Section

TERMS OF SERVICE
*IMPORTANT INFORMATION*
PLEASE READ THIS INFORMATION BEFORE YOU MOVE ON

1.1	AG Communications LTD ("us", "we" "our") is incorporated under the laws of Malta, which is licensed by the Gambling Commission (as defined in Section 2 below) for the purposes of operating and offering internet gambling services in Great Britain under licence number 039483-R-319409-017. Our registered office is at 135, High Street, Sliema SLM 1549, Malta. AG Communications Limited is owned by Aspire Global Limited, a Malta-based company with registration no.C80711 and having address registered at Level G, Office 1/5086 , Quantum House, 75, Abate Rigord Street, Ta' Xbiex, XBX 1120 as well acting through its Gibraltar branch with registration These Terms of Service and The Other Terms That Apply to You	1.2	Please ensure that you read carefully, understand and agree to these Terms of Service before you start to use the Site, Services and/or Software. These Terms of Service contain important information about the legal agreement between you and us, and provide information about what other rules and policies form part of our relationship with you. Please also make sure that you have read and understood all Additional Rules and Policies that apply to your use of the Site, Services and/or Software (see section 1.4 below) and that together with these Terms of Service form the "Agreement".	1.3	The Agreement constitutes a legally binding agreement between you and us. By registering for a Player Account with us and/or by otherwise using the Services and/or Software, you agree to be bound by the Agreement. The Agreement will govern your use of the Site, Services and Software. If you do not agree to any of the provisions of the Agreement you should immediately stop using the Site, Services and Software.
1.4	Not all of the legal terms and conditions that apply between you and us are set out in these Terms of Service – some of them are contained in separate documents in order to avoid these Terms of Service becoming too long. We cross-refer to these other documents and provide you with links to them below. They are nevertheless important terms which form part of the legal contract between you and us. These cross-referenced terms which (together with these General Terms) form the Agreement include the following additional rules and policies ("Additional Rules and Policies"):

1.4.1	Responsible Gaming Policy - information contained in this policy relates to preventing compulsive gambling, setting self-limits and how to self-exclude.
1.4.2.	Cash Out Policy - information contained in this policy relates to how you may withdraw real money funds from your Player Account.
1.4.3.	Bonus Policy - information contained in this policy relates to Promotions which we may run from time to time and includes General Rules (which apply to all Promotions), Casino Bonus Terms, Sports Bonus Terms, and the rules relating to prohibited promotional play and restrictions on winnings.
1.4.4.	Promotion Terms - any Promotion-specific terms and conditions made available to you from time to time.
1.4.5	Sports Betting Rules which can be found in Sections 21, 22 and 23 below - the rules governing the use of our sports betting Services including payout limits and additional terms relating to fraud and collusion in connection with sports betting.
1.5	In addition to the Agreement, you should also read our Privacy Policy carefully, which sets out how we collect and use your personal information. Privacy and Cookie Policy.
1.6	IF YOU DO NOT AGREE TO ANY OF THE PROVISIONS OF THE AGREEMENT YOU MAY NOT USE THE SITE, SERVICES AND SOFTWARE.
1.7	We may suspend, modify, remove or add to the Site, Services and/or Software at any time.
2.	DEFINITIONS USED IN THIS AGREEMENT AND INTERPRETATION OF THE AGREEMENT In this Agreement the following capitalised terms have the meanings set out below:

Agreement	has the meaning given to it in Section ‎1.4
Additional Rules and Policies	has the meaning given to it in Section ‎1.4
Brand	means Hopa.com and the other brands that we operate.
Duplicate Player Account	has the meaning given to it in Section 5.1.
Error	has the meaning given to it in Section ‎12.3
Fraudulent Activity	has the meaning given to it in Section ‎6.3.
Inactive Player Account	has the meaning given to it in Section 5.2.
Intellectual Property	has the meaning given to it in Section ‎15.2.
Interruption	has the meaning given to it in Section ‎12.3
Gambling Commission	means the Gambling Commission of Great Britain whose website is located at www.gamblingcommission.gov.uk
Malfunction	has the meaning given to it in Section ‎12.3
Maximum Win Per Bet	has the meaning given to it in Section ‎22.1.2.
Maximum Winnings Per Month	has the meaning given to it in Section ‎22.1.3
Prohibited Practices	has the meaning given to it in Section ‎6.2
Promotions	means any bonuses, special offers, and/or promotions that we may offer from time to time via the Site.
Site	means the website located online at Hopa and its related mobile/tablet application.
Site Content	has the meaning given to it in Section 15.3
Software	means the software used by us to make the Services available to you through the Site.
Services	means the online gambling products and services (including any Promotions) made available to you through the Site.
Player Account	means an account opened by a person with us through the Site which enables that person to use the Software and/or Services.
Unlawful Activity	has the meaning given to it in Section 6.3.
us, we, our	has the meaning given to it in Section ‎0.
Username and Password	means the username and password for your Player Account, which you choose when you register to use the Services.
White Label Partner	means an entity which is not part of our corporate group who owns the Site which is operated by us.
you, your or yours	means you, as the user of the Services, the Software and/or the Site.

