Rules and Terms & Conditions

Cadtree Limited (2031) is a Guernsey registered company incorporated under the laws of Gibraltar with registered address at La Corvee House, La Corvee Alderney GY9 3TQ, Guernsey (the “Casino”) and is part of the Casino Group (defined below). The Casino is licensed and regulated by the Alcohol and Gaming Commission of Ontario (“AGCO”) under the provisions of the Gaming Control Act, 1992 and the regulations thereunder, the standards and other policies promulgated by the AGCO and is governed by the terms of its agreement with Internet Gaming Ontario (“iGO”) for the purposes of operating and offering Internet gambling services to persons located in Ontario through the Casino Websites (defined below).

In this Agreement, "you" or "your" or "user" means any person who uses the Services through the Casino Websites, including all Players as hereinafter defined. Unless otherwise stated, "we", "us" or "our" refers collectively to the Casino and its subsidiaries, affiliates, directors, officers, employees, agents and contractors.

This Agreement applies to, and is binding upon you if you access the Services at the Casino Website(s).

This Agreement replaces any pre-existing Agreements and/or Rules, Terms & Conditions that appeared on the Casino Websites. In this Agreement:

"Account" means a unique Account that has been issued to you by the Casino.

"Agreement" means these Rules, Terms & Conditions;

"Casino Group" means the Casino and its subsidiaries, affiliates, sibling, parent and ultimate parent entities and their respective officers, directors and employees"Casino Websites" means the following websites: www.spincasino.ca, www.rubyfortune.ca, www.jackpotcity.ca, www.royalvegas.ca (known respectively as Spin Casino, Ruby Fortune Casino, JackpotCity Casino, and Royal Vegas Casino), and all other online casinos proprietary to us or any derivative(s) thereof, each one a “Casino Website”;

"Charge-back" means when you, or a credit card issuing bank, or any other third-party payment solutions provider effects a reversal of charges in relation to your credit card or third-party deposit transaction;

"Closed Player Account" means an Account that has been closed, deregistered or excluded by either us or you;

"Inactive Account" means a Player's Account which has not recorded any login and/or logout for a period exceeding 6 (six) consecutive months; for greater clarity, a Player’s Account that records one or more logins and/or logouts during this period without engaging in any financial transactions is not an Inactive Account;

"Guest Player" means a Player who utilizes free-play casino credits with no monetary value to place wagers at the Casino;

"Participate" means, without limitation, any of the conduct described in 4.1.1 to 4.1.7 below and visiting the Casino Website(s) and/or playing any games offered by the Casino and/or utilizing the Casino Website(s) and/or the Software in any manner whatsoever;

"Payment Service Provider" means a 3rd party with whom we have an arrangement to process money transfers.

"Player/s" mean(s) a Real Player and/or a Guest Player and/or an Inactive Player and/or a Closed Account Player;

"Real Player" means any player who has registered an Account at the Casino;

"Services" means the availability to, and provision of Software that enables you to play on the Casino Website(s) using the Internet or your mobile phone;

"Software" means any software owned by or licensed to us that may be used in order for you to participate on the Casino Websites, and this includes mobile applications.

"Your Jurisdiction" means the jurisdiction in which you are domiciled, reside or work.

1. YOUR PARTICIPATION ON THE CASINO WEBSITES

1.1 PARTICIPATION

1.1.1 Participation on the Casino Websites, downloading and using the Software and using the Services are all at your sole option, discretion and risk. The Casino reserves the right to suspend, modify, remove or add to the Casino Websites, the Services or the Software in its sole discretion with immediate effect and without notice. The Casino Group shall not be liable for any loss suffered by you resulting from any such suspensions, modifications, removals or additions and you shall have no claims against the Casino Group in such regard.

1.1.2.1 Internet Gambling may be illegal in Your Jurisdiction. The Casino does not intend to enable you to contravene applicable law. You are responsible for any gaming activity, and you are also responsible for ensuring that you are not contravening any law or legislation prohibiting gaming online. Before relying on any information contained on the Casino Websites you should consult the rules in Your Jurisdiction. The Casino Group excludes to the fullest extent lawfully permitted all liability for any use of the Casino Websites, whether their Services are moderated or not. You are solely responsible for ascertaining whether it is legal in Your Jurisdiction to participate on the Casino Websites.

1.1.2.2 The Casino Websites prohibit gameplay for players who are not physically located in Ontario. The Services are intended only for users who are physically located in Ontario, and the Casino does not intend to enable you to contravene applicable law.

1.1.3 You may only participate on the Casino Websites if it is legal for you to do so within Your Jurisdiction.

1.1.4 You must be a minimum of 19 years of age (“Legally of Age”) to download the Software, register an Account or use the Services. In addition, and in addition to the provisions of 1.1.2.2 and 1.1.3 above, you may only download the Software, register an Account or use the Services if you have attained the legal age of majority within Your Jurisdiction. We reserve the right to ask for your proof of age and suspend your Account until satisfactory documentation is provided.

1.1.5 We do not warrant the legality of your participation on the Casino Websites in terms of the laws of Your Jurisdiction.

1.1.6 We have the right to request you to furnish us with proof of your identity and age as a condition precedent to us allowing you to participate. All information supplied upon registration must be accurate and complete in all respects.

1.1.7 You hereby authorize us and our designated agents in rem suam, as and when we require, to confirm your identity and your right to use the monies that you wager at the Casino Websites.

1.1.8 You may not open and maintain more than one Account at any point in time per Casino Website. The Casino may in its sole discretion prohibit multiple accounts being registered or used by persons within the same family or living in the same household. With the exception of the Casino taking measures to detect and prevent persons from having multiple Accounts with the Casino Websites, the Casino Group shall not be responsible to Players for preventing the registration of multiple accounts, but can take action, including closing such Accounts and/or retaining all monies in such Accounts, including but not limited to situations where multiple Accounts are registered within the same family and/or household, regardless of the registration details provided at the time of opening such Accounts.

1.1.9 Casino wallets held on each of the four Casino Websites operate separately, and players’ funds and/or credits may not be transferred between Accounts belonging to the same players or third parties.

