1) These General Terms and Conditions (“T&Cs” or “Agreement”) constitute and govern the contractual relationship between the parties, CROATIA 4D POOLS Limited hereinafter referred to as “CROATIA 4D POOLS” or “We”, “Us”; or “Our”; and You, as the user and customer, hereinafter referred to as “User" or “You” or “Yours”.
“CROATIA 4D POOLS” in these General Terms and Conditions refers to CROATIA 4D POOLS Limited, a company incorporated in Malta with registration number C 66946, having the following registered address:
CROATIA 4D POOLS Limited
1st Floor, Suite 3,
Central Business Centre
Mdina Road
Zebbug
ZBG9015
Malta
“Malta Gaming Authority” or “MGA” means the regulatory body in Malta responsible for remote gaming conducted in and from Malta as per the Gaming Act, Chapter 583 of the Laws of Malta.
“User” means any individual or entity that expressly or impliedly agrees to all these General Terms and Conditions by opening an account and placing bets on casino style games, scratchcards and/or secondary lotteries games with CROATIA 4D POOLS`s website www.multilotto.com or any other websites as approved by the Malta Gaming Authority, from time to time, hereinafter referred to as “Website" and which URLs shall be clearly indicated when the User clicks on the MGA dynamic logo on the Website’s home page.
“Lump Sum” means a sum of money paid all at once, rather than in instalments.
“Multiple Accounts” and “Duplicate Accounts” have the same meaning under Title II, para.no. 8) below.
CROATIA 4D POOLS and the User are the only parties to this Agreement.
2) "Service" or "Services" shall include all activities related to the Services and listed on the Website including but not limited to casino style games, slots, scratchcards games, secondary lotteries and other games of chance, as may be, case by case.
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4) All Users, accessing the Website agree to abide by these T&C’s, also including General Casino Games Rules, General Slot Games Rules, Specific Casino Games Rules, Terms and Conditions for Bonus/Promotions and Privacy Policies, General Betting on Scratchcards Games Rules and Specific Betting on Scratchcards Games Rules, General Betting on Secondary Lotteries Games Rules and Specific Betting on Secondary Lotteries Games Rules, and other betting rules updated and/or added from time to time by CROATIA 4D POOLS, which collectively govern the use of the Services (the "Agreement").
The User must read, agree with and accept all of the General Terms and Conditions contained in this Agreement without modifications, which include those General Terms and Conditions expressly set forth below and those incorporated by reference, before the User may become an active, registered User of CROATIA 4D POOLS. By continuing to access or use the Website, the User agrees to follow the General Terms and Conditions of this Agreement. This Agreement shall also apply to all Services provided via mobile devices, including downloadable applications. All references to the use of the Website shall be construed as references to the use of our Services provided for mobile devices.
5) CROATIA 4D POOLS may amend and/or assign this Agreement or any rights and/or obligations from time to time. Any material changes, as defined by the law, to the General Terms and Conditions will be communicated to the User beforehand by prompting s the User to re-accept the General Terms and Conditions prior to logging in. For minor or insubstantial changes, We may or may not give You a notice, therefore the User is advised to review the T&Cs on the website on a regular basis. If the User does not agree to be bound by the material or minor changes to these T&C’s, the User must not use or access our Services, and/or close his/her account as per Title VI below.
6) This Agreement describes the terms, conditions and risks applicable to the User when using the Services available on the Website. For certain regions or devices CROATIA 4D POOLS might use other specific or country-specific domains in addition.
7) CROATIA 4D POOLS may publish these General Terms and Conditions in a number of languages and shall reflect the same principles. This is done for information purposes and to help players. It is however the English version that constitutes the legal basis of the relationship between You and CROATIA 4D POOLS. Should there be any discrepancy between the T&Cs in the English version and the version in any other language, the English version shall prevail.
8) These General Terms and Conditions enter into force by registering an account with the Website and You agree that you have read and understood these General Terms and Conditions. By using the Website, you signify that you have accepted and agreed to the contents contained therein. You must read and understand these Terms and Conditions fully before registering an account with Us. Should You not agree with any part of this Agreement, You must not use or continue to use the Website.
9) The services are available to, and may only be used by individuals, who can enter into legally binding contracts under the law applicable to their country of domicile. It is the User’s responsibility to ensure that betting is legal in his/her jurisdiction.
10) In all circumstances CROATIA 4D POOLS shall not be held responsible for misuse of Our Services by any unauthorized parties or minors.
11) CROATIA 4D POOLS reserves the right to refuse and/or cancel Services at its own discretion where the Services are illegal to use.
12) You are aware that the right to access and use the Website and any Services offered therein may be considered illegal in certain countries.Consequently, You are responsible in determining whether Your accessing and use of Our Website is compliant with the applicable laws in Your country and You warrant to Us that gambling is not considered as an illegal activity in the territory where You reside. It is not CROATIA 4D POOLS’s intention that the Website is used in countries where gambling is considered as an illegal activity and it is Your responsibility to ensure that this does not occur. The Website does not constitute an offer, solicitation or invitation by CROATIA 4D POOLS for the use of the Website in any jurisdiction in which such activities are prohibited by applicable law.
13) It is User’s obligation alone to ensure compliance with any law, regulation or directive, relevant to User’s country of residence. Ability to access the Website does not necessarily mean that CROATIA 4D POOLS Services, and/or User activities through it, are legal under the laws, regulations or directives relevant to the User’s country of residence.
