GENERAL TERMS AND DEFINITIONS TERMS OF USE OF THE SERVICES

1. INTRODUCTION

KEY DEFINITIONS AND WHAT MAKES UP YOUR TERMS OF USE

The following definitions are used in these terms and conditions:

‘Access Device’ means any electronic means of accessing the Services, including, but not limited to, computers, smartphone devices, feature phones, tablet devices, touch devices or any home entertainment system such as video games consoles and smart TVs (or by any other remote means);

‘Bonus Terms’ means any terms and conditions and/or rules with regard to promotions, bonuses and special offers which may apply to any part of the Services from time to time;

‘Supervision institution’ means the supervision institution of commercial gambling in Curacao;

‘General Terms’ means the terms and conditions set out in this document;

‘Operator’ means RRC N.V. – Schout bij Nacht Doormanweg 40, Curaçao. Under licence #8048/JAZ2020-050, was founded in Curacao, and laws of Curacao apply to its activity;

‘Privacy Policy’ means the Operator’s privacy policy accessed via the Privacy Policy link, which is an inseparable part of these Terms and Conditions;

‘Rules’ means the Betting Rules and the Game Rules specifically applicable to the relevant type of betting and/or gaming, as identified in more detail in paragraph 1.2;

‘Services’ means, as appropriate, the services offered for the time being by the Operator through the Website and/or via any Access Device application;

‘Terms of Use’ means

(a) the General Terms;

(b) the Privacy Policy;

(c) where appropriate under paragraph 1.2, the relevant Rules, Bonus Terms and Additional Terms applicable to the Services that are being used by You; and

‘Website’ means the website or any respective page, subpage, subdomain or section thereof from time to time, located at or accessible via the domain names: RoyalCircleClub.com and its affiliated sites.

1.1 By using and/or visiting any section of the Website, or by opening an account with the Operator through the Website, You agree to be bound by the Terms of Use and You accordingly: (a) agree to the use of electronic communications in order to enter into contracts; and (b) waive any applicable rights or requirements which require a signature by hand, to the extent permitted by any applicable law; (c) agree, that in order to use our service you are requested to provide us with certain personal information which shall be processed on the basis of our Privacy Policy.

1.2 In addition, where You play any game, or place a bet using the Services, or otherwise use the Services, You agree to be bound by Rules of any game You play (‘Game Rules’), as set out under the relevant general Help section and any Rules tabs, in respect of any new games, the rules applicable to such game; any Bonus Terms; any terms and conditions relating to withdrawals and any other terms applicable to the Services and/or which You are required to confirm Your agreement to as part of the Services.

1.3 The original text of the Terms of Use are in English and any interpretation of them will be based on the original English text. If the Terms of Use or any documents or notices related to them are translated into any other language, the original English version will prevail.

1.4 Please read the Terms of Use carefully before accepting them. Once You have accepted the Terms of Use, you may choose to print the Terms of Use and store them, along with all confirmation emails, additional terms, transaction data, game rules, fair deal rules and payment methods relevant to Your use of the Website. Please note that the Terms of Use are subject to change, as set out in paragraph 3 below.

1.5 If You do not agree to accept and be bound by the Terms of Use please do not open an account, and/or continue to use Your Account. Your continued use of any of the Services will constitute acceptance of the Terms of Use which we have notified You are in force from time to time.

1.6 For the avoidance of doubt, each and all sections of the Website are governed by the Terms of Use, and You should ensure at all times that Your use of the Services is in accordance with the Terms of Use.

2. CHANGES TO THE TERMS OF USE

2.1 We may need to change the Terms of Use from time to time for a number of reasons, including (without limitation) for commercial reasons, to comply with law or regulations, to comply with instructions, guidance or recommendations from a regulatory body, or for customer service reasons. The most up-to-date Terms of Use can be accessed from the Terms and Conditions link in the footer section of the Website.

2.2 Where we wish to make substantial changes to the Terms of Use, we will give You as much prior notice of such changes as is reasonably practicable via one of the methods set out in paragraph

2.3. For minor or insubstantial changes, we may not give You any notice of such changes, so You are advised to review the Terms of Use through the Terms and Conditions link on the Website on a regular basis.

