This is version 1.2 of the winmasters Terms & Conditions, last updated on 18/06/2019

1. General Introduction and definitions

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. B004 renewed on May 25th 2019 by the National Betting Authority of Cyprus (“NBA”). The operating website iswww.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 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 processor.

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 sports betting and other events; 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. Account Rules

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 and will proceed with a complaint submission to the relevant authorities . If the Company becomes aware that a user has more than one account opened/used, the Company shall immediately freeze the users’ accounts and will permanently close down the accounts, besides the initial one opened. Reimbursements of initial deposits are processed to the same payment method which was initially used and under no circumstances transfers of balances between user accounts are allowed. All winnings, bonuses and freebets as well as relevant winnings deriving from the use of granted bonuses and free bets through the use of the multiple accounts, will be cancelled.

Important notice: Name, username and currency cannot be changed post account creation. Based on Directive 16/2016, all amounts related to sports betting events that are offered in the website, are using EUR currency.

In order for the Client to request withdrawals, remove all initial limitations and have full rights in the promotions, the account must be verified within thirty (30) days from the registration date. 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 last four digits of the 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 case the company decides to close an account due to a KYC verification failure all winnings, bonuses and free bets along with winnings deriving from the usage of freebets and bonuses will be deducted, besides the initial deposit which will be reimbursed back to the same deposit method

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 (ranking between 1%-8% depending on the selected payment method), 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 non-residents of Cyprus

• 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 forsports betting events and the gambling operator's employees cannot participate at the sports betting events 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 sports betting events 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 is evidence of fixed game or fraudulent behavior, as defined and described in paragraph 10.5. In such cases winmasters reserves the right to void bets, prior to the start of the event. In case an obvious mistake on the price/odd is monitored and justified, bets will be settled based on the amended and correct price/odd.

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. Deposits & Withdrawals

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 (ranking between 0%-3% of the total withdrawal amount) 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, up to 3% of the requested amount. We also reserve the right to charge an increased fee for payouts, equal to 7.5% and minimum amount of €5 (five euro).

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

€ 1.200

0%

Bank Transfer

€ 50

€ 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 Unicredit Bank, Romania, 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

€ 1.200

0-3%

Bank Transfer

€ 75

€ 5.000

0%

Neteller

€ 20

€ 2.000

0-3%

Skrill (Moneybookers)

€ 20

€ 2.000

0-3%

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. Responsible Gaming

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 post 7 days period.

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 post 7 days period.

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.

4.6 When setting up your winmasters account, you may also choose to set a limit on the maximum amount of money that you can bet per day (24 hours) on the sports betting events. Once you reach the maximum limits you have set, then you will be refused any further bet /bets placement. You can set the limits under the following terms:

• A threshold limit set for the first time will be triggered immediately.

• A reduced limit will also be triggered immediately.

• An increased limit will be triggered in 7 days.

If you wish to remove a limit previously set, this action will be activated after seven (7) days. The limits are set in the currency of your account.

5. User Complaints

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 at any time to the National Betting Authority, 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 centre: +357 88 881800

Email: complaints@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:

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

6. Miscarried and Aborted Games

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. It is noted that if a customer places a bet, which has been accepted prior of any technical malfunction/disruption of the website, then the bet will be settled accordingly.

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 or potential system malfunction of winmasters backend, 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 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.

6.6 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. Breaches and Termination

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.

8. Privacy Policy

The Privacy Policy describes how www.winmasters.com.cy, operated by WM Interactive Limited (Cyprus) (or otherwise referred to herein as "us" or "we") treats your personal information and the data provided to us in order to be able to manage our relationship. We manage any personal information we provide to us (either through the website of winmasters or through any other similar means) and are kept by us in relation to you in the manner specified in this Privacy Policy, the European Regulation 2016/679 and the effect of the relevant laws and directives of Cyprus.

