1. Players must be at least 18 years of age or have reached the legal age of maturity in their jurisdiction, whichever is greater.
2. Players are responsible for determining the laws that apply to online gambling in their jurisdiction.
3. Only one account is allowed per household unless you meet the criteria for a second account in your household.
4. The purchase of all cards is final.
5. All games are played automatically and do not require the player to be logged in. Winners are notified by email. But make sure you stay and join the chat games for more chances to win.
6. If there is more than one winner, the prize and or jackpot will be shared equally between all winners.
7. In order to qualify for bonuses in Chat Games, the player must have purchased cards for the current game and be actively in chat.
8. Real money will always be wagered first.
9. Bonus money cannot be withdrawn.
10. Bonus money can only be used for purchasing bingo cards and for playing the in-game Slots and Scratch Cards. Bonus money cannot be used to play games accessed via the "More Games" button.
11. When a player makes a withdrawal, any un-redeemed bonus funds in the Bonus Balance and any balance in the Bonus Reserve are removed.
12. Funds which are redeposited into a player's account following reversal of a withdrawal do not qualify for a deposit bonus.

See Bonus Terms for detailed information on Ruby Bingo's bonus program.

Chat Room Etiquette

1. Respect the CM and her authority at all times.
2. Please do not write in capital letters in the chat room unless requested to do so by the CM.
   CMs are required to use CAPITAL letters as it helps players to see instructions.
3. Choose your user name wisely. Please keep your name appropriate and in good taste.
4. No racial, ethnic or sexual slurs will be allowed in chat.
5. No impersonating of any other player is permitted.
6. No harassment, arguing or disrespectful attitudes towards other players or any CM will be tolerated.
7. Complaints are to be handled by e-mail to: carol@rubybingo.com or help@rubybingo.com. Please keep complaints out of chat.
8. Please do not endorse, solicit or promote any other sites in private or open chat.
9. Please do not use language that can be considered rude or offensive to any other player.
10. Comments regarding multiple wins, amount of cards played or that are not positive in manner will be considered rude and offensive. Any infraction of this rule could cause you to lose chat privileges.
11. Help keep the friendliest chat online friendly!

Bonus Terms and Conditions

For full details on our bonus terms and conditions, click here.

RUBY BINGO END-USER AGREEMENT

PLEASE READ THE AGREEMENT CAREFULLY AND MAKE SURE YOU FULLY UNDERSTAND ITS CONTENTS. IF YOU HAVE ANY DOUBTS ABOUT YOUR RIGHTS AND OBLIGATIONS RESULTING FROM THE ACCEPTANCE OF THIS AGREEMENT, PLEASE CONSULT A LEGAL ATTORNEY IN YOUR JURISDICTION.

1 DEFINITIONS

The following words and terms, when used with this agreement, shall have the following meanings, unless the context clearly indicates otherwise.

Online Casino - ICC’s internet gaming system on the Website and related services and gaming activities as offered and listed at www.rubybingo.com including but not limited to, online casino and/or online bingo and/or Online Casino and/or any other games, where applicable;

Player Account - One personal single account pertaining to one domestic household address, opened by an individual and maintained with us to enable that person to play games on the Online Casino;

Software - the software licensed to us including any program or data file or any other content derived therefrom, that required to be downloaded, accessed or otherwise utilized by you from the Website enabling you to participate in the Online Casino;

Username and Password - the username and password which you choose on registration with the Online Casino;

You - the user of the Online Casino Software downloaded from the Website.

Us/We/Ours - ICC, www.rubybingo.com;

Website - www.rubybingo.com and any related sites accessible via links or any other access way;

2 SUBJECT MATTER OF AGREEMENT

This agreement covers the arrangements between you and us in relation to your use of the Online Casino either for playing play-for-real or play-for-fun games.

3 LEGAL REQUIREMENTS

3.1 You can only use the Online Casino and/or the Website if you are the legal age as determined by the law of the country where you live.