2.4 Where we make changes to the Terms of Use which we wish to notify You of, but are not obligated to, we will do so by such a method of notification as we may, in our discretion, deem appropriate.

3. OPENING YOUR ACCOUNT

3.1 In order to place a bet or play a game using the Services, You will need to open an account with the Operator (‘Your Account’ or ‘Account’).

3.2 In order to open Your Account for use with the Services, You can:

3.2.1 click on Join Now, Register Now or similar functional buttons on the Website and follow the on-screen instructions; or

3.2.2 open by such other Account opening method as shall, from time to time be offered by the Operator;

3.3 When You open Your Account You will be asked to provide us with personal information, including Your name and date of birth and appropriate contact details, including an address, telephone number and e-mail address (‘Your Contact Details’). You may update Your Contact Details from time to time by contacting Customer Services; or through the My Profile management page on the Website: or by such other method as shall, from time to time, be offered by the Operator.

3.4 In opening Your Account You warrant that:

3.4.1 You understand and accept the risk that, by using the Services, You may, as well as winning money, lose money;

3.4.2 You are: (a) over 18 years of age; and (b) above the age at which gambling or gaming activities are legal under the law or jurisdiction that applies to You (the ‘Relevant Age’);

3.4.3 You are legally able to enter into contracts;

3.4.4 You have not been excluded from gambling; and

3.4.5 You have not already had an Account closed by us for any reason.

3.5 Your Account must be registered in Your own, correct, name and personal details and it shall only be issued once for You and not duplicated through any other person, family, household, address (postal or IP), email address, Access Device or any environment where Access Devices are shared (e.g. schools, workplaces, public libraries etc) and/or account in respect of the Services. Any other accounts which You open with us, or which are beneficially owned by You in relation to the Services shall be ‘Duplicate Accounts’. We may close any Duplicate Account (but shall not be obliged to do so). If we close a Duplicate Account:

3.5.1 all bonuses, free bets and winnings accrued from such bonuses and free bets obtained using that Duplicate Account will be void and forfeited;

3.5.2 we may, at our entire discretion, void all winnings and refund all deposits (less amounts in respect of void winnings) made in respect of that Duplicate Account and, to the extent not recovered by us from the relevant Duplicate Account, any amounts to be refunded to us by You in respect of a Duplicate Account may be recovered by us directly from any other of Your Accounts (including any other Duplicate Account); or

3.5.3 we may, at our entire discretion, allow usage of the Duplicate Account to be deemed valid in which case all losses and stakes placed by or for You through the Duplicate Account shall be retained by us.

3.5.4 we may also, at our sole discretion, close all accounts (including Your main account) where all bonuses, free bets, winnings and refund available withdrawal current amount (less amounts in respect of any additional deductions).

3.6 If, at any time, you feel an unauthorized third party is aware of your Username and/or Password, you should change it immediately under Your Account settings.

4.VERIFICATION OF YOUR IDENTITY; ANTI-MONEY LAUNDERING REQUIREMENTS

4.1 You warrant that:

4.1.1 the name and address You supply when opening Your Account are both correct and current; and

4.1.2 You are the rightful owner of the money which You at any time deposit in Your Account.

4.2 By agreeing to the Terms of Use You authorize us to undertake any such verification checks from time to time as we may require ourselves or may be required by third parties (including, but not limited to, regulatory bodies) to confirm these facts (the ‘Checks’). You agree that from time to time, upon our request (including requests from Payment processor), You may be required to provide additional details in respect of any of such information You have provided us, including in relation to any deposits which You have made into Your Account.

4.3 Whilst we are undertaking any Checks from time to time, we may restrict You from withdrawing funds from Your Account and/or prevent access to all or certain parts of the Website. Please note that we may from time to time re-perform the Checks for regulatory, security or other business reasons. If any such restrictions cause You a problem, please contact us through any of the methods listed under Contact Us.

4.4 In certain circumstances we may have to contact You and ask You to provide further information to us directly in order to complete the Checks. For this purpose, we will be entitled, at our sole discretion, to require that You provide us with a notarized ID or any equivalent certified ID according to the applicable law of Your jurisdiction or otherwise, proof of address, utility bills, bank details, bank statements and bank references and any documentation that validates your source of funds. Until such information has been supplied to our satisfaction, we may prevent any activity to be undertaken by You in relation to the Account or we may, where we reasonably believe that deliberately incorrect information has been provided by You, keep any amount deposited on the Account following the closure of the Account by us.