Who are we?

www.winmasters.com.cy, operated by WM Interactive Limited (Cyprus) which is a Cypriot Company whose registered address is at Kosta Anaxagora 21, 5th floor, Flat/Office 501B, Strovolos, 2014, Nicosia Cyprus, with company registration number AE3060 and is regulated by the National Betting Authority of Cyprus (NBA). WM Interactive Limited (Cyprus) is an oversea subsidiary of WM Interactive Ltd, which is a Maltese Company whose registered address is at 170, Pater House, Level 1 (Suite A174), Psaila Street, Birkirkara, BKR 9077, Malta, with company registration number C-65151.

We may be contacted at support@winmasters.com.cy

Our Data Protection Officer may be contacted on dpo@winmasters.com

Why do we collect Personal Data?

We need to collect data from you to be able to provide you with the service of Sports betting. This may include the need to share this data with our partner companies and service providers, with whom we would have established safeguards to protect your data (through contractual obligations for personal data protection measures), for the purpose of providing you our services as requested and thus requiring sharing of your data for the reasons mentioned in the section “How do we use your personal data”.When we provide sports betting services to our customers, we must collect personal data from you to comply with legal obligations related to our gaming licence obligations to the National Betting Authority, for company tax reporting obligations to the tax authorities in Cyprus and to meet our obligation to assist authorities, when requested, in the investigation of potential criminal activity.

We also have a legitimate interest to protect our services from promotion abuse, prevent fraud and internet security risks. This also allows us to ensure the security, integrity, accessibility and availability of our services.

We will also ask you if you wish to receive marketing communications from us or third parties, like our contracted service providers, on our behalf. You have the right at all times to withdraw your consent through your account profile privacy settings.

Personal data that we collect

Your personal information, which we collect and use, relates to the following:

• Personal identification and communication details provided to us by completing the registration form on the website or any other information you submit to us through the website or by email.

• Verification documents provided for Identity, Payment Method verification and other documentation we may request due to our obligations at law. The company may request any other information required for the purpose of confirming the source of wealth for the verification of player's transactions.

• Contact information through the website, email, telephone or other media.

• Your answers to questionnaires or surveys we conduct.

• Elements of transactions, including financial accounts information that you may provide us, made through the website, telephone or other media.

• Details of your visits to the site, including but not limited to traffic data, site information, weblogs and other contact information.

• Telephone calls or chat sessions to and from our Customer Service Department are recorded for security and education purposes along with the resolution of questions arising from the service provided to you.

We do not collect special categories of data such as personal data revealing racial origin, political opinions, religious or philosophical beliefs, or trade union membership, and the processing of genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation on a regular basis. However, we may receive such personaldata from you if you tell us that you have a problem controlling your betting activity. We would treat such data as equivalent to health data and protect it accordingly.

Use of Cookies

We use cookies as a means of collecting information from an internet server for the below reasons, at visiting of the site by a member. If you register with us or if you continue to use the website, you agree to the use of cookies.

Cookies contain information that is transferred to your computer's hard drive. They help us to improve the website and provide better and more personalized services. Some of the cookies we use are necessary for the operation of the site.

If you want to delete any cookies already stored on your computer or stop cookies that record your browsing habits on the webpage, you can do so by deleting your existing cookies and / or by changing your browser's privacy settings to block cookies (the procedure you follow will vary depending on the browser). Please note that by deleting our cookies or by deactivating our future cookies, you may not be able to access certain sites or services on the site.

How do we use your personal data?

We use your personal data to:

• Create, operate, and manage your account.

• Participate in games and perform relevant functions to participate in them.

• Carry out identification procedures for your participation in the game.

• Promote your bets, including card payments and online payments.

• Compliance with the legal and regulatory frameworks governing our operations, including transmission of personal details, personal data about transactions and traffic data to authorities.

• Creating personal profiles for Anti-Money Laundering Risk Assessment purposes.

• Tracking transactions for the purpose of preventing fraud, abnormal betting, money laundering and fraud, including exchanging personal data with our suppliers of Payment Processing services.