2.1	In the Agreement the terms "inclusive", "including", "include", "in particular", “such as”, “for example”, “in particular”, or any similar expression are illustrative, meaning that they do not limit the sense of the words preceding those terms.
2.2	The headings in these Terms of Service are for ease of reference only and shall not affect its construction.
2.3	In this Agreement, if the context so requires, references to the singular shall include the plural and vice versa.
3.	ELIGIBILITY AND VERIFICATION CHECKS 3.1 The Site, Services and Software are intended to be used by you if you play with us or register with us in the United Kingdom. 3.2 You must be at least 18 years of age to gamble on the Site. Underage gambling is a criminal offence in the United Kingdom. 3.3 We will take steps to verify that you are 18 years of age or older, before you can: 3.3.1 deposit any funds in your Player Account; 3.3.2 wager any real funds or participate in any Promotions on the Site; or 3.3.3 play any free-to-play version of any gambling game that we offer on the Site.
3.4.	Before you can gamble on the Site, we will also take steps to verify, at a minimum, your identity by verifying your name, address and date of birth.
3.5.	You will not be able to gamble until we are able to verify your age and identity as set out above.
3.6.	If we discover (following completion of our age and/or identity verification checks) that you are under the age of 18: 3.6.1 we will close your Player Account 3.6.2 all transactions made via your Player Account will be void; 3.6.3 all funds deposited by you will be returned to you using the same payment method used for the deposit of such funds, wherever possible; and 3.6.4 we may make a report to the relevant regulatory authority
3.7	In addition to any documents we may require to verify your registration details and to comply with our anti money laundering and ‘know your client’ obligations, we are entitled at any time (whether during registration or afterwards) to perform further identity and/or other verification checks in order to comply with our regulatory requirements (including, without limitation, our anti money laundering obligations) or as we otherwise require. As part of this, we may at any time request that you provide further documentation including any additional or updated financial or identity documents, such as for example, photographic ID, driving licence, passport, birth certificate, bank statements, pay slips, utility bill or lease either in their original or notarized form, via a digital scan or photo to be sent via email support@Vickers.bet.
3.8	When deciding whether to accept a registration for a Player Account, we may supply the information you have given us to authorised third parties to confirm your age, identity and registered payment details. We may also run credit checks with third party credit agencies on the basis of the information provided by you during registration.
3.9	Until we have received the requested information/documents and completed our checks to our reasonable satisfaction, we are entitled to restrict your Player Account in any manner that we reasonably deem appropriate, including by preventing you from accessing the Services, placing any bets or wagers, or from withdrawing your funds. Your Player Account may also ultimately be suspended or permanently closed in accordance with Section 7 below.
3.10	During their engagement period and for a period of 24 months thereafter, no officer, director, employee, consultant or agent of: (i) ours, or any other company within our corporate group; and/or (ii) any of our or any other company within our corporate group's suppliers, vendors or White Label Partners, is permitted to use the Services directly or indirectly. This restriction also applies to relatives of such persons and for this purpose 'relative' means any spouse, partner, parent, child or sibling.
3.11	You are aware and accept that there is a risk of losing money when gambling by means of the Services and/or Software.
3.12	You may access the Software and use the Services only via your Player Account.
3.13	You may at your discretion choose to exclude yourself from using the Services for a definite or an indefinite period. For further information please see our Responsible Gaming Policy.
4.	YOUR PLAYER ACCOUNT AND YOUR CONFIRMATIONS, PROMISES AND ACKNOWLEDGEMENTS 4.1 In order to use the Services, you must have an active Player Account. 4.2 By registering for a Player Account, you promise, confirm, and acknowledge that: 4.2.1. You are at least 18 years of age; 4.2.2 All details and documentation which you provide us with during Player Account registration and at any time afterwards are correct, true, complete, and not misleading; 4.2.3 You will update your Player Account details promptly if there is any change in the details you have provided us with. 4.2.4 You will use your Player Account and the Services for your personal and non-commercial use only; 4.2.5 You will not use your Player Account on behalf of another person; 4.2.6 You will only register one Player Account; 4.2.7 You will not reveal your Username and Password to any person; 4.2.8 We will not be responsible for any misuse or access to your Player Account unless this is directly related to our failure to exercise reasonable care and skill; 4.2.9 Should you become aware or become suspicious of any unauthorized use of your Player Account and/or your Username and Password, you will immediately notify us and we may suspend your Player Account pending further investigation of such unauthorized use; 4.2.10 Funds held in your Player Account do not accrue interest; 4.2.11 You are fully responsible for paying all monies owed to us; 4.2.12 You agree not to make any charge-backs, reversals or otherwise cancel any deposits into your Player Account; 4.2.13 You will not use the Services through another person's Player Account; 4.2.14 It is your responsibility to ensure the details of the wagers which you make are correct; 4.2.15 You are solely responsible for recording, paying and accounting to any relevant governmental, taxation or other authority for any tax or other levy that may be payable on any winnings paid to you; 4.2.16 You are solely responsible for the connection of your mobile device, tablet and/or personal computer to any telecommunications networks and Internet access services and obtaining other consents and permissions required for such devices in order to use the Services and/or the Site; 4.2.17 You have not previously held a Player Account with us that was closed or suspended as a result of your breach of the Agreement including due to any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity on your part. 4.2.18 You have not notified us, now or in the past, that you have a gambling addiction and you have not been excluded, and are not currently subject to a self-exclusion, from gambling; 4.2.19 You will not place or attempt to place a bet which is greater than the funds which you have in your Player Account. If you do not have sufficient funds in your Player Account to cover a bet we will be entitled to cancel such bet and void any resulting winnings, even if the bet has initially been accepted by us; You will not attempt to take advantage or abuse any of our Promotions including by breaching any terms or conditions contained in the Bonus Policy Bonus Policy. ; 4.2.20 You will not intentionally disconnect from a game in a way which is intended to disrupt the standard operation of that game; 4.2.21 You will not collude with another player to gain an unfair advantage against us or any other player; and 4.2.22 You will not attempt to transfer funds from your Player Account to another Player Account. 