3.2 You cannot use the Online Casino and/or the Website if you are under 18 years of age in any circumstances.

3.3 Some legal jurisdictions have not addressed the legality of online gambling and others have specifically made online gambling illegal. We do not intend that anyone should use the Online Casino and/or the Website where such use is illegal. The availability of the Online Casino and/or the Website does not construe an offer or invitation by us to use the Online Casino in any country in which such use is illegal. Use of the Online Casino is void wherever prohibited by any applicable law. You accept sole responsibility for determining whether your use of the Online Casino is legal in the country where you live.

4 LICENCE TO USE SOFTWARE

We hereby grant to you a personal non-exclusive, non-transferrable right to use the Software, for playing in the Online Casino, in accordance with the following provisions.

4.1 You are not permitted to:

4.1.1 install or load the Software onto a server of other networked device or take other steps to make the Software available via any form of "bulletin board", online service or remote dial-in, or network to any other person;

4.1.2 sub-license, assign, rent, lease, loan, transfer or copy (except as expressly provided elsewhere in this agreement), your licence to use the Software or make or distribute copies of the Software;

4.1.3 translate, reverse engineer, decompile, disassemble, modify, create derivative works based on, or otherwise modify the Software;

4.1.4 copy or translate any user documentation provided 'online' or in electronic format;

4.1.5 reverse engineer, decompile, disassemble, modify, adapt, translate, make any attempt to discover the source code of the Software or to create derivative works based on the whole or on any part of the Software; or

4.1.6 enter, access or attempt to enter or access or otherwise bypass the Our security system or interfere in any way (including but not limited to, robots and similar devices) with the Online Casino or the Website or attempt to make any changes to the Software and/or any features or components thereof.

4.2 You do not own the Software. The Software is owned and is the exclusive property of the licensor, a third party software provider company, (the "Software Provider"). The Software and accompanying documentation which have been licensed to us are proprietary products of the Software Provider and protected throughout the world by copyright law. Your use of the Software does not give you ownership of any intellectual property rights in the Software. This agreement applies only to the grant of the licence to use the Software.

4.3 THE SOFTWARE IS PROVIDED "AS IS" WITHOUT ANY WARRANTIES, CONDITIONS, UNDERTAKINGS OR REPRESENTATIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE. WE HEREBY EXCLUDES ALL IMPLIED TERMS, CONDITIONS AND WARRANTIES (INCLUDING ANY OF MERCHANTABILITY, SATISFACTORY QUALITY AND FITNESS FOR ANY PARTICULAR PURPOSE). WE DO NOT WARRANT THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS.

4.4 WE DO NOT WARRANT THAT THE SOFTWARE WILL BE NON-INFRINGING OR THAT THE OPERATION OF THE SOFTWARE WILL BE ERROR FREE OR UNINTERRUPTED OR THAT ANY DEFECTS IN THE SOFTWARE WILL BE CORRECTED, OR THAT THE SOFTWARE OR THE SERVERS ARE VIRUS-FREE. IN THE EVENT OF COMMUNICATIONS OR SYSTEM ERRORS OCCURING IN CONNECTION WITH THE SETTELMENT OF ACCOUNTS OR OTHER FEATURES OR COMPONENTS OF THE SOFTWARE NIETHER US NOR OUR SOFTWARE PROVIDER WILL BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY COSTS, EXPENSES, LOSSES OR CLAIMS ARISING RESULTING FROM SUCH ERRORS. WE FURTHER RESERVE THE RIGHT IN THE EVENT OF SUCH ERRORS TO REMOVE ALL RELEVANT GAMES FROM THE SOFTWARE AND THE WEBSITE AND TAKE ANY OTHEHR ACTION TO CORRECT SUCH ERRORS.

4.5 You hereby acknowledge that it is not in our control how the Software is used by you. You load and use the Software at your own risk and in no event shall we be liable to you for any direct, consequential, incidental or special damage or loss of any kind (except personal injury or death resulting from our negligence).

4.6 The Software may include confidential information which is secret and valuable to the Software Provider and/or us. You are not entitled to use or disclose that confidential information other than strictly in accordance with the terms of this agreement.

5 SECURITY

5.1 We are a corporation incorporated under the laws of the Kahnawake Gaming Commission, Mohawk Territory of Kahnawake, Canada, and are fully licensed and regulated by the laws of that country for the purpose of operating a virtual casino on the internet, under the name www.rubybingo.com.