• Conducting research, questionnaires and analysis.

When you consent to, we use your data to provide you with information about site changes, new services and offers. In case you do not wish to receive marketing information, you have the right to leave this service. You can re-consent to be provided with marketing information by emailing our support department or by using the relevant function under “My Account”.

Personal data that is provided to us will be shared amongst group companies which will handle relevant aspects of processing in order to provide you with requested services.

To provide our services, and for the purpose of preventing illegitimate use of our services, we perform automated individual decision-making, including profiling.

Where do we keep your data?

We take all industry standard precautions to keep your personal data secure within our European Union physically located servers. These servers may in turn be accessed through encrypted connections over the internet. For this purpose, we have in place an Information Security Management System initiative that is working towards meeting the ISO27001:2013 standard.

Third Party Transfers of Data

We may transfer data you provide to us, or inferred data based on your data for multiple purposes as described in the following.

Transfers within our Group

Your personal data is transferred within our group companies which provide us customer data processing on the basis of a contractual agreement between us in line with the GDPR. Group companies process your data on our behalf to provide you with the following services:

• Customer Support

• Payment processing

• Anti-Fraud and Anti-Money Laundering checks

• Marketing (where consent has been provided – further information below)

We ensure that data transfers within group companies are covered with appropriate controller-processor contracts and safeguards as specified by the General Data Protection Regulation (EU2016/679).

Transfers outside of our Group to third parties

When processing your betting account and its associated transactions, we may need to appeal to credit rating agencies, fraud detection agencies and money laundering agencies in line with regulatory provisions from the relevant authority.

The purpose of such communications would be to ensure:

• Assess whether you may be a Politically Exposed Person or an individual subject to Financial Sanctions.

• Assess whether your personal details are similar to those of people suspected of having committed fraud or money laundering.

• Verify your personal details through electronic means by matching against third party databases.

• Where such information is requested by payment providers in relation to enquiries regarding fraud, we shall also provide such personal data as long as the request for information is aimed to protect your rights and/or, the legitimate interest of the company to protect itself from fraud.

We ensure that data transfers outside of group companies are covered with appropriate controller-processor contracts and safeguards as specified by the General Data Protection Regulation (EU2016/679).

Transfers to regulatory authorities

To satisfy our legal obligations, we may be requested to transfer your data to the:

• National Betting Authority of Cyprus (ΝΒΑ)

• Financial Investigations and Analysis Unit

• Sanctions Monitoring Board

• Maltese, Cypriot and other Tax Authorities with whom we are registered

• Other applicable Law enforcement bodies where so requested

This can include transferring of all personal details, verification documents, payment and betting transaction history, communications history and any other information we have about you. The methods of transfer of such data may be prescribed by the relevant authority, over which we do not have control.

Transfers for marketing Purposes

We will share personal data with marketing partners (network providers, banks, payment processors, affiliates, etc.) only based on a freely given, specific, informed and unambiguous consent from you. Such partners would be limited to receive contact information such as e-mail address and sports preferences for marketing reasons.

Your consent may be withdrawn at all times through “My Account” or by contacting us on support@winmasters.com.cy.

Should you withdraw your consent, the company will inform marketing partners to stop their marketing communications to you as soon as your wish is communicated to them.

Third Country transfers

The company does not regularly share any of the personal data you provide us to third parties (outside of group companies) located outside of the European Economic Area or countries considered by the EU to provide an equivalent standard of data protection.

If the company will in the future need to carry out such transfers of personal data to third parties (outside of group companies) to be able to provide you with your requested services, we will let you know of this and request your approval. In such a case, we would ensure to follow applicable data protection legislation, including adoption of Controller to Processor Standard Contractual Clauses as approved from time to time by the European Commission. Where necessary, we will seek guidance from our Lead Data Protection Authority to ensure that at all times, your personal data rights are respected and guaranteed.