4.3 You confirm that at the time your register for a Player Account you have not self-excluded from the Site including by registering with GAMSTOP. If we discover or have reason to believe that you have registered with GAMSTOP and/or are otherwise self-excluded and you have provided us with details which are not true and accurate (for example by using shortened or different names or an altered date of birth) in order to circumvent any such self-exclusion/s, we will close your Player Account and we will not be liable to refund you any amount. 4.4 We are required by our licence to inform customers about what happens to funds which we hold on account for you, and the extent to which funds are protected in the event of insolvency https://www.gamblingcommission.gov.uk/public-and-players/guide/what-happens-to-your-money-if-a-gambling-business-goes-bust We hold customer funds separate from company funds in a financial institution in Malta in accordance with Maltese legislation, which sets out that any creditors have no claim or right of action on or against the customer funds. This means that steps have been taken to protect customer funds but that there is no absolute guarantee that all funds will be repaid in any event of insolvency. This meets the Gambling Commission’s requirements for the segregation of customer funds at the level: medium protection. 5. DUPLICATE AND INACTIVE PLAYER ACCOUNTS Duplicate Player Accounts 5.1 You may only register a single Player Account per Brand. If we discover that you hold more than one Player Account per Brand, each such additional Player Account will be classified as a "Duplicate Player Account". If at any time we discover that you hold one or more Duplicate Player Account/s, we will (in respect of each Duplicate Player Account): 5.1.1 close the Duplicate Player Account, leaving you with only the original Player Account (unless we have reason – for example if you have deliberately or fraudulently opened more than one active Player Account – to close all your Player Accounts); 5.1.2 void all unsettled and/or future bets/wagers on the Duplicate Player Account; and 5.1.3 treat all Promotions obtained using the Duplicate Player Account, and all winnings accrued from such Promotions, as void. Inactive Player Accounts 5.2 If you have not logged into your Player Account for twelve consecutive months, your Player Account will be deemed to be "Inactive". 5.3 If you have a positive balance in your Player Account, we will attempt to contact you (using the contact details you have provided to us) at least 30 days before your Player Account is classified as Inactive. You may reactivate your Player Account at any time by logging into that Player Account. 5.4 Before classifying an Account as Inactive, we will attempt to return any outstanding real money balance to you (except where this Agreement entitles us to withhold payment). 5.5 Once your Player Account has been classified as Inactive, we will deduct an administration fee of £5.00 each month. This fee will continue to be deducted each month until either (a) you contact us and provide updated payment details for your remaining balance to be refunded, (b) you login and reactive your Player Account, or (c) your Player Account balance reaches zero. 6. PROHIBITED USES OF THE SERVICES, THE SOFTWARE AND/OR THE SITE BY YOU 6.1. As we made clear in the “Important Information” section at the top of these Terms of Services, if we discover or have reasonable grounds to believe that you have engaged and/or are engaging in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity with regards to the Site, Software and/or Services, we will have certain rights against you, which are explained below. 6.2. For the purposes of this Agreement, “Prohibited Practice/s” means any of the following: i engaging in money laundering activities; ii depositing funds originating from unlawful and/or illegal activities; iii using any software programme, robot or external aid in the course of your use of the Services which is endowed with artificial intelligence, makes automated decisions or enables play without human intervention; iv hacking, attempting to hack, or otherwise circumventing or attempting to circumvent our security measures and/or systems in any way and by any means; v exploiting and/or taking advantage of any Error, Malfunction or Interruption in the Services, any Promotion, and/or Software or other forms of technical abuse; vi attempting to transfer any funds and/or winnings with another player; vii any practice which we reasonably consider is likely to cause us to breach any legal and/or regulatory obligation, with which we are required to comply, including if you provide us with details which are not true and accurate in order to circumvent any self-exclusion; viii use of the Services for any commercial purpose whatsoever; ix any attempt to reverse engineer the Software or use the Site Content or Intellectual Property accessible via the Site in any way other than to receive the benefit of the Services through the Site as contemplated by this Agreement; and/or x in respect of any bet placed by or on behalf of you on any of our sports products or services, the integrity of the circumstances under which such bet is placed being called into question by a relevant authority or where there is otherwise evidence of the misuse of inside information in respect of such bet; xi xi. any attempt to access the Site or Services from any jurisdiction outside the United Kingdom, including by using a VPN or proxy to hide or alter the location or the identity of the device used for access; and/or xii any other material breach of the terms and conditions set out in the Agreement. 6.3 For the purposes of this Agreement, “Fraudulent Activity” means: (i) using (or attempting to use) a stolen, cloned or unauthorised debit card in your use of the Services, or otherwise using (or attempting to use) any other payment method or source of funds in connection your use of the Services which you are not entitled to use; (ii) any action which is intended to (or does) defraud us or any other third party (including any other user of the Services). (iii) any use of the Services through another person’s Player Account; (iv) opening more than one Player Account; (v) collusion with others to gain an unfair advantage in your use of the Services and/or the Software (including through bonus schemes or incentive schemes offered by us); (vi) collusion with others with respect to any bets placed which involves the same or materially the same bets in order to minimise your loses; (vii) where you operate, and/or you operate with another player or a group of players, systematically with the intention of gaining an unfair advantage to the disadvantage of another player, to perform any dishonest or fraudulent act in relation to any other player and/or us including using any practice and/or techniques to cheat, us and/or by playing as a group; (viii) we become aware that you have been found guilty of fraudulent