14) In order to mitigate and prevent illegal or fraudulent activity through use of our services, we may, at our discretion, request that You cease to and/or refrain from making use of a VPN or Proxy on Your account. If suspicious, illegal or fraudulent activity is detected on an account while a VPN or Proxy is or was in use, we shall have the right to block the said account and funds held thereon, based on our assessment of the activity in question.
15) The User guarantees at all times not to be a resident of the following countries including the United States of America and its dependencies; and territories including but not limited to Afghanistan, Aland Island, Albania, Algeria, American Samoa, Angola, Barbados, Bosnia-Herzegovina, Botswana, Burundi, Cambodia, Chad, Congo, Cuba, Democratic Republic of the Congo, Dutch Caribbean (Curacao and Aruba), Equatorial Guinea, Ethiopia, Ghana, Guam, Guinea Bissau, Guyana, Haiti, Iceland, Iran, Iraq, Jamaica, Korea, Laos, Libyan Arab Jamahiriya, Macau, Marshall Island, Mauritius, Mongolia, Myanmar, Nicaragua, Northern Mariana Island, Pakistan, Panama, Puerto Rico, Serbia, Somalia, South Sudan, Sri Lanka, Sudan, Syria, The Bahamas, Trinidad Tobago, Tunisia, Turkmenistan, Uganda, Vanuatu, Venezuela, Yemen, Zimbabwe and any other country where the Services are prohibited. Furthermore, any person citizen of or resident in a country currently listed by the Financial Action Task Force as posing a risk to the international financial system, as updated from time to time
16) CROATIA 4D POOLS is not liable for transmission errors. Therefore, there shall be no claims for compensation due to any transmission errors, delays, or the misuse or manipulation of data.
In this context CROATIA 4D POOLS engages third parties for providing the Services. CROATIA 4D POOLS is also excluded from any liability regarding the Services.
17) CROATIA 4D POOLS reserves the right to refuse a User registration, to impose certain conditions, to extend or change the Services, to reject wagers, bets in general and to limit bets, winnings or stakes any time, to suspend or permanently refuse You from using the Website if you have violated these T&Cs, without any right or compensation for You.
18) Individual promotions and bonus may have additional Terms and Conditions, which are published separately. Please check carefully all Terms and Conditions associated with the individual promotions or bonus before taking part.
19) Misconduct by Users is forbidden on the Website. A User’s misconduct is deemed to be a violation of these General Terms and Conditions, whenever, but not exclusively, if the User:
This list above describing instances of misconduct is not exhaustive.
19) CROATIA 4D POOLS reserves the right to terminate events or games without prior notice and at its own discretion, whenever it deems necessary, which are working incorrectly or malfunctioning.
20) This Agreement shall be governed by and interpreted in accordance with the laws of Malta, excluding that body of law pertaining to conflict of laws. Any legal action or proceeding arising under this Agreement will be brought exclusively in the courts of Malta, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.
21) In case that this Agreement is prohibited by the relevant legal authority, both parties are entitled to terminate this Agreement for cause. In such instances, no further claims can be brought by either party.
22) CROATIA 4D POOLS will not be liable in any way to any persons in the event of force majeure, or for the act of any government or legal authority.
In order to use the Website, the User must complete the registration form and open a User account (“Account”) on the Website. The User must fill in the registration form provided by CROATIA 4D POOLS which shall at least include the following details:
(1) The User’s Identity – The User warrants to, provide true, accurate, current and complete information regarding identity during the registration process. Any false information or impersonation of any person or entity, misrepresentation regarding any affiliation with another person, entity or association, use of false headers or other acts or omissions to conceal one’s identity from CROATIA 4D POOLS for any purpose will be prosecuted under the fullest extent of the law. Anonymous and fictitious accounts are hereby expressly forbidden. A User accessing CROATIA 4D POOLS Services may be asked to provide valid subsisting verification of identity and relevant information.
2) During and after the registration process the User has to provide CROATIA 4D POOLS with valid identification, including but not limited to the address, contact email and/or personal telephone number and any other documents necessary to conduct the due diligence, as requested by the law and to the satisfaction of CROATIA 4D POOLS. In the event that CROATIA 4D POOLS has reason to believe that the information given is inaccurate, CROATIA 4D POOLS is entitled to suspend or terminate User’s account and retain any winnings.
3) The User is responsible for securing the User’s Username and Password for the account on the Website. CROATIA 4D POOLS holds no responsibility for any damage caused due to any act or omission of the User causing inappropriate or irregular use of the Account.
4) The User shall ensure that the registration details are provided up-to-date and shall make any necessary changes of name, address or e-mail address on CROATIA 4D POOLS’s Website without undue delay. It is the User’s responsibility to change his/her personal information if needed (the Customer cannot change any details after the registration; to update postal address or other details,the Customer has to contact support and provide [email protected] with a proof of address and valid ID or any other documents, as requested by our Support Team);
5) CROATIA 4D POOLS is in no way responsible for any access to a User´s account by a third person and will not be held responsible for any loss suffered due to the illicit use of a User’s password by a third person, of unauthorized access, and/or for any transaction in which the name and password of a User was registered correctly.
