Terms and Conditions
1. GeneralIn these terms and conditions, unless the context requires otherwise, the following expressions have the following meanings:
“Operator” is North Point Management Ltd, a company incorporated in Malta, registration code C 96047, having its registered office at Level G (Level 1/5149), Quantum House, 75 Abate Rigord street, Ta’ Xbiex XBX 1120, Malta.
“Games” are Casino, Live Casino, Sportsbook, Jackpot Games and other games as may from time to time become available on the Website.
“Member Account” is an account opened by You on the Website after accepting and agreeing to the T&Cs.
“T&Cs” are these terms and conditions, any rules specific for individual Games and any other terms and conditions provided by the Operator on the Website or otherwise communicated to You in relation to the Games and/or the Website as amended by the Operator from time to time.
“Website” is the website available at the URL insta.win, including any Mobile version thereof and any related URLs and subdomains of insta.win operated by the Operator.
“You” or “User” or “Customer” is yourself or any other person who, after reading these T&Cs opens a Member Account or makes use of the Website in any way.
1.1 These T&Cs apply to Your usage of the Games and the Website via internet, mobile or through any other platform.
1.2 The Website and the Games are offered by the Operator.
1.3 These T&Cs constitute a binding agreement between You and the Operator.
1.4 The Operator is licensed and regulated in Estonia by the Estonian Tax and Customs Board. This website is operated under the following licences granted by the Tax and Customs Board: activity license no. HKT000055 for games of chance, issued on 14th December 2020; and activity license no. HKT000058 for betting (toto), issued on 27th January 2021; online gambling operating permit no. HKL000344 issued on 4th March 2021 and toto (betting) operating permit no. HKL000345 issued on 8th March 2021.
1.5 These T&Cs come into force as soon as You click on the “CREATE ACCOUNT”, “DEPOSIT & PLAY” or “CONTINUE PLAYING” button to register your Member Account, by doing so You signify to the Operator that You have read these T&Cs and have accepted them. By accessing any part of the Website You signify that You agree with these T&Cs.
1.6 You must read these T&Cs carefully in their entirety before clicking on the “CREATE ACCOUNT”, “DEPOSIT & PLAY” or “CONTINUE PLAYING” button. If You do not agree with any of the provisions of these T&Cs You must not use or continue to use the Website.
1.7 You should fully understand and agree to be bound by the T&Cs contained herein and as may be amended by us from time to time.
1.8 The Operator reserves the right to modify these T&Cs and, thus, to amend this agreement between You and the Operator at any time with or without notice, including but not limited to purposes of prevention of fraud, clarification of the T&Cs or making the same compliant with statutory requirements or as regards changes in Games and bonuses or in the event where the Sportsbook match/event rules have been changed by the organiser. Whenever such amendment shall limit your current rights or otherwise may be to your detriment, we will notify you prior to such changes coming into effect. If you do not agree to the updated T&Cs you must stop using the Website.
1.9 Such amendments will become immediately effective upon being posted on the Website. It is Your sole responsibility to review this Agreement, together with the specific rules for each Game You choose to participate in, in order to remain updated with all amendments each time You play. You can easily identify whether these T&Cs have changed by referring to the version number and the date of the current T&Cs stated on this page.
1.11 Any reference to the Games in this agreement shall refer to Casino, Live Casino, Sportsbook, and other Games as may from time to time become available on the Website. The Operator reserves the right to add and remove Games from the Website at its own discretion.
1.12 These T&Cs are published in a number of languages for information purposes and ease of access by players. It is only the Estonian version that is the legal basis of the relationship between You and the Operator and in case of any discrepancy between the Estonian and the non-Estonian version of these T&Cs, the Estonian version shall prevail.
1.13 If you open or attempt to open more than one account, for whatever reason, the Operator may block or close any or all of your accounts at its discretion. Should the Operator decide to leave one account open, it will be the first account that you opened with the Operator, to which your remaining deposits, if any, will be transferred. The Operator will deduct an administrative fee of 10% (minimum EUR 30) for every other account you opened as well as any other deductions that may apply in accordance with Our T&Cs.