and/or collusive behaviour with respect to an online gaming operator and/or any other criminal activities; (ix) any attempt by you to register for a Player Account using false or misleading account information (except where you provide any incorrect or misleading information in order to pass relevant age-verification checks, which situation will be dealt with as described in Section 3.6 above); (xi) engaging in any dishonest or fraudulent activity (which includes taking advantage of) with regards to: (a) any bonus Promotion offered on any of the websites and/or applications operated by us and/or any member of our corporate group, including: opening multiple accounts with the websites and/or applications which we or a member of our corporate group operate; by opening multiple accounts which can't be distinguished between in order to obtain a bonus related to a welcome offer several times on any website and/or application operated by us and/or any member of our corporate group; For a full list of the websites and/or applications operated by us and/or any member of our corporate group please click here. (b) our and/or any member of our corporate group's free to play websites and/or applications and/or free games offers including continually playing with free games and/or by acquiring all the tickets for a free game. (c) in the case of repeated patterns of depositing, withdrawing and then redepositing where the sole purpose is to obtain deposit bonus; and/or (d) taking advantage of our welcome related bonus. For example: player opens Player Account, claims welcome bonus, plays a few bets on Roulette, then wins and remove the bonus in order to withdrawal; and/or For a full list of the websites and/or applications operated by us and/or any member of our corporate group please click here. (xii) any other fraudulent activity in the course of your use of the Services including (in relation to sports betting) any of the behaviours described in Section 23 below. 6.4. For the purposes of this Agreement, “Unlawful Activity” means any activity by you which is illegal, breaches any applicable law or regulation, and/or any criminal activity by you. 6.5. If we discover or have reasonable grounds to believe that you have engaged and/or are engaging in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity with regards to the Software and/or Services, we will suspend your Player Account in order to investigate and, during such period of such suspension, you may not use or attempt to use the Services and/or Software (including by attempting to open another Player Account) and you will not be able to deposit or withdraw from your Player Account. We may contact you to request further information/documentation from you as part of our investigation and you agree to provide such information/documentation in a timely manner. If our investigation results in our decision (acting reasonably) that the issue has been resolved, we will lift the Player Account suspension. If our investigation results in our decision (acting reasonably) that you have engaged in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity or if we are unable to complete our investigation because you have not timely provided the further information/documentation that we have requested, we will ultimately close your Player Account (see Section 7 below). 6.6. We are entitled to inform our affiliates/group companies, relevant authorities, other online gaming or gambling operators, other online service providers and banks, processing companies, electronic payment providers and/or other financial institutions of your identity and of your engagement or attempted engagement in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity. You agree to fully cooperate with us with our investigation into any such Prohibited Practice, Fraudulent Activity and/or Unlawful Activity and acknowledge that we may also disclose your identity and information on your engagement or attempted engagement in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity to any third party engaged by us to assist us in any investigation we carry out. 6.7. If you suspect that any other player using the Services and/or Software is engaging and/or attempting to engage in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity, please immediately let us know via email to Contact Us . 7. HOW YOUR PLAYER ACCOUNT CAN BE CLOSED Closure by you 7.1. You may close your Player Account at any time, by contacting us at support@Vickers.bet.com and we will terminate your Player Account within 7 days of our receipt of such request. You will be responsible for any activity on your Player Account until we close your Player Account. 7.2. If the reason behind the closure by you of your Player Account is related to concerns about possible gambling addiction, you must indicate this to us. If you request to close your Player Account you may undergo retention attempts, unless we are not permitted for legal or regulatory reasons. Retention procedures include without limitation contacting you through different channels for clarifying the reason for the request and specific treatment in order to solve possible problems and to improve customer satisfaction. 7.3. We may close your Player Account on no less than 14 days’ prior notice to you. We are also entitled to close your Player Account without notice (save as set out in Section 7.4): 7.3.1. if we stop providing the Services and/or the Software through the Site or if we stop making the Site available; 7.3.2. in accordance with Section 6.5 (i.e., due to engagement in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity on your part); 7.3.3. in accordance with Section 7.4 below (for legal or regulatory reasons). 7.4. We may from time to time restrict, suspend, or close your Account if required to do so for legal or regulatory or legal reasons including in order to comply with the terms of our licence. 7.5. If we are to stop: (i) providing the Services and/or Software through the Site; or (ii) making the Site available, we will provide you with reasonable prior notice of our intention to do so (to the extent this is possible). 7.6. On closure of your Player Account, you must immediately stop using the Services, Software and the Site and promptly pay all amounts which you owe to us when requested in the manner that you would normally do so or as otherwise directed by us. 8. WHAT HAPPENS ON CLOSURE OF YOUR PLAYER ACCOUNT Closure by you 8.1. If your Player Account is closed by you in accordance with Section 7.1, we will cancel all of your open bets at the time of closure and return to you your real money balance subject to any right we may have under the Agreement to withhold sums (including under Section 8.2 below). Closure by us 8.2 If we close your Player Account, any balance in your Player Account at the time of closure will be paid back to you, except that: 8.2.1 if you have engaged in any Unlawful Activity, we will be under no obligation to refund to you any money that may be in your Player Account; and 8.2.2. 8.2.2. if we discover or have reasonable grounds to believe that you have engaged in any Prohibited Practice and/or Fraudulent Activity, then we are entitled to withhold all or part of the balance and/or recover from your Player Account deposits, payouts, Promotions, and/or any winnings (as applicable) that are attributable to such Prohibited Practice and/or Fraudulent Activity. 