6) In order to place a bet with an account on CROATIA 4D POOLS´s Website, the User must have sufficient funds on his/her account for the bet he/she is going to place.
7) With the use of an Account on CROATIA 4D POOLS´s Website the User ensures at least the following:
8)CROATIA 4D POOLS accepts only one active account per person. Having more than one account per physical User is strictly forbidden (Multiple Accounts/Duplicate Accounts). Your Account must be registered in Your own, correct, name and personal details and it shall only be issued only once for You and not duplicated through any other person, family, household, address (postal or IP), email address, Access Device or any environment where Access Devices are shared (e.g. schools, workplaces, public libraries etc.) and/or account in respect of the Services.
CROATIA 4D POOLS retains the right to close a User´s account at any time and to cancel all the transactions pertaining to any User that has registered more than one account in his own name or under different names, in the event that CROATIA 4D POOLS has reasonable suspicion that the User has registered multiple accounts. It makes no difference whether the accounts have been used with the intent of defrauding or cheating, or otherwise.All bonuses, free bets and winnings accrued from such bonuses and free bets obtained using that Duplicate/Multiple Account will be void and forfeited by You.
We may, at our entire discretion, void all winnings and refund all deposits (less amounts in respect of void winnings) made in respect of that Duplicate/Multiple Account and, to the extent not recovered by us from the relevant Duplicate/Multiple Account, any amounts to be refunded to us by You in respect of a Duplicate/Multiple Account may be recovered by Us directly from any other of Your Accounts (including any other Multiple/Duplicate Account);We also may, at our entire discretion, allow usage of the Duplicate Account to be deemed valid in which case all losses and stakes placed by or for You through the Duplicate/Multiple Account shall be retained by us.
9) It is prohibited for Users to sell, pledge, transfer and/or acquire accounts to/from other Users. Funds can only be remitted to the same account from where they originated at the deposit stage.
10) CROATIA 4D POOLS accepts only natural persons with a single account as a User. Neither a legal entity nor body corporate is allowed to open or to have an account on CROATIA 4D POOLS´s Website.
11) Employees of CROATIA 4D POOLS, their immediate families and CROATIA 4D POOLS´s affiliates are prohibited from participating from CROATIA 4D POOLS betting offers, promotions, special offers or bonuses in general.
12) The User shall not treat CROATIA 4D POOLS as a financial institution nor expect interest on his/her deposit/s.
13) The base currency is EURO (€), but the account balance of the User may be displayed in another currency. The User can choose other currency than the EURO for his/her Account but he/she must be aware that sometimes the payment process may be subjected to an exchange rate when exchanging any payment amount into EURO. Please note that any exchange premiums are payable by the User.
14) Any amount credited erroneously to a User´s Account should be reported immediately to CROATIA 4D POOLS by the User. Any winnings and funds caused by an error are invalid regardless of how they occurred.
15) The use of any software program which facilitates artificial intelligence is strictly prohibited. Prohibited software may include software (e.g. scripts, bots or spider) which CROATIA 4D POOLS believes to be a software which allows Users to cheat or gives one User an unjust advantage over other Users while betting or wagering on the Website. CROATIA 4D POOLS reserves the right to take action in order to detect and prevent the use of such software by Users. Should CROATIA 4D POOLS identify or suspect for good reason the use of prohibited programs, CROATIA 4D POOLS reserves the right to block the relevant User’s account for a period of at least six (6) months, to confiscate any funds in that Account and/or to suspend the User from using the Services permanently.
16) In the event of misconduct by a User, CROATIA 4D POOLS is entitled to immediately terminate the Agreement with the User and exclude him from further use of the Website. Further, CROATIA 4D POOLS is entitled to interrupt and terminate on-going activities, to block the User or the User’s Account with or without prior notice and to retain the User’s credit and winnings achieved through misconduct until clarification of the situation.
17) Any indication of fraud, manipulation, cash-back arbitrage, or other forms of deceitful or fraudulent activity which was the basis of a provision of a bonus or otherwise will render the Account inactive along with any and all profits or losses gathered.
18) In countries where the report of winnings and losses is legally prescribed by legal authority or financial institution, the User is responsible for reporting his/her winnings and losses to such authorities.
19) CROATIA 4D POOLS will treat as highly confidential the information the User entrusts to it, in accordance with the disclosures it provides during the registration process and in accordance with its Privacy Policy.
20) CROATIA 4D POOLS supervises all accounts and data in the strictest confidence. An obligation to disclose may be requested by the relevant authorities, such as the MGA or the Malta Financial Intelligence Analysis Unit (FIAU).
21) CROATIA 4D POOLS reserves the right to refuse a User registration, to impose certain conditions, to extend or change the Services, to withdraw betting markets or other Services, to reject bets in general and to limit bets, winnings, odds or stakes at any time without providing any reasons and at its own discretion.
22) There is no general right to registration, opening an Account or placing a bet on CROATIA 4D POOLS´s Website.
23) If a User’s registration has been refused or the Account has been closed at CROATIA 4D POOLS’s sole discretion, the contractual obligations already made will be honored.
24) CROATIA 4D POOLS may waive a right or provision from these General Terms and Conditions in particular cases. CROATIA 4D POOLS will not be held liable and the User has no claim for a waiver of such right or provision in future matters.
