Terms and Conditions

1.1 winmasters is a brand name of WM Interactive Limited (Cyprus), a company registered in Cyprus, having its registered office at Kosta Anaxagora 21, 5th floor, Flat/Office 501B, Strovolos, 2014, Nicosia Cyprus, with company registration number AE3060 and is regulated under license number No. B005 issued on May 25^th 2018 by the National Betting Authority of Cyprus (“NBA”).”. The operating website is www.winmasters.com.cy. Any reference to “the Company” or “ winmasters ” or “We” means of winmasters website and WM Interactive Limited.

1.2 “ winmasters T&Cs” are the terms & conditions constituting and governing the contractual relationship, as stated herein, and which the parties, as stated herein, hereby agree upon. winmasters T&Cs are available in several local languages for information purposes and ease of access between players. In any case of a dispute between a Client and the Company or in case of a discrepancy between the Greek version and non-English versions, only the Greek version shall prevail.

1.3 A "Client" is an individual who enters into a contractual relationship with winmasters for the use of the Services and who has personally registered with winmasters and holds a winmasters Account, upon having satisfied the criteria detailed in clause 2 below. Any reference to “You” or “Player” or “User” or “Customer”, means the “Client” as described above.

1.4 A " winmasters Account" is an account held by a Client, for bona fide transactions, with a strict aim to establish a normal commercial relationship with winmasters and with the strict purpose of conducting betting and other gaming and gambling transactions.

1.5 The "Contract" is the contractual relationship between winmasters and a Client and shall be constituted under and governed by the winmasters T&Cs i.e. "the Terms and Conditions". Any use of the services offered, registration on the website and all bets accepted by winmasters are subject to these Terms and Conditions. Any changes to the Terms and Conditions are applicable post approval from the NBA and will be notified to players in advance and the player must re-confirm acceptance, before changes come into effect. Any reference to “T&C” means the “Terms and Conditions” of this document.

1.6 The "Governing Authorities" are the authorities of Cyprus.

1.7 These T&Cs are governed by the Laws of Cyprus and the Cypriot Legal framework and parties submit to the jurisdiction of the Cypriot courts.1.8 The "Place of the Contract" is Cyprus.

1.9 The "Website" is the internet gateway, accessible through the internet address www.winmasters.com.cy, where all current and relevant information regarding winmasters' operation is published.

1.10 A "Card" refers to all types of cards with a function of "payment", "charge", "debit", "credit", "virtual" and/or similar.

1.11 A "Payment Solution Provider" is an intermediary acting as a payment agent.

1.12 A "Financial Institution" is a bank and/or other institution regulated by an applicable domestic financial services act or similar.

1.13 "Client Application" shall mean the web browser application opened by the Client in order to use the Services.

1.14 The "Services" are the gaming and betting offers provided by winmasters to the Client through the Website.

1.15 "Force Majeure" refers to any occurrence or condition beyond one's reasonable control which leads to a delay or default in the performance to the affected party's contractual obligation and shall, for the purposes of the winmasters T&Cs, include Acts of God, Government restrictions (including the denial or cancellation of any necessary license where such denial or cancellation is made through no fault of the affected party), wars, insurrections and/or any other cause beyond the reasonable control of the party whose performance is affected.

1.16 All trademarks, service marks and trade names as well as images, graphics, text, concepts or methodologies (collectively the “Intellectual Assets”) found on the Website, the Client Application and the material contained therein are the exclusive property of winmasters and/or winmasters’ suppliers and partners. The Client is not entitled to exploit or otherwise use any Intellectual Asset for whatever purpose, except for what is allowed by law.

1.17 These T&C come into force as soon as you click on the “ACCEPT” button, by doing which you signify to the company that you have read these T&C and accept them. By using any of the Website you signify that you agree with these T&C.

1.18 You must read these T&C carefully in their entirety before clicking on the “ACCEPT” button. If you do not agree with any provision of these T&C you must not use or continue to use the Websites.

1.19 Rules and explanations for placing various types of bets on various events provided separately on the Website are incorporated into these T&C by reference.

1.20 Access to winmasters. com.cy services is only allowed to residents of Cyprus.

2.1 An individual applying for registration warrants and represents that any information provided in its application form is true and correct. In order to register the client must provide at least the following personal data and information:

a) Name and surname

b) Citizenship/Nationality

c) Date and place of birth

d) Valid e-mail address

e) A personal bank account for money transfer and/or proof of payment method

f) Phone number

Full name, email, residence address and phone number must be real and verifiable. If the Company becomes aware that a user has provided false information, the Company shall not register such person and where the person has already registered, the Company shall immediately cancel the person’s registration as a user with the Company. If the Company becomes aware that a user has more than one accounts opened, the Company shall immediately close down accounts.

Important notice: Name, username and currency cannot be changed post account creation.

In order for the Client to request withdrawals, remove all initial limitations and have full rights in the promotions, the account must be verified. For the account verification winmasters will request the following details (Know your Customer procedure):

• Client’s ID for age verification (players under eighteen (18) years of age are not accepted)

• Client’s place of residence (utility bill indicating the declared land line phone number)

• Client’s valid e-mail address (cannot be the same as any existing Client’s email address)

• Client’s proof of ownership of the payment method used for funds deposit in winmasters (including credit card number, expiry date),

In case the Client has changed place of residence, telephone number or any other element of his data, he/she is obliged to immediately inform the Company, so the new data can be updated. The Company is obligedto close a Betting Account should any information prove to be false or misleading as a result of verification mechanisms employed by the Company.

Client details are reviewed by the team to ensure their accuracy and in certain cases further proof of address and identity might be requested, particularly in cases where the customer becomes active. Certain customers are highlighted automatically as higher risk customers and can by default not make deposits automatically into the system. Such customers are assigned a higher risk level based on a number of parameters, including but not restricted to: country of residence, country of issuing credit card, IP log, number of transactions within a defined period etc.

In such case all winnings, bonuses and free bets along with winnings deriving from the usage of freebets and bonuses through multi accounts, will be deducted.

2.2 An individual applying for a winmasters Account acknowledges and accepts:

• All definitions and stipulations, as stated under “T&C” and/or herein

• The “T&C” as currently published on the website, as well as any possible future changes

• He/she must maintain the account details up-to-date;

• That the Place of the Contract is Cyprus;

• That the Contract is governed by:

- The winmasters T&Cs, as published in Greek;

- Any regulatory provisions or other decisions made from time to time by the Governing Authorities;

- The Governing Law of the Place of the Contract;

• winmasters accepts no responsibility for users that use the Company’s services and come from jurisdictions where online gambling is totally or partially restricted or even considered as illegal.

• winmasters customer support is available in several local languages. In any case of a dispute between a Client and the Company, only the English version shall prevail.

2.3 winmasters reserves the rightto:

• Decline to open a winmasters Account and/or to close an existing winmasters Account, with proper explanation that will be sent to the Players and the National Betting Authority, and contractual obligations already made will be honored;

• Decline to accept or limit deposits without any explanation whatsoever;

• Suspend Client’s account and/or cancel the participation of a Client in promotional activities, competitions or other services, whenever winmasters is of the opinion that there are legitimate concerns that an account is, has been or may be used for illegal, fraudulent or dishonest practices. A proper justification for the Account suspension will be sent in written to the Client.

• To hold and manage client funds only through payment service providers, to transfer funds between the "company" and payment service providers that are assigned to hold funds in the name of the "company" and for the benefit of the Customer.

• Decline a payment/withdrawal request, in the event that, directly or indirectly, the “T&C” have been violated and/or other unauthorized activities have occurred in connection with a betting event and/or the operation of a winmasters Account. This is subject to any of the said events being in connection with the winmasters Account and/or the claim in question.

• Suspend and/or cancel the participation of the Client in the Services, and/or forfeit and/or confiscate funds available on his/her Client Account if the Client is found cheating, or if it is determined by the Company that the Client has employed or made use of a system (including machines, robots, computers, software or any other automated system) designed or suitable to defeat the Client Application, and/or the software used to offer the Services

• Hold or charge any Payment method fees or expenses, from the Client’s account, for all previous deposits and withdrawals, plus any administrational or legal costs the Client provoked for any reason, whenever winmasters is of the opinion that there are legitimate concerns that an Account is, has been or may be used for illegal, fraudulent or dishonest practices.

• In case of a possible refunding to the client in regards to the above mentioned cases, the maximum refund is limited to the last deposit minus the deposit and withdrawal fees.

In all cases of funds deduction, a written justification will be provided by winmasters to the Player, as well as to the National Betting Authority.

2.4 winmasters does not accept clients:

• Being minor to 18 years old or the age at which gambling is legal under any law that applies to the Client (whichever is the greater);

• Being residents of the following jurisdictions: Afghanistan, Angola, Australia, Belgium, Bulgaria, Bosnia and Herzegovina, Denmark, Estonia, France and its outlaying territories, Greece, Guyana, Iran, Ireland, Iraq, Israel, Italy, Laos People’s Democratic Republic, Lithuania, Mexico, North Korea, South Korea, Papua New Guinea, Singapore, South Africa, Spain, Gibraltar, Syria, Turkey, United Kingdom, Scotland, Isle of Man, United States of America and its territories, Aruba, Bonaire, Saba, Statia, St. Maarten, Netherland, Uganda, Vanuatu.