5.2 We only allow access to playing games on the Online Casino through secured networks using encryption of the user name and password. You cannot play games on the Online Casino without passing our customer security login.

5.3 You may not use the Online Casino for any commercial use or on behalf of another person. Any use of the Online Casino by you is for own private purposes only.

5.4 You must keep your Username and Password confidential and should not disclose them to anybody. You may not use anyone else's password. You shall be responsible for all transactions conducted in relation to your Player Account using your Password. Every person who identifies him/herself by entering your correct Username and Password is assumed by us to be you and all transactions where the Username and Password have been entered correctly will be regarded as valid.

5.5 You will not allow any third party to use your Player Account to use the Online Casino and you will not use any other person's Player Account or means of payment to access the Online Casino or the Website or the Software.

5.6 It is your responsibility to ensure that you understand the rules and procedures of the games in the Online Casino and your use of online gaming in general before you play any such games.

5.7 We are using the best methods available today for the encryption of the Username and Password information, and any other sensitive information transferred to and from the client application and our servers, thus securing the Player and us against manipulation attempts by a third party. You will not break in, access or attempt to break in or access or otherwise by-pass our security. If we have a suspicion that you have attempted to or may be attempting to break in, access or otherwise by-pass our security or the Software, we will be entitled to terminate with immediate effect your access to the Online Casino and/or have your account blocked, and we reserve the right to inform the applicable authorities.

5.8 We will only use your personal information in accordance with our Privacy Policy, which is set out in full at http://www.rubybingo.com/privacy.html. We reserve the right to amend the Privacy Policy at any time. However, we reserve the right to ask you to provide us with additional details and any such additional information will be kept confidential. We further reserve the right under certain circumstances to disclose certain details to relevant authorities should it be required to do so by law, an arm of the state or a regulatory body. Subject to the provisions of the privacy policy, this right to disclose personal information to bodies or authorities whose purpose is to investigate money laundering, fraud and other criminal activity will be to the extent required by law.

6 YOUR RESPONSIBILITIES

6.1 We make no representation or warranty with respect to the legality or otherwise of the accessing and use of the Online Casino in your country of residence and it is solely your responsibility to determine whether such accessing and use of the Online Casino by you is legal. We further warrant in that respect that it does not intend to enable you to contravene any applicable law.

6.2 You shall not transfer in any way whatsoever your rights under this agreement without our prior written consent.

6.3 You are fully responsible for all taxes, fees and other costs incidental to and arising from winnings resulting from use of the Online Casino.

6.4 It is your responsibility to inform us of any changes to your registration details.

6.5 Payments

6.5.1 You agree that we or a payment processing company on our behalf will handle all financial account transactions ("Payment Processor"). You hereby agree that the Payment Processor reserves the right to withhold any payments should the Payment Processor have reason to believe or any suspicion that you may be engaging in or have engaged in fraudulent, collusion, unlawful, or improper activity.

6.5.2 You agree to fully pay any and all payments due to us or any third party in connection with your use of the Online Casino. You further agree not to make any charge-backs and/or renounce or cancel or otherwise reverse any of your due payments and in any such event you will refund and compensate us for such unpaid payments including any expenses incurred by us in the process of collecting your payment.

6.5.3 You fully apprehend and agree with the fact that there is NO LIMIT to the amount a player can cash out in the bingo game. However, there is a maximum of $9,000 per single withdrawal transaction. All amounts larger than $9,000 will be paid in terms until the full withdrawal amount is reached. This condition also applies to winnings of progressive jackpots. Withdrawals depend on verification of all required documents as set in clause 9.4.

6.6 You accept that you are solely responsible for the supply and maintenance of all of the computer equipment and telecommunications networks and internet access services that you need to use in order to access the Online Casino. We will not be liable in any way whatsoever for any loss caused to you by the internet or any telecommunication service provider which you have engaged in order to access to the Online Casino or to the Website.

6.7 You acknowledge that our random number generator will determine the outcome of the games played on the Online Casino and you accept the outcomes of all such games. You further agree that in the unlikely event of a disagreement between the result that appears on the Software and the game server, the result that appears on the game server will prevail and you acknowledge and agree that our records will be the final authority in determining the terms and circumstances of your participation in the Online Casino gaming activity.