4.5 It may be an offence for persons under the Relevant Age to make use of the Website. If we are unable to confirm that You are the Relevant Age then we may suspend Your Account until such time that we are able to confirm that You are the Relevant Age. If You are subsequently proven to have been under the Relevant Age at the time You made any gambling or gaming transactions with us, then:

4.5.1 Your Account will be closed;

4.5.2 all transactions made whilst You were underage will be made void, and all related funds deposited by You will be returned by the payment method used for the deposit of such funds, wherever practicable;

4.5.3 any deposits made whilst You were under the Relevant Age will be returned to You; and

4.5.4 any winnings which You have accrued during such time when You were under the Relevant Age will be forfeited by You (and shall be deducted from the amount of any deposit returned under paragraph 5.5.3) and You will return to us on demand any such funds which have been withdrawn from Your Account.

4.6 It is an offence for You to deposit into Your Account using another person’s name and/or payment method. We may, at our full discretion, close the account and refund any available withdrawal current amount (less amounts in respect of any additional deductions).

5. KNOW YOUR CLIENT POLICY

To make the Age Verification process as easy as possible, here are a few hints for when you send in your documents: Each document must be sent as a separate image Photo Captured images are preferred, but if you’d rather scan your documents, send them as a .jpeg Your picture must be in focus and all the text easy to read Your full passport photo page or ID must be in shot, don’t leave any bits out or cover with your hand or fingers Your lighting must be good, to stop any glare don’t use flash We need all of this because it’s part and parcel of gambling responsibly – and the applicable law requires it.

5.1. Why do I need to verify my account? When you sign up for a new account we check that you are over 18 and we verify that you are who you say you are, (a process called Know Your Customer ‘KYC’). This is to ensure You are the rightful owner of the created account, to begin processing Your deposits, winnings and withdrawals. Should You choose not to complete the ‘KYC’ verification, we may restrict or freeze Your account access, including all funds available in the account.

5.2. What do I need to provide? To verify your age we will accept one or more of the following documents: Passport (recommended) Driving license National ID Card Bank Statement (less than 6 months old) Make sure your documents are in acceptable condition.

5.3. How can I send you my documents? The quickest and easiest way to verify your account is via our Live Customer Service personnel. You can also send the documents via email. Here are a few tips on how to get it right first time: Sending your documents via email or messengers Take a photo of each of your documents and save the photos (or, scan them and save as a .jpeg) Open the email account that you used to register for our Website Attach the photos Enter your account number or username in the ‘Subject’ bar at the top of your email Press ‘Send When you register for an account, on the account registration page, we’ll need you to provide certain information for security reasons: Your name and contact details, including a valid email address which needs to be unique to your account Your date of birth – you must be at least 18 years old A unique username ( based on current username creation criteria ) and a password where only You can access Your Account Your account currency A security question and the answer Our registration page checks your details as you enter them and will let you know if there’s a problem, so you can make any changes you need to before you complete the registration process. For legal reasons when travelling abroad, you may not be able to access your account. We are unable to accept accounts or offer any of our products or services to clients resident in the following countries (USA, Aruba, Bonaire, Curacao, France, Netherlands, Saba, St Eutatius, St Martin): Game provider Restricted territories Evolution Gaming No Customers shall be accepted from Latvia & USA The list of game providers and territories, where the Customers are not accepted may be amended time from time. Contact our customer service personnel for the latest list.

6. USERNAME, PASSWORD and ACCOUNT ACCESS

6.1 After opening Your Account, You must take all reasonable steps to avoid disclosing (whether deliberately or accidentally) Your username, password and/or account number to anyone else, including (where practicable) ensuring that up-to-date security software is downloaded onto Your Access Device.

6.2 All transactions made where Your username and password and/or account number have been entered correctly will be regarded as valid, whether or not authorized by You, and we shall not be liable for any claims in the event that You disclose Your username, password or account number to anyone else (whether deliberately or accidentally) or any other individuals who has gained access to Your Account without Your consent.