2. Your member account2.1. Registration and opening of Your member account
2.1.1 In order to participate in any of the Games for real money, You must first personally register with the Operator, open a Member Account and place money into Your Member Account in the way stipulated on the Website.
2.1.2 The Operator has the right to appoint payment solution providers to act, receive and/or pay funds on behalf of the Operator.
2.1.3 You are allowed to have only one Member Account on this Website. If You attempt to open more than one Member Account, all accounts You try to open may be blocked or closed. Only one Member Account for each household is allowed. If two or more users share the same household, the Operator must be informed by the users residing in the aforementioned household.
2.1.4 If You notice that You have more than one Member Account under different names, You must notify the Operator immediately.
2.1.5 A request to open a Member Account is made by either
- personally filling out the registration form and submitting it to the Operator online, or
2.1.6 You hereby declare and warrant to the Operator that your personal details linked to your Member Account, in particular, Your first name and last name, personal identification code, Your home address and contact details, including a valid phone number, and relevant payment information are true, complete and correct. It is Your sole responsibility to ensure that the information You provide is true, complete and correct and You hereby declare and warrant to the Operator that the information provided is true, complete and correct. You are hereby notified that the Operator carries out verification procedures, whether itself or through third parties on players performing transactions on their Member Account. You will be requested to provide the Operator with documents, such as a copy of the passport or ID card as well as proof of home address etc if deemed necessary by the Operator in accordance with the relevant requirements and security procedures.
We are under a strict duty as a gambling operator, in accordance with various laws and regulations, to ensure that you are who you claim to be and that the funds that you use to play are your funds and are earned legitimately. We may therefore perform third party searches against your name, compare the personal information you have provided or we otherwise hold against other databases and make such enquiries and request such information and documents as we require to validate your account and the funds being used to play in that account. Failure to provide any information asked of you to enable us to comply with our obligations under such laws and regulations (or providing incorrect information) will result in your account being closed and / or you being reported to the relevant regulatory bodies and authorities.
2.1.7 It is Your sole and exclusive responsibility to ensure that Your login details are kept securely. You must not disclose Your login details to anyone. The Operator is not responsible for any abuse or misuse of Your Member Account by third parties due to Your disclosure, whether intentional or accidental, whether active or passive, of Your login details to any third party.
2.1.8 You are not allowed to transfer funds from Your Member Account to other players or to receive money from other players into Your Member Account, or to transfer, sell or acquire Member Accounts.
2.1.9 The Operator reserves the right to declare a bet void partially or in full if the Operator, at its own discretion, would deem it obvious that any of the following circumstances have occurred:
- the account holder, or people associated with the account holder may directly or indirectly influence the outcome of an event;
- the account holder and or people associated with the account holder are directly or indirectly avoiding the rules of the Operator;
- the result of an event has been directly or indirectly affected by criminal activity;
- the odds of an event have significantly been changed due to a public announcement in relation to the event;
- bets have been placed that would not have been accepted otherwise, but that were accepted during periods when the Website has been affected by technical problems;
- due to an error, such as a mistake, misprint, technical error, force majeure or otherwise (“Error”), bets have been offered, placed and or accepted due to this Error.
2.2.1 You may participate in any Game only if You have sufficient funds on Your Member Account for such participation.
2.2.2 Minimum deposit is 10 euros. You can use any of the deposit methods available to You as specified on the Website and these may be amended from time to time. Please note that some of the methods may not be available in some countries.
2.2.3 Depending on the method selected, deposits can incur charges. Your bank may independently charge You for bank wire transfers and other methods of payment.
2.2.4 We accept payments made in EUR. Any payments received by the Operator in a currency other than the one chosen by You as the currency for Your account will be converted into the currency for Your Member Account at the prevailing exchange rate determined by the Operator. Please note that any exchange premiums are payable by You.
