User agreement

Acceptance of Terms and Conditions

If you do not agree to any of the provisions of the User Agreement, you should immediately stop using the Software and remove it from your computer and/or any other applicable device.

• •  We reserve the right to amend, modify, update, and change any of the terms and conditions of the User Agreement from time to time and we will notify you of any such amendment, modification, or change by publishing the new version of the User Agreement on the relevant Gratorama web page.

• •  Any modified version of the User Agreement will take effect 14 days after its publication on the Internet Site or earlier if required by any applicable law, regulation or directive.

• •  Your continued use of the Services or the Software after the aforementioned period will be deemed to constitute your acceptance of the changes to the User Agreement. It remains your responsibility to ensure that you are aware of the correct, current terms and conditions of the User Agreement and we advise you to check for updates on a regular basis.

Participation in the activities and games of Gratorama:

Participation in all activities and games on Gratorama is open strictly to residents of those jurisdictions where such participation is legal and not prohibited.

• •  Participation is void wherever prohibited by law. In placing real bets, the customer acknowledges that he/she is legally permitted to do this within their jurisdiction territory or country.

• •  The availability of our games and services does not mean and cannot be interpreted as an offer or invitation to use the games and services if you reside in a jurisdiction in which such use is prohibited by law. It is the customer’s’ sole responsibility to verify the legality of using our games and services prior to logging in. We advise you to check with a legal consultant the legality of using our games and services in your jurisdiction prior to logging in.

• •  You warrant and represent that: you are not a resident of: USA, Israel, Belgium, Lithuania, Bulgaria, Cyprus, Iraq, Algeria, Morocco, Jordan, Pakistan, Tunisia, Australia, Iran, UK, Netherlands and Malta.

• •  You warrant and represent that: you are not classified as a compulsive gambler.

• •  Employees of Gratorama, its proprietors and agencies and their families and friends are not eligible to enter any promotion offered by Gratorama.

Responsible Gambling

While your enjoyment is of utmost importance to us, we are serious about responsible gaming. Your participation in all and any Gratorama activities, implicitly warrants and represents that you are not classified as a compulsive gambler.

Inactive account fee

If you have not log in to your account for a period of 180 consecutive days, your account will be considered as ‘inactive’. Once an account is inactive your balance will be charged a fee each month until you: (i) login and reactivate; (ii) close your account; (iii) your account balance reaches zero. The level at which the monthly fee is set will depend on the currency in which your funds are held (and, in some circumstances, where you are based) but in any case won’t be greater than the amount of EUR 5.

We will contact you 7 days and again 24 hours in advance via email as a notice that your account is about to be charged the inactive account fee in 30 days time, along with details of how to prevent the fee from being charged.

In case that your account remains closed for 90 consecutive days, the whole remaining outstanding amount will be deducted in one time. Same applies in the event that a player has no approved deposit, and a positive balance remains inactive for 7 consecutive days.

Refund Policy

Refunds will be addressed only in cases where an alleged unlawful transaction has taken place on Gratorama and should be requested within the first twenty four (24) hours of such a transaction.

We reserve the right to withhold the refund request until we are satisfied with the customer’s full identification and provision of the required documentation, as required by law and in compliance with our AML obligations . The requestor agrees to provide a notarized or certified identification, in compliance with the laws of the customer’s jurisdiction. Any required KYC documents that are not submitted within fourteen (14) days of Scratchmania’s request, will result in transaction suspension , until the respective KYC documents are being provided.

“The user may request a withdrawal of funds if he hasn’t played or made any bets at all. In such case the funds will be returned to the payment method which made the deposits”

Your Representations and Undertakings

In consideration of the rights granted to you to use the services offered, you represent, warrant, covenant and affirm that:

By registering as a User of Gratorama, it is implicit that:

• •  You are not depositing funds originating from criminal and/or unauthorised activities and that

• •  You are not conducting any criminal activities and/or have any intentions to use your Player Account in connection with such activities.

• •  You are not using or intending to allow any other person to use the software 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 to your jurisdiction and the laws that apply to us.

Gratorama reserves the right to cancel your account for any reason whatsoever at any time without notice. Any balance in your account at the time of such cancellation will be sent to you by cheque.

Gratorama reserves the right, in its sole discretion, to void any winnings and confiscate any balance in your account for any of the following circumstances:

• •  If you have more than one active account at Gratorama.