Retention and Disposal of Information

After the closure of any account, we retain your data for a period of up to 10 years due to our legal obligations towards Anti-Money Laundering and Countering Finance of Terrorism, Company and Taxation record-keeping obligations.

Specifically:

• For up to one (1) year: Details of your visits to the site, including but not limited to traffic data, site information, weblogs and other contact information; Telephone calls to and from our Customer Service Department

• For up to six (6) years from last activity: Personal identification and communication details provided, contact information through the website, email, telephone or other media.

• For up to ten (10) years from last activity: Elements of transactions, including financial accounts information that you may provide us, made through the website, telephone or other media

• Personal data will be retained for a period of at least five (5) years from the date of the last transaction, and any of the account data will not be destroyed unless the period of five (5) years has elapsed and prior to the approval of the National Betting Authority.

We will also keep personal data for the purpose of presenting and processing in case of a litigation or a legal process which you, the relevant authorities or us may be party in, due to our provision of services to you.

If your account in any of the above cases is not active, then we will not process the data further except for complying with the above obligations.

All this information is stored in accordance with this Privacy Policy.

Your personal data rights

You have the right to:

• access to the personal information provided by you;

• request rectification of personal data that you consider incorrect;

• request for restriction of processing of data;

• request erasure of data;

• file an objection about processing of your data;

• request to export your data; and

• be informed about automated individual decision-making, including profiling; and

Your rights may be exercised in accordance with the Law, which might include restrictions on when you can exercise these rights. You can exercise these rights by contacting us on support@winmasters.com.cy

You have also the right to lodge a complaint with the Data Protection Authority of Cyprus, which is the Commissioner for Personal Data Protection whose website may be found at http://www.dataprotection.gov.cy/ . Further contact details of the Commissioner may be found below:

Office address: Iasonos 1, 1082 Nicosia

Phone: +357 22818456

Fax: +357 22304565

Email: commissioner@dataprotection.gov.cy

Changes to the Privacy Statement

Any changes we may make to our Privacy Policy in the future will be published from this page on the site and will be effective from the time of their posting. When changes are communicated to you, we will offer you the chance to preview these changes and decide whether you wish to remain our customer prior to these coming into effect.

This Privacy Policy was last updated on August 30th 2018.

9. Standard Promotional Terms

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, the entire sum of the nonus and any winnings resulting from this bonus will be deducted and winmasters shall transfer to you the remaining balance of the real-money wallet.

9.17 Subject to Clause 9.15 above, unless otherwise indicated in the applicable Specific Promotional Terms, all real money bonuses (bonus money with zero rollover requirements) 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. Non-legible Client is considered someone that does not fulfill the relevant criteria to participate in a Promotion.

9.21 winmasters reserves the rightto 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 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.

9.27 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.

9.28 winmasters reserves the right to alter, discontinue or terminate any Promotion, or any aspect of it, at any time, 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. Users that have already taken a bonus offer are bounded with the relevant T&Cs, under which they have accepted the offer.

9.29 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. Any change to the terms and conditions are subject to approval from the National Betting Authority and the users will be notified to accept the relevant changes of the terms and conditions.

9.30 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.

9.31 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. Sportsbook General Rules

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. Any change to betting limits, payout limits and offering will be subject to approval from the National Betting Authority and the users will be notified to accept the relevant changes of the terms and conditions.

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 to declare a bet void, totally or partly, if it is obvious that any of the following circumstances have occurred:

10.5.1 Bets have been offered, placed and/or accepted due to an Error; ("Error" is a mistake, misprint, misinterpretation, mishearing, misreading, bets on markets that have got removed from offer or got suspended, mistranslation, spelling mistake, technical hazard, registration Error, transaction Error, manifest Error, force majeure and/or similar.)

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

10.5.3 the integrity of the event has been called into question;

10.5.4 the price(s) or pool has been manipulated;

10.5.5 match rigging has taken place.

Evidence of the above may be based on the size, volume or pattern of bets placed with Winmasters across any or all of our betting channels.