6.3 If You have lost or forgotten Your Account details or have a reason to believe that such details are known to an unauthorized third party, please contact us immediately for a replacement by contacting us through any of the methods listed under Contact Us.

7. DEPOSITS AND WITHDRAWALS FROM YOUR ACCOUNT

7.1 If You wish to participate in the Services, You must deposit monies into Your Account from an account or source of which You are the account holder. Such monies may (subject to paragraph 5) then be used by You to place bets or play games. If You use a payment method in respect of which You are not the account holder, we reserve the right to treat any deposit into the Account as being invalid (and any winnings arising from such deposit as void) pending the satisfactory completion of all relevant Checks.

7.2 For the avoidance of doubt Your Account shall not be used by You as a bank account and, should we become aware of deposits into and withdrawals from Your Account without commensurate betting or gaming activity, we reserve the right to deduct an administration charge (whether or not we close or suspend the account). Monies deposited with us in Your Account shall not attract interest.

7.3 To the extent required by Your local law or tax or other authorities You are responsible for reporting Your winnings and losses arising from the Services.

7.4 You can set a deposit limit on Your Account in any one day. For details of how to set up a deposit limit please contact us through any of the methods listed under Contact Us. Any confirmed reductions to your deposit limit will be of immediate effect.

7.5 Subject to terms of Closure of Your Account or any other terms set out in these Terms and Conditions or any amendments thereof, You may request withdrawal of funds from Your Account at any time provided that:

7.5.1 All payments made into Your Account have been confirmed as cleared and none have been charged-back, reversed or otherwise cancelled;

7.5.2 Any Checks referred to Verification of Your Identity; Money Laundering Requirements have been completed by us to our satisfaction; and

7.5.3 You have complied with any other relevant withdrawal conditions affecting Your Account (e.g. any applicable Bonus Terms).

7.6 On any withdrawal approved by us, provided that You give us sufficient information as to how the funds should be transferred to You, we will return the relevant funds to You (less charges incurred or any other amount required to be deducted from Your withdrawal in order to comply with any applicable law).

7.7 We will attempt to accommodate Your request regarding the payment method and currency of payment of Your withdrawal. This, however, cannot be guaranteed. Therefore, we may process and pay withdrawals in a different payment method than the one requested by You, such as through different payment providers, a bank draft or wire transfer (any charges associated with relevant payment methods are set out in the Website). Similarly, in certain cases, the currency of Your withdrawal may not be the currency in which Your deposit was made or that was otherwise requested by You and, in circumstances where we are required to convert Your deposits between different currencies, the conversion rate used by us will set upon our discretion.

7.8 Inactive Account Fee. If You do not use Your Account for betting or gaming, making a deposit, withdrawal or transfer, or if it is otherwise inactive, for a period of at least 13 consecutive months then it will be an ‘Inactive Account’. All Inactive Accounts will incur a fee (‘Inactive Account Fee’). We will notify You if and when Your Account becomes an Inactive Account, and at least 14 days before any Inactive Account Fee is deducted from it.

7.9 Where your card issuer allows, your winnings may be credited to the credit or debit card account which was used for the original placement of the deposit. A cheque or bank wire will only be issued in the Name, and where a deposit has been made by credit or debit card this must also be the same as the name of the registered cardholder.

7.10 A turnover of at least 1 time on the value of deposit needs to be reached before a withdrawal can be requested. The Operator reserves the right to make a charge to Your account to cover all reasonable costs relating to both the deposit and withdrawal.

7.11 All bank charges that the Operator incurs arising from or in connection with any of your betting transactions shall be borne and reimbursed by You and the Operator shall be entitled to deduct and offset the foregoing from the winnings payable to You or from Your wallet balance, as the case may be.

7.12 LIMITATIONS: The minimum deposit amount is 100 PHP or any other currency equivalent. The minimum withdrawal amount is 200 PHP or any other currency equivalent. All payout requests are processed in the order of the queue within 5 Mins – 3 Hrs if the requested amount does not exceed 100,000 PHP or the equivalent in another currency and up to 7 days in case the requested amount exceeds 100,000 PHP or any other currency equivalent. All withdrawals may incur a processing fee of 5%.

