Online Casino and Sports Betting
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1. INTRODUCTION

Welcome to Betmed Ltd (Betsson). Our goal is to entertain you while you are here. Because this is a betsson.info providing online gaming and betting, our activities are subject to a set of laws and regulations. These Rules are explained as clearly as possible within these terms and conditions ("the Contract").

Thank you for taking the time to read the Terms of Betmed Ltd. Here you will learn what you can and cannot do on betsson.info, how we use your personal information, and how we manage betsson.info.

If you still have questions after reading the terms and conditions, please contact us.

2. DEFINITIONS

• Excluded Player is a Player who cannot participate in Games of Chance, either on their own initiative or upon the request of their legal guardian to the persons organizing and/or conducting these Games, or by a court decision, or by a reasoned decision of Betmed Ltd.

• Anti-Money Laundering Authority is the Anti-Money Laundering Authority of Article 47 of Law 4557/2018 (A' 139).

• Unusual transaction or activity is a transaction or activity that is inconsistent with the transactional, business, or professional behavior of the transacting party or the beneficial owner, or with their financial status, or that has no apparent purpose or motive of an economic, professional, or personal nature.

• Online Betting or Bet, according to point c of Article 25 of the Law, is the Game of Chance conducted online and consists of the Players predicting the development and/or final outcome of any kind of events, including virtual events, the result of which is generated using a Random Number Generator.

• HGC (E.E.E.P.) or Authority is the Hellenic Gaming Commission.

• We is Betmed Ltd (hereinafter "Betmed Ltd"), a company based in Malta with registration number C95506 that provides betsson.info. Its registered office is at: Betsson Experience Centre, Ta' Xbiex Seafront, Ta' Xbiex, XBX1027, Malta. Betmed is part of the Betsson Group. Contact Telephone: +356 2260 3300.

• "we", "us", "our", "Holder", "License Holder" means Betmed Ltd acting on behalf of the Betsson Group.

• Electronic Player Account (EPA) is the unique account assigned by Betmed Ltd to each Player for their Participation in one or more Games organized and conducted by it.

• betsson.info is betsson.info through which the company conducts Games of Chance (or Games), including any version and application that allows access to it via mobile devices.

• Manufacturer is the person who manufactures (indicatively studies, designs, assembles, produces, programs) and in any way makes available to Betmed Ltd any Technical Means and Materials and is registered in the relevant registry maintained by the HGC.

• Anti-Money Laundering Regulation is the HGC decision number 554/5/15.4.2021 (B' 1663).

• Jackpot Feature is any fixed or progressively increasing value or combination thereof awarded to Players, which is regulated by the Game Manufacturer or Betsson, either at the Game level, or at the interlinked Games level, or at the system level, or in any combination of the above.

• Your Account is the Electronic Player Account you maintain on betsson.info.

• Other Online Games are casino games of chance, poker and its variations, provided online and conducted either live or using a Random Number Generator.

• Payment Method is a Money Transfer, debit card, credit card, prepaid card, electronic wallet (e-wallet), personalized device, cash, and any other means used by the Player to deposit and withdraw amounts during the conduct of the Games.

• Money Transfer is any transaction carried out, at least partially by electronic means, by a Payment Service Provider on behalf of a payer, with the purpose of making funds available to a payee through a Payment Service Provider, including: a) credit transfer b) direct debit c) remittance services as defined in Law 4537/2018 (A' 84), and d) transfer carried out using a payment card, any kind of electronic money, or any other personalized device with similar characteristics and functionality, according to the applicable provisions.

• Non-cooperative states are the countries and jurisdictions of par. 3 of Article 65 of Law 4172/2013 (A' 167) as well as the countries of paragraph 3 of Annex II of Law 4557/2018 (A' 139).

• Bonus refers to all promotional offers that provide a material reward, including: welcome offers, reload bonuses, deposit bonuses, free/bonus spins, free bets, and risk-free bets.

• Game Guide or Guide is the informational material posted on betsson.info by Betmed Ltd in the Greek language, which includes, per Game or group of Games, all necessary information for Player Participation, the rules and Conduct Terms of the Games, as well as the odds/payout table, where applicable.

• Terms are these terms, conditions, and rules that you agree to when using betsson.info.

• Player is the natural person who participates in the Games organized and conducted by Betmed Ltd.

• Gaming Activity is the sum of the data related to the Player's Participation in the Games.

• Gaming Session is the period from the moment the Player logs into their Electronic Account until the moment they log out. The duration of the Gaming Session cannot exceed 24 hours.

• Payment Service Provider is a credit institution or payment institution or electronic money institution that is established and operates legally in Greece or in another member state of the European Union or the European Economic Area.

• Privacy Policy is the License Holder's corporate policy regarding the personal data and information it collects, particularly regarding how data and information are collected, the purpose and legal basis for their processing, how they are used, shared, stored, and protected, and the rights of the data subjects.