1.1.10 The Casino reserves the right to pay any winnings in Canadian Dollars (C$).

1.1.11 We have the right to require you to provide documentation to verify the registration information provided when you registered your Account at any time. These documents may include copies of government-issued photo identification, proof of address such as a utility bill, and proof of your payment method. If we deem it necessary, we may require that the copies of the said documents be notarized. In the event our requests for documents are not completed by the member, the Casino may at its sole discretion suspend or terminate your Account pending verification, and may withhold any funds that are present therein. Should the copies of documents that you provide fail our internal security checks – for example, if we suspect that they have been tampered with, or are in any way misleading or misrepresenting – we are under no obligation to accept them as valid, and under no obligation to provide you with feedback on the exact nature of our findings with regards to these documents. You are asked to keep your registration details up to date. If you change your address, email, phone number or any other information that you provided when you registered your Account and/or in response to our verification requests, please contact customer support in order to update your Account information.

1.1.12 You expressly consent to receive communications from the Casino and its agents, partners or affiliates, using the contact details provided by you on registration, in relation to your use of the Services or any other products or services offered by the Casino, its partners or affiliates from time to time.

1.1.13 The Casino does not allow players to gamble on credit nor do we accept cash.

1.1.14 The Casino allows you to choose your own username and password combination. You are required to create a secure robust password and keep this information secret. Your Account with the Casino is solely for your benefit, and you shall not allow any third party (including a relative) to use your account, password or identity to access or use the Services or the Software. You will not reveal your account username or password to any person and you shall take all steps to ensure that such details are not revealed to any person. You are fully responsible for any activities undertaken on your Account by a third party provided your username and password have been entered correctly, including any such activities that are undertake due to your account being compromised due to security weaknesses on your device(s) or due to your selection of weak passwords. You shall inform us immediately if you suspect that your Account is being misused by a third party and/or any third party has access to your Account username or password so that we may investigate such matter, and you will cooperate with us, as we may request, in the course of such investigation. You will refrain from using obscene or offensive usernames or aliases. Should you elect to use such a username or alias we reserve the right to close your Account. The Casino offers Multi Factor Authentication that provides an additional layer of protection to the sign-in process.

1.1.15 All promotions, bonuses or special offers made available to Players are limited to one per person, family, household address, email address, telephone number, debit/credit card and shared computer, e.g., school, public library or workplace. All promotions, bonuses or special offers are intended for recreational players, and we may in our sole discretion limit the eligibility of Players to participate in any such promotion, bonus or special offer. We reserve the right to withdraw the availability of any or all promotions, bonuses or special offers to any Player or group of Players.

1.1.15.1 In the event that the Casino has a reasonable suspicion that a Player is abusing or attempting to abuse a promotion, bonus or special offer, we reserve the right to deny, withhold or withdraw from any bonus, offer or promotion, either temporarily or permanently, or terminate that Player’s access to the Services and/or block that Player’s Account. Where there is evidence of a series of bets placed by a Player or group of Players, which due to enhanced payments through promotional offers results in guaranteed Player profits irrespective of the outcome, we reserve the right to ignore the bonus element of such offers and settle bets at the correct odds. We further reserve the right to ask any Player to provide sufficient documentation for us to be satisfied in our absolute discretion as to the Player's identity prior to us crediting any bonus or offer to their Account.

1.1.16 By registering an Account, you are deemed to have accepted and understood all the provisions of this Agreement as displayed on the Casino Websites. If you do not agree to any of the provisions of this Agreement, you should immediately stop using the Services, remove the Software from your computer and/or any other applicable device and terminate your Account. We recommend that all members print out (or save to file) all transaction records, rules of play, cancellation policies, and pay-out policies.

1.1.17 If using a credit or debit card, the name on the card MUST be the same as the name used when registering an Account with the Casino Websites, Where this is not the case the Account may be suspended. Where an Account is suspended, you should contact Player Services for details of our verification process. Any withdrawals that are made by bank wire will only be payable to the name used when registering with the site and if a debit or credit card has been used to deposit funds the name must correspond to the name registered on the card.

1.1.18 Updating or adding additional payment details may only be done by contacting Player Services. It is your responsibility to make yourself aware of the terms upon which your payments are accepted. You are solely responsible to keep abreast of any changes.

1.1.19 We have an obligation to remit funds to Players within a reasonable amount of time. Therefore, withdrawn uncontested funds, pending for withdrawal may be reversed back to the Account should Players not respond or abide by the withdrawal requirements. Should withdrawals be reversed they will be available for play within the Casino Websites. The Casino Group will not be held liable for funds used.

1.1.20 If you do not wish to have pending funds made available to you, you will be required to contact Player Support directly and temporarily lock your Account

1.1.21 Any monies held in Your Account shall not attract interest.

1.2 YOUR WARRANTIES

1.2.1 You warrant and represent, and we enter into this Agreement on the basis of such representations and warranties, all of which are material at the time of your entering into this Agreement and throughout the currency hereof, that you:

1.2.1.1 are legally able to participate on the Casino Websites within Your Jurisdiction;

1.2.1.2 are an "adult", being both Legally of Age and having attained the age of majority within Your Jurisdiction;

1.2.1.3 shall not allow any third party (in particular, but without limitation, anyone not Legally of Age) to, directly or indirectly, use your Account/s that you hold on the Casino Websites, utilize the Software or app or accept a prize from the Casino. It is your responsibility to ensure adequate security for devices is maintained. If you have accessibility needs, please see our FAQ for detailed information regarding accessibility and authorization process for access and usage.

1.2.1.4 have furnished us with personal details that are valid, accurate and complete in each and every respect and that you shall advise us immediately via email should such details change;

1.2.1.5 are the true and lawful owner of the monies that you deposit and wager at the Casino Websites and/or that you are duly and properly authorized to utilize such monies for the aforementioned purposes;

1.2.1.6 shall not deposit nor wager any monies at the Casino Websites that are derived in any manner whatsoever from illegal activities contemplated in 1.6 below;

1.2.1.7 shall pay all monies owed to the Casino and in respect of payment shall not charge-back, and/or deny or reverse or countermand any such payments;

1.2.1.8 have read and understood this Agreement; and

1.2.1.9 participate on the Casino Websites on an individual basis and for personal entertainment only (that is, not in a professional sense or in concert with other Player(s) as part of a club, group, etc.)

