Know the Rules and Regulations of Our Betting Platform

Introduction to the General Terms and Conditions

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

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

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

PlayKaro will only communicate with Customers by email to their registered email address (the “Registered Email Address”) as provided when opening your PlayKaro account: Communication from PlayKaro will be issued through the following:

mail only: support@playkaro.com

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

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

1. Your Obligations

You agree that at all times when using the Service:

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

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

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

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

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

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

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

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

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

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

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

2. Registration

You agree that at all times when using the service:

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

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

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

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

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

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

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

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

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

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

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

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

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

3. Restricted Use

• 3.1 You must not use the Service:

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

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

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

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

• 3.2 You cannot sell or transfer your account to third parties, nor can you acquire a player account from a third party.
• 3.3 You may not, in any manner, transfer funds between player accounts.
• 3.4 We may immediately terminate your Account upon written notice to you if you use the Service for unauthorised purposes. We may also take legal action against you for doing so in certain circumstances.

4. Privacy

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

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

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

5. Your Account

We accept Accounts in multiple currencies.

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

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

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

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

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

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

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

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

Customers have the right to self-exclude themselves from https://playkaro.com.These requests have to be received from the Customer’s Registered Email Address and have to be sent to  support@playkaro.com.

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

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

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

6. Deposit of Funds

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

Fees and charges may apply to customer’s deposits and withdrawals. Fee and charge details can be found here:  https://playkaro.com/account?q=deposit. You are responsible for your own bank charges that you may incur due to depositing funds with us. Exceptions to this rule are outlined in our “Payment Options” pages.

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

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

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

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

7. Withdrawal of Funds

You may withdraw any or all of your account Balance within the transaction maximums as shown on the Website here:  https://playkaro.com/account?q=withdraw.

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

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

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

Should you wish to withdraw funds but your account is either inaccessible, dormant, locked or closed, please contact our Customer Service Department at https://playkaro.com

8. Payment Transactions and Processors

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

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

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

9. Errors

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

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

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

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

10. General Rules

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

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

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

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

11. Communications and Notices

All communications and notices to be given under these terms by you to us shall be sent to support@playkaro.com

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

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

12. Matters Beyond Our Control

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

13. Liability

To the extent permitted by applicable law, we will not compensate you for any reasonably foreseeable loss or damage (either direct or indirect) you may suffer if we fail to carry out our obligations under these terms unless we breach any duties imposed on us by law (including if we cause death or personal injury by our negligence) in which case we shall not be liable to you if that failure is attributed to

• (I) Your own Fault.
• (II) A third party unconnected with our performance of these terms (for instance problems due to communications network performance, congestion, and connectivity or the performance of your computer equipment).
• (III) Any other events which neither we nor our suppliers could have foreseen or forestalled even if we or they had taken reasonable care. as this service is for consumer use only. we will not be liable for any business losses of any kind.

  In the event that we are held liable for any event under these terms, our total aggregate liability to you under or in connection with these terms shall not exceed

• (A) The value of the bets and or wagers you placed via your account in respect of the relevant bet/wager or product that gave rise to the relevant liability. we strongly recommend that you (i) take care to verify the suitability and compatibility of the service with your own computer equipment prior to use, and (ii) take reasonable precautions to protect yourself against harmful programs or devices including through installation of anti-virus software.

14. Gambling By Those Under Age

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

• I. All winnings currently or due to be credited to your account will be retained.
• II. All winnings gained from betting through the service whilst under age must be paid to us on demand (if you fail to comply with this provision, we will seek to recover all costs associated with recovery of such sums.
• III. Any monies deposited in your PlayKaro account which are not winnings will be returned to you.

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

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

15. Anti Money-Laundering and KYC Policy

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

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

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

1. Every staff member shall meet their personal obligations as appropriate to their role and responsibilities.
2. Commercial considerations cannot take precedence over PlayKaro anti-money laundering commitment.
3. The firm shall appoint a Money Laundering Reporting Officer/Nominated Officer (“MLRO”), and a deputy to cover in their absence, and they shall be afforded every assistance and cooperation by all members of staff in carrying out their duties and responsibilities. The deputy will be the Director Chief Executive Officer (CEO).
4. PlayKaro will strictly comply with all applicable AML/CFT rules and regulations with specific emphasis on:
5. A culture of compliance to be adopted and promulgated throughout the firm towards the prevention of financial crime.
6. A commitment to ensuring that customer’s identities will be satisfactorily verified at required thresholds.
7. A commitment to “knowing its customer” appropriately - both at acceptance and throughout the business relationship - through taking appropriate steps to verify the customer’s identity and monitoring their use PlayKaro services.
8. A commitment to ensuring that staff are trained and made aware of the law and their obligations under it, and to establishing procedures to implement these requirements.
9. Recognition of the importance of staff promptly reporting their suspicions internally:

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

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

• 15.1 Money Laundering and Terrorism Financing

Money Laundering means:

• I. The conversion or transfer of property, knowing that such property is derived from criminal activity or from an act of participation in such activity, for the purpose of concealing or disguising the illicit origin of the property or of assisting any person who is involved in the commission of such an activity to evade the legal consequences of that person's action.
• II. The concealment or disguise of the true nature, source, location, disposition, movement, rights with respect to, or ownership of, property, knowing that such property is derived from criminal activity or from an act of participation in such an activity.
• III. The acquisition, possession or use of property, knowing, at the time of receipt, that such property was derived from criminal activity or from an act of participation in such an activity.
• IV. Participation in, association to commit, attempts to commit and aiding, abetting, facilitating and counselling the commission of any of the actions referred to in points (a), (b) and (c).