• Affiliate is the person collaborating with Betmed Ltd to promote specific Games by placing links on their betsson.info, aiming to attract more players to the advertised online gambling License Holder's betsson.info, who fall under the provisions of Article 35 of the Law, have received a Suitability License from the HGC, and are registered in the corresponding Registry.

• Adhesion Contract or Contract is the contract concluded between the Holder and a natural person in order for the latter to legally participate in the Games of Chance conducted online.

• Participation is the entry of the Player's details/choices in each Game of Chance and its validation upon payment of a fee.

• Games of Chance or Games are Online Betting and Other Online Games (such as Casino, Live Casino, Sports Betting, and any other game on our betsson.info, including mobile platform versions and other platforms) that Betmed Ltd can legally organize and conduct in the Greek territory through betsson.info. We may remove or add Games to our betsson.info at any time in accordance with applicable regulations.

• Responsible Gambling refers to the set of regulations of the Gaming Regulation and HGC Directives aimed at ensuring that all gambling activities are conducted in accordance with applicable provisions, in a socially responsible manner, to minimize the negative impacts on Players from their participation in Games of Chance.

• Suspicious transaction or activity is one for which there are sufficient indications or suspicions of an attempt to commit or commission of the offenses in Article 2 of the AML Law, or the Player's or beneficial owner's involvement in criminal activities, based on an assessment of the Gaming Activity and Player data, such as the nature of the Gaming Activity, the category of Payment Method, the frequency, complexity, and amount of the transaction, the use or non-use of cash, profession, financial status, transactional behavior, reputation, past history, and other factors important for characterizing the transaction.

3. PURPOSE AND SUBJECT OF THE CONTRACT

This Contract includes the Terms and Conditions of use for the services of betsson.info and has been approved by the HGC with decisions numbered 559/2/21.05.2021 and 559/3/21.05.2021. Betmed Ltd has obtained a Type 1 Online Gambling License for Online Betting (No. HGC-001-LG) and a Type 2 License for Other Online Games (No. HGC-002-LG) in accordance with Law 4002/2011 and HGC decision number 79835 EX 2020/24.7.2020 on May 21, 2021, valid until May 21, 2028. The purpose of this Contract is to regulate the Player's Participation in the Games in accordance with the applicable legislative and regulatory framework for organizing and conducting the Games. By accepting it, the Player unreservedly agrees to abide by its terms, the Privacy Policy, and other corporate policies of the Holder related to Game Participation.

4. CONCLUSION AND MODIFICATION OF THE CONTRACT

a. The Contract and any modification thereof are approved by the HGC, otherwise Betmed Ltd does not post it on betsson.info.

b. The Contract and any modification are concluded once the Player accepts its Terms by clicking the Accept button. The acceptance of the Contract and any modification is done electronically in an explicit, indisputable manner. Accepting the Contract terms is a prerequisite for creating an Electronic Player Account.

c. In the event of a Contract modification, Betmed Ltd informs the Player during their first login to their Electronic Account following the posting of the modified Contract on betsson.info, specifically referring to the changes made.

d. Acceptance of the modified Contract is carried out by the Player accepting its terms during their first login following the posting of the modified Contract.

e. If the Player does not accept the modified Contract, it is terminated, and the relevant termination terms for closing and clearing transactions apply, in compliance with decision number 79835 EX 2020/24.7.2020, the AML Regulation, and applicable laws. This includes provisions such as Article 5.

5. CONDUCTED GAMES

The Games conducted by Betmed Ltd under the Type 1 License are Sports Betting. Similarly, the Games conducted under the Type 2 License are Other Online Games like Casino and Live Casino. To provide the Games, the company collaborates with Manufacturers registered in the relevant HGC registry. The specific Conduct Terms for each individual Game or category/group of Games are included in the Game Guide for Sports Betting and the Game Guide for Casino or Live Casino. Details such as the betting event environment, sport rules, Game rules, winning categories, winning odds, outcome generation method, minimum and maximum participation amounts, odds multipliers, betting odds determination method, tax calculation method on winnings, etc., are described in the specific Game Guides. The Player's Participation implies unreserved acceptance of the Game Guide.

We offer many games on betsson.info. Simply go to the game lobby and start playing by clicking on the game of your choice.

When playing Games on betsson.info, you must always follow the Game Guides and any specific Terms that may apply to individual Games offered on our betsson.info. Different specific Terms apply to different Games, which you can find inside each Game separately. Information regarding the Game Guides can be found in the following links:

• Sports betting

• Casino

• Live Casino

• Poker

• Virtual Sports

6. PARTICIPATION IN THE GAMES

This section describes the conditions for the Player's Participation in the Games.

