason be unable to impose these limits yourself please contact Customer Services. At the end of your time out period, Your Player Account will automatically be reactivated. 28.5 Setting of Session Time Limits – You may set maximum Session Time Limits by contacting our support team (non-GB players) or via the tool accessible within each customer account (GB players). While these limits are set, you will automatically be logged out and will not be allowed to continue playing when you reach the pre-set time limit in any one play session. 28.6 Filtering Systems – Filtering solutions allow you (or others such as parents or other carers) to regulate access to the internet or certain websites, based on chosen criteria. These filtering solutions can use filters to prevent children and other vulnerable people from accessing, amongst other things, gambling websites. If you share your computer with friends or family who are under the Legal Age to register or gamble with our site, or who have requested self-exclusion from gambling sites, or who may otherwise be vulnerable to problem gambling, please consider using such filtering solutions. Examples include: http://www.netmom.com/ http://www.netnanny.com/ http://www.contentwatch.com/ http://www.cyberpatrol.com/ 28.7 We are committed to supporting Responsible Gambling initiatives and encourage you to find information about Responsible Gambling at the websites of the following organisations: GambleAware (www.gambleaware.co.uk), GamCare (www.gamcare.org.uk), GordonHouse (www.gamblingtherapy.org), Gam-Anon (www.gamanon.org.uk) and GA (www.gamblersanonymous.org.uk). 28.8 Return of Outstanding Balance Process (GB players) – Upon making a self-exclusion request, we will endeavour to pay out your entire outstanding Deposit Funds on account as soon as possible and, in the event that you have not withdrawn the funds during the self-exclusion process, we will first attempt to pay you to the last recorded payment details or should that not be possible we will contact you to provide additional payment details. If we are not able to pay you the outstanding Deposit Funds within 12 months of a permanent self-exclusion being made or in the case of a temporary self-exclusion within 12 months of the expiration of the temporary self-exclusion, we will transfer the entire balance of Deposit Funds to a responsible gaming charity of our choice. PROVIDED THAT, in the event that you have an amount less than £3 as Deposit Funds at the time of the self-exclusion, we will aggregate the funds with those of other customers that also have less than £3 as Deposit Funds, and pay the total funds to a responsible gaming charity of our choice. You will not have a claim against us or against the charity to whom we donated the funds. 28.9 We reserve a right to pro-actively place financial limits or also to self-exclude Your Player Account where, for responsible gaming reasons we deem it appropriate to do so and we may refuse a request from you to remove or reduce such limit. 29 GAMSTOP 29.1 (GB Players) – GamStop is a national self-exclusion scheme available to GB Players where players can ban themselves from being able to register or log-in to the sites of any company that is a member of GamStop. The Company is a member of GamStop and committed to ensuring that any Player registered with GamStop is not able to register of gain access to the gaming services on the Site. 29.2. If you request to self-exclude by using GamStop, based on the information that you have provided to GamStop, we will take reasonable steps to prevent you from transacting on Your Player Account, as soon as is reasonably practicable, following your self-exclusion being registered with GamStop. However, there may be circumstances where we are unable to do so – these circumstances may include, but are not limited to; (1) where we are unable to match Your Player Account with the details that you provided to GamStop; and (2) where there is a technical failure in the operation of GamStop and we are unable to access the most up to date self-exclusion information. It is your responsibility to ensure that the personal details provided to GamStop are identical to those associated with Your Player Account and, should GamStop fail to match your personal details association with Your Player Account to those registered with GamStop, we shall not be obliged to offer a refund, and we will not do so in instances where we determine that the different personal details entered into both systems was deliberate. in the event that you succeed in creating a new account or to continue playing by supplying different data to that supplied by you when registering for Your Player Account, or by using any similar means, you agree that we shall not be liable for any losses subsequently incurred by you as a result of using our Services. Should we become aware that you have succeeded in opening a further account with us in this way, we reserve the right to immediately close that account and retain any Winnings and Bonus Funds. In such a scenario, we will (subject to these Terms and any legal and regulatory obligations with which we are required to comply) return any remaining Deposit Funds to you (less any Winnings, withdrawals and any reasonable charges) to the account from which those deposited funds were received. For more information on GAMSTOP, please visit https://www.gamstop.co.uk/. 