TERMS AND CONDITION

I. GENERAL

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.

3)

1. CROATIA 4D POOLS is licensed in Malta and regulated and authorized to accept wagers on casino style games (games of chance), slots games, scratchcards and secondary lotteries by the Malta Gaming Authority, which is a regulatory body established in Malta, a member of the European Union.
2. Scratchcards, secondary lotteries and casino style games offered on CROATIA 4D POOLS’s websites are licensed under license number MGA/B2C/338/2016 issued on 1st August 2018.
3. Scratchcards are offered in collaboration with Gamevy Limited holding RN/110/2019, HGMT Ltd. holding license no. MGA/CRP/501/2018 and other game providers holding relevant gaming licenses, as updated and/or added from time to time by CROATIA 4D POOLS. All licenses and Recognition Notices are issued, regulated, authorized and/or recognized by the Malta Gaming Authority.
4. Secondary lotteries games are offered in collaboration with Lotto Warehouse Ltd., holding license number MGA/B2B/351/2016, issued, regulated and authorized by the Malta Gaming Authority.
5. Casino style games, including slots, are offered in collaboration with HGMT Ltd. holding license no. MGA/CRP/501/2018, and Relax Gaming Ltd., holding license no. MGA/B2B/246/2013, and other game providers holding relevant gaming licenses, as updated and/or added from time to time by CROATIA 4D POOLS. All licenses and Recognition Notices are issued, regulated, authorized and/or recognized by the Malta Gaming Authority.

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:

1. Intentionally provides inaccurate or incomplete information;


2. Attempts to manipulate results through concerted practices, alterations of the software or Services or in any other undue way;


3. Deliberately cause malfunctions or defects of the Website in order to undermine the natural flow of the Services;


4. Sets up more than one account per person; and/or


5. Any other regulations set out in these General Terms and Conditions is violated.

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.

II. REGISTRATION AND ACCOUNT

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.

1. Date of Birth – The User assures CROATIA 4D POOLS that he/she is over 18 years of age. No person under 18 years of age or other higher minimum legal age in User´s jurisdiction may be registered as a User and any funds deposited or any money won by any such person shall be forfeited to the MGA.In Addition, CROATIA 4D POOLS is entitled to require the User to provide proof of age (ID and other documents) and to refuse a User’s admission to the Service if it has reasons to believe that the minimum age requirement is not fulfilled.


2. The User’s place of residence –Please note that the User may be asked to prove his/her place of residence by providing proof of identity such as copy of identity card, passport or driving license and/or utility bill or other documents, as requested by our Customer Support Department in order to perform the required due diligence (“KYC”);


3. The User´s valid e-mail address and contact number (phone / mobile);


4. Other documents necessary to perform KYC, as requested by Us and in order for CROATIA 4D POOLS to comply with its regulatory requirements;


5. Username – The username must be unique and clearly identifiable, personal and confidential. Offensive or indecent names are not allowed. Further prohibited are usernames that contain or allude to an Internet link or account names, which allude to certain rights of the User (ex. The term “administrator” is reserved for CROATIA 4D POOLS). We reserve the right to suspend accounts with an unacceptable username. Accounts can be reactivated as soon as suitable and an acceptable alternative username has been chosen.


6. Password - The User is advised to choose a strong and non-predictable password for security reasons and is responsible for ensuring that this password is kept as highly confidential. In the event that there is concern that the secrecy of Username and Password is no longer the case, the User should notify CROATIA 4D POOLS immediately.

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:

1. The User has completed the registration form truthfully and correctly.


2. The User is not an individual under 18 years of age or other higher minimum legal age in User´s jurisdiction.


3. The User is neither under legal supervision nor restricted in his business activities.


4. The User has registered personally on his/her behalf and not on the behalf of someone else.


5. The User uses the account for personal use and has no commercial intentions.


6. The User does not use funds gained through criminal or illegal activities.


7. The User has no knowledge about any bet result of the underlying bet before placing it.


8. The User is not classified as a compulsive gambler.


9. The User was not been excluded from gambling.


10. The User didn’t already have an Account closed by us for collusion, cheating, fraud and criminal activity, for responsible gambling reasons, forbreach of the T&Cs or at the User’s request(responsible gambling related).