6.1 Creating an Electronic Player Account

a. To create an Electronic Account so you can participate in Games on betsson.info, you must:

• Be over 21 years old, have full legal capacity, and face no other impediment to Participation;

• Be a natural person. You cannot be a company or legal entity;

• Play Games for yourself in a non-professional capacity, not on behalf of anyone else;

• Be legally permitted to play Games on betsson.info;

• Be a permanent resident of Greece or meet the conditions for creating a roaming electronic account according to the AML Regulation;

• Have accepted the Terms of this Contract.

Only individuals outside our organization can participate in gaming activities under the Terms specified in this document. You may only hold one account on this betsson.info. If you attempt to open other accounts besides your first one, we will Block or close the account. We may refuse to open an account for a valid reason.

To create an Electronic Account, the Player completes the relevant registration form available on Betmed Ltd's betsson.info. Before filling out the registration form, the Player must carefully read the Contract Terms and Betmed Ltd's Privacy Policy. Specifically, the steps the Player must follow to open an account are: Click the "Create Account" button. Accurately complete the registration form, providing among other things:

• Your valid email address

• A Password

• Your full name

• Your current address

• Your mobile phone number

• Your date of birth

• Your gender

• Your nationality

• Your identification details

• Your Deposit Limits

• Your Net Loss Limits

• Your Maximum Participation Time Limits

Click the "Create Account" button to confirm that the registration info is correct and that you agree to the Terms and Conditions. You can now log in using your registered credentials. You can play any game on betsson.info provided you have sufficient funds.

b. Betmed Ltd obligatorily checks the excluded persons registry maintained by itself and the HGC to verify that the person requesting an account is not registered in it. The account creation request is rejected if the person is registered there. You expressly and irrevocably agree to be included in the HGC excluded registry if you choose to self-exclude from gambling, either temporarily or indefinitely. You also declare full awareness and acceptance that inclusion in the Excluded Registry will result in your exclusion from participating in any licensed operator's gambling activities in Greece.

c. The person interested in creating an Electronic Player Account declares and warrants that: aa. They have full legal capacity and no impediment to participating in the Games. bb. They are at least 21 years of age. cc. Their Participation is a free, independent personal choice made without provocation or instigation. dd. They must use the Electronic Player Account exclusively for their own behalf and not for any third party. ee. They must inform Betmed Ltd without undue delay of any change in personal information provided during registration and/or subsequently. ff. They possess the required software and hardware to use the services and receive updates and notifications from Betmed Ltd.

d. To access and operate their Electronic Account, the Player must use a unique Username combined with a secret Password. This combination is unique to each Player, is used for identification, constitutes a presumption of use of Betmed Ltd's services, and confirms acceptance of the Contract Terms. Subject to any additional authentication/security measures applied during financial transactions by payment clearers or the Holder's software, it demonstrates the Player's intent to conduct transactions in their name and confirms their Participation is entirely voluntary.

e. The Player must keep their login details safe, use them secretly, change them periodically, and notify Betmed Ltd without undue delay if they realize any loss or illegal use. The Player must change their login details whenever required by Betmed Ltd's internal privacy policy. If you share your login details with third parties, even accidentally, you are responsible for any misuse of Your Account. Betmed Ltd bears absolutely no liability for funds or data the Player has lost or may lose due to unauthorized Account use or improper use of login details. The Player is solely responsible for keeping their details confidential and securing any associated email, PC, or device used to access their Account. The Player is solely and fully responsible for any misuse of their login details or devices. If they realize their details have been shared, they should notify Betmed Ltd immediately so we can provide a new password. Any unauthorized use of your Username and/or Password, unless caused by our negligence, is your sole responsibility and will be considered your use. The identity verification process is repeated by Betmed Ltd whenever there are doubts about the validity, accuracy, and/or completeness of provided details. Therefore, you agree that we may verify your identity at any time when there is a legitimate reason to do so.

f. Betmed Ltd consistently applies due diligence measures under Law 4557/2018, the AML Regulation, and its corporate policy. It may take any appropriate measure, including blocking the Player's Account, refusing services, payments, or winnings certificates if identity verification terms are not met, or if, based on risk analysis and applied tools, it detects or has serious indications/suspicions of Suspicious or Unusual transactions. Betmed Ltd may refuse services if the Player is a national of a country designated by the European Commission as high-risk for money laundering and terrorism financing, or belongs to Non-Cooperative States, or is included in relevant authority lists or HGC restrictive measure registries, or upon prosecutorial/AML Authority order.

g. Betmed Ltd uses special systems to verify Player details, including identifying devices used for Participation and evaluating Gaming Activity patterns. Betmed Ltd may apply "Strong Customer Authentication" (2FA, SCA) equivalent to EU Directive 2015/2366, using two or more elements categorized as knowledge (something only the user knows), possession (something only the user possesses), and inherence (something the user is), which are independent of one another.