2.2.5 When using a credit or debit card for depositing funds, Your funds only clear when the Operator has received an approval and authorization code. Should the Operator not receive such authorization Your account will not be credited with those funds.
2.2.6 The Operator reserves the right to use additional procedures and means to verify Your identity when effecting deposits into Your Member Account or when you are performing other transactions on Your account. The Operator can carry out additional verification procedures and the identification of the Customer will be checked for any deposit or number of deposits which cumulatively amount to or exceed the equivalent of EUR 2,000 and reserves the right to carry such verification procedures in case of lower deposits. All transactions will be checked to prevent money laundering and terrorist financing.
2.4.7 Pay-outs are processed in a very quick & efficient manner, in a time not exceeding 72 hours. This starts once the pay-out has been approved by the Payments Department. Before the initial pay-out is processed, the client may be required to upload an electronic copy of a passport or national ID in the Profile section. The Operator, at its own discretion, may ask the client for additional documents prior to this.
Remember that forgery is severely punished by law and in cases of suspicion of placing a counterfeit or an edited copy of the documents by electronic methods, The Operator reserves the right to send such documents to the appropriate regulatory authorities.
2.2.7 The Operator does not grant any credit for the use of its services.
2.2.8 Credit balances in Your Member Account will not bear interest and you shall not treat the Operator as a financial institution.
2.2.9 You agree that the funds deposited in Your Member Account must only be used for playing the Games. The Operator reserves the right to charge a fee should you request a withdrawal without a Member Account turnover that is equal or more than the amount of funds deposited.
2.3.1 When the outcome of a Game You participate in becomes determined or, where applicable, the Operator has confirmed the relevant result of an event and settled the markets, all winnings will be available on Your Member Account.
2.3.2 If the Operator mistakenly credits Your Member Account with winnings that do not belong to You, whether due to a technical or human error or otherwise, the amount will remain property of the Operator and the amount will be transferred from Your Member Account. If prior to the Operator becoming aware of the error You have withdrawn funds that do not belong to You, without prejudice to other remedies and actions that may be available at law, the mistakenly paid amount will constitute a debt owed by You to the Operator. In the event of an incorrect crediting, You are obliged to notify the Operator immediately by email.
2.4 Withdrawals from Your Member Account
2.4.1 You may withdraw any amount up to the "Available to Bet" balance in Your Member Account by issuing the Operator with a valid notice of withdrawal on the Website.
2.4.2 For Your protection in any twenty-four hour period You may only withdraw the maximum amount of Euro 50,000 unless a larger amount has been agreed by prior arrangement.
2.4.3 Withdrawals from your Member Account are made using the same method as was used for the deposit. Withdrawals can incur charges depending on the method selected. In addition, Your own bank may independently charge You for bank wire transfers or apply handling charge. These charges may vary over time.
2.4.4 The Operator may request identification documents for all withdrawals and perform enhanced due diligence in respect to withdrawal of funds not used for wagering.
2.4.5 The Operator can carry out additional verification procedures and the identification of the Customer will be checked for any withdrawal or number of withdrawals which cumulatively amount to or exceed the equivalent of EUR 2,000 and reserves the right to carry such verification procedures in case of lower withdrawals. All transactions will be checked to prevent money laundering and terrorist financing.
2.4.6 The Operator reserves the right to require 1x wagering of the amount equivalent to the previous deposit before accepting a withdrawal request.
2.5 Closing Your Member Account
2.5.1 You may close Your account at any time and the Operator will return to You any and all funds from Your Member Account subject to the deduction of relevant withdrawal charges. To close Your Member Account, You must first cancel any offers for stakes that You have made that remain outstanding. You must then contact customer care and clearly request the closing of your Member Account.
2.5.2 The method of repayment will be at our absolute discretion.
2.5.3 The Operator reserves the right to close Your Member Account and to refund to You the "Available to Bet" balance, subject to the deduction of relevant withdrawal charges, at the Operator’s absolute discretion.