25) No person shall use the Website for the purpose of money laundering. CROATIA 4D POOLS may employ best-practice anti-money laundering procedures. CROATIA 4D POOLS reserves the right to refuse to do business with, to discontinue to do business with, and to reverse the transactions of Users, who do not accept or conform to the following anti-money laundering requirements and policies:
26) Any suspicious or fraudulent transactions will be immediately reported to the relevant authorities, including but not limited to Malta’s Financial Intelligence and Analysis Unit and the MGA.
1) All payments into the Account must be from a payment source on which the User is the named account holder.
2) Several payment methods can be utilized in order to deposit funds to User´s Account by transfer of money like credit cards, bank transfer and other electronic payment methods. Certain payment methods may involve charges depending on the volume of the transaction. Prior to effecting the payment, the User will be informed of the charges (if any). Visit the payments page to view the payment methods available and any associated fees.
Bank transfers can take several days to be deposited on the User´s Account. Cash Deposits are not possible.
3) CROATIA 4D POOLS reserves the right to impose certain conditions on the use of particular payment methods. CROATIA 4D POOLS also has the right to change, add, limit or suspend the payment methods available without giving any notice. CROATIA 4D POOLS does not guarantee that all methods of payment are available at all times and for all countries.CROATIA 4D POOLS reserves the right to limit the minimum and maximum deposit amount per transaction for every provided payment method. For Bank Transfer method, the minimum deposit amount is no less than € 10 (ten Euro). The maximum deposit amount varies in accordance to the payment method used on the Website. Visit the payments page on https://www.multilotto.com/en/user/deposit/ for further information.
4) The User acknowledges that CROATIA 4D POOLS reserves the right to request proof of transfer of deposits to User Accounts. High volume deposits may have to be approved by CROATIA 4D POOLS.
5) The User acknowledges that CROATIA 4D POOLS reserves the right to request proof of transfer of deposits to User Accounts. High volume deposits may have to be approved by CROATIA 4D POOLS.
6) The User acknowledges that any recall or similar actions of correctly transacted transfers via any payment method is not possible.
7) CROATIA 4D POOLS reserves the right to request an image of both sides of the credit card used to deposit funds into the User Account at any time and at its own discretion. In order to reflect the best security practices, the User may be asked to black out the CVV number and certain card numbers.
8) The User declares not to deposit money using a credit card, bank accounts and any other payment accounts and solutions to which he/she is not authorized.
9) CROATIA 4D POOLS uses for all payment transactions secure connections to avoid unauthorized access by third parties in the best possible way.
10) CROATIA 4D POOLS reserves the right to recall any payment that is made in error.
11) Users wishing to receive a payment (including withdrawals) via bank transfer (SEPA), and who reside outside the European Economic Area (EEA), will receive the requested payment/withdrawal amount less any applicable bank charges.
12) Payments will only be effected in the Euro Currency.
1) CROATIA 4D POOLS wants to ensure that its Users gamble in a responsible manner, but We also acknowledge that gambling can be addictive to some and affect their lives negatively. Since We care for Our Users, and want online gaming to be an enjoyable experience, We offer various measures which can be taken by a User to gamble in a responsible manner. These can be set by the User through the Website and/or by sending an e-mail to customer care. Such measures include the following:
2) The Website also contains links to external entities and information which can help in case of addictive gambling. If You believe that You might be addicted to gambling, We encourage You to seek help through these areas of Our website and also contact Us via email.
3) By using the Services the User is acknowledging that placing bets on the Website is under the risk of losing money. It is the User’s sole responsibility to assume the losses suffered through the User’s Account;
4) UsIn case of Users who have self-imposed limits or exclusions, setting more stringent limits shall be effective immediately and setting less stringent/removing limits shall take effect after 24 hours from the day on which We receives such notice. Revoking an indefinite period of self-exclusion will be effective after 7 days from the date We receive your notice.
5) CROATIA 4D POOLS imposes a general deposit and withdrawal limit of €2,000 until the User would have been fully verified in terms of Anti-money laundering requirements.
1) The User may request a withdrawal of the existing balance on his/her Account if at least the following is given:
2) Withdrawals from a User’s Account can only be addressed strictly to the person registered on the Account in accordance to the conditions specified on the Website.
3) CROATIA 4D POOLS reserves the right to transfer amounts via bank transfer, if the User´s deposit method has no withdrawal option. In this case the holder of the bank account and the CROATIA 4D POOLS Account has to be the same person.
4) CROATIA 4D POOLS's finance department handles all withdrawal requests submitted. CROATIA 4D POOLS reserves the right to verify the entitlement of the User and, in case of doubt, to retain the withdrawal. Valid documents issued by government and identity documents must be submitted in order to process a withdrawal. No withdrawals for the cumulative amount of €2,000 and over will be processed, unless such documentation has been submitted by the User and verified by CROATIA 4D POOLS’s finance department. However, CROATIA 4D POOLS reserves the right to verify the User’s identity, age and location at any time before processing any amount of requested withdrawal.
5) The personal data of the User, of the account holder and the holder of the bank account (or any other payment method) must correspond. CROATIA 4D POOLS reserves the right to request further documentation for the proof of identity and verification of the bank account (or any other payment method) and retain winnings until such proof has been provided.
6) The maximum withdrawal amount per day is € 15,000.
For your protection in any 24 (twenty-four-hour) period the maximum withdrawal can be further limited. In the event of a large jackpot winning, the User and CROATIA 4D POOLS shall enter into an agreement on how the withdrawal of the winning will take place.