h. Betmed Ltd provides the Player full access to Account information (balances, gaming history, deposits/withdrawals, transactions) through their Electronic Account. Records and data are kept for ten (10) years and are available to the HGC and other authorities, respecting Data Protection laws and the Privacy Policy. Transactions exceeding AML limits are conducted only if it's verified beforehand that the payment account belongs to the Player. Betmed Ltd takes appropriate measures to manage operational/security risks and applies effective incident management procedures. Betmed Ltd is not liable for damages caused by the Player's acts or omissions leading to improper Account use. Information provided on betsson.info (matches, odds, results, etc.) is for personal use only; commercial exploitation is strictly prohibited. Information provided does not constitute advice or recommendations to participate. The Player is forbidden from using the services for anything other than Participation. Betmed Ltd uses cookies to track traffic. The Player can refuse cookies, except those reasonably required for lawful and proper service provision.

i. We reserve the right to request proof of age and verify provided information. If we find you are under 21, we will immediately close Your Account, refund your deposits, and void any winnings, Bonuses, and pending bets.

j. We are obligated by law to ensure you are who you claim to be and that funds used are yours and obtained legally. We may perform third-party searches, cross-reference data with databases, and request documents to validate your account and funds. Failure to provide requested info (or providing false info) will result in restricting/closing your account and/or reporting you to the HGC and/or AML Authority.

6.2 Electronic Player Account Status

The following Account statuses apply:

6.2.1 Temporary Electronic Account:

a. Upon creation, the Account is set to "Temporary" until required details are submitted and verified under the AML Regulation, proving that: aa. The details correspond to a real person. bb. The person the account was created for is the same one who requested registration. cc. The person is actually the individual whose details were submitted.

b. While "Temporary", the Player: aa. Cannot deposit amounts exceeding the AML Regulation limit (specifically €800 in total). bb. Cannot make withdrawals.

c. If the Account is not finalized within 30 days, Betmed Ltd will place it in a "Blocked" status, stop accepting transactions, and give an additional 30-day deadline to provide required verification documents. If provided, the Account is activated. If the deadline passes or documents are insufficient, the Account will be closed, and transactions will be cleared according to the AML Regulation.

6.2.2 Inactive Electronic Account

a. According to HGC decision 79835 EX 2020, an Account becomes "Inactive" after 12 months of no Participation. At least 30 days prior, the Player is informed that the Account will become "Inactive", and that: aa. Participation is not allowed. bb. Maintenance fees of ten (10) Euros per month may apply. cc. The Player retains access to Account management (excluding Participation). b. If 12 months pass after becoming "Inactive" without activation or Participation, Betmed Ltd will close the Account and terminate the contract. c. One Participation before the 12-month period expires removes the "Inactive" status. d. After becoming "Inactive", the Player can: aa. Request to close the Account and withdraw the balance (minus fees). bb. Request Account activation. Betmed Ltd may require repeating the identity verification process.

6.2.3 Blocked Electronic Account

An Account is "Blocked" in the following cases: a. Temporary abstention or self-exclusion. b. Prosecutorial order. c. At HGC's discretion for integrity and public order reasons. d. At Betmed Ltd's reasoned discretion, based on risk analysis and AML policies regarding Suspicious/Unusual Transactions or game integrity violations. e. For special reasons, e.g., suspicion of fraud, collusion, etc.

Additionally: a. Participation and deposits are not allowed in a "Blocked" Account. b. No fees are imposed. c. The "Block" is lifted when the reasons cease to exist. d. If not lifted within 24 months, Betmed Ltd will close the Account. e. If unsettled Participations exist, Betmed Ltd will settle them in accordance with AML regulations. f. Withdrawal requests made during a "Block" will be handled based on the reasons for the Block and AML regulations.

Betmed Ltd imposes Blocks based on objective data and sufficient justification. Special attention is given to account takeovers, using IP tracking, behavior patterns, security questions, and 2FA.

6.2.4 Closed Electronic Account

An Account is "Closed" in the following cases: a. Immediately upon the Player's request. b. 30 days after the identity verification deadline expires, if details are unconfirmed. c. Immediately upon the Player's request for indefinite self-exclusion. d. If Betmed Ltd finds strong evidence that registration information is false or inaccurate. e. 12 months after becoming "Inactive". f. 24 months after becoming "Blocked". g. For specific, justified reasons (fraud, collusion, Contract violation, etc.).

Additionally: a. A new Account cannot be created until 12 months after closure (exception: case b, provided case d does not apply). b. Closing the Account terminates the contract. Transaction data is retained as required by law. c. Any credit balance in a closing Account is paid to the declared account ASAP, usually within 3 business days, subject to AML rules. d. If the Account is "Temporary" upon closure, winnings are not paid out; the balance is cleared subject to AML rules. e. If Betmed Ltd suspects funds are linked to criminal activity or terrorism financing, it applies AML laws.

6.2.4.1 General Instructions for Closing an Account

You can close Your Account at any time by contacting Customer Support at support-gr@betsson.gr.

When closing Your Account:

• You must cancel any pending offers or bets.