1.2.2 If you breach any of the warranties contained in clause 1.2.1 above, all transactions placed by you shall be null and void and you shall forfeit any winnings accrued to you as a result of such transactions and/or participation.

1.2.3 You warrant that you are not included in the below list of ineligible individuals who are prohibited from playing games on the Casino Websites as per the AGCO Registrar of Standards, section 3.01

• An individual under 19 years
• An individual who has advised the Casino that the individual is participating in a self-exclusion programme relating to the relevant Casino Website.
• An individual restricted by court order from playing on online gaming websites.
• An individual who is the subject of a written direction issued by the Registrar of the AGCO requiring that the individual be prohibited from playing on the Casino Website.
• An individual who is an officer, member of the board of directors or partners of the Casino.
• An individual who represents trade unions and negotiates on behalf of the staff of the Casino.
• Employees of registered third-party game and equipment suppliers to the Casino.
• Members or employees of the AGCO.
• Officers, members of the board of directors or employees of OLG or iGaming Ontario.

1.3 REFUSAL TO REGISTER, DEREGISTRATION, EXCLUSION & SUSPENSION

1.3.1 We may refuse to register you as a player or elect to deregister and exclude you or suspend you as a player from the Casino Websites at any time.

1.3.2 We are also required by law to refuse access to the Casino Websites and to deactivate the Accounts of any individual who meets the criteria prescribed for such purpose by the laws of Ontario, or where requested by the Registrar of the AGCO. The Casino shall have the right to suspend or deactivate the Accounts of such individuals and in such circumstances shall refuse to allow such individuals to play on the Casino Website.

1.4 CONSEQUENCES OF DEREGISTRATION, EXCLUSION OR SUSPENSION

1.4.1 If we deregister, exclude or suspend you from the Casino Websites and/or deactivate your Account you have the right to file a complaint by following our Complaints process below. (Clause 10.14)

1.5 INACTIVE ACCOUNTS & INACTIVE BONUS BALANCES

1.5.1 The provisions of this Clause 1.5 only apply if all of a Real Player's Accounts constitute Inactive Accounts.

1.5.2 Following all of a Real Player's Accounts becoming Inactive Accounts, we may in our discretion determine to deactivate such Inactive Accounts. If any Inactive Account has a positive cashable balance, we will use reasonable efforts to notify the Inactive Player via the most current contact details provided to us that there is a positive cashable balance in the Inactive Player’s Account(s) which is available to be withdrawn by the Inactive Player.

1.5.3 If no response has been received from the Inactive Player within 30 days of the notification in Clause 1.5.2 being sent by us, or the Inactive Player has not withdrawn the cashable balance from the Inactive Player’s Account(s) within 30 days of us sending such notification, any cashable balance standing to such Inactive Player's Account may, in the Casino's sole and unfettered discretion, be handled by the Casino as follows:

1.5.2.1 an administration fee equivalent to 10 C$ of such balance shall be levied monthly thereon and deducted there from until the earlier of:

1.5.2.1.1 the credit balance being reduced to zero; or

1.5.2.1.2 the Inactive Account becoming active.

1.5.3 Notwithstanding meeting any play through requirement, in our sole and absolute discretion, you may lose any bonuses and winnings derived from such bonuses if such moneys remain unused by you at the Casino Website for a period of six months from the date on which such bonus(es) were awarded. For the purpose hereof all Loyalty points awarded shall be construed to be Bonuses.

1.6 MONEY LAUNDERING AND OTHER ILLEGAL ACTIVITY

1.6.1 If the Casino has a reasonable suspicion that you may be engaging in or have engaged in fraudulent, unlawful or improper activity, including, without limitation, money laundering activities in which your transactions involve funds derived from illegal activities or that are intended to conceal funds derived from illegal activities, or conduct otherwise in violation of this Agreement, your access to the Services and the Casino Websites may be terminated immediately and/or your Account blocked, suspended or deactivated. If your Account is blocked, suspended or deactivated in such circumstances, the Casino is under no obligation to refund to you any funds that may be in your Account. In addition to terminating your access to the Services and the Casino Websites and/or blocking, suspending or deactivating your Account, the Casino reserves the right to prevent you from accessing any other services offered by the Casino. The Casino shall be entitled to inform relevant regulatory and law enforcement authorities, online service providers and banks, credit card companies, electronic payment providers or other financial institutions (together "Interested Third Parties") of your identity and of any suspected unlawful, fraudulent or improper activity and you will be required to cooperate fully with the Casino to investigate any such activity.

1.6.2 In order to assist in the prevention of money laundering:

1.6.2.1 no cash shall be accepted to fund any Account;

1.6.2.2 no withdrawals shall be made unless notarized copies of the following are received:

1.6.2.2.1 proof the bank/credit card account from which your wagers have been paid, e.g. copy of the front and back of credit/debit card(s) with all details clearly legible to enable prompt and accurate verification; most recent bank account statement, etc.;

1.6.2.2.2 a copy of a current government-issued photo identity document, i.e. driver's license; current and valid passport, identity card, etc. with name, photograph and signature visible on the document; and

1.6.2.2.3 a copy of a utility bill no older than 6 months clearly reflecting your registered address and name, i.e. most recent bank statement gas or electricity bill, credit card bill, etc.
For security purposes, when providing credit card information redact the middle eight account numbers on the front of the card copy and the 3 digit security code at the back of the card copy.

1.7. PUBLICITY

1.7.1 If, whilst playing on the Casino Websites, you win a sum of money or any other prize that is regarded by the Casino as worthy of publicity, you agree to make yourself available for any publicity event arranged by the Casino and to appear in media promotions organized by the Casino. The Casino will do its utmost to protect your privacy at all times.

1.7.2 Without derogating from the generality of clause 1.7.1 above, you hereby grant us the right to use your first name in any publicity about your win mentioned above and to use a picture of a model in your stead.

1.7.3 For further information on our privacy policy please see the relevant link on this Casino Website.

1.8. YOUR CONSENT

1.8.1 Telephone calls may be recorded or monitored for quality and/or security purposes. By using this service, you are consenting to the recording or monitoring thereof.