11. The Users understands and accepts the risk that, by using the Services, the User may, both win and lose money;


12. The User has no multiple active accounts on CROATIA 4D POOLS´s Website.


13. The User has read and accepts these General Terms and Conditions.

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:

1. Winnings will only be paid to the individual who initially registered to open a live Account and specifically only to the originating credit card or account on file;


2. When a User funds an Account by means of credit/debit card deposits, winnings will only be distributed to the individual whose name appears on the card used to make the deposit and only be paid back to the same card. In the event of special circumstances, such as a change of card due to card expiry or a change of financial institution, the User may make a written request to CROATIA 4D POOLS’s support and customer care, explaining the circumstance and providing the necessary documentation as to why winnings or withdrawals should be directed to another account or card. CROATIA 4D POOLS will process such request and when deemed necessary seek a regulatory ruling from the MGA. Approval of such requests are the prerogative of CROATIA 4D POOLS;


3. Only one Account is allowed per person. No winnings may be collected on Accounts opened under false names or on Duplicate/Multiple Accounts opened by the same person;


4. Transfer of funds between CROATIA 4D POOLS’s Account holders are not allowed;


5. CROATIA 4D POOLS may, from time to time, at its sole discretion, require a User to provide additional proof of identity such as notarized copy of passport or other means of identity verification as it deems fit under the circumstances and may at its sole discretion suspend an Account until such proof has been provided to its satisfaction;


6. All transactions are checked to prevent money laundering;


7. If the User does not respect these rules and regulations then CROATIA 4D POOLS may suspend the User’s Account pending investigation.

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.

III. DEPOSITS AND PAYMENTS

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.

IV. RESTRICTIONS

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:

• Set limits on bet stakes and losses
• Set limits on session time
• Self-exclude for a definite period of time
• Self-exclude indefinitely

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.

V. WITHDRAWALS

1) The User may request a withdrawal of the existing balance on his/her Account if at least the following is given:

1. All incoming payments have been confirmed.


2. All amounts deposited have been turned over at least once with online betting Services of CROATIA 4D POOLS.


3. The corresponding Bonus conditions are fulfilled.


4. The User's request and the withdrawal is in accordance to these General Terms and Conditions.

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.

VI. ACCOUNT CLOSURE

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:

1. The User provides incorrect or misleading information on his/her Account or upon registration.


2. The User has neglected or has failed to provide required identification documents.


3. The User provides documents which do not match with the data from credit card or other payment method account.


4. The User uses or accesses the Services from a jurisdiction in which the Services are deemed to be illegal activities according to applicable law.


5. The User uses money, gained through criminal, unauthorized or other illegal activities.


6. The User is not of legal age and not at least 18 years old.


7. The User has defrauded or attempted to defraud CROATIA 4D POOLS or any other party in any way. This includes any system based on the use of software, techniques, computer, machines or similar tool or the establishment of a syndicate of Users in order to defraud or to cause damage to CROATIA 4D POOLS, its Users or any other party.


8. The User has multiple Accounts registered on CROATIA 4D POOLS Website or several accounts, which indicate that such accounts relate to the same user or group of users (IP, home address, similarity in username, email, same payment methods, same gaming history)


9. The User has allowed or permitted access to a third party to his/her Account. CROATIA 4D POOLS makes no exception for intentionally or unintentionally actions or reasons.


10. The User does activities on the Website where CROATIA 4D POOLS has reason to believe that the activities may be illegal or where CROATIA 4D POOLS may suffer any fiscal, regulatory, or pecuniary disadvantage by virtue of the User’s activities.


11. The User acts in an indecent way when communicating with CROATIA 4D POOLS´s employees or other Users using inappropriate language via e-mail, chat or phone.


12. The User violates any terms of the Agreement and fails to comply with it.

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 .

VII. BETTING AND BET PLACEMENT

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:

• The minimum stake per wager or bet is: EUR 0.01 (one Euro cents).
• The maximum stake per wager is EUR 500.00 (Five Hundred Euro).