8.3 If we close your Player Account because you have engaged in any Prohibited Practice, Unlawful Activity and/or Fraudulent Activity, we will be entitled to inform the other companies within our corporate group, and any other member(s) of such group will be entitled to close any account(s) you may hold with them. Likewise, if we are informed by any other company within our group that your account with them has been closed because you have engaged in any prohibited, unlawful or fraudulent practice/activity with respect to that account, that will be deemed a Prohibited Practice, Unlawful Activity and/or Fraudulent Activity for the purposes of this Agreement and we will be entitled to close your Player Account with us. 9. WITHDRAWALS, PAYMENTS, AND ACCOUNT BALANCES 9.1 You may withdraw your own real money deposits and winnings held in your Player Account at any time, provided that: 9.1.1 all payments made into your Player Account have been confirmed as cleared and have not been charged-back, reversed or otherwise cancelled; 9.1.2 we have completed any verification/other checks to our reasonable satisfaction (see Section 3 above). Where we have requested information from you to carry out such checks, any delay in providing this information may cause an additional delay when withdrawing funds; and 9.1.3 there is currently no ongoing, or completed (save where completed in your favour), investigation: a) into an Error, Malfunction or Interruption involving any aspect of the Software and/or Services which you have played/wagered on or participated in; or b) where we have reason to believe you have engaged in any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity which would entitle us to withhold funds in accordance with Section 8.2 above, and in both these cases (a) and (b) you acknowledge and understand that, as we made clear in the “Important Information” section at the top of these Terms of Service, we will void any affected transactions, void and withhold relevant winnings, and (in the case of Prohibited Practices, Fraudulent Activity and/or Unlawful Activity) suspend and (if applicable) ultimately close your Player Account. 9.2 You may cash out from your Player Account in accordance with the Cash Out Policy. 9.3 You understand that all financial account transactions will be handled by us, or third party electronic payment processors and/or financial institutions on our behalf, and checks on financial account transactions shall be done to prevent money laundering. We may run credit checks with third parties using the information submitted to us by you during or following the opening of the Player Account. 9.4 We do not accept certain means of payment, such as certain personal cheques, electronic wallets, and other types of payment methods- please see our Deposits Table and Cash Out Policy for more information. 9.5 We may process payments/credits to you using the same method as you have previously deposited with, for as long as the method so used allows, as per our Cash Out Policy. 9.6 All payments into your Player Account must be from a single payment source, such as a debit card or charge card, on which you are the named account holder. For the avoidance of doubt, you may only use payment sources (including debit cards and charge cards) which are in your own personal name and which do not belong to or is used by any corporate entity. For the voidance of doubt, you may not deposit in your Player Account using a credit card. 9.7 It is your responsibility to ensure that you prevent your payment methods from unauthorised use. We will not be liable for any loss you suffer as a result of unauthorized use of your payment methods including unauthorized use of your debit card or charge card. 9.8 Limits on your deposits may also apply depending on the payment method which you use as may be imposed by such payment provider, which may vary from time to time. 9.9 For some deposit/withdrawal methods we charge an administrative processing fee - these fees are detailed in the "Cashier" section of the Site. 9.10 9.10. Your Player Account is made up of a real money funds balance and a ‘bonus funds’ balance. With respect to any bets placed on casino products, which for the avoidance of doubt includes slot games, if you have sufficient real money funds and bonus funds in your Player Account, each bet you make on any casino product will be made up of 50% real money funds and the other 50% will be made up of bonus funds. If you place a bet where the real money funds or the bonus funds in your Player Account is not sufficient to cover the relevant 50% of your bet, we will use the funds the rest of your bonus funds or real money funds (as applicable) which are available to bet with to cover the rest of your bet. Your winnings from any such bet placed by you, will be paid to you in proportion to the real money funds and bonus funds you have used to place such bet. All such winnings generated by bonus funds will be subject to the terms of the Bonus Policy. By way of example only, if your Player Account has £4 (four pounds) in your real money balance and £6 (six pounds) in your bonus balance, if you place a bet of £10 (ten pounds) on any casino product, your bet will be made up of £4 (four pounds) in real money funds and £6 (six pounds) in bonus funds and such bet generates a win of £30 (thirty pounds), your Player Account will be credited with £12 (twelve pounds) to your real money balance and £18 (eighteen pounds) in bonus funds to your bonus balance, with all such bonus funds winnings being subject to the terms of the Bonus Policy. With respect to any bets placed on sport products, if you have both real money funds and bonus funds in your Player Account, the next wager you make will use real money funds first. If your you place a bet where the real money funds in your Player Account is not sufficient to cover such bet and you use bonus funds to cover the rest of such bet, your winnings from any such bet placed by you, will be paid to you in proportion to the real money funds and bonus funds you have used to place such bet. By way of example only, if you place a bet of £10 (ten pounds), of which such bet is made up of £4 (four pounds) from your real money balance and £6 (six pounds) from your bonus balance and such bet generates a win of £30 (thirty pounds), your Player Account will be credited with £12 (twelve pounds) to your real money balance and £18 (eighteen pounds) in bonus funds to your bonus balance. All such winnings generated by bonus funds will be subject to the terms of the Bonus Policy. 10. YOUR COMPLAINTS 10.1. If you have a complaint, you can contact us at support@Vickers.bet We will seek to resolve a reported matter promptly. Complaints will be escalated internally according to the urgency and nature of the complaint, and once a solution has been identified it will be made known to you as soon as reasonably possible. 10.2 If your complaint relates to the outcome of a gambling transaction and for some reason you are not satisfied with the resolution of your complaint by us within 8 weeks of us having received your complaint and where you have cooperated with us in relation to the complaints process in a timely manner, you may refer the dispute free of charge to the Independent Betting Adjudication Service (IBAS). Where you refer your claim to IBAS you should do so promptly. More information regarding IBAS's dispute resolution services can be found at: ibas-uk. For an adjudication form please send an email to: ibas-uk.com/consumers/claim-wizard/ ibas-uk . 