• Working or contracted with any legal entity which is part of the same group as winmasters, meaning other entities being, directly or indirectly, linked with WM Interactive Ltd., or with winmasters ’ third party suppliers;

• Partners, significant shareholders, members of the management team and the licensed gambling organizer’s control body, the owner or lessee of the premises used for games of chance and the gambling operator's employees cannot participate at the game of change organized by the legal person with whom they have an interdependency relationship. Members from gaming regulating bodies under which winmasters holds an active gaming license cannot participate at the games of chance operated by private legal persons.

• Being professional punters, betting syndicates, traders, professional athletes and players wagering for the sole scope to take advantage of “inside” information.

2.5 winmasters warrants and represents, at all times, to:

• Manage data regarding a Client in accordance with applicable laws, data protection acts and/or similar;

• Protect privacy and personal data and refuse to disclose such data unless the Regulatory body of the Governing authorities requests so.

2.6 The Company accepts no responsibility for any Betting Duties or taxes arisen by the local authorities of the Client’s territory. Such duties or taxes are paid exclusively by the Client. If the Client refuses to pay such amounts, the Company has no liability whosoever.

2.7 A winmasters Account is opened, held and settled in Euro (€) as agreed between winmasters and a Client. All amounts displayed relating to wagers and winnings shall be quoted with the symbol of the currency so agreed to. winmasters calculates and settles all matters involving exchange rates in accordance with recognized financial institutions at currently applicable exchange rates. Slight differences may occur between the agreed amounts and the recorded amounts due to variances between exchange rates.

2.8 winmasters does not constitute a financial institution and a winmasters Client account does not accrue interest. Even if an account is being suspended for any reason, the Client is not eligible to any interest at the time his/her funds will be released.

2.9 A Client is liable towards the Company against any damage caused due to fraud actions. In such case, the Company is eligible to inform the authorities of the country of origin of the client and create a legal case against the fraudster. All of the Clients’ personal data may be publicly announced and shared to prevent further fraud damages.

2.10 Only one winmasters Account can be opened at a time per person, family, household, IP address and email address. In the event that we suspect that:

• A Client is opening multiple accounts (using same or similar names, address, telephone, e-mails, same or similar dynamic IP address, computers or other devices); and/or

• A Client is acting as a part of syndicate (using same or similar names, address, telephone, e-mails, same or similar IP address, computers or other devices, acting on same or similar pattern);

winmasters reserves the right to block the relevant Account(s) held by the Client or the Syndicate and report the incident(s) to the relevant Authorities. Following an internal investigation, winmasters has the right to cancel bets, forfeit winnings, and deduct bonuses from all relevant accounts. winmasters also obliged to reallocate all the funds in the different superfluous winmasters Accounts to a single winmasters Account and to delete the remaining superfluous account(s). Any bonus given to the superfluous winmasters Account(s) will not be transferred.

2.11 It is prohibited for Players to sell, transfer and/or acquire winmasters accounts to/from other Players.

2.12 It is prohibited for Players to transfer funds amongst Player accounts.

2.13 winmasters shall not make any payment out of a Client’s account until the identity, age, place of residence and all data of the Client have been successfully verified.

2.14 Any claim regarding a transaction in conjunction with awinmasters Account shall be made to winmasters within 6 years after the transaction, payment and/or settlement took place, unless the Account is Inactive.

2.15 Any legal claim or dispute arising under or in connection with the Contract shall be settled in accordance with the Governing Law of the Place of the Contract.

2.16 The Client shall not share his/her login details with any third party. The customer is solely responsible for browser settings remembering username and/or password that might drive to a common use of his account. The customer accepts full responsibility for the consequences of allowing such activity, without derogating from the generality of any other indemnity contained herein, indemnifies and certifies that winmasters does not bear any responsibility for any damages caused by this activity. Any losses due to this shall not be refunded by winmasters and we shall not be responsible in any manner whatsoever. Regarding this, we strongly advise you to pay attention to our Privacy Policy which you should read carefully along with these T&C.

2.17 An “Inactive Account" is a winmasters Account which has no record of any log-in and/or log-out for 12 consecutive months and which holds funds. A “Dormant Account” is a winmasters Account which has no record of any log-in and/or log-out for 24 consecutive months and which holds funds. In the case of an Inactive Account winmasters will notify the Client via email at his/her registered email address at least 30 days prior to any fees incurred by the Client, informing him/her that an Inactive Account fee may be charged to his/her account and will provide the Client with the option to withdraw any remaining funds held in the account in order not to incur such fees. If such notification proves unsuccessful, winmasters reserves the right to withhold all bonuses given, plus charge the Client a maximum of EUR 5 or equivalent in other currencies for every consecutive month ever since as a “administrative fee”. If no more funds are standing on the account of the Client, winmasters shall not continue charging the processing fee. winmasters shall continue to use reasonable efforts to contact you throughout once your account becomes dormant and if all reasonable efforts to contact you prove futile, the account will be disabled and the user can no longer log in. In such case, where the client cannot be contacted and be informed, the remaining funds on his/her account will be transferred to an NBA account

2.18 Users only have access to the public web server and only HTTP/HTTPS protocols are allowed. A user is not permitted to participate in the games offered by the Company unless that user is registered and holds an account with the Company. User needs to register and supply the minimum required information of age, identity, residence and valid email address. A user is verified that the email they give at registration is valid and owned by the registering user; by sending a unique activation code to that email address. The account will not be active before that activation code has been entered.

2.19 If an account is not activated within two weeks (meaning that the player have not been logged in via the activation link , which is sent directly and after the registration of the player, through e-mail on the e-mail address that the player have declared on the registration form) , the account will be disabled and the user can no longer use the activation code to activate his account. The only way a user can activate an account that has not been activated within these two weeks is by contacting customer service department.

2.20 The winmasters Website works by using cookies for the following purposes:

• To identify the Client's preferred language so it is automatically selected when the Client returns to winmasters ;

• To ensure that bets placed by the Client are associated with the Client's betting coupon and account;

• To ensure that the Client receives any bonuses the Client is eligible for;

• For analysis of winmasters Website traffic so as to allow us to make suitable improvements. Please be aware that it is not possible to use the Website without cookies.

2.21 You may close Your winmasters Account at any point in time by sending an email at support@winmasters.com.cy with the relevant request on the subject line “Permanent closure of user account” or alternatively use the Self-Exclusion functionality (under “Responsible Gaming” for logged users) and select “Exclude me permanently”. The Company shall refund to You any and all funds from Your winmasters Account subject to the deduction of any withdrawal charges which may apply. You shall continue to assume all responsibility for all activity on Your winmasters Account until this has been closed.

2.22 The Company reserves the right to reject or limit bets and to terminate and/or, change any games or events being offered on the Website, if there is an obvious mistake on the price or there are evidence of fixed game or fraudulent behavior. In such cases winmasters reserves the right to void bets, prior to the start of the event.

2.23 There might be situations were a wager is confirmed or a payment is performed by us in error, or where pay tables, odds or gaming software are not correctly set, whether in error or as a result of technical or operational issues. In all these cases, the Company reserves the right to cancel all wagers accepted containing such an error or to correct the mistake made re-settling all the wagers at the correct prices/ terms that should have been available at the time that the wager was placed in the absence of the error.

3.1 Deposits to, and withdrawals from, a winmasters Account shall at all times be made through a Financial Institution or a Payment Solution Provider. Procedures, terms and conditions, availability and timing for deposit/withdrawal may vary from time to time, as well as between different countries and different Financial Institutions. All deposits made to winmasters should not be a product of any illegal activity or criminal action. Any attempt for money transfer or laundering is strictly prohibited.

3.2 winmasters shall not make a payment out of a winmasters Account of any Client until the Client's identity, age and place of residence have been verified. winmasters reserves the right to request the completion of the KYC (Know Your Client) process right after the first deposit to the winmasters Account.

3.3 In order to use the Services, You will be required to send money to and may require receiving money from winmasters . We may use third-party electronic payment processors and/or financial institutions ('PSPs') to process such financial transactions. You irrevocably authorize us, as necessary, to instruct such PSPs to handle Account deposits and withdrawals from your Account and you irrevocably agree that we may give such instructions on your behalf in accordance with your requests as submitted using the relevant feature on our Platforms. You agree to be bound by the terms and conditions of use of each applicable PSP. In the event of conflict between these Agreements and the PSP's terms and conditions these Agreements shall prevail.

3.4 winmasters does not accept cash funds sent or delivered directly to winmasters or a Payment Service Provider.

3.5 A Client is only allowed to make a deposit with his personal Card or via his personal account or e-wallet created with one of the Financial Institutions or their licensees. A Client cannot deposit with other individual’s card or account.

3.6 winmasters shall not accept a wager from a Client unless a winmasters Account has been established in the name of the Client and there are adequate funds in the winmasters Account to cover the amount of the wager; or funds necessary to cover the amount of the wager are provided in an approved way.

3.7 winmasters shall not deal with the amount standing to the credit of a Client.