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

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

• 15.2 Organization of the AML/CFT function

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

• 15.2.1 Senior Management

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

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

• 15.2.2 Staff

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

• 15.3 Compliance Policies and Procedures
• 15.3.1 The Risk-Based Approach

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

• The risk assessment of customer relationships and business activities.

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

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

• The ongoing monitoring of business relationships and transactions.

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

• 15.3.2 Risk Mitigation

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

In all situations, risk mitigation controls and measures include:

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

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

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

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

• 15.3.3 Risk Assessment

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

The risk assessment will document and consider the following:

• Products, services and delivery channels

• Geographic locations and areas of operation

• Customers

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

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

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

• 15.4 Client and Business Risk
• 15.4.1 The Risk-Based Approach

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

• Wire transactions.

• Transactions involving third parties.

• Non-face-to-face business relationships.

• 15.4.2 Geographic Locations and Areas of Operation

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

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

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

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

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

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

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

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

• 15.4.3 Customer Relationships

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

Examples of the factors that will be considered are:

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

• Customers wanting to carry out large transactions.

• Customers with regulatory or enforcement issues.

• Customers with multiple online complaints.

• Customers whose identification is difficult to verify.

• Customers whose who are politically exposed.

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

• 15.4.4 Regulatory risk

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

• Customer identification not done properly.

• Failure to train staff adequately.

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

• Failure to report suspicious transactions.

• Not having an MLRO.

• Failing to keep complete customer records.

• 15.4.5 Compliance Training

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

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

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

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

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

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

Our training will include at a minimum:

15.5 Minimum standards – KYC POLICY

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

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

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

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

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

• 15.5.1 Customer identification and verification (KYC)

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

This identification relies on the following fundamental principles:

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

- These documents will be recorded in a centralised system.

• 15.5.2 Risk Profile calculation

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

• 15.5.3 Customer acceptance policy
• 15.5.3.1 Customer Identification

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

• Confirm the existence of the individual through identification documents.

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

• Cross-referencing customer names against government watch lists.

• Determining whether the customers are politically exposed persons.

• Determining whether any third parties are involved.

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

• Reviewing their background, reputation.

• Keep records of all information and documents obtained.

• 15.5.3.2 Identifying Information for Customers

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

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

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

All documentary evidence must be recent.

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

• Utility bills should be dated within the last 3 months

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

Sources of evidence

Proof of Identity - Acceptable photo identity:

• Valid passport.

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

• National identity card.

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

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

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

• Current council tax demand letter or statement.

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

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

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

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

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

Usual checks on photo ID may include:

Likeness against the customer

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

• Is the ID valid?

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

Checks on secondary evidence of ID may include:

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

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

• 15.5.3.3 Identifying Information for Customers

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

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

Further events that may trigger Identity Verification processes:

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

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

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

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

• When a deposit exceeds the equivalent of €5,000.

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

• 15.5.3.4 Additional Documents

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

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

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

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

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

• 15.5.3.5 Mitigation of Impersonation Risk

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

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

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

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

• 15.5.3.6 Keeping Information Up-to-Date

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

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

16. Fraud

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

17. Responsible Gaming Policy

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

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

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

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

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

Player security

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

Protection against gaming addiction: research – prevention – intervention

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

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

Self-responsibility is the most sustainable form of prevention

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

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

Protection of minors

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

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

Responsibility towards problems

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

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

Get informed with the main issues

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

What is the problematic game behavior?

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

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

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

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

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

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

2. Bet sum increases in course of time.

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

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

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

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

7. Lies about his playing behaviour,

8. Commits illegal acts,

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

10. Borrows to participate in the games.

Rules for responsible games

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

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

2. Take regular breaks.

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

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

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

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

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

8. Do not start playing in a depressed state.

18. Intellectual Property

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

The https://playkaro.com uniform resource locator (URL) is owned by us and no unauthorised use of the URL is permitted on another website or digital platform without our prior written consent.

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

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

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

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

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

19. Your Licence

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

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

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

20. Your Conduct and Safety

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

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

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

I. Promote or share information that you know is false, misleading or unlawful;

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

III. Harm minors in any way;

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

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

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

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

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

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

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

XI. Create PlayKaro Accounts by automated means or under false or fraudulent pretences;

XII. Impersonate another Customer or any other third party, or

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

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

21. Links to Other Websites

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

22. Self-exclusion

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

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

What happens when you self-exclude?

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

Next steps

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

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

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

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

Self-Exclusion Notice

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

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

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

23. Complaints

If you have any concerns or questions regarding these terms you should contact our Customer Service Department via email at support@playkaro.com

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

Any Customer of the Service who has any concerns or questions regarding these Terms regarding the settlement of any https://playkaro.com market should contact our Customer Service Department at   support@playkaro.com their Registered Email Address.

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

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

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

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

24. Registration and Account Security

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

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

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

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

25. Assignment

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

26. Severability

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

27. Breach of These Terms

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

28. General Provisions

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

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

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

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

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

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

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

Betting Rules

Any dispute related to the sports betting product shall be emailed to: support@playkaro.com

Casino Rules

Any dispute related to the casino product shall be emailed to: support@playkaro.com

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

ACCEPTING THE TERMS AND CONDITIONS

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