6.8 You will not commit any acts or display any conduct that damages our reputation or our software provider or any other related service providers.

6.9 You acknowledge that if your Player Account is opened you will fully indemnify us and hold us harmless from and against all and any losses, costs, expenses, claims, demands, liabilities and damages however caused that may arise as a result of your (a) entry, use, or reuse of the Website or the Online Casino; (b) breach of any of the terms and provisions of this agreement. You further agree to fully indemnify, defend and hold us and our officers, directors, employees, agents, contractors and suppliers harmless, from and against all claims, liabilities, damages, losses, costs and expenses, including legal fees, arising out of any breach of this Agreement by you, and any other liabilities arising out of your use of the Online Casino or the Software.

6.10 We reserve the right to change this agreement from time to time as set out in clause 9 below. It is your responsibility to check from time to time and see whether there is a notification of change in accordance with clause 9 below.

7 YOUR WARRANTIES AND REPRESENTATIONS

You warrant and represent that:

7.1 you are not a resident of the Netherlands Antilles, Israel, Cyprus, Estonia, Bulgaria and The United States of America and its territories;

7.2 you are acting on your own behalf;

7.3 you are not restricted by limited legal capacity;

7.4 you are not classified as a compulsive gambler;

7.5 all details which you give or have given in the process of registering with the Online Casino are accurate and that you will continue to update such details should there be any changes.

7.6 you are fully aware of the fact that there is a risk of losing money through the use of the Software to play games on the Online Casino;

7.7 you are not depositing funds originating from criminal and/or un-authorised activities;

7.8 you are not otherwise conducting criminal activities and/or intending to utilise the Player Account in connection with such activities. You are not using or intending to use or intending to allow any other person to use the Online Casino and the Player Account for any prohibited or unlawful activity, including but not limited to, fraud or money laundering, under any applicable law in particular your jurisdiction and the laws that apply to us;

7.9 you are not colluding or attempting to collude or intending to participate, directly or indirectly, in any collusion scheme with any other player in the course of any game you play or will play on the Online Casino.

7.10 you are not under the age of either (i) 18; or (ii) the age at which gambling activities are legal under the law of the jurisdiction that applies to you, whichever is greater;

7.11 the debit/credit card details supplied by you in the registration process are those of the registered account holder and the card has not been reported as lost or stolen;

7.12 you are not one of our officer, director, employee, consultant or agent or of one of our affiliated or subsidiary companies, or suppliers or vendors, and you are not any of their relatives as well (for the purpose of this clause, the term "relative" means spouse, partner, parent, child or sibling). In any event that you have breached this prohibition, among others actions that will be taken against you, you will not be entitled to any of your winnings.

7.13 you have not previously held a Player Account which was suspended or terminated either by us or by any other online gaming operator, charged back any monies via a Player Account or maintains a current Player Account; and

7.14 in opening the Player Account you will not provide any information or make any statement to us which is untrue, false, incorrect or misleading.

8 CHANGES TO THIS AGREEMENT OR THE PRIVACY POLICY

8.1 We may, at our sole discretion, make changes to this agreement or the Games Rules or Privacy Policy at any time.

8.2 The changes will take effect from the date specified when they occur. It is important, therefore, that you log in to the Website from time to time and check to see whether there is a notification of change. You are solely responsible for reading the changes.

8.3 If you continue to use the Website or the Online Casino after we have updated the changes (regardless to the way we have notified of such changes), you agree to be bound by those changes whether or not you have had actual notice of, or have read, the relevant changes. If you do not agree to be bound by relevant changes, you should not continue to use the Website or the Online Casino any further.

9 RESERVATION OF RIGHTS

9.1 We reserve, at our sole discretion, the right to:

9.1.1 refuse to register any applicant for registration on the Website or the Online Casino;

9.1.2 refuse to accept any wager on the Online Casino;

9.1.3 change, suspend, remove, modify or add any game or tournament on the Online Casino.

9.2 We reserve the right to make inquires on you, including credit checks, with third party credit and financial institutions, in accordance with the information you have provided us with.