3.8 All winnings will be credited to the Client’swinmasters account. Withdrawals from the winmasters account, in the extent of the original deposit amount, are made using the same payment method as was used for the original deposit. For instance, if a deposit was made with a credit card, at least an amount from the winnings corresponding to the original deposit amount will be withdrawn to the same credit card whereas the remaining winnings amount may be withdrawn by using any other payment method. Withdrawals will only be made to a credit card, a bank account or e-wallet account held in the Client’s own name. Nevertheless, winmasters reserve the right to use an alternative payment method for withdrawal if that is needed. In case of sportsbetting with the usage of pre-paid card, the withdrawal method will be mutually agreed with the Client beforehand to personal details updating and identification through the competent department of the Company.

3.9 When a Client wishes to withdraw funds he had deposited on his winmasters Account, but has not wagered them in any game or sport betting offer, at least one time for the amount of the initial deposit, winmasters reserves the right to refuse to transfer the funds to another bank account than the one the funds originated from, if winmasters suspects fraud and/or money laundering.

3.10 winmasters reserves the right to charge for withdrawals for administrative cost as indicated on the Website.

3.11 Placing a bet through the Internet may be illegal in the jurisdiction in which a Client is resident and/or domiciled; if so the Client is not authorized to use a Card for the purpose of placing a bet.

3.12 winmasters , the Regulator or all relevant Authority can control all transactions to prevent money laundering. All transactions shall be checked in order to prevent money laundering and all suspicious transactions found out by winmasters will be reported to the relevant Authorities.

3.13 We reserve the right to apply minimum withdrawal amounts for different payout methods, as notified to customers from time to time in the Payout Information section of the website. If a customer requests a smaller amount than the minimum withdrawal amount, we may charge the customer a discretionary fee depending on the selected payout method. We also reserve the right to charge an increased fee for payouts.

3.14 Company will carry out additional procedures for any pay-out or cumulative withdrawal exceeding the equivalent of €2,300 and furthermore reserves the right, as per the Company’s Terms and Conditions, to carry out such additional verification procedures in the case of lower pay-outs.

3.15 In case of a withdrawal request, we reserve the right to define minimum or maximum withdrawal amounts for each client.

3.16 All winmasters financial transactions are secure and protected using the highest Secure Sockets Layer (SSL) encryption methods. winmasters do not store any personal information such as credit card numbers and/or internet wallet ID's related to customers transactions.

3.17 General Information for deposit payment methods.

3.18 The deposit limits and fees of available payment methods are listed below:

Payment Method	Minimum	Maximum	Fees
Credit cards	€ 10	€ 2.000	0%
Bank Transfer	€ 20	€ 10.000	0%
Neteller	€ 10	€ 2.000
Skrill (Moneybookers)	€ 10	€ 2.000	0%
Paysafe Card	€ 10	€ 1.000	0%

To deposit funds into your winmasters Account, you can use any of the methods specified in the relevant pages of the Website(s), as may be amended from time to time. Currently the following methods are available:

3.18.1 VISA: The transfer of funds into your account is instant. You can withdraw to your Visa card provided you have made a successful deposit in the last 180 days and your card ownership has been verified. The funds are directly credited to your card in 3-5 business days. All cashier transactions are processed adhering to Payment Card Industry (PCI) compliance standards for data security, using a 128-bit encryption that ensures the safety and security of the data transmitted. This state-of-the-art protection is the same technology used by major banks and financial institutions all over the world.

3.18.2 MasterCard: The transfer of funds to your account is instant. Direct withdrawal on MasterCard is available.

3.18.3 Maestro: The transfer of funds to your account is instant. Direct withdrawal on Maestro card is available.

3.18.4 Bank transfer: is a transfer of funds from one bank account to another. In most cases, you will need to log in to your online banking and authorize the bank transfer or authorize your bank to initiate the transfer. You can transfer the funds from one domestic bank to another locally or internationally. Bank transfer is much quicker in the domestic transfers. The funds will be credited to your bank account in 1-4 business days depending on the processing time at your bank.

3.18.5 Neteller: is an "online wallet" that allows you to deposit, withdraw and transfer funds online. Neteller provides same-day payments and instant cash transfers to and from affiliated merchant sites and between Neteller account holders. You can use Neteller to make deposits to your account without disclosing your personal or credit card details. The transfer of funds to your account is instant provided you have sufficient funds in your Neteller account. We do not charge any fees for Neteller deposits. You can withdraw to your Neteller account provided you have made a successful deposit in the last 6 months. The funds are directly credited to your account in 2-6 hours. Once you have completed the Neteller sign-up form, you will receive an e-mail. This e-mail contains instructions for "Step 2" (your NETELLER account activation). Please follow the instructions, you will be prompted to submit your Neteller Account ID and Secure ID (found in the e-mail), plus the password you originally entered on the Neteller account sign-up page. Save this e-mail for further reference. Once you have completed these two steps, your Neteller account (or "online wallet") will be active and ready to be funded.

3.18.6 Skrill (Moneybookers): enables customers with a valid e-mail address to securely and cost-effectively send and receive payments online in real time. You can use Skrill to:

- Send money via e-mail from your credit card or bank account

- Make online purchases

- Collect money via e-mail

You can fund your Skrill (Moneybookers) account by credit/debit card, online bank transfer, direct banking or via cheque. The transfer of funds to your account is instant provided you have funds in your Skrill (Moneybookers) account. We do not charge any fees for Skrill (Moneybookers) deposits. You can withdraw to your Skrill (Moneybookers) account provided you have made a successful deposit in the last 6 months and your card ownership has been verified.

The funds are directly credited to your account in 2-6 hours once processed. You will not be able to transfer the funds from Skrill.com to your account if you have deposited them using MasterCard. Skrill (Moneybookers) is totally secure. Through a combination of transaction monitoring, SMS transaction verification for cardholders and a dedicated anti-fraud team, Skrill (moneybookers) is an entirely safe online payment method.

3.18.7 Paysafecard: is the leading prepaid payment card for internet payments. The transfer of funds to your account is instant. We do not charge any fees for Paysafecard deposits. Paysafecard is totally secure. Through a combination of transaction monitoring, SMS transaction verification for cardholders and a dedicated anti-fraud team, Paysafecard is an entirely safe online payment method.

3.19 General Information for withdrawals methods.

Your Account balance is the amount of real money held in your Account plus any winnings and/or minus any losses accrued from using the Services, less any entry or other fees, if applicable, and less any amounts previously withdrawn by you or amounts forfeited or reclaimed by us due to any known or suspected fraud or due to deposits or other transactions rejected or cancelled by your bank (whether as a result of insufficient funds, charge-backs or otherwise), any Inactive Account Fees or any sums which are otherwise deductible or forfeited under these Agreements.

Acceptance of a withdrawal request is subject to any deposit method restrictions, bonus restrictions and/or Security Reviews and any other terms of these Agreements. All withdrawals are subject to the transaction limits as set forth in below and any processing fees for deposits and withdrawal methods that we notify you of before withdrawing. Cash shall not be an acceptable form of deposit or withdrawal.

We may report and withhold any amount from your winnings in order to comply with any applicable law. All taxes due in connection with any winnings awarded to you are your sole liability. Account balances cannot be transferred, substituted or redeemed for any other prize. Payment of funds which you withdraw shall be made via the same method of payment and in the same currency with which deposits were made.

- Prior to any withdrawal request, your winmasters account must be verified by sending us your KYC (Know Your Client) documents. The fastest and safest way to do this is to complete the verification process, upon registration. Once you have your account verified, all limits will be removed and your withdrawal requests will be executed quicker.

- The minimum and maximum limits for each withdrawal option are set on the cashier and below and the player will not be able to withdraw more than the maximum limit or less than the minimum limit specified.

- If a player reaches the maximum limit for a particular withdrawal option, s/he will not be able to request another withdrawal through the same option until the original redeem request is completely processed

- The Company keeps the players’ funds separately from the Company’s own funds in a Clients’ account held with Hellenic Bank, which Bank is instructed by the Company to disclose information to the Authority should it be requested.

- Withdrawals shall be processed within the next 72 hours, so the transfer is finished within a maximum of 3 working days. The company is entitled to operate any verifications deemed necessary, within 10 working days, and after those to complete the transfer.

- winmasters reserves the right to use an alternative payment method for withdrawal at its sole discretion, mutually agreed with the Client beforehand.

- The withdrawal limits and fees of available payment methods are listed below:

Payment Method	Minimum	Maximum	Fees
Credit cards	€ 20	€ 2.000	0-3%
Bank Transfer/FastBankTransfer	€ 20	€ 2.000	0%
Neteller	€ 20	€ 2.000	0-3%
Skrill (Moneybookers)	€ 20	€ 2.000	0-3%
Paysafe	€ 20	€ 1,000	0%

3.19.1 Withdrawals may only be processed from your Sports Cash Account.

3.19.2 Withdrawals to your Credit Card: is available only for VISA cards that have been previously used for depositing funds. If there are more than one VISA cards registered in your account, then your withdrawal will be processed to the VISA card which has been mostly used, within the last 3 months.

3.19.3 Withdrawals to e-wallets, Skrill (Moneybookers), Neteller: is only possible to a Skrill or Neteller account that has been previously used for depositing funds.

