Version 1.1.

Last updated 11/02/2020

1. General

1.1. These general terms and conditions defined in this text as (“Terms and Conditions”) regulate the usage of games and play provided through www.speedylotto.com, which is managed by Hero Gaming Limited ("the websites").

1.2. Hero Gaming Limited is a company incorporated in Malta with registration number C61794, and is subject to Maltese law, having its registered address at Hero Gaming, Level 0, Spinola Park, Triq Mikiel Ang Borg, St Julian’s SPK 1000, Malta.

1.3. Hero Gaming Limited is licensed and regulated in Malta by the Maltese Gaming Authority, with licence number MGA/CRP/253/2013 issued on April 28th, 2014.

1.4. Hero Gaming Limited is referred to as “Speedy Lotto”, “we” or “us” and the player as “you” or “the Player”.

1.5. “Games”, “the Games” or “Game” refers to any of the gaming products offered at the Websites. "Rules" refer to the rules that apply for each game.

1.6. The current version of this agreement is valid until a new version is in place on the Websites.

1.7. The Terms and Conditions also apply to all platforms and devices that enable game play of games provided by Speedy Lotto. ‘Games’ are defined as Casino games and other games available on the Websites.

1.8. Speedy Lotto reserves the right to modify these Terms and Conditions and they become valid from the time they are made available on the Websites. You will be notified in advance when changes to the Terms and Conditions occur and you will need to accept these changes to the Terms and Conditions before they become binding to both you and us. Should you not accept the changes to the Terms and Conditions you will not be able to log in into your account and if you have a positive balance on your account, you will need to contact us on [email protected] or through chat when available in order to withdraw it.

1.9. You must read and understand these Terms and Conditions fully before accepting the agreement. In the case that you do not agree with any part of these Terms and Conditions, you must not use or continue to use the Websites.

1.10. These Terms and Conditions become applicable when you make a deposit by inserting your personal details at Speedy Lotto. By starting to play at Speedy Lotto, you agree that you have read these Terms and Conditions and that you accept them.

1.11. You understand and agree to be bound by the Terms and Conditions contained in this text, as may be amended from time to time and accepted by you.

1.12. These Terms & Conditions may be published in several languages, reflecting the same principles, for information purposes and to help players. In case of any discrepancy between the English version and the non-English version of these Terms and Conditions, the version most favourable to you shall prevail.

2. Your Obligations

2.1. You may only have one account on each of the Websites provided by us, Speedy Lotto has the right to terminate any duplicate account.

2.2. You are over 18 years of age or comply with a higher minimum legal age, stipulated in the jurisdiction of your residence under the laws applicable to you. It is your sole responsibility to know the age at which gambling is legal in your country of residence.

2.3. In the case there is suspicion that the information you provide should be compromised, you must inform Speedy Lotto and take proper actions to prohibit or prevent any unauthorised access to any part of your information or funds.

2.4. You may use the Games on your own behalf and not on the behalf of any other person or company.

2.5. You may participate in the Games strictly in your personal, non-professional capacity for recreational and entertainment reasons only.

2.6. You must be resident in a jurisdiction where gambling is legal. You are not allowed to access the Website and/or register an account from a jurisdiction that prohibits online gambling; nor must you do so if you are a citizen of a country that prohibits its citizens from participating in online gambling, irrespective of their location. Speedy Lotto also prohibits persons located in (including temporary visitors) or residents of certain jurisdictions. For the avoidance of doubt, registration from countries that do not feature on the dropdown options available at registration stage, is strictly prohibited.

2.7. You may not sell, transfer and/or acquire personal details to be used for game play on Speedy Lotto to/from other players.

2.8. You agree that all information that you give us, such as but not limited to, address and social security number, during the term of validity of this agreement is complete, true, correct, and that you will immediately notify Speedy Lotto of changes in such information or change such details by yourself on the Websites.

2.9. You may only participate in any Game if you have enough funds on your bank account for such participation.

2.10. You may not use funds that are tainted or associated with any illegality or originate from any illegal activity or source.

2.11. You are solely responsible for reporting and accounting for any taxes or other fees applicable to you under the relevant laws for any winnings that you receive from Speedy Lotto.

2.12. In relation to deposits and withdrawals of funds when you play with us, you shall only use financial instruments that are valid and lawfully belong to you.