2.5.4 If You do not access or log onto Your Member Account for a period of one (1) year, your Member Account may become an Inactive Account. Further details on this can be found below in Inactive Accounts section.
2.5.5 The Operator reserves the right to withhold and remove any bonuses awarded to you if such bonuses have not been used within 6 month from the date when they were awarded.
2.6 Inactive Accounts
An inactive account is an account that has not been accessed or logged in to for an uninterrupted period of 12 months, that has a real money balance.
The Operator will contact you should your account become inactive. If, after 12 months since last login, we are unable to contact you, the Operator will charge a EUR 5.00 per month administrative fee on your account and shall use reasonable efforts to contact you. Once your Account balance reaches zero, the administrative fee will no longer be charged.
If, after the Operator have begun charging your account with the Administrative Fee, and you start playing on your account, the Operator will refund to your account the administrative fees charged provided less than six months have passed from the moment the administrative fee for a given month was deducted from your Member Account.
To recover funds from inactive, closed, blocked or excluded accounts, You need to contact customer care with the relevant request.
Deposit bonuses, risk free bets, free spins and any other bonuses can only be received ONCE per person/account, family, household, address, e-mail address, credit card number, IP addresses and environments where computers are shared (university, fraternity, school, public library, workplace, etc.). The Operator reserves the right to close Your account and confiscate any existing funds if evidence of abuse/fraud is found.
3. Your obligations as a player3.1 Declarations and Warranties
You hereby declare and warrant that:
3.1.1 You are at least 18 years of age for purpose of playing Sportsbetting or at least 21 years of age for purpose of playing Casino, Live Casino and Jackpot Games and, under the laws applicable to You, You are allowed to participate in the Games offered on the Website.
3.1.2 You will use the Website and your Member Account solely and exclusively for the purpose of Your genuine participating in the Games and not for any financial or other operations. Your participation in the Games will be strictly in Your personal non-professional capacity for recreational and entertainment reasons only;
3.1.3 You participate in the Games on Your own behalf and not on behalf of any other person;
3.1.4 All information that You provide to the Operator during the term of validity of this agreement is true, complete, and correct, and that You shall immediately notify the Operator of any change of such information;
3.1.5 You are solely responsible for reporting and accounting for any taxes applicable to You under relevant laws for any winnings that You receive from the Operator;
3.1.6 Funds that You deposit into Your Member Account are not tainted with any illegality and, in particular, do not originate from any illegal activity or source;
3.1.7 You understand that by participating in the Games You take the risk of losing money deposited into Your Member Account;
3.1.8 You shall not be involved in any fraudulent, collusive, fixing or other unlawful activity in relation to Your or third parties’ participation in any of the Games and shall not use any software-assisted methods or techniques or hardware devices for Your participation in any of the Games. The Operator hereby reserves the right to invalidate or close Your Member Account or invalidate Your participation in a Game in the event of such behaviour;
3.1.9 In relation to deposits and withdrawals of funds into and from Your Member Account, You shall only use financial instruments that are valid and lawfully belong to You.
3.1.10 The computer software that we make available to You is owned by the Operator or other third Parties and protected by copyright and other intellectual property laws. You may only use the software for Your own personal, recreational uses in accordance with all rules, T&Cs hereby established and in accordance with all applicable laws, rules and regulations.
3.1.11 Games played on the Website should be played in the same manner as games played in any other setting. You shall be courteous to other players and representatives of the Operator and shall avoid rude or obscene comments, including in chat rooms.
3.1.12 The right to access and/or use the Website may be considered illegal in the jurisdiction or country which You are located in. The Operator does not intend to enable You to contravene applicable law. You are responsible for any gaming activity and You are also responsible for ensuring that You are not contravening any law or legislation prohibiting gaming online. Before accessing and using the Website in any jurisdiction you should consult legal expertise in the jurisdiction You are located. As national laws are subject to change, You are personally responsible for keeping up to date with any changes made to legislation.