9.3 In the event of any dispute regarding a wager or winnings, our decision will be final and binding. We reserve the right to reasonably withhold any pay out or winning amount until the identity of the winning person is verified to our satisfaction in order to ensure that payment of the winning amount is being made to the correct person.

9.4 We reserve the right to reasonably withhold any pay out or winning amount until the identity of the winning person is verified to our satisfaction in order to ensure that payment of the winning amount is being made to the correct person. For this purpose, we further reserve the right, at our sole discretion, to demand that you will provide us with a notarized ID or any equivalent certified ID according to the applicable law of your jurisdiction.

9.5 We may at any time disclose certain personal information of yours to third parties in accordance with our Privacy Policy, which is set out in full at http://www.rubybingo.com/privacy.html.

9.6 In the event that we will suspect fraud or fraudulent activity on your part or any of your payments are charged back, we will have the right to withhold any pay-out or winning amounts due to you and if necessary, to lawfully collect any payments owed by you.

9.7 We may at any time without prior notice to you terminate your use of the Online Casino and block your Player Account if it considers that you are in breach of any of the terms and provisions of this Agreement or that you are otherwise acting illegally. We will not be under any obligation in such circumstances to refund or otherwise reimburse you for any of the funds in your Player Account.

9.8 We reserve the right, at our sole discretion, to offer and advertise from time to time promotions, bonuses or other special offers and each such offer will be subject to specific terms and conditions which will be valid for a limited period of time. In connection with the specific terms of the above promotions, bonus and special offers, we further reserve the right to withhold any withdrawal amount from your account which will be in excess of your original deposit. In addition, we reserve the right to withhold or otherwise decline or reverse any pay-out or winning amount or amend any policy in the event that we suspect that you are abusing or attempting to abuse any of the following: (i) bonuses; (ii) other promotions; or (iii) specific policy or rules determined in respect of an existing game or a new game.

9.9 We reserve the right to transfer, assign, sublicense or pledge this Agreement, in whole or in part, to any person without notice and you will be deemed to consent to such assignment.

10 TERM

This agreement is effective from the moment of acceptance by clicking on the "I agree" button, and shall remain in force indefinitely unless terminated in accordance with clause 9.6. For the avoidance of doubt it is agreed that you are bound by this Agreement if you use the Online Casino or the Website or the Software in any way, including, but not limited to, initiating or making a deposit through your Account or submitting your deposit details to us.

11 GOVERNING LAW

11.1 The construction, validity and performance of this agreement will be governed by the laws of the Kahnawake Gaming Commission, the Mohawk Territory of Kahnawake, Canada. However, this shall not prevent us from bringing any action in the court of any other jurisdiction for injunctive or similar relief. The English language version of this Agreement will prevail over any other language version issued by us.

11.2 The illegality, invalidity or enforceability of any part of this agreement will not affect the legality, validity or enforceability of the remainder.

12 NOTICES

12.1 You agree to receive communications from us in an electronic form. Electronic communications may be posted on the pages within the Website and/or the messages/help files of your client application, and/or delivered to your e-mail address. All communications in either electronic or paper format will be considered to be in "writing" and to have been received no later than five business days after posting or dissemination, whether or not you have received or retrieved the Communication. We reserve the right, but assume no obligation, to provide communications in paper format.

12.2 Any notices required to be given in writing to us or any questions concerning this Agreement should be addressed to support@rubybingo.com.

END USER AGREEMENT FOR PAYMENT MANAGEMENT SERVICES

PLEASE READ CAREFULLY THE FOLLOWING LEGALLY BINDING AGREEMENT BETWEEN 800PAY LIMITED AND YOU. BY CLICKING THE "I AGREE" BUTTON BELOW YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT AGREE WITH ANY OF THE TERMS OF THIS AGREEMENT, DO NOT CLICK THE "I AGREE" BUTTON AND DO NOT CONTINUE TO DOWNLOAD, INSTALL OR OTHERWISE USE THE SOFTWARE.

PLEASE READ THE AGREEMENT CAREFULLY AND MAKE SURE YOU FULLY UNDERSTAND ITS CONTENTS. IF YOU HAVE ANY DOUBTS ABOUT YOUR RIGHTS AND OBLIGATIONS RESULTING FROM THE ACCEPTANCE OF THIS AGREEMENT, PLEASE CONSULT A LEGAL ATTORNEY IN YOUR JURISDICTION.