2.13. You understand that by playing Games provided by us, you take the risk of losing money deposited with your personal details.

2.14. You shall not be involved in any fraudulent, collusive, fixing or other unlawful activity in relation to your or third parties’ participation in any of the Games and shall not use any software-assisted methods or techniques or hardware devices for your participation in any of the Games. We hereby reserve the right to invalidate any betting in the event of such behaviour.

2.15. You may only use the software for your own personal, recreational use in accordance with rules and terms and conditions we have established and in accordance with all applicable laws, rules and regulations.

2.16. You shall be courteous to other players using the Websites as well as support personnel employed by Speedy Lotto and avoid rude or obscene comments.

3. When you are playing

3.1. In order for you to be able to play with your first deposit, your personal details are automatically inserted in to our system.

3.2. You may only play with your own personal details at Speedy Lotto at any single point in time. We reserve the right to close any multiple players that are using the same details or who in any way present to us as the same person. Should we have reasonable grounds to believe that fraud has been committed or attempted, we reserve the right to cancel any related transactions, without prejudice to any other action. Only one player per IP address and/or computer device/household can play at Speedy Lotto.

3.3. It is your sole responsibility to ensure that the information you enter when you play is true, complete and correct. You are hereby notified that we carry out verification procedures and that your game play may be blocked for access or closed if you are found to supply false or misleading information. You are required to update and keep up to date the mandatory information in the event such information changes.

3.4. If you notice that someone else is playing with your personal details, you must notify us immediately. Failure to do so may lead to you being blocked from accessing Speedy Lotto.

3.5. It is your sole and exclusive responsibility to ensure that your details are stored securely. You must not disclose your details to anyone. We are not responsible for any abuse or misuse due to your disclosure, whether intentional or accidental, whether active or passive, of your personal details to any third party.

3.6. You are not allowed to transfer funds from your account to other players' accounts or to receive money from other players into your account, or to transfer, sell and/or acquire user details.

3.7. Speedy Lotto reserves the right to refuse or block a player at its sole discretion, but any contractual obligations already made by Speedy Lotto shall, without prejudice to any rights available at law to Speedy Lotto, be honoured accordingly.

3.8. Speedy Lotto prohibits player collusion and does not allow any kinds of robots and programmed devices to participate in game play.

3.9. If you wish to stop playing at Speedy Lotto permanently, you may do so at any time, by contacting customer support in writing. The decision will be effective and correspond to the termination of the Terms and Conditions. In case the reason behind the decision is related to concerns about possible gambling addiction you shall indicate it.

3.10. In the case a player decides to stop playing at Speedy Lotto permanently, related information about the player is saved during the period of time requested by regulations, public authorities and enforcement bodies. Related information may include player name, address, phone, social security number and transaction details.

3.11 At any time while you play with us, you accept that we may ask you for proof of your identity, age and origin of funds and, even if you are still playing, to block you at our discretion at any time if we are not satisfied with the information with which you have supplied us or in the event that there is delay in supplying the requested information; request a photograph of you holding your colour identification document(s) if we have doubts as to the veracity of your identity.

4. Deposits

4.1. We may charge assigned fees for processing deposits. If such fees occur, they shall be possible to see during the deposit process. Deposits may be made using Trustly.

4.2. We will assign minimum deposit levels and maximum deposit levels as specified on the Websites.

4.3. Depositing funds is made by use of Trustly, which is specified on the Websites, as may be amended from time to time. Details in respect to the timing of withdrawals in respect to the method utilized are available on the relevant pages of the Websites, as may be amended from time to time.

4.4. Deposited amounts are available within a reasonable amount of time after the confirmation of the deposit on all available deposit options unless extra verification procedures are needed as stated in 4.5.

4.5. We reserve the right to use additional procedures and means to verify your identity (Know Your Client) when effecting deposits as required in order to comply with regulatory requirements. Such documents may include ID, proof of address, and documentation of Source of Wealth.

4.6. If Speedy Lotto mistakenly credits You with winnings that do not belong to you, whether due to a technical or human error or otherwise, the amount will remain property of Speedy Lotto and the amount will be transferred from Your account. If prior to Speedy Lotto becoming aware of the error You have withdrawn the funds that do not belong to You, without prejudice to other remedies and actions that may be available at law, the mistakenly paid amount will constitute a debt owed by You to Speedy Lotto. In the event of an incorrect crediting, you are obliged to notify Speedy Lotto immediately by email.