1.8.2 We may collect and record all internet communications, details of transactions you carry through the site and details of your visits to the site.

1.8.3 In registering an Account, you hereby consent to us contacting you through any and all means of communication (whether in written or verbal form and including, but not limited to email, telephone and SMS) in respect of matters relating to your Account. To unsubscribe to any or all forms of communication, please contact us directly.

1.8.4 If you unsubscribe, or have previously unsubscribed, from our general promotional materials, you will still receive certain business related communications required for the maintenance of your Account. Please allow 3 working days to be removed from our promotional mailing lists. Should you have any questions regarding any of the 'legalese', please contact us and we will be happy to assist you.

1.9 USE OF AUTOMATED PLAYERS ('BOTS') AND ILLEGAL SOFTWARE

1.9.1 The use and abuse of a bug or bots or any other form of artificial intelligence in any of the Software or Services provided on the Casino Websites is prohibited. Examples of such prohibited items are: (i) tools and services that allow for any type of collusion between players, such as showing cards, (ii) tools that assist Players in selecting games in accordance with Player identity, (iii) tools or websites that reveal and share information about other Players against their will, such as game statistics and overall earnings, (iv) any type of tool that performs any action on behalf of a Player, (v) any tool or program that collects information about other Players at the tables in the Player’s absence, (vi) any tool or program that provides game advice in real time based on the actions of other Players; or (vii) any software program or external aid which, in our opinion, enables you to find a seat at a poker table or automatically seats you at a poker table (collectively, “Bots”).

1.9.2 The use of Bots on the Casino Websites for financial gain is strictly forbidden and any monies acquired in this way will be deducted from the Player's funds.

1.9.3 The Casino shall take all necessary measures in case of a use of a Bot, including without limitation blocking, suspending or deactivating the Player’s Account, seizing of funds and legal proceedings.

2. THE SERVICE

2.1. The Casino Group is not liable for any downtime, server disruptions, lagging, or any technical or political disturbance to the game play. The Casino Group is not liable for any acts or omissions made by your internet service provider or any third party with whom you have contracted to gain access to the server that hosts the Casino Website. Software and Services are provided 'as is' and the Casino makes no warranties or representations, whether express or implied (whether by law, statute or otherwise) including but not limited to implied warranties and conditions of merchantability, satisfactory quality, fitness for a particular purpose, completeness or accuracy of the Software/Services or infringement of applicable laws and regulations. The entire risk as to the use, quality and performance of the Software/Services rests on you.

2.2. The Casino makes use of geolocation services and/or other mechanisms that allows the Casino to accurately identify and obtain your geographical location. The Casino will use such mechanisms to detect and dynamically monitor your location and will seek to block attempts to use the Services that cannot be verified as originating from within Ontario. Such location checks will occur at reasonable intervals to minimize the risk of the Services being accessed from outside Ontario. Mechanisms will be used to detect software, programs, virtualization and other programs capable of circumventing player location detection.

2.2. The Casino Group shall not be liable for computer malfunctions, failure of telecommunications service or Internet connections nor attempts by you to participate in games by methods, means or ways not intended by us. You are solely responsible for any telecommunications devices and services utilized by you to participate on the Casino Websites.

The Casino Group makes no warranty that the Software or Services will meet your requirements, be uninterrupted, timely, secure or error-free, that defects will be corrected or that the Software or server that makes it available are free from viruses or bugs or represents that the full functionality, accuracy and reliability of the Software or Services as to results or accuracy of any information obtained by you. In the event of systems or communications errors relating to the generation of random numbers, bet settlement or other element of the Services, the Casino Group will not be liable to you as a result of any such errors and we reserve the right to void all bets on the draws in question.

2.3. We cannot guarantee that the Services will never be faulty, but we will correct reported faults as soon as we reasonably can. If a fault occurs, you should report the fault to Customer Support.

2.3.1 The Casino Group shall accept no liability for any damages or losses, including loss of winnings, which are deemed or alleged to have arisen out of or in connection with the Casino Websites or the Services; including without limitation, delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the site or its content or any errors or omissions in content or any other factors beyond the control of the Casino Group.

2.3.2 We reserve the right to refuse or limit any wager(s) at our sole discretion for any reason whatsoever. In circumstances where a stake is deemed to be or is declared void by us at our discretion, any sum deducted from your Account with respect to that stake or wager shall be credited to your Account. Wagers shall only be valid if accepted by our server and subject to the Agreement. Until acceptance, no communications from you shall be binding on us and all information displayed on this site constitutes an invitation to play only. Malfunction (whether on a website or your equipment) voids all pays and plays. Should we determine to waive a rule in the interest of fair play to you, it shall only be for that instant and shall not set a precedent for the future.

2.4. The Casino reserves the right to void any winnings that were obtained as a result of hardware/software error or malfunction. Players found abusing such errors/malfunctions are subject to having their Account closed and any deposits and/or winnings forfeited. In the event of a Website system malfunction all bets are void. The Casino reserves the right to suspend, modify or remove or add to the Casino Websites any games or software at its sole discretion with immediate effect and without notice. The Casino Group shall not be liable to you for any loss suffered by you resulting from any changes made or for any modification or suspension of or discontinuance of the Software or Services and you shall have no claims against the Casino Group in such regard.

2.5. We may temporarily suspend the whole or any part of the Services for any reason at our sole discretion. We may, but shall not be obliged to, give you as much notice as is reasonably practicable of such suspension. We will restore the Services, as soon as is reasonably practicable, after such temporary suspension. The Casino Group shall not be liable to you for any loss suffered by you resulting from any such suspension and you shall have no claims against the Casino Group in such regard.

2.6. In the event of a Casino Website system malfunction all wagers are void. Refunds may be given solely at the discretion of Casino management. Where a manifest error, mistake or system failure results in incorrect odds, lines or handicaps taken in a bet, the bet, or that part of the bet if it is a multiple bet/parlay, will be null and void.

2.7 In accordance with clause 4.2 below, the Casino Group will not be liable to you for any loss that you may incur as a result of such suspension or delay.

2.8. It is the sole responsibility of the Player to record, account and report to any relevant governmental, taxation or other authority any information relating to taxes or other levies that may be payable on winnings that might be applicable in their jurisdiction and to pay such.