7) Complaints regarding withdrawals must be submitted within 30 days of the withdrawal request.
8) Once a withdrawal request is submitted it can take CROATIA 4D POOLS up to 3 business days to process the request. However, CROATIA 4D POOLS will be doing its best to process withdrawal requests immediately.
9) Funds cannot be withdrawn from User’s Account unless the same funds have been used for the Services at least once. A five percent (5%) administrative charge, with a minimum of five Euro (€ 5) per transaction may be applied for pay-out requests referring to amounts deposited with CROATIA 4D POOLS and which have not been used at least once for using the Services.
10) Withdrawals of winnings or parts thereof will be paid out upon request of the User. Please note that only the first withdrawal per week (Monday – Sunday) is free of charge. A second and every upcoming withdrawal within the same week will be charged with a fixed fee of € 5.00. The minimum withdrawal amount per transaction is no less than € 10.00 (or equivalent in other currency) with the exception of an Account closure in which case the User has the right to withdraw the full balance no matter how much it is. The maximum withdrawal amount per transaction varies in accordance to the particular payment method used via the Website.
11) CROATIA 4D POOLS reserves the right to reject withdrawals via a particular payment method and to transfer via bank transfer to User´s bank account without providing any reason.
12) Withdrawals can be deferred up to 30 days after User`s request.
13) The minimum withdrawal amount per bank transfer is € 10.00. Withdrawals with smaller amounts are only possible via different payment methods.
14) Account holders playing on CROATIA 4D POOLS’s Website can only withdraw funds through electronic payment methods and/or bank transfers, and/or through financial institutions. CROATIA 4D POOLS will not allow in any case cash withdrawals.
15) A list of all withdrawal methods, including any applicable processing fees, and settlement times can be viewed on Our Websites’ payment page. Kindly visit.
16) All transactions have to be processed in accordance with the European anti-money laundering regulations.
17) Free games may be played by a registered and non-registered Players. As long as the player is connected to the Internet and does not intend to bet real money, he or she can play the free online games offered on Our Website. Any winnings deriving from such free games are virtual winnings and are not redeemable into real money.
1) Users may choose to close their Account at any time. In such cases a User is requested to send an email, if in relation to scratchcards games, casino style games and secondary lottery games and our customer care will proceed with closing the Account and confirming to the User that such termination has taken place.
2) The User can self-exclude from CROATIA 4D POOLS Services temporary or permanently for gambling addiction issues. In addition, CROATIA 4D POOLS reserves the right to exclude Users or close the User´s Account if CROATIA 4D POOLS has reasonable suspicion that the User suffers from a gambling addiction problem.
3) For the purpose of preventing compulsive gambling a permanently closed account may never be reopened under any circumstances. Nevertheless, a deactivated Account may only be reactivated by CROATIA 4D POOLS with a delay of seven days in accordance with the Remote Gaming Regulations.
4) CROATIA 4D POOLS reserves the right, in its sole discretion, to void any bets or winnings, to terminate the Agreement, to deactivate the Account, to refuse, cancel the Services, to block transactions from Account and/or refuse to distribute profits to anyone for any legitimate reason including, but not limited to:
This list of reasonable grounds above is not exhaustive.
5) In the case where no transaction has been recorded on a User´s Account for thirty (30) months, CROATIA 4D POOLS shall remit the balance in that Account to the User, or if the User cannot be satisfactorily located, to the MGA. An Inactive Account is an account where no transactions (deposits, withdrawals, wagers, placing bets, buying lines etc.) have been registered and/or performed by the User for an uninterrupted period of 12 calendar months.From the 12th calendar month of inactivity, CROATIA 4D POOLS shall charge a €5 administration fee (“Inactive Account Fee”) every month until the User registers a new transaction, or until the 30 calendar months lapse, but will not cause a negative balance on the User's Account. We will notify the User when the account becomes an Inactive Account, and at least 30 calendar days before any Inactive Account Fee is deducted from it.
6) If the User registers a transaction after we began charging the account with the administrative fee we will cease charging the account with the administrative fee. The period of inactivity starts to run again from your last registered transaction. We reserve the right to close Inactive Accounts with zero real money balance at our own discretion.
7) CROATIA 4D POOLS prohibits Users from using devices, such as robots, that distort normal use of the Services.
8) Statements will be issued on a quarterly basis and fees will continue to accrue pursuant to the auto renewal of these General Terms and Conditions should the User fail to provide the required (30) day written notice of termination .
9) The User expressly authorizes CROATIA 4D POOLS to collect any Account fees due and owing pursuant to these General Terms and Conditions by debiting the User credit card on file, or by debiting the User’s CROATIA 4D POOLS Account.
10) The term of the Agreement shall be for an indefinite period and should the User wish to terminate this Agreement at any time, he may do so by sending an e-mail notification to CROATIA 4D POOLS. As of termination, the User shall not be able to carry out new transactions.
11) The User may only terminate the Agreement with CROATIA 4D POOLS by providing written notice to the email .
1) Each User is obliged to read and acknowledge the General Terms and Conditions in their valid version, including Betting on Scratchcards Games Rules, Betting on Secondary Lotteries Games Rules and Casino and Slot Wagering Rules and other betting rules updated and/or added from time to time by CROATIA 4D POOLS, and provisions of minimum and maximum stakes, maximum payouts or similar provisions.