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.

VIII. CONDITIONS SPECIFIC TO CUSTOMERS WISHING TO PLAY CASINO GAMES

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.

IX. CONDITIONS SPECIFIC TO USERS WISHING TO PLAY SLOT GAMES

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.

X. CONDITIONS SPECIFIC TO CUSTOMERS WISHING TO PLAY SCRATCHCARD GAMES

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.

XI. CONDITIONS SPECIFIC TO CUSTOMERS WISHING TO BET ON THE OUTCOME OF LOTTERY RESULTS

1) Company and licensing details

1. Lotto Warehouse Limited provides the platform on Our Website on which You can play the Games that We may provide from time to time under the ‘Play Lotto’ 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 “Betting on Lottery Games”). Lotto Warehouse Limited holds an MGA Platform License; MGA/CL4/1263/2016.


2. 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 ZBG 9015 MALTA and, if You Bet on Lottery Games , references to "CROATIA 4D POOLS", "We", "Us" and/or "Our" in these Terms and Conditions are to CROATIA 4D POOLS Limited.


3. CROATIA 4D POOLS is licensed to provide betting on the outcome of lottery results 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.

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:

1. When registering, and when placing an order for a bet, YOU are entering into a contract with CROATIA 4D POOLS for the following services: the use of the Website; the operation and management of the Player Account; the placing of Bets and, the payout of any Winnings to the YOU.


2. YOU hereby agree that CROATIA 4D POOLS is placing lottery bets on your behalf, with Lotto Warehouse Ltd, holder of an MGA license MGA/CL4/1264/2016, hereinafter the ‘Bookmaker’.


3. All references in these Terms and Conditions in relation to a User placing a Lottery Bet or in relation to the placement of Lottery Bets refer to, unless otherwise regulated, the placing of a Lottery Bet by CROATIA 4D POOLS with the Bookmaker for and on behalf of the User, in Malta.

4) Definitions Specific to Betting on the Outcome of Lotteries

1. “Bookmaker” – Lotto Warehouse Ltd., a company which is officially licensed by the MGA to accept Bets on the outcome of lotteries (license number MGA/CL4/1263/2016). The Bookmaker acts as a bookmaker by determining the odds
2. “Winning Ticket” – a successfully submitted and accepted Winning Ticket for a lottery in respect of the relevant and official draw;
3. “Lottery Bet” – a bet on the outcome of a lottery event with a determinable outcome, for example the result of a lottery offered via the Website;
4. “Lottery Jackpot” – the maximum possible winning at the Operator in respect to the underlying draw of the relevant Prize Category/Prize Categories of the relevant lotteries or the sum thereof;
5. “Lottery Stake” – the sum of money the Player places on a bet in respect of a relevant game and for a certain Virtual Betting Ticket, including any service fees;
6. “Operator” – CROATIA 4D POOLS Limited, owner of the domains
7. “Operator Winning Lottery Bet” – a winning Bet for a Lotto Warehouse powered game, which was successfully submitted directly or indirectly, via Internet, telephone or other channels, and placed by the Operator on behalf of the Player with the Bookmaker, including possible winning Bets introduced through a third party to the Operator and then placed by the Operator on behalf of the Player with Bookmaker.
8. “Prize Category” or “Prize Tier” – the category relates to the amount of numbers correctly matched (including Super Numbers, Stars, Euro Numbers, Powerballs, Megaballs and/or Bonus Balls as applicable) and which result determines the Prize Category in respect of the relevant draw of a certain lottery or a related Bookmaker game;
9. “Virtual Betting Ticket” – the electronic ticket displayed on the Website the compilation of which allows User to place bets on a lottery or lotteries of his choice;
10. “Website” – the Internet portal of the Operator, which is available, and which may refer to other joint or mobile Websites, which are also operated by the Operator within the same or another domain or within the same or another brand, and any subdomains operated by the Operator;

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

1. The User effects an instruction to the Operator to place Lottery Bets with the Bookmaker on their behalf by filling out and submitting a Virtual Betting Ticket on the Website for their chosen Bookmaker Game/s. To settle the Lottery Bet amount the User may either use funds available in his User Account or pay for the Lottery Bet/s by using the chosen payment method during check out.