4. Responsible gaming4.1 You may at Your discretion choose to exclude Yourself from playing any Games on the Website. In order to block Your access to the Games You must submit an application via email to Customer Support at [email protected].
4.2 Should You opt for self-exclusion from the Website in the manners contemplated above then You will not be able to log in to the insta.win account during the exclusion period.
4.3 Any self-exclusion request applied for would be valid for insta.win only and does not include other sites operated by the Operator or other third party operators.
4.4 You may also self-exclude yourself from playing with any operator (land-based or online) licensed in the Republic of Estonia by submitting an application to be registered in the List of Persons With Restrictions on Gambling (in Estonian: hasartmängu mängimise piirangutega isikute nimekiri or HAMPI nimekiri). Further information on the HAMPI list self-exclusion and how to apply can be found here.
Should you submit your application for HAMPI list self-exclusion to us we will forward the same to the Estonian Tax and Customs Board without delay.
4.5 By submitting an application via email to Customer Support , You may also choose to impose a ceiling on the maximum deposits made on the Website. The limit will block deposits if the net deposit limit (deposits minus withdrawals) on insta.win Website has been exceeded for the selected time period.
4.6 By submitting an application via email to Customer Support, You may also choose to impose a ceiling on the amount You can wager on the Website within a given period of time. The limit will block any bets on insta.win Website that will result in the limit being exceeded. For all Games, the bet amount will be calculated as the amount wagered on the bet. The limit will take into consideration Bonus Money as well as Real Money.
4.7 By submitting an application via email to Customer Support, You may also choose to impose a ceiling on the maximum amount of funds that You are ready to lose on the Website. The loss limit will block any bets on insta.win Website that would result in the limit being exceeded.
4.8 By submitting an application via email to Customer Support, You may also choose to set a time limit per session. The limit will result in You being notified that the limit has been reached and You will be prompted to either continue or logout.
4.9 Any notice from you, whether given in writing or electronically, regarding application of self-exclusion on the Website or introducing a wagering or loss limit on you or rendering the same more stringent shall be enforced immediately you receive written confirmation from the Operator. Any notice from you increasing or revoking a loss or wagering limit on the Website shall have effect only after seven (7) days from when such notice is received.
5. Special rules5.1. Certain provisions laid down in this section refer to the rules, terms and contractual provisions for specific games, which are found in a separate link from this page. The rules linked to from this page form an integral part of these T&Cs. You shall be deemed to have accepted the special rules upon clicking the “CREATE ACCOUNT”, “DEPOSIT & PLAY” or “CONTINUE PLAYING” button on this page.
5.2.1 Insta.Win Casino is operated by the Operator while the actual Casino Games software is provided by various Game software suppliers. Information about the Game software supplier is available in the Game instructions. The Operator is authorised to promote and market Casino Games supplied by respective Game software suppliers, to offer You access to those Casino Games and enable You to transfer funds from/to your Member Account to/from those Casino Games. Casino Game software suppliers remain responsible for the fairness of the Casino Games and services offered via the Games towards the Operator.
5.2.2 Read the game instructions for individual Casino games as well as Casino bonuses here.
5.4 Live Dealer Games
5.4.1 Live Dealer Games are operated by the Operator and powered by different game software providers. Information about a specific game software provider is given in the specific game description. The Operator is authorised to promote and market the Live Dealer Games, to offer You access to those Live Dealer Games and enable You to transfer funds from/to your Member Account to/from the Live Dealer Games. The game software provider remains responsible for the fairness of the Live Dealer Games and services offered via the Live Dealer Games towards the Operator. Live events are broadcasted from different countries.
5.4.2 Read the game rules for individual Live Dealer games here.
5.5 Jackpot Games
5.5.1 In some Casino Games offered on the Website it is possible for players to win additional prizes since in those Games, every time the Game is played, a portion of the bet is added to the prize fund (Jackpot) (“Jackpot Games” or “Additional Games of Chance”).