2) Placing a bet or wager with CROATIA 4D POOLS, is only possible via the official CROATIA 4D POOLS platforms (e.g. Website or mobile version).
3) CROATIA 4D POOLS is not liable for damages if the User can place bets or wagers despite insufficient credit. The bet has to be declared invalid. A completed bet or wager is only accepted if the User's Account has sufficient credit for such bet.
4) CROATIA 4D POOLS reserves the right to reject individual bets or wagers, to limit the stakes on individual bets or wagers without providing a reason.
5) CROATIA 4D POOLS reserves the right to cancel any bets or wagers up to the start of a live casino, tournaments, scratchcards or lottery event, without giving any reasons.
6) After the event has started, CROATIA 4D POOLS may cancel bets/wagers provided that the User is in violation of these General Terms and Conditions or betting rules as applicable from time to time, or, in particular, if she/he is under the suspicion of manipulation/rigging, of acting in collusion or forming a syndicate of Users, keeping duplicate gaming Accounts or using front-men in order to place wagers.
7) The recorded data of CROATIA 4D POOLS is relevant for all the contents of a bet. Obvious errors have to be reported by the Users.
In the event that any information or result is incorrectly recorded, CROATIA 4D POOLS reserves the right to correct or declare results void and will take remedial action in order to rectify and amend the data in the system so as to reflect the correct information. Any winnings that are affected by the incorrect information will also be amended accordingly.
8) CROATIA 4D POOLS determines a fixed time until wagers are accepted. The acceptance of a wager or bet will be confirmed and the accepted bet is listed in the User´s Account in detail.
9) For invalid bets or wagers the stakes will be refunded to the User´s Account. This is in the particular case given when transmission errors occur, the date or time of the bet or necessary data of the User´s Account are missing or incorrect.
10) The stake limits are as follows:
11) Only CROATIA 4D POOLS determines the deadline for accepting bets or wagers.
12) The User must place his/her bet/wager as an individual person, except Group Games as organized under our website.
In this context CROATIA 4D POOLS reserves the right to void or cancel wagers/bets and/or confiscate the funds held in the Accounts in order to prevent and obstruct fraud if CROATIA 4D POOLS has legitimate reasons to believe that several Users establish and perform a syndicate or the respective wagers have been placed repeatedly by one or several Users.
13) Wagers placed by Users on behalf or to the account of hedging operators will be declared void.
14) CROATIA 4D POOLS reserves the right to correct or to declare results void, if the result has been caused by a technical default, by a manipulation of the particular event/tournament or by an error occurred at a payment transaction.
15) CROATIA 4D POOLS assumes no liability for input, transmission and/or evaluation errors. CROATIA 4D POOLS reserves the right to correct obvious errors or declare the affected wagers as “invalid”. Obvious errors may be typos, incorrect payables, or similar errors that affect the possible or actual winnings.
1) Location
All Casino Games take place in the territory of Malta.
2) Maximum Payout
Maximum cumulative net winnings on all Casino and Slot Games (excluding any progressive jackpot wins) in a 24-hour period by each User shall be capped at €15,000, whilst the maximum cumulative net winnings on all casino and slot games within a 7-day period (168 hours) shall be capped at €100,000.
1) Location
Unless otherwise specified, all Slot Games take place in the territory of Malta.
2) Maximum Payout
Maximum net cumulative winnings on all Casino and Slot Games (excluding any progressive jackpot wins) in a 24-hour period by each User shall be capped at €15,000, whilst the maximum cumulative net winnings on all casino and slot games within a 7-day period (168 hours) shall be capped at €100,000.
Company and licensing details
Gamevy Limited, and other scratchcards game providers updated and/or added by Multi Branding Game from time to time, provide the platform on Our Website on which You can play the Games that We may provide from time to time under the ‘Scratchcards’ tabs and any other similar Games that We make available to You from time to time on any CROATIA 4D POOLS Website (altogether, referred to hereafter as “Scratchcards Games”).
CROATIA 4D POOLS Limited is a company registered in Malta with company number C 66946, with its registered address at 1st Floor, Suite 3, Central Business Centre, Mdina Road, Zebbug ZBG9015 MALTA and, if You play the Scratchcards Games or www.multilotto.com, references to "CROATIA 4D POOLS", "We", "Us" and/or "Our" in these Terms and Conditions are to CROATIA 4D POOLS Limited.
CROATIA 4D POOLS is licensed to provide the Scratchcards Games pursuant to a licence granted to it by the Malta Gaming Authority in Malta which is the regulator for all forms of gaming in Malta, including games of chance.
1) Location
All Scratchcards Games take place in the territory of Malta.
2) Maximum Payout
Maximum cumulative purchase on each Scratchcards Game by each User shall be capped at 10 scratchcards at one time. User shall only purchase more scratchcards of that game when such User has played all 10 scratchcards he/she has purchased.
1) Company and licensing details
2) Location
All bets placed on the outcome of lottery results take place in the territory of Malta.
3) Contractual Parties
When YOU participate in any lottery game offered on the Website, YOU are accepting to enter into the agreement as described below:
4) Definitions Specific to Betting on the Outcome of Lotteries
All other capitalized terms used in these Conditions Specific to Customers wishing to bet on the outcome of lottery results, shall have the same meaning assigned to them under these General Terms and Conditions.