2.9. The Casino does not provide advice to Players regarding tax and/or legal matters. Players who wish to obtain advice regarding tax and legal matters are advised to contact appropriate advisors and/or authorities in the jurisdiction in which they are domiciled and/or resident.

2.10. Players are strictly prohibited from utilizing the Casino Websites and the Casino’s systems to facilitate arbitrage through Currency Exchange transactions. Where the Casino deems that a Player has deliberately used the aforementioned systems for financial gain through arbitrage, any gains will be forfeited and deducted from the Players balance without warning or notification.

2.11. You are permitted to install and use the Software and all content derived from the Software in connection with the use of the Casino Websites in accordance with this Agreement and with the
Braemar Limited End User License Agreement (EULA) The Software allows you to use our Services. The Software's code, structure and organization are protected by intellectual property rights. You must not:

• Copy, redistribute, publish, reverse engineer, decompile, disassemble, modify, translate or make any attempt to access the source code to create derivate works of the source code or otherwise.
• Sell, assign, sublicense, transfer, distribute or lease the Software.
• Make the Software available to any third party through a computer network or otherwise.
• Export the Software to any country (whether by physical or electronic means).
• Use the Software in a manner prohibited by applicable laws or regulations.
• Together the 'Non-Permitted Uses' You will be solely liable for any damage, costs or expenses arising out of or in connection with the commission of any Non-Permitted Uses.

3. SHARED ENVIRONMENTS

We may impose any limits or conditions that we, in our sole discretion, deem fit on any persons who open or attempt to open Accounts where such Accounts originate from environments where computers are, or the environment is shared. For this purpose, records are kept of the gaming environment.

4. INDEMNITY & LIMITATION OF LIABILITY

4.1. You agree that you are free to choose whether to use the Services and do so at your sole option, discretion and risk. You indemnify and hold harmless the Casino Group against any and all costs, expenses, liabilities and damages (whether direct, indirect, special, consequential, exemplary or punitive or other) arising from any participation by you on the Casino Websites. The nature of your participation shall include, but not be limited to, inter alia:

4.1.1. visiting, use or re-use of the Casino Websites;

4.1.2. use or re-use of any materials at, or obtained from, the Casino Websites or any other source whatsoever;

4.1.3. entry, use or re-use of the Casino Websites servers;

4.1.4. facilitating or making a deposit into your Account;

4.1.5. wagering or gaming at the Casino Websites;

4.1.6. acceptance and use of any win or prize at or from the Casino Websites;

4.1.7. use or re-use of the Casino software, whether downloaded from any of the Casino Websites or by any other means or through any other medium.

4.2. In no circumstances whatsoever shall the Casino Group be liable to you in contract, tort, negligence or otherwise, for any loss or damage howsoever arising from any cause whatsoever, whether direct or indirect, or for any amounts whatsoever (even where we have been notified by you of the possibility of such loss or damage).

4.3. Upon confirmation of money transfer from us to the Payment Service Provider, the Casino Group shall not be liable for any damages, loss or cost suffered or incurred by a Player (including any damages, loss or costs suffered or incurred as a result of a failure to pay or delay in payment).

4.4 The Casino Group shall not be liable for any acts or omissions of or advertisements published by third party advertisers and marketers.

4.5 Nothing in this Agreement will operate so as to exclude any liability of the Casino for fraud, death or personal injury that is caused by the Casino’s negligence.

5. PROMOTIONS, COMPETITIONS AND THE CASH-BACK PROGRAM

5.1. The Casino shall, from time to time, offer certain promotions, competitions and a cash-back program and that these competitions, promotions and cashback programs may have separate terms, conditions and rules that are competition, promotion or cash-back program -specific and any complimentary bonus credited to your Account must be used in adherence with such terms and conditions. Where wagering requirements for bonus money or free credits are not specifically stipulated in promotional offers then these rules will apply.

5.2. This Agreement applies to any competition, promotion and cash- back program.

5.3. In the event of a conflict between this Agreement and any promotion, competition and/ or cash-back program -specific terms, conditions and rules, the promotion, competition and/ or cash-back program -specific terms, conditions, and rules (as applicable) shall prevail but only to the extent that such promotion, competition and/ or cash-back program -specific terms, conditions and rules are in conflict with this Agreement.

5.4. The Casino reserves the right to exclude players from taking part in any promotion in its sole discretion. Promotions are for limited time only and the Casino reserves the right to terminate any Promotion at any time without prior notice. If unused casino bonuses remain, that bonus, as well as any winnings generated by such bonuses and loyalty points issued, will lapse after 6 months of date of issue. This is applied at the Casino's absolute discretion notwithstanding having met playthrough requirements for such bonuses.

5.5. The Cash-Back Program is offered at the discretion of the Casino and no correspondence shall be entered into by the Casino with regard to any aspect of the Cash-Back Program (including, without limitation, the crediting or debiting of Cash-Back Points to a Player's Account, the ratio of Cash-Back Points to Casino Credits awarded and a Player's eligibility or lack thereof in participating in the Cash-Back Program). The Cash-Back Program can be withdrawn from a Player’s Account without notice.

5.6. Under no circumstances shall you be eligible for more than one sign-up bonus on the Casino Websites. If your Account has been credited with a sign-up bonus for which you (in our sole and unfettered discretion, not to be exercised unreasonable) are ineligible, the Casino shall retrospectively void such sign-up bonus and any winnings received by you after the sign-up bonus has been credited to your relevant Account.

5.7. Bonus amounts are subject to a minimum wagering requirement of at least 70 times ("Play-Through Requirement") before it can be transferred from your Bonus Balance to your Cash Balance. The Play-Through Requirement imposed will vary at our sole discretion per game, promotion and/or region to region. For example, if you deposit 100 and receive a 100 credit bonus, the Play Through Requirement will be 70 x 100 = 7000. Any winnings attributed to the Cash portion of your balance can be withdrawn at any time, subject to meeting all of this Agreement. In order to meet the wagering requirements, please see the contributing percentages on the applicable promotion specific rules.