5.5.2 Jackpot wins are subject to verification by the Operator and the respective Game software supplier. All decisions made by the Operator and the Game software supplier in this regards are final.
5.5.3 If the communication between the Casino and Jackpot server fails, the Game becomes unavailable. No contributions or claims towards the Jackpot are accepted in that case.
5.5.4 Jackpots are paid out in such amounts as the Jackpot value registered on the Casino server when the Jackpot is won. Every effort is made to ensure that the Jackpot value displayed in the Game is the same as the one on the Casino server.
5.5.5 The Jackpot counter might be displayed in a currency other than what you are playing in. If you win a Jackpot and are playing Casino Games in a different currency, the amount won is converted into the currency that you play in and credited to your Account.
5.5.6 Jackpot cannot be won when playing the Game in “Play for Fun” mode.
7. Complaints7.1 If You have a complaint, You can:
7.1.1 Use the Live Chat function on the Website
7.1.2 E-mail customer support on [email protected].
7.2 The Operator will revert back to the players within 24 hours, and will use best efforts to resolve a reported matter promptly.
7.3 If You have a query with regard to any transaction, You may also contact the Operator at [email protected] with details of the query. We will review any queried or disputed transactions. Our judgment is final.
7.4 If for some reason You are not satisfied with the resolution of Your complaint by the Operator, You can complain to the Tax and Customs Board:
E-mail: [email protected]
8. Miscarried and aborted games8.1 The Operator is not liable for any downtime, server disruptions, lagging, or any technical or political disturbance to the Game play. Refunds may be given solely at the discretion of the management.
8.2 The Operator shall accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with Website or its content; including without limitation, delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the site or its content or any errors or omissions in content.
8.3 In the event of a Casino system malfunction all wagers are void.
8.4 In the event a Game is started but miscarries because of a failure of the system, the Operator shall refund the amount wagered in the Game to You by crediting it to the Your Member Account or, if the account no longer exists, by paying it to You in an approved manner; and if You have an accrued credit at the time the Game miscarried, credit to Your Member Account the monetary value of the credit or, if the account no longer exists, pay it to You in an approved manner.
8.5 We shall take all reasonable steps to ensure that if Your participation in a game is, after You have made a wager, interrupted by a failure of the telecommunications system or a failure of Your computer system that prevents You from continuing the game, then our computer system enables you to resume, on the restoration of the system, your participation in the game that was interrupted as at the time immediately before the interruption. If Our computer system does not enable You to continue, after the restoration of the system, with a Game interrupted by a failure of the telecommunications system or the player’s computer system, We shall:
(a) ensure that the Game is terminated; and
(b) refund the amount of the wager to You by placing it in the Your Account.
9. Limitation of liability9.1 You enter the Website and participate in the Games at Your own risk. The Website and the Games are provided without any warranty whatsoever, whether express or implied.
9.2 Without prejudice to the generality of the preceding provision, the Operator, its directors, employees, partners and service providers:
9.2.1 do not warrant that the software or the Website is/are fit for their purpose;
9.2.2 do not warrant that the software and Website are free from errors;
9.2.3 do not warrant that the Websites and/or Games will be accessible without interruptions;
9.2.4 shall not be liable for any loss, costs, expenses or damages, whether direct, indirect, special, consequential, incidental or otherwise, arising in relation to Your use of the Websites or Your participation in the Games.
9.3 You hereby agree to fully indemnify and hold harmless the Operator, its directors, employees, partners, and service providers for any cost, expense, loss, damages, claims and liabilities howsoever caused that may arise in relation to Your use of the Website or participation in the Games.
10. Anti-money laundering reporting10.1 The Operator complies with the Prevention of Money Laundering and Terrorist Financing Act and Regulations issued thereunder. The Operator shall report any suspicious transaction to the relevant competent authorities in Estonia.
10.2 If You become aware of any suspicious activity relating to any of the Games of the Website, You must report this to the Operator immediately.