• Email Customer Support explicitly requesting closure.

• We will transfer all funds (minus withdrawal costs) to bank accounts or payment options in your name.

6.2.5 General

We may refuse to open an Account for a valid reason. We do not give credit, except for Bonuses. Account balances do not accrue interest. We are not a financial institution. If you use betsson.info for purposes other than gaming and recreation, we may close Your Account. We may close Your Account, void/refund winnings, withhold winnings, or apply charges (for damages caused by you) under applicable regulations. If we suspect illegal/fraudulent activities or actions detrimental to betsson.info, we may block/close Your Account and void your Bets. All transactions are monitored for anti-money laundering purposes.

6.3 Limits and Restrictions on Gaming Activity

6.3.1 Limits set by the Player

a. Deposit Limit You must set maximum deposits per day, week, or month. This automatically blocks further deposits if exceeded. b. Loss Limit You must set the amount you are willing to lose. You can choose a daily, weekly, or monthly limit. c. Time Limit You must set a daily, weekly, or monthly time limit for playing our Games.

Time limits run from 00:00:00 to 23:59:59 (daily), Sunday to Saturday (weekly), or the first to last day of the month (monthly). Limits are updated after their current period expires, except for stricter limits, which apply immediately. Time limits count active Game Participation time, including RNG-based virtual events. To update limits, go to the "Responsible Gambling" tab in "My Account". Customer Support can assist via email, Live Chat, or phone callback.

6.3.1.1 Staying in control of your limits

When playing on betsson.info, an automatic notification appears when you reach 80% of any limit. You are also notified at 100%.

6.3.2 Limits set by HGC decision 79835 EX 2020

a. 24-hour maximum Gaming Session limit. Measured from login, regardless of active play. b. €20 maximum participation limit per play in RNG Other Online Games. c. €140,000 maximum win limit per Game Cycle in RNG Other Online Games (excluding Jackpot awards). d. €500,000 maximum reward limit from a single Jackpot Feature (does not apply to poker tournaments). e. €100,000 maximum win limit per Bet.

6.3.3 Limits and Restrictions set by Betmed Ltd

a. Participation Amount Limits:

1. Casino games, poker (RNG): Min €0.01, Max €20.

2. Betting: Min €0.10.

3. Live Casino games (live dealer): Limits are defined in the specific Game Guide. b. Maximum Win Limits:

4. Betting: Max €100,000 per bet. If identical bets exceed this, we reduce the Bet and refund the stake to comply.

5. Casino/Poker (RNG): Max €140,000 per Game Cycle.

6. Live Casino (live dealer): Defined in the specific Game Guide.

a. We reserve the right to unilaterally restrict Gaming Activity or transactions if we assess a risk of illegal acts, based on risk factors, frequency, unusual patterns, etc. b. We may restrict Activity/transactions during loyalty programs, provided the Player has consented to their terms. c. We have the right (and obligation) to restrict Activity/transactions under Responsible Gambling principles if a Player exhibits problematic behavior.

6.4 Rewards – Loyalty Programs

a. We reward Players through loyalty/bonus programs designed in accordance with applicable laws. b. Terms apply equally to all Players meeting the program conditions. c. Betmed Ltd may cancel or modify any program at its discretion. d. We do not retroactively alter the terms of an already granted reward. e. Betmed Ltd may revoke an already granted reward if obtained fraudulently, by error, or through illegal/abusive practices.

6.4.1 Specific Bonus Terms and Rules

a. Welcome Bonuses are only for new customers opening their first account on betsson.info who have been invited to participate. b. Some Bonuses require manual activation from Your Account after depositing the required funds. If you play your deposited funds before activating the Bonus, lost funds cannot trigger it. Bonus funds are kept separate from your cash balance. Real money associated with Bonuses, the Bonuses, and their winnings remain restricted until wagering requirements are met. If you forfeit a Bonus before meeting requirements, you can withdraw your initial capital without any winnings. c. All Bonuses have wagering requirements that must be met within a specific timeframe. System Bets do not count toward wagering requirements. Only bets placed and settled during the offer period count. d. Risk-free bets (e.g., betting Over 2.5 and Under 2.5 on the same game, or Red and Black in Roulette) do not count toward wagering requirements. Collusion with other Players will result in voided bets, Account closure, and confiscated winnings. e. If we suspect syndicate betting on Bonuses offering guaranteed/enhanced chances, we may withdraw the Bonus, void winnings, and close Your Account. f. Canceling a Bonus means losing it and its derived winnings. g. We may refuse or modify a Bonus if we suspect Bonus abuse or if technical issues arise. h. "Abuse" includes using software or opening multiple Accounts to gain an unfair advantage. We reserve the right to withhold winnings and close Accounts in such cases. i. All Bonuses are intended for recreational Players. We reserve the right to restrict eligibility. j. The maximum withdrawal from no-deposit bonus/free spin winnings is €200. k. Unless stated otherwise, a maximum bet of €6 per game round applies to Casino Bonuses. Exceeding this may result in Account closure and confiscated Bonus/winnings. l. Irregular play (low margin betting, zero-risk betting) is considered Bonus abuse and is strictly prohibited on betsson.info.