• •  If the name on your account does not match the name on the credit card(s) used to make purchases for your account.

• •  If you participate in a promotion and withdraw before fulfilling the requirements of that promotion.

• •  If you provide incorrect or misleading registration information.

• •  If you are under the age of 18.

• •  If you reside in a jurisdiction that prohibits your participation by law.

• •  Internet gambling may be illegal in the jurisdiction in which you are located; if so, you are not authorized to use your payment card to complete this transaction.

• •  It’s recommended that the Cardholders retain a copy of Transaction records, Merchant Policies and rules.

• •  If you have allowed or permitted (intentionally or unintentionally) someone else to play and or use your account.

• •  If you have ‘charged back’ any of the purchases made with your credit card on your registered account.

• •  If you are caught cheating or if it is determined by us that you have employed or made use of a system (including machines, computers, software or other automated systems) designed specifically to defeat the software.

• •  If you are found to be cheating or attempting a fraud, the Company reserves the right to publicise your actions together with your identity and email address, as well as to circulate this information to other, banks, credit card companies, and appropriate agencies.

Payment Transactions and Payment Fraud

• •  Each user of the Service is fully responsible for paying all monies owed to the Company. You agree that you will not make or attempt to make any charge-backs, and/or deny or reverse any payment that you have made and you hereby agree that you will reimburse the Company for any charge-backs, denial or reversal of payments you make and any loss suffered by the Company as a consequence thereof.

• •  The Company may, at its sole discretion, cease to provide the services or withhold payment to certain users or to users paying with certain credit cards.

• •  We reserve the right to run credit checks on all users with third party credit agencies on the basis of the information provided to us upon registration.

• •  We reserve the right to use third party electronic payment processors and/or financial institutions to process payments made by and to you in connection with your use of the services. To the extent that they do not conflict with the terms of the User Agreement, you agree to be bound by the terms and conditions of such third party electronic payment processors and/or financial institutions.

• •  If we have reasonable suspicion that a fraudulent payment is being made or received, including use of stolen credit cards or any other fraudulent activity (including any chargeback or other reversal of a payment), we reserve the right to block or terminate a user’s account, reverse any payout made and recover any winnings. In such a case we shall be entitled to inform any relevant authorities or entities (including credit reference agencies) of any payment fraud or otherwise unlawful activity, and may employ collection services to recover payments. However, under no circumstances shall the Company be liable for any unauthorized use of credit cards, irrespective of whether or not the credit cards were reported stolen.

• •  Our expectation is that our members will deposit in order to actively play with their own funds. On accounts where this does not seem to be the case. We reserve the right to enforce a wagering amount on your deposited funds, before allowing any withdrawal from said account. This wagering amount will be a multiplication of the total deposited funds, which we will specify depending on the case. We reserve the right to require this wagering to be performed in specific games, and to exclude certain low risk bets or game types, at our discretion.

Anti money laundering policy

1. Money laundering is generally defined as engaging in acts designed to conceal or disguise the true origins of criminally derived proceeds so that the proceeds appear to have derived from legitimate origins or constitute legitimate assets.

2. Gaming environments are often targeted by those wishing to launder money. The speed of transactions and use of multiple payment processing options make gaming businesses especially vulnerable to this activity.

3. Gratorama is committed to be constantly vigilant to prevent money laundering and combat the financing of terrorism in order to minimize and manage risks such reputational risk, legal risk and regulatory risk. It is also committed to its social duty to prevent serious crime and not to allow its systems to be abused in furtherance of these crimes.

4. The Company is committed to be constantly vigilant to prevent money laundering and combat the financing of terrorism in order to minimize and manage risks such as the risks to its reputational risk, legal risk and regulatory risk. It is also committed to its social duty to prevent serious crime and not to allow its systems to be abused in furtherance of these crimes.

5. The Company will endeavor to keep itself updated with developments both at national and international level on any initiatives to prevent money laundering and the financing of terrorism. It commits itself to protect, at all times, the organization and its operations and safeguards its reputation and all from the threat of money laundering, the funding of terrorist and other criminal activities.

6. The Company’s policies, procedures and internal controls are designed to ensure compliance with all applicable laws, rules, directives and regulations relevant to the Company’s operations and will be reviewed and updated on a regular basis to ensure appropriate policies, procedures and internal controls are in place.