30 LINKS 30.1 Where we provide hyperlinks to other websites, we do so for information purposes only. You use any such links at your own risk and we accept no responsibility for the content or use of such websites, or for the information contained on them. 31 CHAT ROOMS (BLOG) 31.1 The Company gives its customers the possibility to make use of a chat room where they are able to communicate with other players registered and making use of the site. We set the chat room policy and reserve the right to change these policies at any time. We will notify you of any changes to the terms in accordance with paragraph 3 of these Terms. By using this chat room, you are binding yourself to comply with these Terms. 31.2 The chat room is intended for legitimate comments and constructive discussion. We reserve the right to restrict the ability of individuals to post comments in any chat room set up by us. We do not accept any liability arising from the use of such chat rooms by you or other players or other persons which is incorrect, inaccurate or otherwise in breach of these Terms. 31.3 Every user of our chat room agrees not to post any comment which is: 31.3.1 Defamatory in nature or contains any information that the user has no legal right to publish or to disclose, or the disclosure or publication of which is otherwise illegal; 31.3.2 (Or contains anything which is) racist, vulgar, hateful, obscene, profane, threatening, insulting or offensive; 31.3.3 Intended to impersonate another person or entity; 31.3.4 Posted for the purpose of advertising; 31.3.5 contains a link to any virus, corrupted file, key loggers or any other malicious code or material that could cause harm to the computer, data or financial security of any party; 31.3.6 A comment intended to take advantage of or collude with or against other players or us using our site or amount to activities of a suspicious or criminal nature; 31.3.7 A link to any false or misleading statements or any statement seeking to unfairly manipulate a market, game or event; 31.3.8 An attempt to collect or store data about other users; 31.3.9 A misuse of Forum functionality; 31.3.10 Information protected by any form of intellectual property whether registered or unregistered or any contractual, statutory and equitable obligations of confidence. We monitor the content of chat room comments in an attempt to prevent any chat which would breach these Terms. In order for us to monitor the chatrooms, we require all chat to be in the primary language of that particular forum. 31.4 Our forums are moderated and all conversations are logged or recorded. We reserve the right to refuse to post any comment/s and investigate and take provisions, which may include but are not limited to the closure of any account against any user who is in breach of these Terms. We also reserve the right to close or remove any chat rooms without prior warning and also to report any suspicious chats or comments to the relevant Authorities. 32 SPORTS BETTING These Sports Betting Rules apply in addition to our Betting Rules and the General Terms and Conditions and are to be read in conjunction with the Betting Rules and the General Terms and Conditions. In the case of any dispute between these Sports Betting Rules, the Betting Rules and/or the General Terms and Conditions in relation to sports betting, these Sports Betting Rules will take priority, followed by the Betting Rules and then the General Terms and Conditions. Defined terms used in these Sports Betting Rules have the same meaning as in the General Terms and Conditions. 32.1 Betting Rules. All sports betting will be carried out in accordance with our Betting Rules. Our Betting Rules explain the basis on which sports bets are accepted and settled. This includes circumstances in which bets may be cancelled by us, and the treatment of cancelled events. Our Betting Rules can be accessed via the footer of the Website – Betting Rules. Please make sure that you read them carefully before accepting them. Your continued use of the sports betting services available on the Website constitutes acceptable of these Sports Betting Rules and the Betting Rules. 32.2 Persons who are not permitted to place bets. We do not accept any of the following bets: Any and all bets placed by or on behalf of anyone who is in any way ‘participating’ in a sporting event. This includes, without limitation, players, athletes, managers, trainers, owners and club functionaries; Any and all bets placed by anyone with ‘inside knowledge’ relating to a sporting event; and /or Any and all bets placed by persons in violation of the rules of a sport governing body or such persons’ employer. We reserve the right at all times to void, rescind or cancel any bets made in any of the above circumstances outlined in paragraphs 33.2a., b. or c. and/or to confiscate any Winnings which shall be forfeited. All stakes will be returned on request, subject to the Terms and any legal or regulatory obligations with which we are required to comply. We will also take any such actions where we are required to do so by any relevant gambling or other regulatory body or any sport governing body that we consider necessary or appropriate including, without limitation, notifying any relevant gambling or other regulatory body or any sport governing body and providing them with information to enable them to conduct an effective investigation into the matter. 