2. After the User has filled out the Virtual Betting Ticket/s, the Lottery Bet/s will be transferred to the User’s shopping cart. When the User has finished placing bets he may then proceed to the Shopping Cart to effect payment.


3. The User then pays for their Lottery Bet/s by providing their payment details and by clicking on the applicable button in the shopping cart. When the User has a balance in his Account and chooses to settle the Lottery Bet from his balance, the bet amount is immediately deducted from the balance. The system will indicate to the User if there are sufficient funds available in his User Account and whether another payment method is required to be selected or not.


4. The Operator does not offer credit betting and the User must either have funds in the User Account or pay for the bet using the chosen payment method. Should the latter be chosen, the funds will be transferred from the User’s payment method to the User Account, with the bet amount immediately deducted from the User Account.


5. Once any Lottery Bet has been submitted, it cannot be altered or cancelled.


6. The User will then receive an order confirmation which would include details of the Lottery Bet placed. The User may also review the full details of all Lottery Bets placed by logging into their User Account on the Website and clicking on ‘Bet History’ or ‘Active Bets’ as applicable.


7. Depending on the selected Bookmaker game/s, the User may bet for a certain duration, that is place a bet for a certain number of consecutive draws in a week, referred to as “Duration Bets”. Duration Bets may extend automatically. Lottery Stakes for Duration Bets will be debited by pre-payment at the beginning of the relevant duration for all relevant draws for the selected duration.


8. The User may automatically extend Lottery Bets by selecting the “Subscription” option which is available separately for each lottery game. Depending on the selected game the User may then select a period for the automated placing of Lottery Bets for a period ranging from 1 to 52 weeks. After this binding Subscription period, has elapsed, the Lottery Bets are once again renewed automatically for the selected period of Subscription, unless a notice of cancellation is received via the User Account. The cancellation of a Subscription must be received by Operator not later than twenty-four (24) hours prior to the end of the period for automated placing of Lottery Bets. Lottery Stakes for following Subscription bets will be debited by pre-payment for every following period of the Subscription. The Operator will send an email to the User, 30 days prior to the expiration of the binding period of the Subscription in order to remind the User of the automated renewal of the Subscription and to allow the User to cancel the automatic renewal of the Subscription. Should the User not respond to the email or cancel the Subscription from the User Account, the Operator will automatically renew the subscription until further notice from the User.

6) The Operator is authorized to, in its sole discretion, instruct the Bookmaker to void any Bets, whether Active or Settled if:

1. the Operator was instructed to place a Lottery Bet/s after the relevant deadline or after the start of the relevant draw and/or if the Operator incorrectly accepted an instruction to place a Lottery Bet/s on the Website after the relevant deadline or after the start of the relevant draw;


2. the Operator was instructed to place a Lottery Bet by a User who has provided false, incomplete or expired information associated with their User Account or otherwise related to the Website or any the Services available on it;


3. the Operator becomes aware of a genuine mistake in relation to a Lottery Bet or draw and is not able to contact the User to correct the error or confirm the Lottery Bet prior to the deadline;


4. the Operator was instructed to place a Lottery Bet by a User who is involved in any fraud-related activities relating to the placing of the Lottery Bet, the operation of the Player Account or relating to the Website or the services offered by the Operator;


5. the Operator was instructed to place a Lottery Bet by a User who was, at the time of placing the Lottery Bet, less than 18 years old;


6. the User maintains more than one User Account;


7. in conjunction with any draw, fraud and/or technical and/or human error or unwarranted influence was found or;


8. the draw is declared by an organizer or co-organizers of the lottery in question as being invalid.

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)

1. A lottery syndicate is a group of individuals who choose to play the same number combinations together as a group. The Website refers to syndicate games as group games. All winnings from lines played by the syndicate will be shared between all the active members of the syndicate, depending on the amount of shares each individual has.