10.3 The Operator may suspend, block or close Your Member Account and withhold funds if requested to do so in accordance with the Prevention of Money Laundering and Terrorist Financing Act.
11. Breaches, penalties and termination11.1 If You breach any provision of these T&Cs or if the Operator has reasonable grounds to suspect that You have breached them, the Operator reserves the right not to open, suspend or close Your Member Account, or withhold any money in your Account (including the deposit) and apply such funds on account of any damages due by You.
11.2 If the Operator suspects that You are engaged in illegal or fraudulent activities when using the Website; or in breach of this Agreement; or that You are having problems with creditors or otherwise detrimental to our business, we may freeze or terminate Your account or cancel any stakes at our absolute discretion.
11.3 You acknowledge that the Operator shall be the final decision-maker of whether You have violated the T&Cs in a manner that results in the Operator’s suspension or permanent barring from participation in our site.
12. Intellectual property12.1 The Operator or its group companies are the sole owners of the trademark Insta.Win and the Insta.Win logo. Any unauthorised use of the Insta.Win trademark and the Insta.Win logo may result in prosecution.
12.2 insta.win is the uniform resource locator of the Operator and no unauthorised use may be made of this URL or its derivatives (including m.insta.win) on another website or digital platform without our prior written consent.
12.3 The Operator is the owner or the rightful licensee of the rights to the technology, software and business systems used within this Website.
12.4 The contents and structure of the Operator's Website pages are subject to copyright © and database right in the name of North Point Management Ltd. All rights reserved. The copyright in this Website including all text, graphics, code, files and links belongs to the Operator and the site may not be reproduced, transmitted or stored in whole or in part without our written consent. Your registration and use of our system does therefore not confer any rights whatsoever to the intellectual property contained in our system.
12.5 Links to the Website and any of the pages therein may not be included in any other website without the prior written consent of the Operator.
12.6 You agree not to use any automatic or manual device to monitor or the Operator web pages or any content therein. Any unauthorised use or reproduction may be prosecuted.
13. Severability13.1 If any provision of these T&Cs is held to be illegal or unenforceable, such provision shall be severed from these T&Cs and all other provisions shall remain in force unaffected by such severance.
14. Assignment14.1 The Operator reserves the right to assign or otherwise lawfully transfer this Agreement (inasmuch this is allowed under applicable law). You shall not assign or otherwise transfer this Agreement.
15. Entire Agreement and Admissibility15.1 The T&Cs constitute the entire agreement between You and the Operator with respect to this Website and save in the case of fraud it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between You and the Operator with respect to this Website.
15.2 A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
16. Chat16.1 As part of your use of the Website the Operator may provide You with a chat facility, which is moderated by Us and subject to controls. We reserve the right to review the chat and to keep a record of all statements made on such facility. Your use of the chat facility should be for recreational and socializing purposes, and is subject to the following rules:
16.1.1 You shall not make any statements that are sexually explicit or grossly offensive, including expressions of bigotry, racism, hatred or profanity;
16.1.2 You shall not make statements that are abusive, defamatory or harassing or insulting to the representatives of the Operators;
16.1.3 You shall not make statements that advertise, promote or otherwise relate to any other online entities.
16.1.4. You shall not make statements about Operator, the Website, or any other Internet site(s) connected to Operator that are untrue and/or malicious and/or damaging to Operator.
16.1.5 You shall not collude through the chat rooms or separate chat. Any suspicious chats will be reported to the competent authority.
16.2 In the event You breach any of the above provisions relating to the chat facility, the Operator shall have the right to remove the chat room functionality or immediately terminate Your Player Account. Upon such termination the Operator shall refund to You any funds which may be in Your Player Account over and above any amount which may be owing to Us at such time (if any).
17. Applicable law and jurisdictionThese T&Cs are governed by the laws of the Republic of Estonia and the parties submit to the jurisdiction of the Harju County Court.