1 DEFINITIONS

The following words and terms, when used with this agreement, shall have the following meanings, unless the context clearly indicates otherwise.

Online Casino - ICC’s internet gaming system on the Website and related services and gaming activities as offered and listed at www.rubybingo.com, including but not limited to, online casino and/or bingo hall and/or poker room and/or any other games, where applicable;

Operator - ICC, the licensed operator of the Online Casino;

Payments - the financial transactions transfer between the Player Account and the Online Casino, utilising the Player Account and any other applicable payment methods interface;

Player Account - One personal single account pertaining to one domestic household address opened by you as an individual and maintained with the Operator to enable that person to play games on the Online Casino;

Software - the software licensed to the Operator including any program or data file or any other content derived therefrom, that required to be downloaded, accessed or otherwise utilized by you from the Website enabling you to participate in the Online Casino;

Stake - any monies staked by Account-holders in play-for-real on the Online Casino;

you - the user of the Software downloaded from the Website.

Username and Password - the username and password which you choose on registration with the Online Casino;

Website - www.rubybingo.com;

Winnings - any winnings made by Account-holders in play-for-real on the Online Casino;

We, Us or the Company - 800pay Limited;

2 SUBJECT MATTER OF AGREEMENT

This agreement covers the arrangements between You and the Company in relation to the facilitation of payments for your use of the Online Casino to play play-for-real any of the games offered on the Online Casino. The Company provides services that will help you to facilitate Payments between your Player Account and the Operator.

3 THE PLAYER ACCOUNT

3.1 Crediting funds to a Player Account

3.1.1 Once a Player Account has been opened, You will be able to credit funds to your Player Account by requesting an electronic transfer of funds using any of the means set out in the Deposits section of the Online Casino.

3.1.2 Minimum and maximum amounts, as determined by the Operator in its absolute discretion from time to time, can be credited to a Player Account at any one time.

3.1.3 The Company will be entitled to determine whether the funds that a Player has requested to be credited to his/her Player Account are available upon receiving appropriate confirmation from the relevant payment solution company in accordance with each such payment solution company standard approval procedures for these payment transactions to be reconciled, final, complete and cleared. Only once Payments have been reconciled and cleared by any such applicable payment solution company will the Player Account be credited with the funds.

3.1.4 You may transfer funds and make Payments solely by any of the following payment methods:
i. by a credit card acceptable to the Company at its sole discretion which credit card must be in good standing and registered in your name;
ii. by a debit card acceptable to the Company at its sole discretion which debit card must be in good standing and registered in your name;
iii. by pre-authorized payment;
iv. through third party payment processor companies;
v. by providing the Company with a valid cheque, money order or wire transfer; or
vi. by such other method deemed acceptable by the Company, in its absolute discretion, from time to time.

3.2 Withdrawal

You may withdraw any unutilised and cleared funds held in your Player Account by contacting the Online Casino's customer service and in accordance with the Operator withdrawal conditions, as determined by the Operator in its absolute discretion from time to time. On such approved withdrawal by the Operator, and provided that the you will give the Company sufficient information as to how the funds should be returned to you, the Company will return the relevant funds to you (less charges incurred) by appropriate means. The Company reserves the right to prevent such withdrawal in the circumstances where it or any regulatory body is concerned about the operation of that Player Account or the request for withdrawal pending an appropriate investigation (including a satisfactory outcome of such investigation).

3.3 Closure of a Player Account

You may close your Player Account at any time by contacting the Online Casino’s customer service provided that your Player Account is not expected to become in debit/deficit pursuant to any liabilities incurred through your gaming activities on the Online Casino. On closure of your Player Account, provided that the You give the Company sufficient information as to how the funds should be returned to him/her, the Company will return the balance to You by appropriate means, less charges incurred in the process, if any. The Company, however, reserves the right to prevent such withdrawal of unutilised funds in the circumstances where it or any regulatory body is concerned about the operation of that Account or the request to close the Account pending an appropriate investigation (including a satisfactory outcome of such investigation).