2. A share refers to the percentage of prize winnings each member of the syndicate is entitled to in syndicate lottery play.


3. Users participating in a syndicate will receive an email directly after each draw informing them of all their winnings. A User can also login to the User Account at any time and check their latest winnings.

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

1. For the avoidance of any doubt, both CROATIA 4D POOLS as the Operator and Lotto Warehouse as the Bookmaker are not lottery operators and do not perform any lottery draw.


2. If the relevant lottery operator makes multiple draws on the same date, then unless otherwise specified by the Bookmaker and/or the Operator, a User's Bet will apply only to the main draw taking place on that date (or, where no main draw takes place, the first draw), under exclusion of any other draw made by the lottery operator in question.


3. If a lottery draw does not take place or no draw result is published or officially announced, all valid Lottery Bets on that draw will stand for the rescheduled draw (or, if there is none, the next available relevant draw).

13) CROATIA 4D POOLS Lottery Bet Winnings

1. The Operator shall pay out winnings as one lump sum. As all Lottery Jackpots and second category prizes of the Operator are insured through a licensed insurance broker in the United Kingdom, such winnings may take up to 90 calendar days for clearance of payment by the insurance broker.


2. A User cannot claim any Winnings or payout/s from the Operator and/or the Operator may at its discretion decide about the validity of a Lottery Bet or a User's entitlement to Winnings or void a Lottery Bet if:
   
   
   
   1. Lottery Bets were placed after the relevant deadline or after the start of the relevant draw;
   
   
   2. Lottery Bets were erroneously accepted after the relevant deadline or if the relevant draw had already begun or taken place;
   
   
   3. The Operator becomes aware of an error in relation to that Lottery Bet or draw and is not able to contact the User to correct the error or confirm the bet before the deadline;
   
   
   4. the Lottery Bet was placed on behalf of a User who has provided false information in connection with their Player Account or otherwise in connection with the Website or the Services available on it;
   
   
   5. the Lottery Bet was placed on behalf of a User who has been involved in any fraud-related activities in relation to the placing of the bet, the operation of the Player Account or otherwise in connection with the Website or the Services available on it;
   
   
   6. the Lottery Bet was placed on behalf of a User who is or was a director, officer, or employee (or their spouse or dependent) of the Bookmaker or of one of the Operator Group companies;
   
   
   7. the User maintains more than one User Account;
   
   
   8. in conjunction with any draw, fraud, technical and/or human error or unwarranted influence was found or;
   
   
   9. the draw is declared by the underlying lottery operator as being invalid.
   
   
3. A winning bet on CROATIA 4D POOLS’s Website will be paid out as if the winner had participated in the underlying lottery. To this effect, applicable Federal, State and City taxes will be applied to the advertised value in each relevant prize category. For lotteries organized in the USA, the net payout of a winning bet will be calculated as if the winner was a resident of New York City, USA. For lotteries organized in Spain, the net payout of a winning bet will be calculated as if the winner was a resident of Barcelona, Spain. For the pan-European lotteries EuroMillions and EuroJackpot, the net payout of a winning bet will be calculated as if the winner was a resident of Zürich, Switzerland and Barcelona, Spain respectively. For all other lottery games, the net payout of a winning Lottery Bet will be calculated as if the winner was a resident of the capital in the country where the lottery is organized.


4. A User with a CROATIA 4D POOLS winning Lottery Bet will be treated equally by means that their winnings will be the same as the Pay Out they would have received, had they bought a Winning Ticket in the underlying lottery instead of placing a Lottery Bet on the CROATIA 4D POOLS Website. If the lottery organizer has not announced a pay out in the respective Prize Category for the relevant draw, the Winnings payable in respect of each CROATIA 4D POOLS winning Lottery Bet in that Prize Category will be calculated by CROATIA 4D POOLS on the basis of the published aggregate amounts paid in for the relevant draw announced by the operators and its allocation to the winning Prize Categories.