5) Placing of Bets on Lotteries
6) The Operator is authorized to, in its sole discretion, instruct the Bookmaker to void any Bets, whether Active or Settled if:
7) Betting on Lottery Winnings
Winnings on any Lottery Bet shall be credited to the User Account and the User is able to view any such Winnings on their User Account on the Website. In addition, the Operator may decide, but is not obliged, to inform the User with respect to Winnings by email, SMS/text message or other ways especially if there is a large win. Information about Winnings shall be provided in euro (€).
8) System Games
If a player chooses a “System Game” Bet, all possible combinations of the selected numbers are considered separate Bets. For the purposes of this Clause ‘System Game’ means when a user chooses to pick more than the minimum numbers required to place bets on a line, where the additional selected number/s will automatically be combined to establish all the different possible lines combinations.
9) Syndicate Games (Group Games)
10) The Operator strives to ensure that all the jackpot values for all lotteries offered on the Website are correct, but assumes no responsibility for errors contained in such information. The Operator estimates the amount of future jackpots using certain assumptions, such as the current or future jackpot being won or rolled over, but is not liable for false assumptions, calculations or forecasts.
11) Valid Lottery Bets
Valid Lottery Bets will be placed on the next relevant draw that takes place, provided that they are placed before the respective deadline and provided that the User has not selected something else on purpose. The deadline will be displayed on the Website. It is up to the User to make sure that the instructions are given to place the Lottery Bet before the relevant deadline. For the avoidance of doubt, instructions to place or the apparent placement of a Lottery Bet after the start of a specific draw or a draw that has actually occurred will not be valid, irrespective of any automatic confirmation, that may be generated via email or the Website, or irrespective of a wrong deadline displayed on the Website.
12) Lottery Draws
13) CROATIA 4D POOLS Lottery Bet Winnings
14) If any Lottery Bet is voided in accordance with Condition 13.b (i), 13.b(ii), or 13.b(iii), the Operator will offer the User, the option of placing any such Lottery Bet on the next relevant draw or crediting the User's Player Account with the relevant sum. If any Lottery Bet is otherwise voided by the Operator in accordance with these specific terms, the relevant sum associated with that bet may be forfeited by the Operator, except in those cases where the Lottery Bet was placed by a User who is under the age of 18. In this case, the Operator will seek direction from the Malta Gaming Authority on how to account for the voided bet placed by an under-aged player.
15) Advertised Lottery Prizes
16) Commitment to Decisions
17) Miscellaneous:
In the event of any discrepancy between the Conditions specific to customers wishing to Bet on the outcome of lottery results and the General Terms and Conditions of CROATIA 4D POOLS, the Conditions Specific to customers wishing to Bet on the outcome of lottery results shall prevail.
1) Separate Terms and Conditions
CROATIA 4D POOLS may, from time to time, offer promotions and/or competitions which are governed by separate terms and conditions. Any bonuses or special gifts credited to Your Account must be used in adherence with such terms and conditions, the promotion- or competition- specific terms and conditions shall prevail.
CROATIA 4D POOLS's bonus terms, which comprise part of these terms and conditions, may be found under the relevant bonuses’ pages on our Website.
In the event and to the extent of a conflict between these Terms and Conditions and the promotion- or competition- specific terms and conditions, the promotion- or competitionspecific terms and conditions shall prevail.
2) Right to Rescind
CROATIA 4D POOLS reserves the right to withdraw any promotion, competition, bonus or special offer at any time. In addition, CROATIA 4D POOLS reserves the right to limit withdrawals from any Bonus Scheme and/or scratchcards as outlined in the Agreement. In furtherance CROATIA 4D POOLS reserves the right to limit withdrawals from any Bonus Scheme, free spins and/or free scratch cards to 100 EUR (€) for players who have not made a deposit since the opening of their accounts.
3) Bonus wagering
Bonuses granted to the User by CROATIA 4D POOLS are excluded from wagering on the following games:
If bonus funds are wagered by the User in any of the listed games, such funds will not be acknowledged as a fulfilment of the wagering requirements for that particular game.
CROATIA 4D POOLS further reserves the right to forfeit any winnings, if bonus funds are wagered on any of the aforementioned games.
This paragraph does not exclude wagering of winnings gained from free spins.
CROATIA 4D POOLS may from time to time, offer jackpot prizes on its casino and slots games. Each jackpot prize offer will be governed by separate terms and conditions, which are specific to the jackpot offer, and which comprise part of these terms and conditions.
CROATIA 4D POOLS's jackpot terms, which, may be found at the relevant jackpot pages, comprise part of these Terms and Conditions.
In the event and to the extent of a conflict between these Terms and Conditions and the jackpot specific terms and conditions, the jackpot specific terms and conditions shall prevail.
CROATIA 4D POOLS takes every precaution to avoid as much as possible, any technical anomaly or problem. However, this is not always possible. Consequently;
1) By opening an Account with CROATIA 4D POOLS, the User implicitly gives his authorization to the processing of any personal data in compliance with the privacy laws in force in Malta for the use of the online betting services offered by CROATIA 4D POOLS. The supply of data to third parties is on an ‘opt-in’ basis.
2) This Section of the T&Cs must be read in conjunction with the posted on Our website.