3.4 General

3.4.1 Once a Payment is made it is non-reversible and non-refundable.

3.4.2 You must keep your Username and Password confidential and should not disclose it to anybody. You may not use anyone else's username or password. We are not responsible for losses incurred as the result of any misuse or loss of usernames or passwords.

3.4.3 Each request made by You to fund your Account shall constitute a valid authorisation for Us to deduct the amount specified in your request by appropriate means, as specified by You.

3.4.4 Any Stake made by You will be treated by the Company as a Payment. Provided that the balance of your Account at the time that the Stake is made is greater than or equal to the amount of the Payment requested, the Company shall use all commercial reasonable endeavours to transfer the relevant funds immediately upon electronic notification of a Payment. However, the Company makes no warranty that the Payment shall be made immediately nor that there will not be any delay in the processing or receipt of such Payment.

3.4.5 It is agreed that Payments may be transferred from the Operator to you and vice versa, either directly through the Company or via other third parties payment solution companies.

3.4.6 The Company will comply with the privacy policy set out on the Website at [www.800pay.com/privacypolicy] when dealing with your personal information. The Company is entitled to ask you to provide additional details and any such additional information will be kept confidential. The Company reserves the right under certain circumstances to disclose certain details to relevant authorities should it be required to do so by law, an arm of the state or a regulatory body. Subject to the provisions of the privacy policy, this right to disclose personal information to bodies or authorities whose purpose is to investigate money laundering, fraud and other criminal activity will be to the extent required by law.

3.4.7 The Company makes no representation or warranty with respect to the legality or otherwise in your country of residence of the accessing and use of the Online Casino, as well as the making of Payments to, and receipt of any applicable Winnings from, the Online Casino, and it is solely your responsibility to determine whether such activities by you are legal.

4 YOUR RESPONSIBILITIES

4.1 You shall be responsible for all transactions conducted in relation to your Player Account using your correct Username and Password irrespective of whether you conducted such transaction.

4.2 You shall provide us with all information requested by the Company (or by any of the Company’s authorized representative acting on our behalf) and necessary for the operation of the Player Account, including, but not limited to, proof of identity, notarized documentation, proof of address, utility bills, bank details, bank statements and bank references. You shall provide the Company with any such requested documents immediately upon request and no later within a reasonable time of response.

4.3 There are no set-up charges and no monthly fees for maintaining a Player Account.

4.4 You may not register for more than one Player Account, and each Player Account shall only have one personal single account-holder pertaining to one domestic household address.

4.5 You acknowledge that you may have, from time to time, upon the Company's specific request, be required to provide additional details in respect of the Payments made by you.

4.6 You agree that under certain circumstances the Company, subject to the provisions of the privacy policy, reserves the right to disclose personal information to bodies or authorities whose purpose is to investigate money laundering, fraud and other criminal activity to the extent required by law.

4.7 You agree that your Player Account is not a bank account and is therefore not insured, guaranteed, sponsored or otherwise protected by any deposit or banking insurance system or by any other similar insurance system of any other jurisdiction, including but not limited to your local jurisdiction. Furthermore, the Player Account does not bear interest on any of the funds held in it.

4.8 You are fully responsible for all taxes, fees and other costs incidental to and arising from winnings resulting from use of the Online Casino.

4.9 It is your responsibility to inform the Company and the Operator of any changes to your registration details.

4.10 You accept that you are solely responsible for the supply and maintenance of all of the computer equipment and telecommunications networks and internet access services that you needs to use in order to access the Online Casino.

4.11 You acknowledge that there is a possibility that you will lose money when utilising the Online Casino and that you are fully aware of and responsible for any such loss.

5 YOUR WARRANTIES AND REPRESENTATIONS

You warrant to the Company that:

5.1 the information you provide to us shall not be false, inaccurate or misleading;

5.2 you shall not transfer your rights under this agreement without the prior written consent of the Company;

5.3 you will fully indemnify the Company and hold the Company harmless from and against all and any losses, costs, expenses, claims, demands, liabilities and damages however caused that may arise as a result of your (a) entry, use, or reuse of the Website or the Online Casino; (b) breach of any of this agreement.