4.7. You shall only use deposit methods that are valid and lawfully belong to you.

4.8. The minimum deposit amount is ten (10) EUR for the first deposit, where after Speedy Lotto has the right to increase the minimum deposit to twenty (20) EUR.

4.9. It is unlawful to deposit money from ill-gotten means.

4.10. Speedy Lotto accepts payments made in EUR.

4.11. We will perform security checks on random occasions and at our sole discretion. You accept that we may demand additional information in the event of a security check and that we may suspend and/or block you from playing/withhold your payment until we receive the appropriate information that we have requested.

4.12. Speedy Lotto will only accept colour copies of identification documents.

4.13. Deposits made to Speedy Lotto should commensurate with game play. Therefore, if, in Hero Gaming’s discretion, there is suspicion of abuse (for instance, where a deposited amount has not been used for an appropriate level of game play and the user then logs out and withdraws an amount in relation to that deposited amount or where Hero Gaming suspects that you are abusing our product), we reserve the right in its absolute discretion to cancel the respective deposit(s) in part or in full, to retract any costs that may have resulted in conjunction therewith and to close your access to the site indefinitely. Hero Gaming further reserves the right to request and obtain satisfactory proof of deposit and additional copies of personal identification in such instances prior to processing any withdrawal request, the processing of such request to be entirely at Hero Gaming’s discretion.

4.14. Speedy Lotto reserves the right to terminate and/or ban a player and retain all funds where that player is reasonably suspected of engaging in fraudulent activities which include, but are not limited to, use of stolen or falsified personal details, forgery, and submission of data or documents which are forged, stolen or otherwise misappropriated.

5. Withdrawals

5.1. Available withdrawal options are to be clearly stated on the Websites and may differ depending on the market from which the player originates..

5.2. Withdrawals will be made to the same account you have deposited from.

5.3. The payment managers employed by Speedy Lotto will carry out additional verification procedures for any single or cumulative deposits or withdrawals pay-out exceeding the equivalent of 1000 EUR or cumulative withdrawals exceeding 2000 EUR, and further reserves the right to carry out such verification procedures also in case of lower pay-outs. Such verifications may for example include copies of a member’s passport and/or copies of a member’s utility bills.

5.4. All transactions shall be checked in order to prevent money laundering. The Company shall report any suspicious transaction to the relevant authorities in Malta. If the player becomes aware of any suspicious activity relating to any of the Games of the Website, the player must report this to the Company immediately. Speedy Lotto may suspend, block or close a player and withhold funds if requested to do so in accordance with the Prevention of Money Laundering Regulations.

5.5. Should your withdrawal exceed EUR 4,000 (or 40 000 SEK if you reside in Sweden) we reserve the right to review the transaction before processing it, to comply with regulatory obligations and to protect fair play.

5.6. Be advised that our products are consumed instantly during gameplay. Thus, we cannot provide refunds, returns of goods, or cancellation of your service when playing.

5.7. If you win and decide to withdraw €20,000 or more over a period of 30 days or less, we reserve the right to pay out your winning in instalments over time.

5.8. You shall not treat Speedy Lotto as a banking institution nor expect any interest.

5.9. We may charge assigned fees for processing withdrawals and is to be clearly stated when you perform a withdrawal request.

5.10. Speedy Lotto reserves the right to charge a fee should you request a withdrawal without a Member Account turnover that is equal, or more than the amount of funds deposited.

6. Play

6.1. You must always play the Games on the Site in line with these Rules and any special Rules that apply to Games offered on the Site. Different Rules apply to different Games. Please visit the Casino lobby where each game rules can be found under each game.

For Betting on Lotto, the following Rules apply.

7. Inactive Accounts

7.1. An inactive account is an account that has not been accessed for 36 months and has a real money balance.

7.2. If your Account has become inactive, Hero Gaming shall reimburse any remaining balance to the player by remitting the balance directly to the player’s account via bank transfer.

7.3. In view of the method used by Hero Gaming such return of funds will never be unsuccessful.

7.4. The procedure for removing funds from inactive accounts is made automatically and is reported in the backend system of the Website's administrational interface.