10.3 Our complaints procedure does not stop you from filing a claim with the courts in accordance with Section 19. 10.4. The complaints procedure will not affect any rights which you may have under applicable law. 11. LIMITS ON OUR LIABILITY 11.1 Nothing under this Agreement (including this Section 11) will – or is intended to – exclude, limit or restrict our liability for: 11.1.1 death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; 11.1.2 fraud (including fraudulent misrepresentation); 11.1.3 any breach by us of your statutory rights as a consumer; or 11.1.4 any other liability which may not be excluded by applicable law. 11.2 Subject to Section ‎11.1 we make no promises that: 11.2.1 the information provided to you by the Software and/or Services is accurate and/or reliable; 11.2.2 the Software and/or Services are error, virus, or bug free; 11.2.3 defects in the Services and/or Software will be corrected; and/or 11.2.4 the Services and/or the Software will always be fully operational. 11.3 Other than as provided in Section ‎11.1, we will not be responsible to you for any liability that could not have been reasonably expected by you and us at the time you registered for a Player Account, and nor will be liable to you or any third party for any loss, damage, expenses or costs which arise from, relate to and/or are caused by: 11.3.1 your use of, or inability to use, the Services and/or Software; 11.3.2 any Error, Interruption or Malfunction; 11.3.3 any use by you of the Services and/or Software in breach of this Agreement (including any Prohibited Practice, Fraudulent Activity and/or Unlawful Activity on your part); 11.3.4 our closure or suspension of your Player Account in accordance with this Agreement 11.3.5 our suspension or modification of the Software and/or Services; 11.3.6 the content of a third party site which you access through a link made available via the Site/Services; 11.3.7 our stopping making the Software and/or Services available to you; 11.3.8 any internet or any telecommunications service provider that you have engaged in order to access the Services; 11.3.9 content you upload onto our chat facility which is made available to you as part of the Services; 11.3.10 the device through which you access the Services; 11.3.11 incorrect entries made by you, including data input errors with respect to the bets which you make; and/or 11.3.12 any event which is outside our reasonable control, this includes any telecommunications network failures, power failures, failures in third party computer (or other) equipment, cyber-attack fire, lightning, explosion, flood, severe weather, industrial disputes or lock-outs, terrorist activity and acts of government or other competent authorities. 11.4 Subject to the other provisions of this Section ‎11, our maximum liability (including that of our group companies, officers, employees and/or agents) in relation to this Agreement whether such liability arises in contract, tort (including negligence) or otherwise, shall not exceed: 11.4.1 where our liability relates to a bet or a stake which was placed or which was validly communicated to us to be placed, the amount of such bet or stake in respect of which our liability has arisen; and 11.4.2 in respect of any other liability, £1,000 (one thousand pounds). 11.5 As we made clear in the "Important Information” section at the beginning of these Terms of Service, we will not be liable to you under this Agreement, and nor do we owe you a duty of care, in respect of our compliance or non-compliance with any regulatory obligations that we may be under from time to time including those relating to 'safer gambling' or 'social responsibility'. 12. ERRORS, INTERRUPTIONS AND MALFUNCTIONS 12.1. We cannot guarantee that the Services or Software will at all times perform correctly and the Software and/or the Services may experience or be affected by various kinds of mistakes or errors – technical, human and otherwise. You understand and agree that we can only provide the Services and Software to you, and you must accept them, in the condition that we make them available from time to time. 12.2 12.2. In this Section 12, we set out a description of the things that can go wrong and the rights that we have in such events. In Section 11 above we set out how we will not be liable to you when these (and other) things go wrong. You should be aware however that these Sections do not override or cancel out any rights that you may have under consumer laws, and we do not intend that they should. 12.3 Below are some key definitions to help you understand this Section: A “Malfunction"” refers to where an automated process fails to operate as designed or intended, for example where a piece of computer software produces a deviation from its intended performance specifications or parameters, or where two pieces of software fail to interface or communicate with each other in the manner intended or designed, in either case so as to produce a result which is not the result that was intended or designed. These malfunctions may or may not be apparent to us or to you and they may only come to light as and when settlement instructions, game outcomes, winnings or cashouts are investigated and analysed retrospectively. An “Error” refers to a mistake or error that is not exclusively technical, for example the mistaken posting of incorrect odds, the offer of incorrect prices or terms for participation in a Promotion or gambling opportunity. Errors can arise from human mistakes, administrative, operational or systems failures and combinations of all of these. For example, a bet might be offered mistakenly at a price that is substantially out of the market or a Promotion designed to offer a £5 return might mistakenly advertise a £50 return or the pay-tables advertised for a product may mistakenly fail to reflect the true payment configuration of the product. An "Interruption” refers to an interruption in a gambling transaction for any reason, for example an interruption caused by the failure of the internet or connectivity, or severe latency in communications, or technical failure due to some disaster or unforeseen event. Where any of the above occur, we will deal with them as described below and it is important that you understand and agree to the following before you use the Services and/or Software, as we made clear in the “Important Information"section at the top of these Terms of Service. Malfunctions 12.4 If as a result of a Malfunction, your Player Account is credited with winnings that you would not have received were it not for that Malfunction, we will void the relevant transaction and withhold the relevant winnings. This applies even if the relevant gambling product could have produced the same or similar amount of winnings without the intervention of the Malfunction and it applies whether the Malfunction was apparent to you or to us or not at the relevant time. If you have withdrawn any such winnings, you agree that you will pay them back to us as and when we ask you to. Errors
12.5	In the event of an Error, the same applies as for Malfunctions, as set out above.