5. The winnings payable in respect of each CROATIA 4D POOLS winning Lottery Bet will depend on the number of winning tickets in the relevant prize category in the underlying lottery, the number of CROATIA 4D POOLS winning Lottery Bets in the relevant prize category and the payable Prize by the operators for the winning tickets in the relevant prize category. CROATIA 4D POOLS will calculate this amount on the basis of the amount of aggregate Lottery Stakes published by the operators as well as the distribution to the prize categories or on the basis of the amount published on the website of the operators for the prize categories of the relevant draw. The total of all winnings payable by CROATIA 4D POOLS for the prize categories for a certain draw must never exceed the amount for the relevant draw and might be divided among the winners.
   
   Example 1: There is one CROATIA 4D POOLS winning Lottery Bet in Prize Category 1 and no winning ticket has been announced by the operator in Prize Category 1 in respect of a Jackpot of 40,000,000.00 EUR. The Winnings payable in respect of that single CROATIA 4D POOLS winning Lottery Bet in Prize Category 1 would be 40,000,000.00 EUR.
   
   Example 2: There is one CROATIA 4D POOLS winning Lottery Bet in Prize Category 1 and two winning wickets have been announced by the operator in Prize Category 1 in respect of a Jackpot of 30,000,000.00 EUR. The Winnings payable in respect of that single CROATIA 4D POOLS winning Lottery Bet in Prize Category 1 would be 10,000,000.00 EUR.
   
   Example 3: There are two CROATIA 4D POOLS winning Lottery Bets in Prize Category 1 and no winning ticket has been announced by the operator in Prize Category 1 in respect of a Jackpot of 40,000,000.00 EUR. The Winnings payable in respect of each CROATIA 4D POOLS winning Lottery Bet in Prize Category 1 would be 20,000,000.00 EUR.

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

1. All of the advertised prizes by the relevant lotteries and by the CROATIA 4D POOLS’s Websites, are prizes gross of any relevant federal or state taxes/levies on winnings. Moreover, all advertised prizes by the relevant lotteries , on those lotteries that pay out the advertised prize over a period of years, need to be discounted to the present value in order to account for a one-time payment, instead of payments over a period of years.


2. The Operator reserves the right to offer and advertise a prize higher or lower than the prizes advertised by the relevant underlying lotteries.


3. Only the advertised prizes published are the prizes which will be paid out by the Operator to any CROATIA 4D POOLS winning Users.

16) Commitment to Decisions

1. In the event of a dispute in respect of a Lottery Bet or the payment or awarding of any Lottery Bet winnings, the Operator may withhold payment of the Lottery Bet winnings until any dispute has been fully resolved.


2. Where the Operator makes a final decision, or exercises any discretion referred to above, the Operator may, solely at its discretion, reimburse the sum paid by the User for the relevant Lottery Bet or offer a new Lottery Bet to the User.

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.

XII. BONUSES

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.

1. When using bonus money, you have to complete the wagering requirements in order to make any cashouts of the bonus or winnings by bets using bonus money.


2. If not stated otherwise each offer is valid only during the date it was originally sent.


3. Unless anything else is stated for specific offers, the following wagering requirements applies:
   
   
   • All Casino bonuses will have a wagering requirement of 35 times the sum of the received bonus and the deposit amount.
   • Wagering on most games in casino and live casino will contribute towards wagering requirements but certain games will contribute more than others. The following are the wagering requirements for each individual game type:
     100% - Slots
     0% - Scratchcards, all games that do not fall under slot category, all Live Casino games, all table games, video poker, poker and casino hold’em games.
   
   
4. Individual offers can have different terms, in this case such information shall be made available to the player.


5. Winnings from in-game "free spin" or "bonus" rounds features initiated with bonus funds but completed after the bonus has been wagered, lost or forfeited will be removed and are withdrawable up to 100 EURO (€).


6. The use of bonus funds purely to progress through the bonus stages of games can result in the winnings from the final bonus round(s) voided.


7. The use of bonus funds to win more than twice of bonus received on table games and video poker before changing back to scratchcards with the purpose of completing wagering requirements can result in your winnings being confiscated and account being closed.