4.1 You may at your discretion choose to exclude yourself from playing any Games on Our website. In order to block your access to the Games you need to send an email to the following email address support@winmasters.com.cy indicating the following options:

-Time Out Facility – exclusion – 24 hours

- Self-exclusion (minimum 7 days)

- Permanent self-exclusion

Alternatively self-exclusion mechanism is available (for logged users) through “Responsible Gaming” internal page within the “My account” section, self-exclusion becomes effective immediately.

4.2 Should you opt for permanent self-exclusion in the manners contemplated above then you will not be able to reverse this position for at least 6 months, after which you will be able to send an email to the same email address in order to re-activate your access to our Games and re-activate your winmasters Account.

4.3 When setting up your winmasters account you may also choose to impose a ceiling on the maximum deposit you may make in relation to your gaming account. The deposit limits can be defined on a daily, weekly and/or monthly basis under the following conditions:

Deposit limits are set in your account currency

First time deposit limits will be activated instantly

Decreased deposit limits will also be activated instantly

Increased deposit limits will be activated in 7 days

If you wish to remove a deposit limit you had previously set, it will be activated in 7 days

You can set deposit limits on a daily, weekly, or monthly basis. Deposit limits apply to the amount set for the certain period of time (daily, weekly, or monthly)

4.4 When setting up your winmasters account, you may also choose to impose a ceiling on the maximum amount of money lost per day (24h) in sportsbook services. Should you reach the maximum self-imposed limits at any time, then further wagering will be denied. You can set limits under the following conditions:

A first time limit will be activated instantly.

A decreased limit will also be activated instantly.

An increased limit will be activated in 7 days.

If you wish to remove a previously set limit, this will be activated in 7 days.

Limits are set in your account currency.

4.5 When setting up your winmasters account, you may also choose to impose a check for the time spent playing in the form of reality check. Should you reach the maximum self-imposed limit at any time, you will receive a pop-up notification with the option to logout or continue playing. Please note that there is a reality check set at 60 minutes by default, which you may amend through the reality check link within the “My Account” section.

In the event of a dispute, it is advisable that the Account Holder lodges a complaint with winmasters ' customer service using the contact details in the Website. The parties should do their utmost to reach an amicable settlement within a reasonable time. The client may also lodge a complaint within 6 months to NBA, which must contain clear and unequivocal information about the complainant's identity and shall give all the relevant details that gave rise to the complaint.

If a user has a complaint, he/she can:

1.Email customer support at support@winmasters.com.cy

2.winmasters will use best efforts to resolve a reported matter promptly.

3. If for some reason the user is not satisfied with the resolution of the complaint by the Company, you can lodge a complaint with the NBA:

NATIONAL BETTING AUTHORITY

Digeni Akrita 83, 1070, Nicosia

Call center: +357 22881800

Email: info@nba.gov.cy

It is expressly stated that for all unresolved complaints, the final judgement/decision is done by the National Betting Authority (NBA).

Example

Step 1:

If you have a complaint to make with any aspect of the service you have received from winmasters, or you wish to challenge how your bet has been settled in any of the channels we offer, please email us at support @winmasters.com.cy , or click contact us stating the terms of your grievance.

Step 2:

A member of our Customer Support Team will read your query or complaint, a decision may be delivered at that time, for more complex queries or complaints where further investigation may be required you will be contacted at all times within 72 hours with a decision, or a request for further information in order to make that decision.

Step 3:

If you are not in agreement with the decision of our Customer Support Team, you may then choose to escalate the matter to a member of the department that is more senior than the member that fielded your original complaint, up to and including our Head of Customer Support.

In order to escalate a complaint, you will need to clearly state your reasons for appealing the previous decision, and any other relevant information.

Step 4:

The decision of our Head of Customer Support on a dispute or complaint will be considered as the view of the Company, unless it is subsequently overruled by the NBA or a Company Director as follows:

• Your complaint will be referred to the NBA Complaint’s Department who will hear your complaint; and/ or

• Under exceptional circumstances, a complaint can be escalated to a Company Director for a final decision if both parties agree on this as a course of action.

Step 5:

In the unlikely event that you are not satisfied with the outcome of your query, under all of the steps above:

• You at all times have the right to bring disputes to the attention of the NBA, at info@nba.gov.cy, if you deem your complaint to be unresolved.

6.1 The Company is not liable for any downtime, server or other technical disruptions, lagging or any types of disruptions which might arise whilst you are making use of the Website or whilst you are benefiting from the Services. If we determine that any refunds are to be effected, they shall be given on a case by case basis.

6.2 In addition, we shall not be held liable for any damages or losses which may arise out of or in connection to any downtime, server or other technical disruptions, lagging or any types of disruptions which might arise in operation or transmission, the Website or its content, loss or corruption of data, communication or lines failure, any individual’s misuse of the site or for any other damages or losses which may arise.

6.3 In the event that a game is started but miscarries due to a failure in winmasters ’ system, winmasters shall refund the amount wagered in the game to You by crediting it to your winmasters ’ 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 winmasters Account the monetary value of the credit or, if the account no longer exists, pay it to You in an approved manner.

6.4 In the event that a game is started but miscarries due to a failure deriving from Your system or deriving from a network error, winmasters shall refund the amount wagered in the game to you by crediting it to your winmasters ’ Account or if the Account no longer exists, by paying it to You in an approved manner. If the game was completed from the server system, winmasters shall treat the game as fully completed. This includes the withdrawal of the amount wagered and granting of all winnings that were produced as game outcome. This may also include the granting of all winnings during bonus games that may have been granted as the outcome of the aborted game.

6.5 In the event of a system malfunction, all wagers shall be declared void.

6.6 If due to a technical error, winnings are not credited to Your winmasters ’ Account, You must stop playing immediately and inform winmasters in so that the game transactions may be examined and rectified accordingly.

6.7 Should winmasters fail to return any and all funds from Your winmasters ’ Account (less any withdrawal charges) upon closure, blocking or exclusion of Yourwinmasters Account, You must contact winmasters ’ customer support who shall then examine the request and, if approved, take all the necessary measures to return the funds to You.

7.1 If You breach any provision of these T&Cs or if we have reasonable ground to suspect that You have breached them, we reserve the right not to open, suspend, close Your winmasters’ Account, but shall reserve the right to withhold payment of Your winnings and apply such funds on account of any damages due by You. In such a case, a proper justification for the Account suspension/Close will be sent in written to the Client and NBA

7.2 If we suspect that You are engaged in illegal or fraudulent activities when using the Website; or that You are having problems with creditors or otherwise detrimental to our business, we may freeze or terminate Your winmasters account or cancel any stakes at our absolute discretion.

7.3 You acknowledge that the NBA shall be the final decision-maker of whether You have violated our rules, terms or conditions in a manner that results in Your suspension or permanent barring from participation in our site.

8.1 You hereby acknowledge and accept that it is necessary for the Company to collect your personal data in order to allow You access and use of the Website and in order to allow You to participate in Games.

8.2 The Company hereby acknowledges that in collecting your personal details as stated in the previous provision, We are bound by the Data Protection Act, Act Law 2001 (N.138(I) /2001) The Company will protect your personal information and respect your privacy in accordance with best business practices and applicable laws.

8.3 The Company will only use your personal data to allow you to participate in the Games and to carry out operations relevant to your participation in the Games.

8.4 Only qualified personnel within the company’s organization will have access to your personal data.

8.5 Your personal data will not be disclosed to third parties, unless such disclosure is necessary for processing of your requests in relation to your participation in the Games or unless it is required by law. You hereby consent to such disclosures.

8.6 You have the right to access personal data held by the Company about You as well as the right to inform and to intervene on decisions regarding your personal data. These rights can only be applied only within the legal limits, allowed by the Cypriot Legislation. For any solicitation, regarding personal data processing, please contact support@winmasters.com.cy

8.7 In order to provide You with an efficient service, the Company and/or its service providers may require to transfer your personal data from one country to another country, in the EU space. You hereby consent to your personal data so transferred.

8.8 In the processing of your betting account and associated transactions, the Company may have recourse to credit rating agencies, fraud detection agencies, anti-money laundering agencies. You hereby consent to such disclosures.

8.9 In order to make your visit to the Websites more user-friendly, to keep track of visits to the Websites and to improve the service, the Company collects a small piece of information sent from your browser, called a cookie. You can, if you wish, turn off the collection of cookies (please refer to your browser instructions as to how to do this). You must note, however, that turning off cookies may restrict your use of the Websites.

8.10. We may also inform you of changes, new services and promotions we think that You may find interesting. If you do not wish to receive direct marketing data you may opt out of such service (please refer to your browser instructions as to how to do this).

9.1 The terms contained in this document (Standard Promotional Terms) apply to all promotional offers available through the Website (each a Promotion) and, together with any applicable specific promotional terms, which may also be referred to as "Key Terms", set out on the individual web landing page for the relevant Promotion (Specific Promotional Terms), form a legal agreement between you and winmasters and can only be amended with our consent. By participating in any Promotion, you are indicating that you accept and agree to be bound by the Rules.

9.2 You should check these Standard Promotional Terms and any applicable Specific Promotional Terms before participating in any Promotion.