6.5 Jackpot Feature

a. A Jackpot Feature is a fixed or progressive value awarded to Players. b. Joint Jackpot operations across multiple License Holders are prohibited. c. The maximum progressive Jackpot reward is €500,000. Excess accumulated amounts transfer to another Jackpot. d. If a Jackpot is reduced or abolished, accumulated amounts transfer to another Jackpot within 3 months. e. The winning Player is informed of a Progressive Jackpot win continuously until the end of the current Game. f. All participating Players are notified when a Progressive Jackpot is won. g. All participating Players can see the current Progressive Jackpot amount after a win. h. If a Jackpot must be terminated (e.g., malfunction), Players receive a clear indication that it cannot be won. i. A reactivated Jackpot resumes with the exact parameters it had before interruption. j. If tied to a base game, the base game is only offered when the Jackpot is available. k. The Game Guide informs Players about Jackpots, including maximum prizes, funding methods, minimum participation, and rules for simultaneous wins.

We offer fair, open, and transparent Jackpots for recreational Players. If we suspect abuse (e.g., software-assisted simultaneous play), we reserve the right to suspend your access.

6.6 Responsible Gambling

Gambling can be addictive and financially/psychologically harmful. Betmed Ltd takes steps to minimize these risks: a. Ensures Games are conducted reliably, safely, and legally, excluding minors under 21 and protecting vulnerable groups. b. Continuously monitors Responsible Gambling developments and research. c. Provides a dedicated Responsible Gambling section on betsson.info with information on age limits, risks, problematic behavior, and toll-free support numbers. d. Develops methodology to assess Player Activity for risks of problematic behavior. e. Discretely urges Players to play within their means. f. Urges Players showing signs of problematic behavior to take breaks (cooling-off) or a 24-hour timeout. g. Urges Players with problematic behavior to self-exclude. h. Offers an anonymous self-assessment test accessible to anyone without logging in. Results are stored only locally on the user's device and not processed/saved by our systems. i. Recommends support centers to Players with problematic behavior. If you are concerned, take the Self-Assessment Test (Ferris & Wynne). j. Excludes the Player and closes the Account based on a court or guardian order. k. Reserves the right to unilaterally self-exclude a Player who exhibits problematic behavior but refuses to self-exclude after repeated urging.

By accepting these Terms, the Player consents to having their Gaming Activity evaluated for Responsible Gambling purposes.

6.7 Player Exclusion

You can request a 24-hour timeout, temporary self-exclusion, or indefinite self-exclusion via the Self-Exclusion page in Your Account. For a 24-hour timeout, contact customer service. Your Account reactivates automatically. Temporary self-exclusion can last from one month up to one year. Your Account reactivates automatically. Indefinite self-exclusion automatically closes Your Account.

Upon requesting a timeout or temporary exclusion, the Account is "Blocked". Upon requesting indefinite exclusion, the Account is "Closed" and the Contract is terminated. Credit balances are cleared as per Section 6.2.4. A new Account can only be requested after at least 1 year from the start of an indefinite exclusion. Excluded Players are added to Betmed Ltd's and HGC's excluded registries. Registration in HGC's registry excludes the Player from all licensed operators. Deposits are not allowed before cross-checking with the HGC registry. Excluded Players do not receive commercial communications. Betmed Ltd may unilaterally exclude a Player showing problematic behavior who refuses to do so themselves. Self-exclusion voids your right to participate in unredeemed competitions, draws, or non-monetary prizes (e.g., event tickets).

6.8 Money Transfers

a. Payments are made directly to/from Betmed Ltd via lawful Payment Service Providers within the EU/EEA. b. Deposits are non-interest bearing. c. Transferring funds between Player Accounts is prohibited. d. Deposits are strictly for Game Participation. e. Betmed Ltd may deduct explicitly stated fees and charges from the Account. f. Betmed Ltd provides a monthly Account statement upon Player request. g. "Inactive" Accounts with balances are protected by security measures. h. Erroneously credited winnings belong to Betmed Ltd and will be deducted. If the balance is insufficient, the Player owes the difference. i. Players can withdraw balances provided all AML verification requirements are met. j. Betmed Ltd is responsible for transaction legality and implements security checks on deposits and withdrawals. k. Betmed Ltd may refuse/cancel a transaction if its legality is highly questionable. l. By accepting the Privacy Policy, the Player consents to the processing of bank account data for transactions and AML verification. m. Betmed Ltd issues withdrawal payment orders within 48 hours of request, subject to extensions for necessary AML/security checks. n. Betmed Ltd may offer Cash Out on bets at its discretion. o. Cash Out is final and waives the Player's right to the original bet's payout. p. For peer-to-peer Games in non-Euro currencies, Betmed Ltd informs Players of exchange rates and fees. q. If a Player uses payment accounts they do not own, transactions are voided, deposits returned to the legitimate owner, and winnings forfeit.