7. The Company will take reasonable steps to establish the identity of any person for whom it is proposed to provide its service (hereinafter“ Players”). For this purpose, the process for the registration of Players provided for under the General Terms and Conditions of the Company provides for the due diligence process that must be carried out before the opening of a user account.

8. The Company will collect certain minimum Player identification information from each Player who opens an account. The Company will not accept to open anonymous accounts or accounts in fictitious names such that the true beneficial owner is not known. The information required will include at least:

• 8.1. Player’s date of birth (showing that the player is over eighteen (18) years of age);
• 8.2. Player’s first and last name;
• 8.3. Player’s place of residence;
• 8.4. Player’s credit card or banking information;
• 8.5. Player’s valid email address;
• 8.6. Player’s username and a password.

9. The Company will inform relevant Players that the Company may seek identification information to verify their identity, and will compare Player identification information with government or international -provided lists of suspected terrorists or sanction lists for example through the European Union or FATF on a monthly basis.

10. Any employee of the Company who becomes aware of an uncertainty in relation to the accuracy and truthfulness of the Player information provided shall immediately notify the AML Compliance Person, who will review the materials and determine whether further identification is required and or so that it may be determined whether a report is to be sent to the relevant authorities.

11. If a potential or existing Player either refuses to provide the information described above when requested, or appears to have intentionally provided misleading information, the Company will not open a new account and, after considering the risks involved, consider closing any existing account. In either case, the AML Compliance Person will be notified so that it may be determined whether a report is to be sent to the relevant authorities.

12. If a Player appears on a list of suspected terrorists or otherwise sanctioned individuals the Company will take the appropriate steps to immediately freeze and or lose the account of the Player.

13. If any material personal information of a Player changes, verification documents will be requested.

14. The Company will not accept cash or non-electronic payments from Players. Funds may be received from Players only by any of the following methods: credit cards, debit cards, electronic transfer, wire transfer cheques and any other method approved by the respective regulators.

15. The Company will only transfer payments of winnings or refunds back to the same route from where the funds originated, where possible.

16. Transfers of funds between Players accounts shall be prohibited.

17. The Company will develop ongoing employee training under the leadership of the AML Compliance Person. The training will occur on at least an annual basis. It will be based on the Company’s size, its Player base, and its resources and be updated as necessary to reflect any developments in the law.

Limitations of Liability

You agree that you are free to choose to use the Gratorama services and do so at your sole discretion and risk.

The Company shall not be liable to you or any third party in contract, tort, negligence, or otherwise, for any loss or damage whatsoever arising from or in any way connected with your, or any third party’s, use the services, whether direct or indirect, including, without limitation, damage for loss of business, loss of profits (including loss of or failure to receive anticipated winnings), business interruption, loss of business information, or any other pecuniary or consequential loss (even where we have been notified by you of the possibility of such loss or damage).

The Company shall not be liable in contract, tort or otherwise, for any loss or damage whatsoever arising from or in any way connected with your use, of any link contained on the site.

You confirm that the Company shall not be liable to you or any third party for any modification to, suspension of or discontinuance of the the services.

Nothing in the User Agreement will operate so as to exclude any liability of the Company for death or personal injury that is caused by the Company’s negligence.

You agree that, in the event that the services fail to operate correctly as a result of, but not limited to, any delay or interruption in operation or transmission; any loss or corruption of data or communication or lines failure; any person’s misuse of the site or its contents; any error or omission in content, or any other factors beyond our control: (1) the Company will not be responsible for any loss, including loss of winnings, that may result; (2) if any such errors result in an increase in winnings owed or paid to you, you shall not be entitled to the winnings falling within such increase. You shall immediately inform the Company of the error and shall repay any winnings credited to your account in error to the Company (as directed by the Company)   and (3) the Company may, at its discretion, deduct an amount equal to those winnings from your account or set off such amount against any money owed to you by the Company.

Breach of these terms and conditions

You agree to fully indemnify, defend and hold the Company, its  partners and their respective companies and officers, directors and employees blameless  from and against all claims, demands, liabilities, damages, losses, costs and expenses – including legal fees and any other charges whatsoever, howsoever caused, that may arise as a result of: (1) any breach of the User Agreement by you; (2) violation by you of any law or the rights of any third party; (3) your use  of the services or software or use by any other person accessing the services or software with your user identification, whether or not with your authorisation; or (4) acceptance of any winnings.