5.7.1 Any winnings from no purchase required offers as well as free spins will be subject to a 70x wagering requirement in order for the bonus money there from to be transferred into the cash balance. Specific game play-through is standard as per the applicable promotion, competition and/ or cashback program -specific terms, conditions and rules. In the event that a Player has a positive cash balance after the 70x wagering requirement is complete and such Player attempts to make a withdrawal, the withdrawal will be capped at 100 C$ and the remaining cash balance will be forfeited.

5.7.2 If you do not want any Bonus which has been deposited into your Account by the Casino then you are entitled to request that it be reversed out of your Account, subject to no Play Through having taken place on Bonus, the initial deposit and/or associated Sign-Up Bonus. You can do this by contacting customer support on live chat. If any part of the Bonus has been used, then the Bonus may not be removed from your Account (either by means of withdrawal or a request to the support staff) until the Play-Through Requirement associated with the Bonus has been met.

5.7.3 Where a Sign-Up Bonus has been granted to you, subject to you being required to have met all wagering requirements, you will be limited to a maximum withdrawal value of 6 times your first deposit amount and any remaining balance will be forfeited. This clause will only be applied at the discretion of Casino management. All progressive wins are exempt from this clause.

5.8. Before any withdrawals are processed, your play will be reviewed for any irregular playing patterns. In the interests of fair gaming, equal, zero or low margin bets or hedge betting, shall all be considered irregular gaming. Other examples of irregular game play include but are not limited to, placing single bets equal to or in excess of 30% or more of the value of the bonus credited to their Account, until such time as the wagering requirements for that bonus have been met. For the purposes of this rule, a bet is defined as one roulette spin or one dealer's dealt hand in any table game, or one deal in any Video or Power Poker game (this includes Multi-Hand/Play games). Any double or gamble shall be considered a new bet. Should the Casino deem that irregular game play has occurred; the Casino reserves the right to withhold any withdrawals and/or confiscate all winnings.

5.8.1 Play at certain games will contribute a different percentage of the Play-Through requirement:

• 100% All Slots (Excluding Progressive Jackpots), Keno & Scratch Card games (Re-spin slot games counts 10%)
• 8% All table pokers, all roulettes, all video/power Pokers (excluding All Aces and Jacks or Better video pokers), all blackjacks (excluding Classic Blackjack) and Casino War
• 2% Classic Blackjacks, All Aces video pokers, all Jacks or Better video pokers
• 0% all baccarats, all craps, Red Dog, Sic Bo, Progressive Jackpots

If you play on the excluded games (0%) before meeting the Play-Through requirements, then you agree that the Casino holds the right to void any winnings made from these games at our discretion.
Note: Playthrough (wagering) made using the Gamble Feature on all Slots or the Double Feature on all Video/Power Pokers will not count towards Play-Through requirements.

IMPORTANT: The contribution percentages and Play-Through requirements may differ per promotion and/or geographical location. In this instance, the percentage amounts and Play-Through requirements quoted in the applicable promotion, competition and/ or cash-back program -specific terms, conditions and rules will apply.

Please always refer to the promotion, competition and/ or cash-back program -specific terms, conditions and rules associated with each promotion to avoid any misunderstanding.

5.8.2 The Casino reserves the right to decide in its sole discretion which activities constitute "irregular play" and to withhold any withdrawals where irregular play has occurred.

5.8.3 In the event that the Casino believes you are abusing or attempting to abuse a bonus or other promotion, displaying irregular betting behaviour, or you are likely to benefit through abuse or lack of good faith from a gambling policy adopted by Us, the Casino may at its sole discretion, deny, withhold or withdraw from you any bonus or promotion, or rescind any policy either temporarily or permanently, or terminate your access to the Services and/or block your Account. In such circumstances, the Casino Group shall be under no obligation to refund to you any funds that may be in your Account other than your original deposit amounts.

5.8.4 If you are found to be in breach of the warranty contained in clause 1.2 above, the Casino reserves the right, in its unfettered discretion, to void any winnings and confiscate any balance in an Account.

5.8.5 The maximum bet while a bonus is actively being played through is 8 C$ per round and 0.50 C$ per line. Failure to follow this condition may result in forfeiting any winnings.

6. RULES OF PLAY

6.1. In addition to these Rules and Terms & Conditions, certain Rules of Play and FAQs as provided by the Casino on any of the Casino Websites (the “Rules of Play”) shall apply to you and be binding upon you in respect of your participation on the Casino Websites.

6.2. You hereby agree to be bound by the aforementioned Rules of Play and FAQs as if they were specifically incorporated into this Agreement.

6.3. In the event of a pay-out being left in play on a Video Poker game, the Casino reserves the right to collect and subsequently credit the Player's balance with that amount.

6.4. The Casino reserves the right to confiscate any funds that may have been left in-play on any game (Excluding Video poker) for 90 days or longer.

7. PAYMENT DETAILS / WITHDRAWALS

7.1. The Casino reserves the right to ask you for verification documents upon registration and / or prior to processing financial transaction. The Casino may use your player verification information collected between the Casino Websites. This includes, but is not limited to:

• Proof of income and Source of Funds
• Copy of photographic identification documents, such as a Passport or Driver’s License
• Documents confirming residence such as a bank statement or utility bill no older than 6 months
• Proof of ownership for any payment method used to deposit or withdraw funds (if applicable)

Failure to send in any requested documentation may result in your Account being terminated.

7.2. The Casino reserves the right to run credit checks on all Players with third party credit agencies on the basis of the information provided on registration.

7.3. It is your responsibility to retain copies of transaction records and Casino Website policies and rules. It is also your responsibility to know the laws concerning online gambling in Your Jurisdiction.

7.4. Any withdrawals that are made by bank wire will only be payable to the name used when registering with the site and if a debit or credit card has been used to deposit funds the name must correspond to the name registered on the card. There may be charges incurred for withdrawals. Funds must be withdrawn with the same method used for depositing, up to the amount of the deposit. Please note that any withdrawals may experience a slight delay due to our identity verification process.

Note: In accordance with regulations established by the Registrar’s Standards of the AGCO, the policies of iGO and FINTRAC requirements, the Casino is required to verify a Player’s identity at the time of registration.