32.3 Variation of Odds. All odds offered on the Website are subject to variation at any time prior to the bet being accepted (signified by a change in Your Player Account balance). Any such variations are determined solely at our discretion. Subject to paragraphs 33.5 and 33.6 below, once a bet has been accepted (signified by a change in Your Player Account balance) the odds shown in the betting slip will apply, subject to the Terms (including, without limitation) paragraphs 33.5 and 33.6 below. This paragraph applies irrespective of any other claim or previous publication present on the Website, or any other form of media, specifying otherwise. 32.4 In the event that a particular amount, or an amount in excess of the amount to which you are properly entitled, is erroneously paid to you, you agree to immediately inform us and upon request from us, repay to us the full amount which has been erroneously paid to you. 32.5 We have the authority to adjust Your Player Account to reflect the true outcome of any bet and rectify any errors. Examples of such errors include, without limitation, instances where a price is incorrect, a bet is placed outside of the time within which it is required to be placed,, a failure occurs in one of our systems, an incorrect result has been entered, bets are allowed to be placed on a game that has already been decided upon, a pre-match bet on a game that has already commenced is still allowed, betting on markets containing incorrect participants (such as the case where Manchester United are playing in a game, but erroneously we state Manchester City and price the game as if it were Manchester City playing) is allowed, or any other mistake, misprint, misinterpretation, mishearing, misreading, mistranslation, spelling mistake, technical error, transaction error, manifest error, force majeure and/or any other similar mishap. 32.6 Every effort is made to ensure that errors are avoided when accepting bets. However, in the event of, for instance, a human, technical or other error a bet is accepted at a price (which includes the odds, handicap provisions and other terms or details of the bet) that is clearly incorrect, given the probability of the event occurring at the time the bet was made, we will: a) void the bet in the case that the event has not taken place; and/or b) cancel any payment of Winnings associated with the affected bet or part of the bet if it is a multiple bet; and/or c) return your stake to you. 32.7 Live transmissions: Please be aware that live transmissions may at any time be delayed. The extent of any such delay may vary from one customer to another. We shall not at any stage and/or for any reason be held liable for any loss that may arise as a result of any such delay in a live transmission. Furthermore, in the event of live (in-game) betting, all bets placed (and/or accepted) shall not be valid and shall be declared void if we have reason to believe that such bet was placed after the outcome of an event is known or at a time when a circumstance has already occurred that would materially impact the outcome of the bet offered by us. In the event that any such bets are declared void, stakes shall be returned to you and any Winnings will be confiscated and forfeited by you. If we know or suspect that you may be using any delay in live transmissions to your advantage, we reserve the right to close Your Player Account, void any relevant bets and the Winnings associated with those bets. Any stakes relating to those bets will be returned to you on request. 32.8 Cash out – You have the possibility to ‘Cash Out’ money placed on bets in certain instances. We have full and absolute discretion to determine which markets will permit cash-out functionality and we also have full right to suspend a cash-out option at any time. The Cash Out function allows You the possibility to redeem, at its present value (determined by us in our absolute discretion), a bet which has not yet been completed (the “Cash Out Option”) subject to the following conditions: The Cash Out Option is not available on all events but only on specific, selected events, both pre-match and live. The Cash Out Option is possible on both single and multiple bets. The Cash Out Option is not available on free bets or when Bonus Funds are being used. Errors and delays, as specified in paragraph 33.5 and paragraph 33.6 above, respectively, may at any time affect the possibility or otherwise of a Cash Out Option. In the event that due to any such errors or delays, an offer is removed or odds fluctuate, the Cash Out Option may not be used. We reserve the right, at all times, to suspend the functionality of the Cash Out Option in total or in respect of selected markets or events. If you have successfully made use of