9.3 In the event of any conflict or inconsistency between these Standard Promotional Terms and the Specific Promotional Terms, the Specific Promotional Terms shall prevail, followed by these Standard Promotional Terms, but only to the extent necessary to resolve such conflict or inconsistency.

9.4 winmasters may, from time-to-time, run Promotions and these may take the form of bonus offers (whether real-money bonuses or some other form of incentive), prize draws, competitions, contests, leagues, tournaments or other form of Promotion, or a combination of any of these. The particular form of Promotion will be described, and full details set out, in the communications (such as e-mails, computer pop-ups and letters) we issue to tell you about each Promotion and/or on the individual web landing page for the relevant Promotion.

9.5 For the purposes of all Promotions, the promoter is the entity you have contracted with under the Terms and Conditions (as indicated under paragraph 1).

9.6 The period of time during which each Promotion will run (Promotion Period) will be specified in the applicable Specific Promotional Terms. Each Promotion will automatically close at the end of the relevant Promotion Period, at which point no further participation in that Promotion will be possible. Where no Promotion Period is specified the relevant Promotion will end when it is discontinued on the Platform.

9.7 Unless otherwise indicated, participation in each Promotion is limited to one per person, family, household, address or organization to whomwinmasters sends the Promotion. winmasters reserves the right to restrict participation in certain Promotions to players who fulfill specific selection criteria. Where a Promotion permits multiple participants, winmasters reserves the right, in its sole discretion, to limit the number of participants.

9.8 Unless otherwise indicated in the Promotion, it is intended for the addressed recipient or category of recipient only and cannot be transferred. If you are not the intended recipient or within the intended category of recipient, then the offer is null and void.

9.9 To be eligible to participate in any Promotion, you must:

(a) be eighteen (18) years of age or older, or the legal age of majority in your home country, state or province;

(b) if the Promotion is specifically intended for players who are residents of and/or located in a particular country as stated in the applicable Specific Promotional Terms, be a resident of and/or located in that country;

(c) have successfully completed registration on the Website and opened a real money winmasters account in accordance with the Terms and Conditions – general and promotion specific;

(d) satisfy any other eligibility criteria set out in the relevant sections of these Standard Promotional Terms in respect of certain general categories of Promotion and in the applicable Specific Promotional Terms;

9.10 To be eligible to participate in any Promotion which is stated to be intended for new players or which is described as a "new player" or "sign up" offer (or similar), you must not previously have opened and made a deposit into a winmasters Account. Such Promotions may not be used in conjunction with any other Promotion.

9.11 The identity of each participant in a Promotion will be determined from all or any combination of the following: name, address, email address, credit/charge/debit card number, IP address and other forms of identification which may be required. We reserve the right to request further information from you if you wish to participate in certain Promotions.

9.12 Participation in any Promotion is voluntary.

9.13 To participate in a Promotion, you should follow the instructions set out in the relevant Promotion, on the individual web landing page for that Promotion and, where appropriate, the applicable Specific Promotional Terms.

9.14 Unless otherwise indicated in the applicable Specific Promotional Terms, entry into each Promotion may be used only once.

9.15 In relation to some Promotions, certain release requirements or withdrawal restrictions must be satisfied before a bonus may be used, played with or, where appropriate, withdrawn, or as a condition of being eligible for a prize or to compete in a competition, contest, league or tournament. Any such additional restrictions or requirements will be contained or referenced in the applicable Specific Promotional Terms. You may only withdraw any funds from your winmasters account obtained via a Bonus on our Sports Service when you have met the wagering restrictions associated with that Bonus offer.

9.16 In the event that you withdraw funds in respect of which you have received a Bonus, without having met any applicable release requirements, withdrawal restrictions or general eligibility criteria, you shall forfeit the entire sum of the Bonus and any winnings resulting from this Bonus andwinmasters shall be entitled to deduct this from your winmasters Account.

9.17 Subject to Clause 9.15 above, unless otherwise indicated in the applicable Specific Promotional Terms, all real money bonuses will be paid into the winmasters Accounts of qualifying players within seven (7) days of entry into the relevant Promotion.

9.18 Your use of any real money bonuses is subject to winmasters review for irregular playing patterns. To ensure fair gaming and the proper use of bonuses, winmasters considers low margin betting, equal betting, zero risk bets or hedge betting to be irregular gaming when deployed to exploit bonuses. Further examples of irregular playing patterns also include, but are not limited to: (i) placing single or multiple bets of a value of fifty percent or more of the bonus on any single game, individual hand, or round, building a balance and significantly changing play patterns (bet size, game types, bet structures etc.) in order to meet the bonus release requirement; (ii) placing large bets which result in a substantial gain followed by a drop in bet size equal to or more than seventy five percent of the previous average bet size until the bonus release requirements have been met; (iii) if we have good grounds to suspect that you have sought only to exploit a bonus offered by winmasters in good faith to enhance your entertainment (for example, on acceptance of a bonus, the minimum wagering requirement is met and funds are subsequently withdrawn). In the event that winmasters deems that an irregular playing pattern has taken place, winmasters reserves the right to prevent you from cashing out Account funds and/or withhold any of your winnings derived from your use of the bonus.

9.19 Excluded and disqualified players: Officers, directors, employees, consultants or agents of winmasters , parent or associated companies, or any of its or their respective suppliers or vendors (including advertising, printing and publicity agencies) or any officers, directors, employees, consultants or agents of any entity connected with any Promotion, or relatives of any of the foregoing persons, "relative" shall include, but not be limited to, a spouse, partner, child or sibling and any person residing in the same household as any of the foregoing persons.

9.20 If a non-legible Client participates in any Promotion, winmasters reserves the right, without prejudice to any other rights under the T&Cs, to seek the return of any bonus, payment, award or other prize, including from that Client's Account.

9.21 winmasters reserves the right, at its sole discretion, to disqualify any player who cheats or who tampers or attempts to tamper with the entry process for, or the operation of, any Promotion, or whose conduct is in breach of the Rules, contrary to the spirit of the Rules or the intention of the relevant Promotion, or might, in its reasonable opinion, bring winmasters’ , any of Our Group companies into disrepute.

9.22 winmasters reserve the right not to award a Prize or to seek the return of any Prize awarded in the event that the Winner is not entitled to receive such Prize in accordance with applicable law (provided always that the Winner is solely responsible for ensuring that s/he is entitled to receive any Prize) or if we have cause to disqualify the Winner in accordance with clause 9.22.

9.23 If a Client is competing in a contest, league or tournament and are unable, for any reason whatsoever, or choose not to progress to the next round after qualifying to do so, the Client will forfeit his/her place and will not be eligible to receive any Prize to be awarded for the next or any subsequent round or the final Prize.

9.24 Any entitlement to receive a Prize is non-transferable.

9.25 The Winner is solely responsible for all use made of the Prize. Except as expressly provided in these Standard Promotional Terms, no representations, warranties, conditions or other terms are made, given or accepted by the company and no other terms shall apply, as between winmasters and any person, in relation to any Prize, including without limitation any terms as to suitability, reliability, satisfactory quality or fitness for purpose, or any other implied terms, all of which winmasters exclude to the maximum extent permitted by law.

9.26 In respect of any prize draw, Winners will be drawn at random from all entries correctly submitted and no favoritism will be shown in terms of gender, age, geographic location, length of time as a legible Client, which of winmasters gaming channels a legible Client has used, or any other factor.

9.27 By participating in any Promotion in which the Client wins a Prize or which takes the form of a contest, league or tournament in which he/she successfully progress to a second or subsequent round, the Client agrees to co-operate in all advertising, marketing and publicity material and activities winmasters may, at its expense, produce or arrange. The Client also agrees if requested (a) to wear any branded clothing or attire winmasters may provide; and (b) to sign, if requested, an irrevocable release form allowing the company, without any compensation being payable, to use his/her name, photograph, likeness, details of the country and/or city where he/she lives, any comments made by or attributed to him/her, and to incorporate any such information and any audio/visual recording or broadcast for such promotional purposes, in any media, throughout the world.

9.28 Where the Client participates in any event which winmasters hosts or arranges in connection with a Promotion, the Client agrees not to make use of any third party branding or advertising for any organization which winmasters considers to be its competitor, including without limitation any branding or advertising for any other gaming company. In the event of any breach of this requirement, winmasters reserves the right not to award a Prize or to seek the return of any Prize awarded.

9.29 With respect to any submission or entry the Client makes in the course of participating in any Promotion, he/she warrants that the relevant material will be all his/her own original work and will not infringe on the intellectual property rights or other rights of any person. The Client agrees to assign all rights (including intellectual property rights) in such material (and if moral rights exist, agree to waive such rights) and agrees to execute all documents and to do any other things reasonably necessary to assure the company’s title to such material and to allow it fully to use and exploit such material.

9.30 In the event that more than one real money bonus or any excess payment is accidentally paid to a qualifying player, winmasters reserves the right, without prejudice to any other rights under the Rules, to seek the return of the amount of any additional real money bonus or payment from that winmasters Account.

9.31 winmasters reserves the right to alter, discontinue or terminate any Promotion, or any aspect of it, at any time, with or without notice, for any reason whatsoever, including without limitation if there has been any printing, production, distribution or other error in any Promotion or on the Website, or where there has been any error in the preparation for or conduct of any Promotion affecting the result of the Promotion or the number of participants or the value of claims.