6.8.1 General Rules for Money Transfers

You agree that all deposits/withdrawals use payment methods belonging exclusively to you and in your name, and that funds are not from illegal activities. Payment method info is on the "My Account" and "Deposit" pages of betsson.info. You agree to any applicable fees. Depositing illegally obtained funds is unlawful. We accept payments in EURO. For card payments, we may request a copy of the card (showing only the first 6 and last 4 digits; CVV hidden). The card must be in your name. We do not accept direct cash.

6.8.2 Payments

Winnings are credited after a Game/event is settled. Erroneously credited winnings will be deducted. If already withdrawn, you must return them; otherwise, we will seek legal recovery.

6.8.3 Withdrawals

You can withdraw your "Available Betting Balance" via a valid request on betsson.info. Account funds must be used for Games on betsson.info. We may refuse withdrawals suspected of fraud or money laundering. We may request ID documents (passport, ID) or conduct phone/personal verification before approving withdrawals. You may withdraw a maximum of €50,000 per 24 hours. Withdrawals must use the same method as the deposit. We may split withdrawals across multiple methods if you used various deposit methods. If you play your funds before a withdrawal is processed, the request will be canceled for the used amount. We may charge a 2% fee (minimum €5) if you make more than 25 withdrawal requests in one calendar month.

6.8.4 Chargebacks

A chargeback occurs when a Player disputes a card charge with their issuer. If a chargeback is requested, we may Block Your Account, send a chargeback notice, and use your selected payment method to process it.

6.9 Player Winnings Taxation

Winnings are taxed according to Greek Law 2691/2001. Betmed Ltd automatically deducts the tax and remits it to the state. Current Greek tax brackets: Betting and Virtual Sports (per ticket):

• Up to €100: Tax-free

• €100.01 to €200: 2.5% (on the amount exceeding €100)

• €200.01 to €500: 5% (on the amount exceeding €200)

• Over €500.01: 7.5% (on the amount exceeding €500)

Casino Games (including Poker):

• Up to €100: Tax-free

• €100.01 to €500: 20% (on the amount exceeding €100)

• Over €500.01: 30% (on the amount exceeding €500) *For poker tournaments, tax is deducted separately upon prize payout.

You are solely responsible for reporting any taxes applying to you.

6.10 Player Winnings Certificate

a. Upon request, the Player can receive a certificate for total winnings paid in the previous year, subject to AML policies. b. Full identity verification is required. c. Betmed Ltd may refuse a certificate based on AML Law 4557/2018.

6.11 Cancellation of Events, Participations, and Transactions

Betmed Ltd applies a cancellation policy: a. Evaluates information affecting an event's integrity. b. Must cancel offers/settlements if: aa. There's evidence compromising market integrity, Suspicious/Unusual Transactions, or collusion. bb. Events violate laws or Game Guides. cc. Ordered by authorities. c. May cancel offers/settlements due to human/technical errors (e.g., incorrect odds, time errors, crediting errors). d. Treats similar cases equally. e. Applies cancellations promptly. f. The Game Guide may specify further cancellation cases and odds reallocation rules.

Betmed Ltd is not liable for technical errors, downtime, or data corruption not caused by its gross negligence or intent. In such cases, we may void transactions and demand the return of winnings. Fraud, match-fixing, and software-assisted betting are prohibited. We void Bets entirely or partially if we suspect:

• Influence over an event's outcome.

• Insider information was used.

• Arbitrage or free bet abuse.

• Criminal activity affected the event.

• Significant odds changes (e.g., due to public announcements).

• Bets were accepted due to technical errors.

6.11.1 Non-Completion and Cancellation of Games

Betmed Ltd is not liable for server downtime or technical delays. Refunds are at management's discretion. Betmed Ltd is not liable for damages from:

• Operation/transmission delays.

• Data loss/corruption.

• Communication line failures. In case of a casino system malfunction, all bets are void. If a Game is not completed due to system error, the bet is refunded to Your Account. If a telecommunications error interrupts a Game after a bet, it resumes from that point. If impossible, the Game is terminated and the bet refunded.

7. PRIVACY POLICY

The License Holder applies a Privacy Policy in compliance with GDPR (EU 2016/679) and Law 4624/2019. You can read the Privacy Policy on betsson.info. Accepting the Terms implies full acceptance of the Privacy Policy.