A decision given by the relevant governing body of the sport in question (if any) will be conclusive.

10.5.6 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.

10.5.7 A result has been affected by criminal actions - directly or indirectly – and an official decision from relevant authorities is in place;

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

10.5.9 If for any reason we are unable to validate the outcome of a particular market (e.g. due to loss of live pictures), all bets will be void, unless settlement of bets is already determined. It is noted that the validation of the outcome is made under clause 10.6 by the official organizing authority / body of the respective league or corresponding event.

10.5.10 Voided prematch Bets:

a) Where an obvious error is identified (Incorrect Odd/Count/Line/Spread/Handicap/Total etc.) prior to the start of an event

b) Betting effected after the event has started and there is an official announcement by relevant parties;

c) Betting effected after a related event was underway and where conditions could have been altered in a direct and indisputable way and there is an official decision by relevant parties.

Note: in occasions where an obvious mistake on the price/odd is identified, the bets will be settled on the basis of the amended /correct price/odd.

10.5.11 Voided live bets:

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

b) 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);

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

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

e) Where an obvious error is identified (Incorrect Odd/Count/Line/Spread/Handicap/Total etc.)

10.5.12 Cancelled 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.

10.5.12 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.

10.5.13 A number of bets may be treated as being one when a customer places multiple copies of the same bet. When this occurs all bets will be voided apart from the first bet struck. A number of bets that contain the same single selection may be treated as being one. When this occurs all bets will be voided apart from the first bet struck. The use of a "banker" selection or selections to get round betting/winning limits is not permitted. Winmasters reserves the right to void any bets when 1 single selection (“a banker”) is combined with other selections to circumvent Winmasters’s online betting limits. When this occurs all bets will be voided apart from the first bet struck.

10.5.14 Where a number of bets, involving identical or very similar selections, are received by different customers within a short timeframe, Winmasters reserves the right to void all such bets, even after the bets have been determined.

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

10.6 For bet settlements purposes, statistics of the league/ event official governing body will be used. In the case where no official league/event governing body exists and/or statistics of the official league/event governing body are not available and/ or there is specific evidence/indications that these statistics are not correct, bets will be settled according to the statistics of Winmasters official data providers (SBtech).

10.7 If a bet was wrongly settled, for any reason, it will be resettled correctly accordingly and relevant winnings will be credited in your winmasters account. In case winmasters has mistakenly credits Your Account (for example settlement of a bet as won by mistake/wrong result) with winnings and/or funds, that do not belong to You, the amount will remain property of Winmasters and it will be transferred from Your Account. If prior to Winmasters knowing about the error, a withdrawal request has already been completed with funds that do not belong to You, the mistakenly paid amount will constitute a debt owed by You to Winmasters. In the event of an incorrect credit, automated efforts are made by the payment provider to retrieve this credit with a charge to your respective account and also You are obliged to notify Winmasters immediately by email.

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), until an official decision from the relevant authorities is announced. 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 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 0,10 EUR.

10.17 In case of an incorrect bet settlement for any reason, the settlement will be made based on the correct result and all winnings will be credited to your winmasters account. In case winmasters has credited by mistake (as a result of incorrect bet settlement as won) your account with winnings that do not belong to you, this amount will be deducted from your account. If the error is noticed by Winmasters after the credit of the money is completed, then the incorrectly paid amount is a debt owed to Winmasters. In such a case of incorrect credit, automated efforts are made by the payment service provider to correct the wrong credit by debiting your respective account, and you are also required to promptly update winmasters via email.

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 (based on article 22 of Κ.Δ.Π. 102/98).

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.

11. General Terms 0% margin

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. General Bonus Rules

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 bonus granting. 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.).

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.

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

12.5 After the player receives his bonus and starts betting, the first money spent are taken from the real-money wallet and after those are exhausted, the bonus wallet balance is used. During the bonus rollover period, a bet can be made partly from real-money and partly from bonus money, so winnings will be paid according to real-money or bonus money wallet. This is only applied in occasions where the real-money is not enough for the bet placement.