6 LIMITATION OF LIABILITY

The Company shall not be liable for any loss, costs or damages (howsoever arising) deemed or alleged to have resulted from or caused by the following scenarios:

6.1 any error made due to the input of incorrect information by You;

6.2 any fraud, deception or misrepresentations by You;

6.3 the Operator’s decision not to accept a Payment from You;

6.4 any delay to the receipt or acceptance of a Payment by the Operator or withholding of Payments by the Operator for the purpose of conducting identity verification procedures;

6.5 use of your Player Account for purposes that may be considered illegal under applicable laws;

6.6 any transactions on your Player Account which are conducted after the correct entry of your Username and Password;

6.7 any errors or omissions in the content on the website www.800pay.com;

6.8 any unauthorised interception or use of data relating to You or your Player Account;

6.9 any inability to use or access the Website for any reason;

6.10 any actions or transactions by an individual that uses your Username and Password;

6.11 any cause over which the Company does not have direct control, including problems attributable to computer hardware or software (including computer viruses), data transmission systems, telephone or other communications, or internet service providers;

6.12 the loss of any transactions caused by the loss or malfunction of any communications device used by yourself or any entity relaying information between you, the Operator, or any other payment solution company;

6.13 any undelivered e-mail communications;

6.14 the quality or availability (or lack thereof) of the Website or the Online Casino; or

6.15 any results of any acts of Government or authority or any force majeure event.

7 RESERVATION OF RIGHTS

7.1 If the Company has any reason to believe, or any suspicion at all, that you may be engaging in or have engaged in fraudulent, unlawful, or improper activity, including without limitation any violation of any terms and conditions, money laundering or collusion with another Player Account holder, the Company has the right to freeze your Account without prior notice while investigations are undertaken. You will cooperate fully with the Company to investigate any suspected unlawful, fraudulent, or improper activity.

7.2 At its sole discretion, the Company reserves the right to terminate this agreement, close your Player Account and refuse to help you to facilitate any further Payments in relation to your Player Account if any of the events below takes place:

7.2.1 receipt of potentially fraudulent funds in your Player Account;

7.2.2 unconfirmed identity or receipt by the Company of incorrect personal information;

7.2.3 the opening of multiple Player Accounts by You;

7.2.4 you are not accessing your Account for 1 year or more;

7.2.5 the use of your Player Account for anything other than to send and receive Payments to or from the Online Casino;

7.2.6 breach by You of any of these terms and conditions.

7.3 Any decision made by the Company in connection with the facilitation of Payments transferred between your Player Account and the Operator shall be final and binding.

8 CHANGES TO THIS AGREEMENT

8.1 The Company may, at its discretion, make changes to this agreement at any time.

8.2 The changes will take effect from the date specified when they occur. It is important, therefore, that each time you log in to the Online Casino or the Website you check to see whether there is a notification of change. You are solely responsible for reading the changes.

8.3 If you use the Online Casino, the Website or any Software thereof after the Company has posted details of the changes, you agree to be bound by those changes whether or not you have had actual notice of, or have read, the relevant changes. If you do not agree to be bound by relevant changes, you should not continue to use the Online Casino, the Website or any Software thereof any further.

9 TERM

This agreement is effective from the moment of acceptance by clicking on the "I agree" button, and shall remain in force indefinitely unless terminated in accordance with clause 3.3 or 7.2 of this agreement.

10 GOVERNING LAW

10.1 The construction, validity and performance of this agreement will be governed by Antigua & Barbuda law. However, this shall not prevent us from bringing any action in the court of any other jurisdiction for injunctive or similar relief. The English language version of this Agreement will prevail over any other language version issued by us.

10.2 The illegality, invalidity or enforceability of any part of this agreement will not affect the legality, validity or enforceability of the remainder.

11 NOTICES

11.1 You agree to receive communications from us in an electronic form. Electronic communications may be posted on your client application and/or on the Website and/or delivered to your e-mail address. All communications in either electronic or paper format will be considered to be in "writing" and to have been received no later than five business days after posting or dissemination, whether or not you have received or retrieved the Communication. We reserve the right, but assume no obligation, to provide communications in paper format.