8. Responsible Gaming

8.1. You may at your discretion choose to limit the amount you can deposit (withdrawals increase the allowed deposit amount) during a day (00:00-23:59 CET), week (Monday-Sunday) or monthly (first - end of calendar month, or from the time of activation until end of month when limit is set). If you reach this limit for how much you deposit (plus possible withdrawals during the period), you will not be able to deposit more money. Removing or increasing such a limit will take effect after 24 hours.

8.2. You may at your discretion choose to limit your ability to access your Account (log in) for an indefinite time in which your account will not be accessible again and your remaining funds are transferred back to your bank account.

8.3. All limitations mentioned above are administrated and initiated either when playing, by clicking the “Settings” and then the “Limits” section.

8.4. A self-exclusion request would be valid for the site you are currently playing on (for example www.speedylotto.com) only and does not include other sites operated by Hero Gaming Limited.

8.5. In contrast, self-exclusion due to gambling problems (either when you communicate problem gambling to us, or closure of the account carried out by us due to gambling concerns) will apply to the rest of websites operated by Hero Gaming. For the avoidance of doubt, the closure of an account or exclusion without mentioning responsible gaming by you or without us carrying out closure of the account due to gambling concerns will only affect your account at www.speedylotto.com

8.6. Self-exclusions shall immediately become effective upon notification to our support. If you wish to remove an indefinite self-exclusion, which was notified to us by you regarding gambling concerns, such change shall take place 7 days after our support receives such request. If you wish to increase the duration of a self-exclusion, such increase shall be effective immediately. If you wish to decrease the duration of a time limited exclusion (1, 3 or 6 months), such decrease shall be effective within 24 hours after our support receives such request.

8.7. All limits shall immediately become effective upon notification to our support. If you wish to remove a limit or reduce a limit which was notified to us by you, such change shall take place 24 hours after the request has been received by our support or 24 hours after you yourself edited the Limit whilst playing. If you want to increase a limit, such a limit will take effect immediately.

8.8. In contrast, if you want to reopen an account without having closed it due to gambling issues and without us having flagged it for gambling concerns, that reopening may take place after we carry out checks, but without applying the seven-day cooling off period.

8.9. We reserve the right at our sole discretion to block or close you down from playing on any platform owned by Hero Gaming if we consider and that your continued use of our Services is detrimental to your health and wellbeing.

9. Privacy Policy

7.1. You acknowledge and accept that we collect and use your personal data. For you to access the processing of personal data in compliance with data protection regulations you are requested to review our Privacy Policy.

10. Exceptional Circumstances & Aborted Games

10.1. Unexpected technical problems or circumstances outside the control of Speedy Lotto such as technical problems at 3rd party providers allow Speedy Lotto to cancel bets and give refunds to players.

10.2. Speedy Lotto has the right to limit, cancel and refuse bets in the case they are considered to be too large or if we see that the betting pattern of the player takes place in such a way that the system is being abused.

10.3. If a refund is decided upon, the amount of the refund shall be returned to the player’s bank account, the player shall be informed, and the procedure finalized within 48 hours after the decision has been made.

10.4. In the case that a game is “stuck” in a state where it is not being finished, for example due to a connection loss while playing an active black jack hand, Speedy Lotto has the right to “clean up” such bets at a regular basis and refund the bet/wager to the player’s balance. This is performed monthly. If the game has been aborted or miscarried on the server, the player should be refunded.

10.5. If a game contains a bug or misconfiguration that causes incorrect behaviour or pay out, Speedy Lotto has the right to remove the game and alter player's balances and personal details to correct the mistake.

10.6. Hero Gaming is not liable for any downtime, server disruptions, lagging, or any technical or political disturbance to the game play. Refunds may be given solely at the discretion of the management.

10.7. The Company shall accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with the website or its content; including without limitation, delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person’s misuse of the site or its content or any errors or omissions in content.

10.8. Speedy Lotto may remove any game from the Websites at any time we see fit.

10.9. If a player leaves a bet open for more than the configured threshold (90 days), the sweeper job in Microgaming’s slots cancels the bet and returns the wager for that incomplete game round. The wager will be configured to return the money back to the player.

11. Complaints

11.1. You may contact our customer service according to the instructions located at the Websites to give us any complaints regarding our services. Should you want to send us a complaint through email you may do so addressing [email protected].