9.32 The terms and conditions may be modified by winmasters at any time by posting the modified terms on the relevant page(s) of the Website. winmasters recommends you revisit these Standard Promotional Terms regularly. By your continued participation in the Promotion, you accept any such modified terms.

9.33 If these Standard Promotional Terms or any applicable Specific Promotional Terms are translated into a language other than Greek, then the Greek version shall prevail where there is any inconsistency.

9.34 When registering at winmasters , you consent to receive marketing communications from winmasters relevant to promotional offerings by email, post, SMS and telephone notifications, any of which you may unsubscribe from at any time by contacting Customer Service.

10.1 This set of terms and conditions govern the use of thewinmasters Sportsbook. When placing a bet with winmasters , the Client is therefore agreeing that the Client has read, understood and will be adhering to these Terms and Conditions.

10.2 winmasters reserves the right to make changes to the Website, betting limits, payout limits and offerings.

10.3 A bet is not valid until it is validated and shown in the customer bet history. In cases of uncertainty about the validity of a bet, the customer is requested to check the open (pending) bets, or contact Customer Service.

10.4 Should a dispute arise about the acceptance (or lack thereof) of any transaction in the customer's account, the transaction log database will be the ultimate authority in deciding such matters.

10.5 winmasters reserves the right, at its own discretion, to declare a bet void, totally or partly, if it is obvious that any of the following circumstances have occurred:

Bets have been offered, placed and/or accepted due to an Error; ("Error" is a mistake, misprint, misinterpretation, mishearing, misreading, mistranslation, spelling mistake, technical hazard, registration Error, transaction Error, manifest Error, force majeure and/or similar.)

Bets placed while the Website was encountering technical problems, that would otherwise not have been accepted;

Influence Betting; ("Influence Betting" is an act, prohibited by winmasters , where a Client, or parties acting in association with a Client, can influence the outcome of a match or an event - directly or indirectly.)

Syndicate Betting; ("Syndicate Betting" is an act, prohibited by winmasters , where a Client, or parties acting in association with a Client, evades the Rules of winmasters - directly or indirectly.

A result has been affected by criminal actions - directly or indirectly;

A public announcement has occurred in relation to the bet which alters significantly the odds

Voided Bets In the event of a system malfunction, all unconfirmed bets are void. We are not liable to you for any loss that you may incur as a result of such suspension or delay. To the extent that a voided ‘won’ bet results in your Customer account going into negative balance, we reserve the right to recover such amount from your account deposits, withdrawals, bonuses, and winnings. The negative balance in a player’s account can result in case the official sport association recalls the outcome of an event/market and in the meantime (from the moment the bet is settled to win, to the moment the sport association recalls the outcome of the event/market and the bet is considered void) the player has processed a withdrawal of the winnings or placed the winnings in other bets, until the balance of his playing account became zero or less than the stake of voided bet. Any due amounts (upon bets re-settlement, chargebacks, incorrect payouts, etc.) can be compensated with subsequent ‘fresh deposits’ from players.

In the case that an event is abandoned but the placed bets have been determined from the current score, bets are settled and cannot be cancelled.

Notice: Exceptions on abandoned events apply, please for your information visit section Betting Rules

For Pre-match betting:

o Betting effected after the event has started;

o Betting effected after a related event was underway and where conditions could have been altered in a direct and indisputable way.

For Livebetting:

o Betting effected at incorrect price due to delayed or failing ‘Live’ coverage;

o Betting effected on particular offers after these have occurred, or else after an event which could normally be deemed as leading to the outcome has happened or is happening (e.g. bets placed on offers such as Total Goals Scored or Next Goal while a penalty is being taken, or has been awarded);

o Betting effected on odds which represented a different score than the actual;

o Bet is received after the result of the event has been determined.

10.6 In case that wrong prices were offered during live betting which were caused by any kind of error, winmasters reserves the right to alter the price(s), even after the game is finished.

10.7 A bet can be declared void, and will be, in that event, settled with the odds of 1.00. In a combo/multi bet, the cancelled event is set to odds 1.00 and the overall slip odds is adjusted accordingly. The multi bet can still be won if the rest of the bets are also won. In case of technical difficulties for the company to cancel a bet, the company reserves the right to deduct any invalid winnings from its clients’ balances.

10.8 Unless otherwise stated – in the exceptions below, in the betting offer or in the special rules of each sport – the principle “all bets stand” applies to all bets. This means, that if the athlete (or team, etc.), on whom/which the bet has been placed, fails to participate – for any reason – the bet is considered as lost if the betting event takes place. The bet will be declared void, only in exceptional cases. Particularly in the following cases:

The event/tournament is cancelled or declared void.

The event/tournament is interrupted and restarted in more than 36 hours after the original start date/time

Head to Head (H2H) bets: If one or more participants withdraw before they have started the event/tournament.

10.9 winmasters assumes no liability for correctness, completeness or up-to-datedness of the information services provided i.e. live scores and result messages sent via e-mail. The stake is exclusively the amount confirmed and recorded by the company. In case the erroneous event/market is cancelled all bets are void and the odds are set to 1,00.

10.10 winmasters only accepts those results which have been achieved on the playing field or platform. Results amounting from disciplinary measures from a sports' court or another court of law will not be accepted. In case of violation of sports laws, the company reserves the right to freeze any winnings and withhold payment(s). This also applies for live betting events.

10.11 Winnings are paid out up to a maximum limit. If the Client places a bet and its payment exceeds the maximum winning limit, winmasters is not liable for the excess of the amount. In such cases the payment of the winnings will be reduced correspondingly. This also applies if winmasters has not warned the bettor against possible excesses of the winning limits when placing the bet. The following limits apply on winnings per user:

* € 15.000 per bet

* € 20.000 per week

* € 25.000 per month

winmasters reserves the right to determine different winning limits for individual players, who belongs inone of the following categories:

Players who do not submit the necessary and appropriate documents for identification

Players who do not submit the necessary and appropriate document, while is using pre-paid card in order to deposit money on his/her winmasters account

Players who taking advantage of the welcome bonus offer (bonus abusing)

Players who constantly taking advantage of system delays on odds pricing on the available events for betting

Players who violate or infringe at least one term from the T& Cs of the Company

10.12 Stake Limits are the maximum acceptable stake for an event and the slip combination. Placing the same bet multiple times to exceed the stake limit will be considered as fraud by the Company and winmasters reserves the right to cancel all the respective bets/stakes/slips.

10.13 Stakes are set by any individual Client, with the exception of the restriction imposed by winning limits in accordance with the calculation of winnings and possible stake limits. All Stakes should be covered by the Client’s account balance; otherwise the stake will not be allowed.

10.14 In order to avoid a bet not being accepted due to odds changes, the system automatically updates the odds before slip confirmation and the customer should check the latest odds in the betting slip before proceeding to the confirmation.

10.15 The Client may not combine related bets on the same event (“related bets” are two or more different bets that have related contingency).

10.16 The Minimum Sportsbook Stake is 0,20 EUR (or equivalent selected currency during registration).

10.17 If the balance in the account does not provide full coverage and the difference is not remitted in due time, offers for the placement of bets will be accepted by the company only in the order in which they are received for as long as the betting account for each individual bet is completely covered. If the stake for a bet is only partly covered by the balance on the account, the bet is deemed to be placed with a stake corresponding to the remaining balance on the account.

10.18 Live bets are settled on the company’s own statistics which are based on the actual run of play. Unless otherwise stated, in live betting all bets on “Non-runners” will be void.

10.19 System Bets

10.19.1 In Pre-match and Live betting, it is possible to combine up to twenty (20) different bets on a single slip. Based on these twenty (20) selections you can choose combinations of singles, doubles, trebles etc.

10.19.2 Systems names and description

What is a system bet?

System bets are similar to accumulators or accumulators in that you choose several selections within one bet, but all possible combinations of bets from those selections are covered, with the advantage of winning even if not all picks are winners.

Systems bets are presented as two numbers separated by a slash: e.g. 2/4, with the first number denoting the type of bets involved (in this case, doubles), and the second number denoting the number of selections involved.

For example, in a 2/4 system bet, you would choose 4 selections and click on the Combo tab at the top of the bet slip, where you would then see your system bets options. The 2/4 system bet is made up of the 6 possible combinations using your 4 selections, so a stake of 1 EUR would cost 6 EUR. Even if only 2 of those possible combinations were winners, your bet would win, with the return amount dependent on how many possible combinations actually win. If none or only one of your picks wins, your system bet loses. When you place your system bet, the amount of winnings shown is the maximum winnings possible if all picks win.

Systems involving 3 selections

System 2/3:

A 2/3 system consists of 3 bets involving 3 selections in different events - 3 doubles. Any two winning bets guarantee a return. Please note that a 1 EUR System 2/3 costs 3 EUR.

Trixie:

A Trixie consists of 4 bets involving 3 selections in different events, 3 doubles and 1 treble. Any two winning bets guarantee a return. Please note that a 1 EUR Trixie costs 4 EUR.

Patent:

A patent consists of 7 bets involving 3 selections in different events, 3 singles, 3 doubles and 1 treble. Any one winning bets guarantees a return. Please note that a 1 EUR Patent costs 7 EUR.