8. LIMITATION OF LIABILITY

The Holder's liability is limited/lifted in cases like technical malfunctions, network interference, data loss, or voided events not resulting from the Holder's gross negligence or intent. You use betsson.info and Games at your own risk. They are provided "as is". We do not guarantee uninterrupted access but ensure systems comply with technical specifications. We are not liable for direct/indirect losses related to your use of betsson.info not resulting from our unlawful acts. You agree to indemnify us for any costs or damages arising from your unlawful use of betsson.info.

9. CUSTOMER SERVICE

We operate a 24/7 customer service unit via Phone, Email, and Chat. An FAQ section is available on betsson.info. The Holder must answer requests promptly. The Player is informed if calls are recorded. When communicating with us, you must not use language that is:

• Sexual or offensive;

• Derogatory or incites hate;

• Abusive, defamatory, or harassing to our staff. We record all communications.

10. COMMUNICATION - PLAYER INFO

a. Communication is done via Account messages or the email provided by the Player. b. Notifications are deemed received on the transmission date. c. Using multiple email addresses is prohibited. d. Commercial communication requires explicit, separate opt-in consent. e. Players can revoke commercial consent at any time. f. Such communication is considered written communication. g. The regulatory framework is posted on betsson.info and HGC's site.

10.1 When Talking to Each Other

If chat tools are provided, do not:

• Use sexual/offensive language;

• Incite hate;

• Encourage antisocial/illegal activities;

• Harass/threaten others;

• Disrupt dialogue;

• Advertise other entities/forums;

• Make false/malicious statements about betsson.info. Suspicious chats are reported to the HGC. We monitor all chats. Rule violations may lead to chat bans or Account closure. We are not liable for damages arising from chat.

11. COMPLAINTS

a. Players can submit complaints regarding Games/transactions using the form on betsson.info and emailing support-gr@betsson.gr within 48 hours of the event. b. Complaints must include Name, DOB, ID/Passport number, Address, and preferred reply method, along with a copy of ID. c. The complaint must describe the events and include supporting evidence. d. Betmed Ltd responds within 10 days. e. If unsatisfied, the Player can request an HGC review within 10 days of our response, copying Betmed Ltd, which will forward the file to HGC. f. We may ignore abusive repetitive complaints. g. We do not disclose confidential information.

If you have a complaint, contact support-gr@betsson.gr or call the toll-free line +800127010. If unresolved, submit the Complaint Form to csmanagement@betsson.gr. We will provide a final answer within 10 days. Claims regarding transactions must be submitted within 6 months. If dissatisfied with our decision, you can request an HGC review within 10 days, notifying us so we can forward the data.

11.1 Anti-Money Laundering Complaints

We monitor transactions and report suspicious ones. Report any suspicious activity to support-gr@betsson.gr.

12. INTELLECTUAL PROPERTY

By accepting the Contract, the Player acknowledges that all betsson.info content is the intellectual property of the Holder or its partners. Commercial use, reproduction, or distribution is prohibited without written consent. Specifically:

• The "Betsson" trademark/logo is ours.

• Unauthorized use of the betsson.info URL on other platforms is prohibited.

• We own the technology/software rights.

• betsson.info content is copyrighted. Registration grants no IP rights.

• Automated scraping of our webpages is forbidden.

13. DISPUTE RESOLUTION

a. Disputes fall under the exclusive jurisdiction of the Courts of Athens. b. Parties must attempt an amicable settlement, notifying the HGC. c. If amicable settlement fails, parties may use Alternative Dispute Resolution (ADR) bodies, notifying HGC. d. HGC may prohibit amicable settlement/ADR if it conflicts with laws. e. Settlements do not waive the right to go to court. f. Settlements do not waive HGC's right to impose administrative sanctions.

14. EVIDENTIARY VALUE

a. Electronic records of transactions and Participation in the Central IT System constitute full proof of their content and time. b. Accounting/supervisory records have full evidentiary value. c. In case of erroneous money transfers, the Player waives the right to request cancellation. The Terms are the full agreement between us. The Greek version is the legal basis; translations are for convenience. Client funds are kept in a separate account but are not protected in the event of bankruptcy.

15. ASSIGNMENT

The Player is strictly prohibited from assigning rights/obligations to third parties.

16. DURATION - TERMINATION OF THE CONTRACT

a. The Contract lasts as long as the Holder legally provides services and the Player uses them legally. b. It can be terminated without notice by either party at any time. c. Termination occurs via a Player's Account closure request (sent to support-gr@betsson.gr) or by the Holder. d. Termination closes and clears the Account. Confidentiality, Personal Data, and IP Rights survive termination.

17. OTHER TERMS

a. The Terms constitute the full agreement. b. Unregulated issues are governed by applicable law, which overrides conflicting Terms. c. If a Term is invalid, the rest remain valid. d. The Holder may adjust invalid terms with HGC approval. e. Governed by Greek Law. Disputes are subject to the Courts of Athens. The Greek version prevails over translations.

18. APPENDIX

Specific Game Rules: Playing a Game constitutes acceptance of its specific rules found in the Game Guides on betsson.info.