11.2. Complaints are handled in the support department and escalated in the organization of Speedy Lotto in the case that support personnel do not solve the case immediately. The player shall be informed about the state of the complaint to a reasonable level.

11.3 We aim to provide you with a substantive response to your complaint as soon as practically possible and seek to resolve your complaint within ten days from the date we receive it. Depending on the complexity of the complaint, our investigation may take longer than ten days to resolve. We will ensure that we write to you within ten days of the date we receive your complaint with either a final response or an update of the position, explaining why we are not in a position to provide a final response, and when we expect to be in a position to do so.

11.4. Once Speedy Lotto management have personally reviewed the details of the complaint and confirmed their final response by email, this effectively ends our internal Complaints Procedure. Customers Players who remain dissatisfied with our final reply have the right to refer the dispute to our Alternative Dispute Resolution (ADR) service which is held by eCogra, https://www.ecogra.org/ata/policies_procedures.php 2/F Berkeley Square House, Berkeley Square, London, W1J 6BD, United Kingdom.

11.5. Complaints on the provision of the gaming service by Speedy Lotto, i.e. reports relating to the services of Speedy Lotto being not safe, fair, or transparent may be referred to the Malta Gaming Authority Player Support Unit, either through the MGA’s website (https://www.mga.org.mt/support/online-gaming-support/) or by sending an email on [email protected]

12. Limitation of Liability

12.1. You enter the Website and participate in the Games at your own risk. The Websites and the Games are provided without any warranty whatsoever, whether expressed or implied.

12.2. Without prejudice to the generality of the preceding provision, we, our directors, employees, partners, service providers

12.2.1. do not warrant that the software, Games and the Websites are fit for their purpose;

12.2.2. do not warrant that the software, Games and the Websites are free from errors;

12.2.3. do not warrant that the software, Games and the Websites will be accessible without interruptions;

12.2.4. shall not be liable for any loss, costs, expenses or damages, whether direct, indirect, special, consequential, incidental or otherwise, arising in relation to your use of the Websites or your participation in the Games.

12.3. You understand and acknowledge that, if there is a malfunction in a Game or its interoperability, any bets made during such malfunctioning shall be void. Funds obtained from a malfunctioning Game shall be considered void, as well as any subsequent game rounds with said funds, regardless of what Games are played using such funds.

12.4. You hereby agree to fully indemnify and hold harmless us, our directors, employees, partners, and service providers for any cost, expense, loss, damages, claims and liabilities, howsoever caused, that may arise in relation to your use of the Website or participation in the Games.

12.5. To the extent permitted by law, our maximum liability arising out of or in connection with your use of the Websites, regardless of the cause of actions (whether in contract, tort, breach of warranty or otherwise), will not exceed 100 EUR.

13. Breaches, Penalties and Termination

13.1. If you breach any provision of these Terms and Conditions or we have a reasonable ground to suspect that you have breached them, we reserve the right not to open, to suspend, or to close you down from playing, or withhold payment of your winnings and apply such funds on account of any damages due by you.

13.2. If Speedy Lotto suspects that you are engaged in illegal and/or fraudulent activities when using any of the Websites; or in breach of this Agreement; or that you are having problems with creditors or otherwise detrimental to our business, we may freeze or terminate your play or cancel any stakes at our absolute discretion.

13.3. You acknowledge that Speedy Lotto shall be the final decision-maker of whether you have violated Speedy Lotto’s rules, terms or conditions in a manner that results in suspension or permanent barring from participation in our site(s).

14. Severability

14.1. If any provision of these Terms and Conditions is held to be illegal or unenforceable, such provision shall be severed from these Terms and Conditions and all other provisions shall remain in force unaffected by such severance.

15. Assignment

15.1. We reserve the right to assign or otherwise lawfully transfer this agreement. You shall not assign or otherwise transfer this agreement.

16. Entire Agreement

16.1. These Terms and Conditions jointly with the Privacy Policy constitute the entire agreement between you and us with respect to the Websites and, save in the case of fraud, supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and us with respect to the Websites.

17. Applicable law and jurisdiction

17.1. These Terms and Conditions shall be governed by the Laws of Malta.

17.2. The parties agree that any dispute, controversy or claim arising out of or in connection with these Terms and Conditions, or the breach, termination or invalidity thereof, shall be submitted to the exclusive jurisdiction of the Maltese courts.