3) These third-parties have limited access to your information and are contractually bound to protect and to use it on our behalf only for the purposes for which it was disclosed and consistent. For example, we provide your personal and financial information to our payment providers (Bambora AB, Paysafe Financial Services Ltd etc.), in order to ensure the adequate performance of our contract with you, for our legitimate interest and to comply with our legal obligation.
4) The User’s data will be shared with CROATIA 4D POOLS employees for the purpose of their work.
5) CROATIA 4D POOLS does its best to ensure the privacy, confidentiality and security of its Users.
6) The Users undertake to supply Us with true, updated and accurate information about their identity. Furthermore, they are required to state categorically that they are registering on their own behalf and are not seeking at any time to act in any manner which could be considered fraudulent nor are they seeking to impersonate any other individuals for any purpose whatsoever.
7) By registering with CROATIA 4D POOLS and through the voluntary interaction they undertake with CROATIA 4D POOLS’s products and/or Services, the User confirms and agrees that they consent to the use of all or part of the information they supply concerning their CROATIA 4D POOLS User Account, the transactions they undertake through it and the interactions which they perform with CROATIA 4D POOLS and on behalf of CROATIA 4D POOLS. All interactions the User undertakes with CROATIA 4D POOLS will be stored by CROATIA 4D POOLS for the purposes of record and as such may be employed by CROATIA 4D POOLS in such cases where disputes arise between Users and CROATIA 4D POOLS.
8)
9) CROATIA 4D POOLS reserves the right to use additional services for evaluating the use of its Website.
10) The access to data and the change of data are free of charge for Users. According to the Remote Gaming Regulations the full deletion of the data is not possible.
11) CROATIA 4D POOLS will do its utmost to ensure the confidentiality of its Users’ personal information including the implementation of data protection procedures designed to ensure User confidentiality. CROATIA 4D POOLS ensures that its data protection policy is regularly updated in order to ensure that the User's information is continually safeguarded.
12) From time to time, CROATIA 4D POOLS may contact Users whether by phone or email for the purpose of offering them further information about CROATIA 4D POOLS. In addition, CROATIA 4D POOLS may, on occasion, seek to contact Users, whether by phone or email, for the purpose of informing them on unique promotional offerings provided by CROATIA 4D POOLS for its User. Users consent to receipt of such contact when they consent to our General Terms and Conditions when registering with CROATIA 4D POOLS. Any person wishing to opt out of further contact with CROATIA 4D POOLS must contact customer support.
13) The User's data may be required by law or relevant authorities to be disclosed by CROATIA 4D POOLS. If CROATIA 4D POOLS may believe that disclosure is necessary, CROATIA 4D POOLS will disclose the information to the relevant public authorities in Malta.
14) Any suspicious or fraudulent activities can be immediately reported to the relevant authorities, including but not limited to the MGA.
15) CROATIA 4D POOLS reserves the right to publish the name of a User who wins a significant amount, particularly in relation to betting on the outcome of lotteries. Consequently, by agreeing to these terms and conditions, You are hereby agreeing to have your first name and the first letter of your surname published on the Website and/or through social networks in the case of a significant win resulting from a betting on a lottery game. CROATIA 4D POOLS shall not disclose your full name in public unless we receive your authorization to do so as part of a prize awarding ceremony.
1) In case of a complaint or an issue about the services, the User is to contact customer support by email, detailing the nature of the complaint. The description of the dispute must be clear and complete in regards to the User’s identity and all the details relevant to the issue. We will send confirmation of receipt within 24 hours.
2) We will endeavor to give the User a final response within 10 days from the date on which the complaint is received, but in certain cases this may be extended by a further 10 days. Should the period need to be extended, the User will be notified prior to the extension.
3) Any claim you might have regarding any transaction, except withdrawals (see pt. V, para. 7), must be made within 6 months after the transaction, payment and/or settlement took place/should have taken place; otherwise the claim will be rejected.
4) Should You remain unsatisfied kindly note You do have the option of bringing a complaint before the IBAS (Independent Betting Adjudication Services). IBAS is our Alternative Dispute Resolution Provider (“ADR”) and You have free access to refer the dispute to IBAS as soon as possible once you receive the final response from Us. More information about IBAS dispute resolution services can be found IN email .
5) IBAS can be contacted by courier also as follows:
Independent Betting Adjudication Service,
PO Box 62639,
London
EC3P 3AS
United Kingdom
6) Should You still not be satisfied with the ruling, Your dispute may be channeled using the Online Dispute Resolution (ODR) platform provided by the European Commission.
7) Multilotto will not tolerate derogatory, abusive or violent behaviour or statements that are threatening, vulgar, defamatory or otherwise offensive. Should You behave in any such manner towards Multilotto’s employees, (as determined in Multilotto’s sole opinion), Multilotto reserves the right to suspend and/or close Your Account and stop all communication and/or replies from Multilotto, and/or take any further measures as may be deemed appropriate, including reporting to relevant local authorities and law enforcement agencies.
Each clause contained in these General Terms and Conditions shall be separate and severable from each of the others. If any clause is found to be void, invalid, or unenforceable for any reason whatsoever, the remaining clauses shall remain in full force and effect.
This is version 3.4 of Multilotto's Terms & Conditions, last updated on May 2021.
You must be 18 or over to play or claim a prize