Interruption

12.6.	Our priority is to ensure that we deal with Interruptions in a way that is fair and does not systematically disadvantage our customers.
12.7.	In relation to betting: we reserve the right to suspend betting markets, void bets and return stakes to customers.
12.8	In relation to gaming:
12.8.1	where an Interruption occurs after we receive notification of your gamble and where you can have no further influence on the outcome of the event or gamble, the results of the gamble will stand;
12.8.2.	where an Interruption to a single-participant single stage event occurs before an outcome has been generated we will return you stake to your Player Account;
12.8.3.	for games where there are multiple stages or decision points we will take all reasonable steps to restore the game to its last known state prior to the Interruption to enable you to complete the game;
12.8.4.	for games with multiple participants (equal chance or otherwise) we will deal with these as seems fairest to us (acting reasonably) on a case-by-case basis; and
12.8.5	for games that are progressive jackpots, progressive jackpot values will be restored to their pre-failure state to the extent it is within our control and not the games provider.
12.9	Where any Error, Malfunction or Interruption is or becomes apparent or obvious to you or you suspect that an Error, Malfunction or Interruption may be occurring, you must immediately stop your use of the relevant Service(s) and/or Software and notify us immediately by sending an email to the following email address support@Vickers.bet.

13. YOUR RESPONSIBILITY TO COMPENSATE US AND OUR RIGHT OF SET OFF

13.1.	You must compensate us for any loss, damages and costs that we suffer as a result of and Prohibited Practice, Fraudulent Activity and/or Unlawful Activity on your part.
13.2.	We may, at any time, set off any positive balances in your Player Account against any amount owed by you to us. By way of example, in the event that following the settlement of a bet in your Player Account a resettlement is required, we are entitled to deduct from your Player Account the applicable amount of money.

14. AMENDMENTS TO THE AGREEMENT

14.1.	We may amend the Agreement from time to time for reasons including for commercial reasons, security reasons, to comply with law or regulations, to comply with instructions, guidance or recommendations from a regulatory body, or for customer service reasons. Any modified version of the Agreement will come into effect 14 days after its publication on this page of the Site (or following notification to you under Section 13.2 below, if applicable). We encourage you to re-visit this page frequently to be updated of any amendments to the Agreement.
14.2.	We will publish any amended versions of the Agreement on this page of the Site and, if we make material changes to this Agreement, we will provide prior notice to you through your Player Account and/or we will send you an email regarding such changes to the email address linked to your Player Account.
14.3.	If you disagree with any amendment made to this Agreement, you must immediately cease using the Services and Software and close your Player Account in accordance with Section ‎8.1.

15. YOUR USE OF OUR INTELLECTUAL PROPERTY

15.1.	You may only use the Site and/or the Software and all content which is made available through the Site and/or the Software in connection with your own personal non-commercial use in accordance with the terms of the Agreement.
15.2.	All rights in the logos, designs, trademarks, brands, brand names, services marks and trademarks ("Intellectual Property") used on the Site belong to us, to a company within our corporate group, the White Label Partner or to our licensors (as applicable).
15.3.	In addition, we, a company within our corporate group, the White Labe Partner or our licensors (as applicable) own the rights in all other content of the Sites including, but not limited to, the Software, images, pictures, graphics, photographs, animations, videos, music, audio and text (the "Site Content").
15.4.	Your use of the Services or the Site will not give you any rights to the Intellectual Property or the Site Content.