Systems involving 4 selections

System 2/4:

A 2/4 system consists of 6 bets involving 4 selections in different events - 6 doubles. Any two winning bets guarantee a return. Please note that a 1 EUR System 2/4 costs 6 EUR.

System 3/4:

A 3/4 system consists of 4 bets involving 4 selections in different events - 4 trebles. Any three winning bets guarantee a return. Please note that a 1 EUR System 3/4 costs 4 EUR.

Yankee:

A Yankee consists of 11 bets involving 4 selections in different events, 6 doubles, 4 trebles and 1 four-fold. Any two winning bets guarantee a return. Please note that a 1 EUR Yankee costs 11 EUR.

Lucky 15:

A Lucky 15 consists of 15 bets involving 4 selections in different events, 4 singles, 6 doubles, 4 trebles and 1 four-fold. Any one winning bet guarantees a return. Please note that a 1 EUR Lucky 15 costs 15 EUR.

Systems involving 5 selections

System 2/5:

A 2/5 system consists of 10 bets involving 5 selections in different events, 10 doubles. Any two winning bets guarantee a return. Please note that a 1 EUR System 2/5 costs 10 EUR.

System 3/5:

A 3/5 system consists of 10 bets involving 5 selections in different events, 10 trebles. Any three winning bets guarantee a return. Please note that a 1 EUR System 3/5 costs 10 EUR.

System 4/5:

A 4/5 system consists of 5 bets involving 5 selections in different events, 5 four-folds. Any four winning bets guarantee a return. Please note that a 1 EUR System 4/5 costs 5 EUR.

Super Yankee:

A Super Yankee system consists of 26 bets involving 5 selections in different events, 10 doubles, 10 trebles, 5 four-folds, and 1 five-fold. Any two winning bets guarantee a return. Please note that a 1 EUR Super Yankee costs 26 EUR.

Lucky 31:

A Lucky 31 system consists of 31 bets involving 5 selections in different events, 5 singles, 10 doubles, 10 trebles, 5 four-folds, and 1 five-fold. Any one winning bet guarantees a return. Please note that a 1 EUR Lucky 31 costs 31 EUR.

Systems involving 6 selections

System 2/6:

A 2/6 system consists of 15 bets involving 6 selections in different events, 15 doubles. Any two winning bets guarantee a return. Please note that a 1 EUR System 2/6 costs 15 EUR.

System 3/6:

A 3/6 system consists of 20 bets involving 6 selections in different events, 20 trebles. Any three winning bets guarantee a return. Please note that a 1 EUR System 3/6 costs 20 EUR.

System 4/6:

A 4/6 system consists of 15 bets involving 6 selections in different events, 15 four-folds. Any four winning bets guarantee a return. Please note that a 1 EUR System 4/6 costs 15 EUR.

System 5/6:

A 5/6 system consists of 6 bets involving 6 selections in different events, 6 five folds. Any five winning bets guarantee a return. Please note that a 1 EUR System 5/6 costs 6 EUR.

Heinz:

A Heinz system consists of 57 bets involving 6 selections in different events, 15 doubles, 20 trebles, 15 four-folds, 6 five-folds, and 1 six-fold. Any two winning bets guarantee a return. Please note that a 1 EUR Heinz costs 57 EUR.

Lucky 63:

A Lucky 63 system consists of 63 bets involving 6 selections in different events, 6 singles, 15 doubles, 20 trebles, 15 four-folds, 6 five-folds, and 1 six fold. Any one winning bet guarantees a return. Please note that a 1 EUR Lucky 63 costs 63 EUR.

Systems involving 7 selections

System 2/7:

A 2/7 system consists of 21 bets involving 7 selections in different events – 21 doubles. Any two winning bets guarantee a return. Please note that a 1 EUR System 2/7 costs 21 EUR.

System 3/7:

A 3/7 system consists of 35 bets involving 7 selections in different events – 35 trebles. Any three winning bets guarantee a return. Please note that a 1 EUR System 3/7 costs 35 EUR.

System 4/7:

A 4/7 system consists of 35 bets involving 7 selections in different events – 35 four-folds. Any four winning bets guarantee a return. Please note that a 1 EUR System 4/7 costs 35 EUR.

System 5/7:

A 5/7 system consists of 21 bets involving 7 selections in different events – 21 five-folds. Any five winning bets guarantee a return. Please note that a 1 EUR System 5/7 costs 21 EUR.

System 6/7:

A 6/7 system consists of 7 bets involving 7 selections in different events – 7 six-folds. Any six winning bets guarantee a return. Please note that a 1 EUR System 6/7 costs 7 EUR.

Super Heinz:

A Super Heinz system consists of 120 bets involving 7 selections in different events, 21 doubles, 35 trebles, 35 four-folds, 21 five-folds, 7 six-folds, and 1 seven-fold. Any two winning bets guarantee a return. Please note that a 1 EUR Super Heinz costs 120 EUR.

Systems involving 8 selections

System 2/8:

A 2/8 system consists of 28 bets involving 8 selections in different events – 28 doubles. Any two winning bets guarantee a return. Please note that a 1 EUR System 2/8 costs 28 EUR.

System 3/8:

A 3/8 system consists of 56 bets involving 8 selections in different events – 56 trebles. Any three winning bets guarantee a return. Please note that a 1 EUR System 3/8 costs 56 EUR.

System 4/8:

A 4/8 system consists of 70 bets involving 8 selections in different events – 70 four-folds. Any four winning bets guarantee a return. Please note that a 1 EUR System 4/8 costs 70 EUR.

System 5/8:

A 5/8 system consists of 56 bets involving 8 selections in different events – 56 five-folds. Any five winning bets guarantee a return. Please note that a 1 EUR System 5/8 costs 56 EUR.

System 6/8:

A 6/8 system consists of 28 bets involving 8 selections in different events – 28 six-folds. Any six winning bets guarantee a return. Please note that a 1 EUR System 6/8 costs 28 EUR.

System 7/8:

A 7/8 system consists of 8 bets involving 8 selections in different events – 8 seven-folds. Any seven winning bets guarantee a return. Please note that a 1 EUR System 7/8 costs 8 EUR.

Goliath:

A Goliath system consists of 247 bets involving 8 selections in different events, 28 doubles, 56 trebles, 70 four-folds, 56 five-folds, 28 six-folds, 8 seven-folds, and 1 eight-fold. Any two winning bets guarantee a return. Please note that a 1 EUR Goliath costs 247 EUR.

10.20 Sportsbook Rules related to Cypriot Football games

Note for Cypriot football league offer: please note that a bet selection of the local Cypriot football league can only be accepted, if it contains three more bet selections from other International leagues on a 4-fold combo-bet (for both pre-match and live betting). All slips that are not compliant with the above rule will be void even post settlement, any winnings will be forfeited/retracted and the placed stakes will be returned to the players’ account balance.

1. Events with 0% margin, do not count on bonus rollover requirements.

2. 0% margin is counted in 3 digit rounded ( for example 0,003 is becoming after rounding 0%)

3. 0% margin offer is available on 1-x-2 or match winner or winner market

4. 0% margin offer is available for specific hours every day and is available only pre-match.

12.1 These winmasters General Promotional Rules, Sports Reload Bonus Terms, Sportsbook Welcome Bonus Terms, Free Bet Terms are inseparably linked to our Terms & Conditions, of which makes part, and their acceptance is a prerequisite to account registration. Any capitalized terms used herein which are not defined shall take their meaning from the Terms & Conditions.

12.2 All customer offers are limited to one per person, family, household address, email address, telephone number, same payment account number (e.g. debit or credit card, Skrill and etc.), shared computer (e.g. school, public library or workplace) and shared IP.

12.3 A Customer’s total Account Balance is comprised of the aggregate of their Sports Cash Account, Sports Bonus Account. Withdrawals cannot be made from the Bonus Account, but it can be used to make wagers. Funds from the Sports Bonus Account can be used to place wagers on “Sports” and “Live Betting” products.

12.4 Withdrawals may only be processed from your Sports Cash Account.

12.5 Any wagers made are deducted from the Sports Cash Account first, as the case may be. Real money funds will always be used to place wagers/bets before bonus funds.

12.6 Unless otherwise specified, all bonus and promotion offers are only redeemable once per Customer and a Customer may have no more than one active Sports bonus on his/her account at any given time.

12.7 Any bonus and any associated winnings will be automatically removed from a Customer's account upon the Customer requesting a Withdrawal before meeting the rollover or eligibility requirements of the applicable bonus.

12.8 If you wish to find out how much rollover requirement remains in respect of a given bonus, you may find it in the bonus Information page once logged in your account.

12.9 If you wish to cancel an active bonus, please contact Customer Service. Please note that in such circumstances, any amount (Sports Bonus Account, as the case may be) attributable to the active bonus will be removed, including any associated winnings.

12.10 All winmasters bonuses and promotions are intended for recreational players and winmasters may, in its sole discretion, limit the eligibility of Customers to participate in all or part of any promotion. winmasters reserves the right to request identification verification documents, including a photograph of the Customer with his identification document, prior to crediting a bonus to a Customer’s account.