In addition to any other remedy available, if you breach any of the terms and conditions of this Agreement or if the Company has reasonable grounds to suspect that you have breached the terms and conditions of this Agreement, your winnings may be forfeited at the discretion of the Company and it may duly retain any existing positive balance in your Player Account on grounds of damages or other amount owed by you pending investigation and/or at the conclusion of legal proceedings. Failure to comply with this Agreement may also result in disqualification, Player Account  termination and/or legal action.

Online wagering is illegal in some jurisdictions. It is your responsibility to check your local regulation before playing online.

Our services are not designated for users under the age of 18. If you are under 18, you should neither download or use the services we offer nor provide any Personal Information to us. Since we reserve the right to access and verify all the Personal Information we collect, in the event that we become aware that you are under the age of 18, we will immediately discard such information.

Our services are not designated for users under the age of 18. If you are under 18, you should neither download or use the services we offer nor provide any Personal Information to us. Since we reserve the right to access and verify all the Personal Information we collect, in the event that we become aware that you are under the age of 18, we will immediately discard such information.

No person under the age of 18 (or the age of legal consent for engaging in the activities included in the Services under the laws of any jurisdiction – whichever is higher i.e. a person not considered “Legally of Age”) may use the Services under any circumstance. Any person not so-considered ‘Legally of Age’ using the Gratorama’s Services will be in breach of the terms of the User Agreement. The Company reserves the right to request proof of age at any stage in order to verify that persons not ‘Legally of Age’ are not using the Services. The Company may terminate your account and/or exclude you from using the Software or the Services if you fail to provide proof of age or if the Company suspects that you are not ‘Legally of Age’’

Each user should keep a copy of its transaction records and the relevant policies and rules of the operator.

General

When you register an account –  that account will serve as your identityfor as long as you use our services. You warrant and represent that all the details, including debit/credit card details, given during the registration process with Gratorama are accurate and you will continue to update the relevant details, should there be any changes.

We reserve the right at our sole discretion, to refuse to open an account to any individual.

Your decision to use the services is made at your own discretion and risk. We will not be responsible for any loss, including loss of winnings.

The Company is not liable for computer malfunctions or attempts by customers to participate in the Game by methods and/or means not intended by the Company. Gratorama is not responsible for the functionality of the internet. In the case of malfunction this is the sole responsibility of the customer and their system or system provider.

You shall hold the Company, its employees, officers, directors, licensees, distributors, wholesalers, affiliates, subsidiaries, advertising, promotion or other agencies, media partners, agents and retailers blameless and shall fully compensate for any and all costs, expenses, liabilities and damages whatsoever that may arise as a result of: (i) your entry, use, or reuse of the website, (ii) your use of any materials at the website, (iii) your entry, use, or reuse of the server, (iv) your participation in the Game, or, (v) your acceptance of any prize.

If any of the materials of the games are interfered with, mutilated, forged or damaged, they become void and unusable.

We reserve the right to amend and make any changes to this Agreement and/or to games, games rules, Bonus Terms and Cash-out Policy . If you disagree with changes made to this Agreement or any other bonus term or game rules, you should immediately cease all activity in your account.

Such substantial changes will take effect seven (7) days after such notice was provided on any of the above mentioned methods. Otherwise, all other changes to this Privacy Policy are effective as of the stated “Last Revised” date, and your continued use of our services after the Last Revised date will constitute acceptance of and agreement to be bound by such changes.

If you disagree with the changes made to this Agreement and or in our Privacy Policy, you should immediately cease all activity in your Player Account, including any use of the company services. In such an event, please close your Player Account and request to be unsubscribed from all correspondence with the Company and its services.

We may transfer our rights or obligations or sub-contract our obligations under the User Agreement, in whole or in part, without your consent: (i) to any entity within our corporate group, or (ii) in the event of a merger, sale of assets or other similar corporate transaction in which we may be involved in. The balance in your account shall not be negatively affected by such transfer or subcontracting.

The terms and conditions contained herein represent the complete, final and exclusive agreement between yourself and the Company and supersede and merge all prior agreements, representations and understandings.

This Agreement shall be governed by, and interpreted in accordance with, the laws of Curacao.

This User Agreement has been drafted in English. In the event of any discrepancy between the meanings of any translated versions of this Policy and the English language version, the meaning of the English language version shall prevail.