the Cash Out Option with respect to a bet, pay-outs in respect of a ‘cashed-out’ bet will be settled promptly. Any events following the particular bet will not at any stage be taken into account. If we know or suspect that you have made use of the Cash Out Option when the outcome of an event is known, we reserve the right to void the original bet that you tried to Cash Out. In these circumstances, the original stake will be returned to you on request and any Winnings will be confiscated and forfeited by you. 32.9 Validation. Subject to 33.5 and 33.6, a bet shown in the betting slip is only accepted by us once it has been submitted and the balance equivalent to the stake is deducted from Your Player Account balance. If you are unsure as to whether or not a bet has been accepted by us, please check any pending bets in Your Player Account. You may also contact Customer Services via the LiveChat function on our Website www.Rizk.com or by emailing us at support@Rizk.com, for any such confirmation as to the validity, acceptance or otherwise of a bet. 32.10 Once we have accepted a bet it is not possible for you to withdraw or cancel it. It is Your responsibility to make sure that all details of any bets you place are correct prior to placing any such bets. 32.11 Betting restrictions on any market or event may, at any time, be imposed by the Company, at its sole and absolute discretion save that where we offer a free bet promotion relating to sports betting, we will not enforce any account restriction where you have, prior to the account restriction being notified to you, made one or more qualifying bets in respect of that free bet promotion, where such an account restriction would materially affect your ability to complete the qualifying bets required by the free bet promotions. An “account restriction” includes any stake restriction which lowers the amount you can wager and/or stake factoring and/or removal or reduction of your eligibility to receive free bet bonuses but it does not include any restriction that we are required to impose, or action we are required to take, in order to comply with our legal or regulatory obligations. 32.12 The Company reserves the right to decline to accept a bet at all times prior to it being accepted by the Company (signified by a change in Your Player Account balance), without giving any reason. Once a bet has been accepted, a bet may only be voided in accordance with these Sports Betting Rules or any other Term. 32.13 The Company reserves the right at all times to: declare any bets void with respect to an event (or a series of events); and/or withhold payment of any Winnings associated with such bets; and return the stake associated with any such bets to you, if we reasonably believe that any of the following events have occurred: (i) any doubt has been cast on the integrity of the event; (ii) the price or prices has/have been manipulated; (iii) any form of match-rigging has taken place, or the match is under investigation for such an occurrence. Evidence of any of the above instances may be based on the size, volume or pattern of bets placed with MT SecureTrade Limited and/or any other group company, across any or all of its betting channels, as well as any information received from other betting providers or officially recognized organizations. 32.14 In the event of an accepted bet, which forms part of a multi bet, being voided for any reason in accordance with the Terms, the voided bet will not impact the rest of the accepted bets/legs appearing on the same betting slip. 32.15 (GB players) Please note that the Gambling Commission has the power to void a bet which it considers to have been substantially unfair, in accordance with the provisions of section 336 Gambling Act 2005. 33 ESPORTS BETTING 33.1 Where the outcome of any Match/Map/Game or other two way market is a draw then any bets or wages placed on such Match/Map/Game or other two way market will be deemed void and your stake will be refunded. 33.2 In circumstances where an event starts but does not complete, undetermined markets will be deemed void and your stake will be refunded. 33.3 In the case of victory by in-play disqualification of an opponent, match winner bets will be settled according to the official result. 33.4 In the case of a team/player forfeit or disqualification before the match has started, all markets will be voided and your stake will be refunded. 33.5 For handicap, over/under and all prop markets, the full match must be played for bets to stand if not yet determined. 33.6 Any non-live bets that are placed after official starting times will be deemed void and your stake will be refunded. 33.7 Official results and statistics are used for settling. 33.8 We will settle bets based upon such data or statistics as we consider (acting reasonably) to be reliable. 34 INTERPRETATION 34.1 The original text of the Terms is in English and any interpretation of them will be based on the original English text. If the Terms of Use or any documents or notices related to them are translated into any other language, the version most favourable version to the player shall prevail.

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