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 In case of a withdrawal request before completing the rollover requirements, the player has the right to withdraw the remaining balance of the real-money wallet while the entire amount included in the bonus wallet is deducted. Especially if the player violates the terms of the bonus offer from his first bet, then the amount of his deposit is reimbursed and relevant winnings are deducted. I.e. if the player decides to request a withdrawal before the bonus is rolled over by having a balance of 130 euro in his / her account, out of which 70 EUR are in the Bonus Wallets and 60 EUR in the real-money wallet, then 70 EUR from the Bonus Wallets are deducted, while 60 EUR from real-money wallet are released and available to the customer for withdrawal.

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 Acceptance of any winmasters offer, is considered as binding.

Sports Bonus Terms

12.12 Unless otherwise specified, you must rollover the amount of your deposit and the corresponding Sports Bonus funds five (5) 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.

12.13 Unless otherwise specified, you must fulfil the rollover requirements within 90 days of the bonus being taken up, otherwise the funds held in your Sports Bonus Account will be forfeited.

12.14 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.

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

12.16 Repeated single and pulse bets placed in the same event will not count towards the fulfillment of the turnover requirements. Only the first bet per event counts towards the fulfillment of the turnover requirements, provided it meets all bonus requirements of the bonus. The second bet and any pulse bet on the same event will be considered duplicates of the first and will therefore not count towards the bonus rollover requirements.

12.17 For very similar combinations / systems / yourbet bets (at the level of Sport, Championship, Event and Selection) that meet the bonus rollover requirements, only the first will count towards the fulfillment of rollover requirements. The second and any other identical bet (combo / system) will be considered duplicates of the first one and therefore will not count towards the bonus rollover requirements.

12.18 If two bets of combos / yourbet / system bets are placed on the same events and markets, but the outcome selections differ from each other (for example the first pair has Match No1 - Home Win, Match No2 - Home Win and Match No3 - Home Win, while the second Match No1 - Won Hunt, Match No2 - Hitting Victory and Match No3 - Winning Hits) will not be considered duplicates of the 1st and will therefore be counted towards a bonus.

12.19 A bet can count on the rollover requirements for just one bonus. In cases where two or more bonuses are active on the same player at the same time, the bet deemed to be the first bonus as a recurring bet will be checked if it can contribute to the rollover of one of the remaining active bonuses.

12.20 Repetitive single bets placed on a different selection of the same market will not count towards the fulfillment of the rollover requirements. In this case, only the first bet per market will count towards the rollover requirement if it meets all the bonus requirements. The second and any other bet on a different option for the same market will be considered as contradictory to the first and will therefore not count towards the bonus rollover requirements.

12.21 Only when the rollover requirements are met in full within the specified period of time the funds of the "Sports Bonus Account" will automatically be transferred from the "Sports Bonus Account" to the "Sports Real Money Account" and may be available for withdrawal request.

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

12.23 winmasters reserves the right to cancel the bonus eligibility, bonus amount and any associated bonus winnings of a customer 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 multiple accounts.

12.24 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 by winmasters) 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.

12.25 Recurring and conflicting bets will not count towards the bonus rollover requirements.

12.26 Users who have not made their first deposit are not eligible for a non-deposit bonus.

Free Bet Voucher

12.27 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 will be retracted.

12.28 A Free Bet Voucher shall only be valid on specified bet types, sports, leagues or events – as stated in the specific terms and conditions of the free bet voucher.

12.29 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.

12.30 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.

12.31 If a bet which contributed to the eligibility of a Free Bet Voucher has been cancelled, winmasters will cancel the Free Bet Voucher and any possible winning from the Customer’s account and shall determine whether the Customer may be eligible for the promotion again.

12.32 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.

12.33 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.

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

12.35 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.

12.36 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. Cash out

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.