7.13 WITHDRAWALS: All withdrawal requests are subjected to be deducted by 5% of its total value for Agents Reward. However, Royal Circle Club Review is offering a bonus up to 7% on your total cash in and a chance to win prizes such as:

7.13.1 REBATES: Upon Cash in , 3% bonus will be added to your total Deposit upfront.

7.13.2 CASH BACK: 4% Cash back is applied every week and calculated from your total accumulated Deposits.

7.13.3 PRIZES: There will be announcements on our site what prizes will be given away (SMART PHONES, GADGETS or even a CAR)

7.14 We strictly implement 1 Receipt to 1 Username policy, any breech would be subject to Account Termination.

8. BONUSES

8.1. Royal Circle Club Review reserves the right to remove, add or change any bonus that is available in the account of any Customer that has not been claimed. Any claimed and active bonus will not be removed by Royal Circle Club Review under regular circumstances, however, may be subject to immediate changes. You will be notified via Your Contact Details, as stated in paragraph 3.3, prior to any already claimed and active bonus(s) being removed or changed.

8.2. Bonuses might have wagering requirements attached to them. These requirements will be appropriately displayed before the Customer decides to use a bonus when wagering requirements are applicable. Withdrawal amounts will be only possible for the real money balance the bonus money balance upon withdrawal will be lost. Royal Circle Club Review has the right to choose which game and service contributes to what amount to the wagering requirements. The wagering requirements have a minimum of 25 times the amount of bonus and the real money sum contributing to the bonus figure.

8.3. Bonuses can be received once per person (Customer), per household, per address, per mobile phone, per shared computer and per shared IP address unless specified in the Bonus Terms. Risk-free bets on any games or services do not count toward the wagering requirements.

8.4. The maximum amount of money to be won from a no deposit free spin bonus and no deposit free bets bonus and gameplay with mentioned bonus funds will be stated under the individual bonus terms and conditions. Any winnings exceeding that amount without making a real money deposit will be void and will be kept by Royal Circle Club Review. Eg, a customer receives a no deposit free spins bonus. The free spins get played out and the customer wins 50,000 PHP. The customer proceeds to play other games and wins 10,000 PHP , totalling 60,000 PHP in the Royal Circle Club Review Withdrawal. In this case, the customer has exceeded the cap of 100 USD winnings, as stated under this individual bonus terms and conditions, 100 USD will be available for withdrawing and 1100 USD will be kept by Royal Circle Club Review.

8.5. Royal Circle Club Review reserves the right to impose various restrictions to different countries where Customers may reside regarding bonuses for reasons undisclosed. We further reserve the right to offer specific bonuses to individual customers or customer groups and their termination, change or other alteration without explanation and/or compensations in any form.

8.6. If a player or a group of players are abusing casino bonuses Royal Circle Club Review has the right to confiscate any wins thereof and to close the player’s account(s). Abusive behavior towards bonuses and/or bonus abuse means:

i) A Player places bets and/or wagers amounting to the maximum allowed per bonus terms to raise the variance in order increase the balance;

ii) Player lowers the bet and/or wager size after a big win and changes the game to one with a lower volatility;

iii) Player makes deposits to cap out the bonus amount but not more. Applicable to match bonuses of 50% and above After the account has been flagged as bonus abusing it is forbidden to use any other bonuses and/or participate in promotions at RoyalCircleClub.

8.7 Note that when You make a withdrawal, all currently active bonus may be removed from Your Account.

8.8 Every effort will be made to credit Your Account with any promotional points within (2) two business days. Promotion bonuses that are earned over a time period such as weekend or monthly bonuses will be awarded within (7) seven business days after the end of that time period. i.e. on the Monday after the weekend or on the 1st business day of the following month.

8.9 Unless specifically stated otherwise, no two or more promotions can be used in combination.

8.10 Bonus programs are intended for recreational players only. Any professional player(s) considered, in the Operator’s sole discretion, to be abusing the bonus system by any means, may have their bonuses revoked and be subject to further sanctions. Bonus abuse may be defined as (but not restricted to) player(s) cashing out for the purpose of re-depositing or referring new player accounts that they are using themselves. Sanctions may be in the form of increased rollover requirements or loss of bonus privileges altogether for the offending player as well as any linked accounts. The Operator reserves the right to restrict eligibility for special offers and bonuses when necessary. This includes (but is not limited to) placing geographic restrictions on match bonuses due to bonus abuse.