16. YOUR USE OF THE CHAT FEATURE

16.1.	As part of your use of the Services, we may provide you with a chat facility which is moderated and subject to controls. We may review the chat and keep a record of all statements made on such facility. Your use of the chat facility should be recreational and socializing purposes and is subject to the following rules:
16.1.1.	You shall not make any statements that are sexually explicit or offensive, including expressions of bigotry, racism, hatred or profanity
16.1.2.	You shall not make statements that are abusive, defamatory or harassing or insulting to any other person who use the Services and/or to the people who provide you with customer support.
16.1.3.	You shall not make statements that advertise, promote or otherwise relate to any other website and/or company.
16.1.4.	You shall not make statements about us, the Services, the Software, the Site, or any other Internet site(s) connected to us that are untrue and/or malicious and/or damaging to us.
16.1.5.	You shall not collude through the chat rooms or separate chats.
16.2.	PLEASE NOTE When using the chat facility any personally identifiable information that you submit can be read, collected, or used by other users of the Services who may use such information to send you messages which you have not asked for. We shall not be responsible for the personally identifiable information that you choose to submit via the chat facility.
16.3	Suspicious chats may be reported to the appropriate authorities.

17. PROMOTIONS

17.1.	We may, from time to time, offer Promotions to you via the Site. You can find more information with regards to our bonuses in the Bonus Policy and the Promotions page.
17.2	As set out in the Bonus Policy, your participation in each Promotion and eligibility to receive any bonus, free spin, free bet, matched funds, benefit or other entitlement arising from any Promotion and/or any winnings derived from, or made with, a Promotion (“Promotion Winnings”) is subject (in order of precedence) to: (i) the Promotion Terms; (ii) the terms of the Bonus Policy and (iii) these Terms of Service.
17.3	You shall not be entitled to receive (or if already received, we shall be entitled to withdraw) any Promotion or Promotion Winnings in the event that such Promotion or Promotion Winnings arose as a result of, or in connection with, any failure to comply with: (i) the applicable Promotion Terms; (ii) the terms of the Bonus Policy; or (iii) any provision of this Agreement which entitles us to close your Player Account (including as a result of any Prohibited Practice, Fraudulent Activity or Unlawful Activity).
17.4	Subject to the wagering restrictions set out in Section 22 and save in circumstances where we reasonably believe you have engaged in any Prohibited Practice, Fraudulent Activity or Unlawful Activity or as otherwise required by us to comply with any legal and/or regulatory requirement, we shall not impose any additional restriction on the stakes that you may wager on our sports betting product after you have made one or more qualifying bets required by any free bet promotion where such additional restriction affects your ability to complete the wagering requirements for that free bet promotion or otherwise receive any of the free bets (or the full expected value of the free bets) from that free bet promotion (an “Additional Account Restriction”). In the event that we do seek to impose on you an Additional Account Restriction, we shall credit you with the full expected value of the free bets from the relevant free bet promotion, to which you would have been entitled had you placed the relevant qualifying bets.
17.5	We may prevent you from taking up or participating in new Promotions and/or from completing any Promotions for legal or regulatory reasons including those relating to safer gambling.

18. BUYWIN SERVICES

18.1.	Services with a high ‘return to player’ (RTP include our “BuyWin” feature. For these Services (the “BuyWin Services”), a fee (“BuyWin Fee”) is charged on every bet. The BuyWin Fee will be displayed before the relevant BuyWin Service starts and you will be asked to click “OK” to indicate your acceptance of the BuyWin Fee before you can continue.
18.2.	The BuyWin Fee will be deducted, together with your stake, from your Player Account as further described in Section 18.3 below. By way of an example, if the BuyWin Fee is 3.33% and your stake is £/€1, the total amount deducted from your Player Account will be £/€1.033 – that is, your stake of £/€1 plus the BuyWin Fee of £/€0.033.
18.3	If you use bonus funds to make your stake on a BuyWin Service, we will deduct the BuyWin Fee from your bonus funds balance (provided you have sufficient bonus funds) based on the calculation described in Section 18.2 above; otherwise, the BuyWin Fee will be deducted from your Player Account balance.

19. OTHER IMPORTANT LEGAL TERMS

19.1.	You agree that we may transfer our obligations under the Agreement in whole or in part to any person without notice to you, provided that any such transfer will be on the same terms or terms that are no less advantageous to you. Without limiting the preceding sentence, we may wish to transfer our rights or obligations under the Agreement to another company within our corporate group or any other legal entity, including if we restructure or there is a sale of our business. You agree that we may do so provided that in the case of such a transfer, after we notify you of the date on which such transfer takes place, your rights under the Agreement will be against the new legal entit
19.2	If any part of the Agreement is determined by any competent authority to be invalid, unlawful or unenforceable, the other provisions of the Agreement shall continue to be in force. Such invalid, unlawful or unenforceable term, shall be interpreted as closely as possible to its original aim.
19.3	These Terms of Service have been prepared in various languages other than English for reference only. In the event of any differences between the English version of these Terms of Service and any non-English versions, the English version shall prevail.
19.4	Nothing in the Agreement shall be construed as creating any agency, partnership, or any other form of joint enterprise between you and us.
19.5	No waiver by us of any term of this Agreement shall be construed as a waiver of any prior or following breach of any term of this Agreement. Unless otherwise expressly stated in the Agreement, nothing in this Agreement shall create or confer any rights or any other benefits to third parties.

20. GOVERNING LAW AND JURISDICTION

This Agreement and the relationship between you and us will be governed by, and interpreted in accordance with the laws of England and Wales provided that such choice of law will not deprive you of any mandatory consumer protections of your home country (if different). If you wish to take court proceedings against us you can do so in the courts located in England and Wales or (if different) your home country.