7.5. Updating or adding additional payment details may be done by contacting Player Services or via the Software.

7.6. Players who withdraw funds may be subject to a detailed game play review before any funds are released.

7.7. Winnings are added in the relevant currency (C$). If there are any concerns or queries regarding the collection of winnings, please email us directly.

7.8. In order to comply with Anti-Money Laundering obligations all withdrawals are screened to prevent money laundering or other types of fraudulent and/or criminal activity. During this period [Rolling 24 hours from initiating your withdrawal – No withdrawal processing over weekends] withdrawals will be held in a pending state, during which the balance is accessible to the players and can be reversed, thereafter it will go for processing. Until such time as it has been released for processing, the funds will be deemed to be part of the cash balance of the Account. We reserve the following rights consistent with our duties as a Gaming Operator and in accordance with applicable law:

7.8.1 to withhold payment of your real money balance and to ask additional verification questions and/or for documents, such as, but not limited to, the source of any funds and source of wealth placed on deposit by you, proof of age documentation as well as any further evidence to verify your identity;

7.8.2 to return any non-wagered deposits or deposits balance to the originating deposit method or, where this is not possible, to a bank account held in your name with a description of the transaction as we deem fit; and

7.8.3 to close or block your Account(s) indefinitely without providing you with reasons and to report you to the relevant authorities.

7.9 Our withdrawal terms and conditions can be accessed on the following link: Withdrawal Terms

7.10 Depending on the payment mechanism used, some funds might be collected and processed by Digiprocessing Limited on behalf of the Casino, members of the Casino Group or certain related companies. Digiprocessing Limited (110368), a Gibraltar registered company with registered address Suite 1, Burnes House, 19 Town Range, Gibraltar GX11 1AA

8. RESPONSIBLE GAMING/GAMBLING

8.1. Gaming is supposed to be fun but can be addictive. We promote responsible gaming by:

• Enabling the blocking / suspension of Accounts upon request
• Allowing you to contact one of our Player Support Representatives or click through to one of the links provided in the Responsible Gaming page.

8.2. For full details about our Self-Exclusion Policy, please refer to the Responsible Gaming Page

8.3 Although every effort will be made to act upon your request via email within a reasonable period of time, please bear in mind there may be a slight delay. The Casino Group is not liable for losses due to pending communications.

For queries requiring immediate attention please contact Customer services via live chat.

9. INTELLECTUAL PROPERTY

9.1. We hereby grant you a revocable, non-exclusive, non-transferable right to use the Casino Websites and the Software and all content derived from the Casino Websites and the Software, including copyright and all intellectual property rights therein, in connection with the Service in accordance with this Agreement.

9.2. You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all material or content supplied as part of the Casino Websites and the Software shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorized by us or our licensors.

9.3. You acknowledge and agree that the material and content contained within the Casino Websites is made available for your personal non-commercial use only and that you may download such material and content onto only one computer hard drive for such purpose. Any other use of such material and content is strictly prohibited. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit, tamper with, or create derivative works of such material and content.

10. GENERAL

10.1. AMENDMENT

10.1.1. The Casino may amend, modify, update, alter, delete, interlineate or add to ("Changes") these Rules and Terms & Conditions, the promotion, competition-specific and/ or cash-back program -specific terms, conditions and rules, Rules of Play and FAQs from time to time and we will notify you of any such amendment, modification or change by publishing the new version of same on the relevant pages of the Casino Websites.

10.1.2. These Changes shall become effective, and you shall be bound by these Changes, immediately upon their publication on the relevant pages of the Casino Websites, and your continued use of the Services or the Software after such publication will be deemed to constitute your acceptance of the Changes.

10.1.3. You agree to regularly review these Rules and Terms & Conditions, promotion or competition-specific and/ or cash-back program -specific terms, conditions and rules, the Rules of Play and FAQs regularly in order to assess whether any Changes have been made.

10.2. ELIGIBILITY

The Casino Group and affiliates connected to any referral programs linked to the Casino Websites, advertising or other agencies, licensees, licensors, distributors and their other associated or affiliated companies or service providers, in the case of individuals, the immediate family of such individuals, are not eligible to participate on the Casino Websites as Real Players, including individuals listed in clause 1.2.3 above.

10.3. SEVERABILITY

If any part of this Agreement is deemed unlawful, void or for any reason unenforceable, then that part shall be deemed to be severable from the rest of this Agreement and shall not affect the validity and enforceability of the remaining provisions of this Agreement. In such cases, the part deemed invalid or unenforceable shall be amended in a manner consistent with applicable law to reflect, as closely as possible, our original intent.

10.4. NON-WAIVER

No indulgence granted by the Casino to you should be construed as a waiver of any of the Casino’s rights in terms of this Agreement.

10.5. THIRD PARTIES

Unless otherwise expressly stated, nothing in this Agreement shall create or confer any rights on any persons not party to this Agreement.

10.6. ACCEPTANCE

By accepting this Agreement You are fully aware that there is a risk of losing money when gambling by means of the Casino Websites and you are fully responsible for any such loss. You agree that your use of the Casino Websites is at your sole option, discretion and risk. In relation to your losses, You shall have no claims whatsoever against the Casino or any white label partner or their respective directors, officers or employees.

10.7. WHOLE AGREEMENT

Unless the context otherwise indicates, these Rules and Terms & Conditions set out the entire agreement between you and us and supersede all prior oral or written agreements, arrangements, or understandings between us. You acknowledge that you are not relying on any representation, agreement, term or condition that is not set out in this Agreement.

10.8. INTERPRETATION

In this Agreement the headings are used for convenience only and shall not affect its interpretation. References to persons shall include incorporated and unincorporated persons; references to the singular include the plural and vice versa; and references to the masculine include the feminine.

10.9. GOVERNING AUTHORITY

This Casino is regulated by the provisions of the laws and gaming regulations of the province of Ontario, including without limitation the standards, policies and other guidance issued by the AGCO and iGO.

10.10. APPLICABLE LAW & JURISDICTION

The validity, construction and performance of this Agreement shall be governed by the laws of the province of Ontario and the applicable federal laws of Canada and shall be subject to the non-exclusive jurisdiction of these superior courts of the province of Ontario to which the parties hereby submit, except that a Party may seek an interim injunction in any court of competent jurisdiction.In addition, Cadtree Limited is governed by the laws of Alderney as applicable under the requirements laid down by the Alderney Gaming Control Commission (“AGCC”) for a category 1 licence holder.