12.11 Accetance of any winmasters offer, is considered as binding.

12.12 All management decisions are final.

Sports Bonus Terms

12.13 Unless otherwise specified, you must rollover the amount of your deposit and the corresponding Sports Bonus funds eight (8) times before the funds in your Sports Bonus Account are transferred to the Sports Cash Account and a Withdrawal of these funds may be made.

12.14 Unless otherwise specified, you must fulfil the rollover requirements within 60 days of the bonus being taken up, otherwise the funds held in your Sports Bonus Account will be forfeited.

12.15 Unless otherwise specified, to fulfil the bonus rollover requirements, all wagers must be made on odds of at least (1.80) or higher, excluding any type of handicap, Forecast/Tricast. In order for a multi-bet to count towards rollover requirements, each selection should be at odds equal or more than 1.20 and minimum total odds of 1.80. System bets does not count towards the rollover requirements.

12.16 Bets will only count towards rollover requirements once they have been finally settled.

12.17 Any bet ‘win’ resulting from funds wagered from the Sports Cash Account is credited into the Sports Cash Account as 'stakes and winnings' up to the amount of the initial deposit used to claim the bonus. Any further realized gains (stake and winnings) exceeding the initial deposit amount, are credited to the Sports Bonus Account and continue to be subject to the remaining applicable bonus rollover requirements.

12.18 Any bet profit resulting from mixed Sports Cash Account and Sports Bonus Account funds wagered, is credited into the Sports Bonus Account as ‘stake and winnings’ and is subject to the remaining applicable bonus roll-over requirements.

12.19 Only once the roll-over requirements are met in their entirety, within the designated period of time, shall the Sports Bonus Account funds associated with the bonus be automatically transferred from the Sports Bonus Account to the Sports Cash Account and a Withdrawal of these funds may be made.

12.20 Unless otherwise specified, should a Withdrawal from the Sports Cash Account be requested while there are funds in the Sports Bonus Account, the balance of the Sports Bonus Account shall be cancelled and forfeited.

12.21 winmasters reserves the right to cancel the bonus eligibility, bonus amount and any associated bonus winnings of a customer or a group of customers following suspicious common betting patterns that could result in generating guaranteed profit and/or guaranteed bonus eligibility. This suspicious activity might include, without being limited to, common betting patterns across identical events/markets/selections that could be identified in one or across several accounts.

12.22 Without derogating from anything stated herein, detection of an apparent relation between users, common betting pattern or any other abusive betting strategic which unfairly exploits or manipulates one or more bonuses or promotions offered by winmasters (to be determined at winmasters’s sole discretion) may result in the cancellation of the applicable promotion and any associated winnings, and may further result in the irreversible suspension of promotion and bonus eligibility.

12.23 Repetitive and conflicting bets will not count in the calculation of the bonus rollover.

12.24 The player is not allowed to place stakes higher than his initial deposit until he complete the rollover required. E.g. if the player has made a deposit of 50 EUR and received a bonus of 50 EUR, he has to place bets (according to the bonus minimum odd requirements) that are equal or smaller to his initial 50 EUR deposit before placing higher stakes. In the case of breach of this rule, bonus and relative winnings will be retracted.

Sports No-Deposit Free Bet Bonus

12.25 Unless otherwise specified, you must rollover the amount of the No-Deposit Bonus awarded ten (10) times before the funds in your Sports Bonus Account are transferred to the Sports Cash Account and a Withdrawal of any of these funds may be made.

12.26 Unless otherwise specified, the maximum withdrawable winnings from a Sports No-Deposit Bonus shall be five times (5X) up to 100 € the amount of the Sports No-Deposit Bonus credited to the Customer’s account. Amounts that exceed 100 € will be cancelled after the pass of 10 days

12.27 Any winnings from No-Deposit Bonus credited to a Customer’s Sports Cash Account may only be the subject of a Withdrawal upon the Customer making a deposit into his Sports Cash Account no less than the amount of the Sports No-Deposit Bonus from which the winnings were derived and not less than the minimum deposit limit.

Free Bet Voucher

12.28 Unless otherwise specified, any winnings earned from a Free Bet Voucher shall be credited to a Customer’s Sports Cash Account, and are withdrawable. The Free Bet Voucher amount shall not be stake-returned and it is retracted

12.29 A Free Bet Voucher shall only be valid on specified bet types, sports, leagues or events – as stated in the specific promotion terms.

12.30 No Free Bet Voucher may be used in portions. For example, if a 10EUR Free Bet is used for a 5EUR bet, then the unused 5EUR shall be forfeited.

12.31 The Free Bet Voucher shall always be used prior to real money funds from the Sports Cash Account - for example, if a customer is placing a 20 EUR bet and selects a 10 EUR Free Bet token, while having a balance of 100 EUR in his Sports Cash Account, then the total amount of the Free Bet will be used (10 EUR) and 10 EUR will be drawn from the Sports Cash Account.

12.32 Unless otherwise specified, Bets placed on Asian Handicap or Over/Under, and are half-lost, shall not count towards the eligibility requirements of a Free Bet Voucher, when such conditions are considered for lost bets only or for missed selections in an accumulator.

12.33 If a bet which contributed to the eligibility of a Free Bet Voucher has been cancelled, winmasters reserves the right to remove the Free Bet Voucher from the Customer’s account and shall, in its sole discretion, determine whether the Customer may be eligible for the promotion again.

12.34 If a bet contributing the eligibility of a Free Bet Voucher and a bet placed with the Free Bet Voucher cover opposite selections of one and the same event, any winnings shall be cancelled and forfeited.

12.35 Combo and System Bets, regardless of the number of individual bets placed, may contribute to the eligibility requirement for only for one Free Bet Voucher. For example, if a customer places three singles, as one bet, they shall contribute to the eligibility requirement for only one Free Bet Voucher. Further, if a Customer places a system of three doubles and one treble, the bets shall contribute to the eligibility requirement for only one Free Bet Voucher.

12.36 Any bets which contributed to eligibility requirement for a Free Bet Voucher shall not contribute to the eligibility requirement of any other offer.

12.37 Unless otherwise specified, any bets placed shall contribute to the eligibility requirements of a Free Bet Voucher first, before contributing the eligibility requirement of any other offer.

12.38 Bonus payment rules

- Bonus winnings contribute to the bonus balance by keeping the scale to the initial bet (e.g. If you place a wager of 15, of which 10 are real money and 5 are bonus money, and win 30, 20 will go to the real money account while 10 will go to the bonus balance, keeping the 2:1 scale)

- Real money winnings always contribute to the chronologically activated bonuses in the order of their release and eligibility with one bet contributing to one bonus only

- Real money winnings that remain after all bonuses are completed, contribute to the real money balance

- If a bonus expired or is cancelled, real money bets which were active before the expiry/cancellation will be added to the real money balance.

13.1 Cash Out is available on selected markets both pre-match and Live, on single and multiple/combo bets, for a variety of sports including but not limited to Soccer, Tennis, Basketball and Volleyball.

13.2 Cash Out will become unavailable if: Each Way terms change (either place or odds or both), points on which a bet was placed change for Handicap and Over/Under Bets, result changes on Asian Handicap Soccer Live.

13.3 winmasters cannot guarantee that Cash Out will be available on your bet selection. winmasters reserves the right to amend, suspend or remove the Cash Out at any time at any event, fixture or market. Any bets placed on such events, fixtures or markets will stand as originally placed.

13.4 Cash Out offers are available only within a specific time frame - any changes in the price or market during this time may result in a new Cash Out offer or in the suspension/removal of the Cash Out Facility.

13.5 Cashed Out bets will be considered and shown as settled. The outcome of the final market is not correlated with the bet settlement.

13.6 Cash Out bets are not included in the Sport Bonus Rollover Conditions. winmasters reserves the right to cancel any bonus affected due to system/human error.

13.7 A bet will be voided if the Cash Out used is placed on markets or odds affected by an error.

13.8 Bets placed using Free Bets cannot be subject to Cash Out, whereas bets placed using bonus money can. winmasters reserves the right to cancel any Free Bet affected due to system/human error.

13.9 Combo bets, placed together with system bets via the combo tab, cannot be the subject of a Cash Out.

13.10 winmasters will not be responsible if Cash Out is not available for technical reasons and bets will stand as originally placed during any such period.

13.11 When a technical error occurs and/or is identified during live betting or after the event has finished, the bet may not be cashed out. If the cash out bet settlement value has been accepted in error, the cash out transaction will be voided and the bet will be settled at the new, correct and revised price. During live betting, if the cash out bet settlement value has been accepted in error, the cash out transaction will be voided and a new Cash Out offer will be made available at the new revised price – provided that this is possible based on the remaining time before the end of the event. If subsequent attempts are made to place bets and cash out on the same markets, before the technical error has been corrected/ identified, then the cash out bet settlement value and the bet will be voided.

13.12 winmasters reserves the right to withhold, restrict or cancel Cash Out from any of its customers.

13.13 For the "Partial Cashout" option, the above terms and conditions also apply. There is no limit to the maximum number that the Customer may use the Partial Cash Out on the same bet, until the entire cash out offered amount at any given time is redeemed by the Customer.

13.14 General Terms and Conditions apply.