9. LEGAL USE OF THE WEBSITE

9.1 Access to or use of the Website or any of the Services via the Website may not be legal for some or all residents of or persons in certain countries. We do not intend that the Website should be used for betting, gaming or any other purposes by persons in countries in which such activities are illegal, which includes the United States of America and those territories listed on the Website. The fact that the Website is accessible in any such country or appears in the official language of any such country shall not be construed as a representation or warranty with respect to the legality or otherwise of the access to and use of the Website, and the making of deposits or receipt of any winnings from Your Account. The availability of the Website does not constitute an offer, solicitation or invitation by us for the use of or subscription to betting, gaming or other services in any jurisdiction in which such activities are prohibited by law.

9.2 It is Your responsibility to determine the law that applies in the location in which You are present. You should ensure that You will be acting legally in Your jurisdiction in opening Your Account and/or using the Website and You represent, warrant and agree that You will do so.

9.3 If it becomes apparent to us that You are resident in a country in which the use of the Website is not legal or You are using the Website from a country in which the use of the Website is not legal, we shall be entitled immediately to close Your Account, in which case any balance on the Account on the date of such closure will be refunded to You as soon as it is practicable for us to do so.

10. PLACING YOUR BET AND/OR GAMING USING THE SERVICES

10.1 In order to place a bet or access a Service you should follow the instructions provided at the respective section of the Website.

10.2 It is Your responsibility to ensure that the details of any bet, stake or similar transaction that you place using the Services (a ‘Transaction’) are correct when using the Website (either directly, through an application or otherwise) in accordance with the relevant Game Rules, as appropriate.

10.3 Your Transaction history can be accessed by you by clicking My Account on the Website, or through our Customer Services team (including by opting to receive a written statement).

10.4 We reserve the right to refuse the whole or part of any Transaction requested by You at any time in our sole discretion, or where You have breached the Terms of Use. No Transaction is accepted by us until You have given the appropriate confirmation (or it has otherwise been accepted by us) in accordance with paragraph 10.2. If You are in any doubt as to whether a Transaction has been accepted successfully, You should contact us through any of the methods listed under Contact Us.

10.5 Once a Transaction has been accepted by us, You cannot cancel the transaction unless we agree otherwise.

10.6 In respect of gaming, the relevant Game Rules shall set out the point at which no further stakes or bets will be accepted by us.

10.7 We may cancel or amend a Transaction due to Collusion, Cheating, Fraud and Criminal Activity, Errors or Omissions, as well because terms set out for Verification of Your Identity.

11. REMOTE GAMING OR BETTING

11.1 Where You are accessing the Services via an electronic form of communication You should be aware that:

11.1.1 in relation to Your use of the Website for the placing of bets or playing of games:

11.1.1.1 You may be using a connection or equipment which is slower than such equipment used by others and this may affect Your performance in time-critical events offered via the Website;

11.1.1.2 You may encounter system flaws, faults, errors or service interruption which will be dealt with in accordance with IT Failure as below;

11.1.1.3 the Game Rules for each event or game offered via the Website are available and should be considered by You prior to Your use of the Services offered via the Website.

12. COLLUSION, CHEATING, FRAUD AND CRIMINAL ACTIVITY

12.1 The following practices (or any of them) in relation to the Services: abuse of bonuses or other promotions; and/or using unfair external factors or influences (commonly known as cheating); and/or taking unfair advantage (as defined below); opening any Duplicate Accounts; and/or undertaking fraudulent practice or criminal activity (as defined below), constitute ‘Prohibited Practices’ and are not permitted and will constitute a material breach of the Terms of Use. We will take all reasonable steps to prevent and detect such practices and to identify the relevant players concerned if they do occur. Subject to the above, however, we will not be liable for any loss or damage which You may incur as a result of any Prohibited Practices, and any action we take in respect of the same will be at our sole discretion.

12.2 If You suspect a person is engaged in any Prohibited Practice, You shall as soon as reasonably practicable report it to us by contacting us using any of the methods listed under Contact Us.