10.11. TRANSLATIONS

This Agreement may be translated into many different languages. If there is any discrepancy between the English language version of this Agreement and any other language- version of this Agreement in the meaning and interpretation of any of the provisions of this Agreement, the meaning and interpretation of the provisions under the English language version shall prevail.

10.12 TOURNAMENTS

10.12.1 Entrance into tournaments played on the Casino Websites is limited to one per person per Account. If Players open multiple Accounts, they will not be eligible for an entry per Account. Entry is only available once per Player and/or per environment where computers are shared and/or per e-mail address. Only one alias is permitted per Player per tournament.

10.12.2 Upon withdrawal, any winnings from the Tournament Free Rolls prior to a cash deposit will be capped at a value of 100 C$ and the remaining cash balance will be forfeited.

10.13 COMPLAINTS AND DISPUTES

Any Player who has any concerns, questions or complaints regarding their Account, funds management, game play or any matter related to compliance with the Agreement, the Rules of Play, the AGCO Standards and Requirements and/or the iGO policies should contact Customer services via live chat through the Casino Websites or by email. Players with unresolved complaints may raise a formal complaint within 6 months of the issue occurring. To ensure your complaint/concern is dealt with promptly please email the following email address and include the following information:

• Your Username/ Account number
• First and Last name
• Detailed Explanation of complaint/concern
• Any other information specific to the complaint/concern including any evidence (If applicable)

Please send the above information to [email protected]

You have 4 weeks in which to reply to communications from us relating to your complaint, and failure to do so will result in the automatic closing of the file relating to that complaint. You will then be required to re-log your complaint should you wish to continue the process.

No complaint may be logged within 1 week of performing a withdrawal; this is to allow the normal processing to continue.

Alternate Dispute Resolution (ADR)

Should you not reach an agreement with us after completing our complaints process, you may refer the matter to one of our ADR providers.

iGO at [email protected] or by phone at (416) 326-8283 or 1-833-55-iGame / 1-833-554-4263 (toll free).

eCOGRA

AGCC or [email protected]

If you are an existing Account holder, please include your username/Account number/alias, Name, Surname and contact information in all correspondence.

10.14 ASSIGNMENT

These Rules and Terms & Conditions are personal to you, and are not assignable, transferable or sub licensable by you except with our prior written consent. We reserve the right to assign, transfer or delegate any of our rights and obligations hereunder to any third party without notice to you.

10.15 BUSINESS TRANSFERS

In the event of a change of control, merger, acquisition, or sale of assets of the company, your Account and associated data may be part of the assets transferred to the purchaser or acquiring party. In such an event, we will provide you with notice via email or notice on our web site explaining your options with regards to the transfer of your Account.

10.16 TERMINATION OF ACCOUNT

The Casino reserves the right to suspend, terminate or deactivate your Account for any reason whatsoever at any time without notice to You. Any balance in your Account at the time of such cancellation will be credited to your nominated payment account. However, the Casino reserves the right, in its unfettered discretion, to void any winnings and confiscate any balance in an Account in any of the following circumstances:

i. If You have more than one active Account;

ii. If the name on your Account does not match the name on the credit card(s) used to make deposits on an Account;

iii. If you participate in a Casino Website promotion and cash-in before fulfilling the requirements of that particular promotion;

iv. If you provide incorrect or misleading registration information;

v. If you are not Legally of Age and/or have not attained the age of majority within Your Jurisdiction;

vi. If you reside in a jurisdiction where use of the Services is prohibited by law;

vii. If you have allowed or permitted (intentionally or unintentionally) someone else to play on your Account;

viii. If you have not played on the Casino Websites on an individual basis for personal entertainment only (that is, you have played in a professional sense or in concert with other Player(s) as part of a club, group, etc.);

ix. If the Casino has received charge backs or returns via a deposit mechanism used on your Account;

x. If You are found colluding, cheating, money laundering or undertaking fraudulent activity;

xi. If it is determined by the Casino that you have employed or made use of a Bot;

xii. If you use the Casino Websites or your Account in bad faith;

xiii. If you make statements that are sexually explicit or offensive in any of our customer support channels, including expressions of bigotry, racism, sexism, harassment of any nature, hatred, profanity or threats of violence;

xiv. If the Casino should become aware that you have played at any other on-line casino under any of the circumstances set out at (i) to (xiii) above.

10.16.1 ACCOUNT CLOSURE

If you wish to close your Account, please contact Player Services directly.

10.17 FINAL DECISION OF CASINO

In the event of a discrepancy between the result showing on the Softwareas downloaded onto your device(s) and the result showing on the Software as it exists on the Casino's servers, the result showing on the Casino's servers shall be the official and governing result.

10.18 CURRENCY

The use of the C$ symbol in this Agreement indicates Canadian Dollars. Where dollar signs are used on the Casino Websites or within the Software, they are used to indicate Canadian Dollars.

10.19 FORCE MAJEURE

The Casino Group shall not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under this Agreement that is caused by events outside our reasonable control.

10.20 NO AGENCY

Nothing in this Agreement shall be construed as creating any agency, partnership, trust arrangement, fiduciary relationship or any other form of joint enterprise between you and us.

10.21 EXPLANATION OF TERMS AND CONDITIONS

We consider these Rules and Terms & Conditions to be fair. Should You need any advice regarding these or any other part of our service, please contact us directly. In the interests of both our Players and the Casino, please note that all correspondence and telephone calls may be recorded.

11. MOBILE CASINO

When playing on the Mobile Casino the following additional terms shall apply:

11.1 NETWORK OPERATOR AND OTHER CHARGES

You are solely responsible for any connection, use or other charges levied by your network operator when you register to play games on the Mobile Casino, download the Software, place bets or communicate with us. These charges shall form no part of any bets placed.

11.2 CONNECTIVITY

You (the Player) are solely responsible for any telecommunications devices, networks, GPRS, Internet access services and other consents and permissions required in connection with your use of the Casino Websites or the Mobile Casino.

Rules and Terms & Conditions last updated: 2023/10/11

Version: 1.1