8. When playing with bonus money the maximum bet allowed is €6 (or currency equivalent) per game round or €0.50 (or currency equivalent) per line until wagering requirements have been met. This includes double up wagers and gamble features. CROATIA 4D POOLS Limited reserves the right of voiding bets and winnings resulting from bets of larger amounts.


9. Where there is a reasonable suspicion that the account holder has committed or attempted to commit a bonus abuse, either on their own or as part of a group, CROATIA 4D POOLS Limited reserves the right to:
   
   
   • forfeit the bonus allocated to the account holder and any winnings from that bonus, and/or, revoke, deny, or withdraw a bonus offer from the Account Holder, and/or, block an access to particular products, and/or, exclude the Account Holder from any future promotional offers, and/or, terminate the Account Holder’s account with immediate effect.
   
   

3) Bonus wagering

Bonuses granted to the User by CROATIA 4D POOLS are excluded from wagering on the following games:

• Beautiful Bones
• Playboy
• Scrooge
• Untamed Giant Panda,
• All Fishing 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.

XIII. CASINO AND SLOTS JACKPOTS

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.

XIV. MISCARRIED AND ABORTED GAMES

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. CROATIA 4D POOLS, Our suppliers and / or licensors are not liable for any downtime, server disruptions, lagging, or any technical or political disturbance to game play. Refunds may be given solely at the discretion of the management;
2. CROATIA 4D POOLS, Our suppliers and / or licensors accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with the Website or its content, including and without limitation to:
   
   
   1. Delays or interruptions in operation or transmission;
   2. Loss or corruption of data;
   3. Communication or lines failure;
   4. Any site or content misuse;
   5. Any errors or omissions in content;
   
   
3. With regards to casino games, slot games and scratchcards, in the event of a system malfunction all wagers are void;
4. If a lottery draw does not take place or no draw result is published or officially announced, all valid Bets on that draw will stand for the rescheduled draw (or, if there is none, the next available relevant draw).
5. If Your Game miscarries because of a failure of the system, We shall refund the amount wagered in Your Game by crediting it to Your Account or, if Your Account no longer exists, by paying it to You directly, in an approved manner. If You have accrued credit at the time the Game got miscarried, the monetary value of the credit will be paid out to Your Account or, if Your Account no longer exists, it will be sent to You directly, in an approved manner;
6. CROATIA 4D POOLS shall take all reasonable steps to ensure that its computer system enables Your participation in a casino game, slot games, scratchcards and secondary lotteries. If after You have made a wager or bet, game play is interrupted by a failure of the telecommunications system or a failure of Your computer system, the Game will resume as at the exact time immediately before the interruption occurred. If however, such resumption is not possible we shall:
   
   
   
   1. Ensure that the game is terminated;
   2. Refund the amount of the wager to You by placing it in Your Account.

XV. DATA PROTECTION

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)

1. CROATIA 4D POOLS‘s data collection procedures include the collection of User's freely disclosed information as shared with CROATIA 4D POOLS, in addition to the placement of cookies for the purpose of gathering data about the manner in which Users interact with the CROATIA 4D POOLS ’s Website.
2. CROATIA 4D POOLS utilizes Google Analytics, a web analysis service of Google Inc. ("Google"). Google Analytics uses so-called ‘cookies", text files that are stored on Your computer and enable an analysis of Your use of the Website. The information generated by the cookies on the use of the Website (including your IP address) are transmitted and will be stored to a Google server in the USA. Google uses this information to evaluate Your use of the Website, to compile reports on the Website’s activities for CROATIA 4D POOLS and provide additional services connected to the use of the Website and the Internet. It is possible that Google transmits this information to third parties if this is legally required or third parties process this data on behalf of Google. Google shall under no circumstances combine your IP address with other Google data. You can prevent the installation of cookies by setting Your browser software accordingly; however, We advise You that in this case You may not be able to fully use all functions of this Website. By using this Website You agree to all the data collected on You being processed by Google in the manner described above and for the above mentioned purpose.

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.

XVI. COMPLAINTS

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.

XVII. SEVERABILIY CLAUSE

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.