Terms & Conditions

Version: 2.0 Effective date: [TBC] Operator: Bridge Technologies B.V. Licence: OGL/2024/431/0231 (Curaçao Gaming Authority)

1. Introduction

These terms and conditions (the "Terms and Conditions") govern your access to and use of our website at https://xwin.bet, including mobile web, mobile applications and products and services offered by us from time to time through the website (the "Website"). By accessing and using the Website (including opening an account with us), you agree to be bound by these Terms and Conditions.

Please read these Terms and Conditions carefully before using the Website, as they form a legally binding contract between you and us. If you do not agree to be bound by these Terms and Conditions, please do not use the Website or our services.

2. The Terms and Licence Details

2.1 These Terms and Conditions include and incorporate the following additional terms:

a) Product-specific rules, which govern particular games, events and/or products (the "Rules"). When you play any game or place a bet or wager using the Website, you agree to be bound by the Rules of any game you play (as set out in the game itself or in the "Help" section);

b) Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you or that you provide to us; and

c) General Bonus and Promotion Terms, which may apply in respect of promotions, bonuses and special offers (including any wagering requirements) related to the products or services offered through the Website from time to time.

The above terms constitute the entire agreement between the parties and supersede all previous agreements.

2.2 The Website is operated by Bridge Technologies B.V., a company incorporated and registered in Curaçao, at Dr. M.J. Hugenholtzweg 25, Willemstad, Curaçao, trading as xwin.bet (hereinafter "we", "us" or "xwin.bet"). We hold a remote operating licence from the Curaçao Gaming Authority (CGA) under licence number OGL/2024/431/0231 (the "Licence").

2.3 Payment agent company for certain payments is Bridge Technologies (Cyprus) Limited with registered address at Aigyptou 12, Nicosia 1097, Cyprus, company registration number HE 440867. Financial transactions on your account may appear on your card statement as "BRIDGETECH" or "XWINBET".

3. Your Account

Opening an Account

3.1 In order to make a deposit and place a bet or wager using the Website, you will need to open an account with us on the Website (the "Account"). When registering an Account, you will be required to provide certain personal information, including your name, date of birth, address, telephone number and email address. All information supplied by you must be accurate and complete. You must keep your registration and Account details up-to-date. If any of your Account details change, you should notify us immediately by contacting our Customer Services team at support@xwin.bet.

3.2 You may only open one Account on the Website. Duplicate accounts are prohibited and will be closed, and Withdrawable Funds (as defined in clause 3.16 below), if any, returned. We do not operate a credit facility, and you may only place a bet or wager with funds held in your Account.

3.3 When you open an Account, you will be required to choose a unique username and password. You must keep your username and password secure and confidential and not share them with anyone else. You must not allow any other person to use your Account. You accept that any actions taken using your Account will be considered to have been taken by you and any bets or wagers placed using your Account will be considered valid. If you have reason to believe that someone else is aware of your password, please contact our Customer Services team immediately at support@xwin.bet.

3.4 You must not open an Account or use the Website (including any of the products or services offered via the Website) if you are located in a jurisdiction in which placing a bet or wager using the Website is unlawful or contrary to any applicable regulation. You are responsible for determining whether your use of the Website is compliant with applicable laws in your jurisdiction, and you warrant to us that gambling is not illegal in the territory where you reside. The complete list of restricted territories is set out in clause 12 below.

3.5 Any bet or wager placed via your Account must be for your own benefit and not for the benefit of any third party. Provided that we have been correctly supplied with the Account information requested, we are entitled to assume that deposits and any bets are made by you.

3.6 You are not permitted to register an Account or place a bet or wager via the Website if you are under 18 years of age (or under the age of majority under the laws of the jurisdiction applicable to you). You will not be able to make a deposit until we have verified that you are 18 years of age or over.

3.7 We reserve the right to refuse to open an Account for any reason, including failure to meet our age or identity verification checks.

Verification Checks and Source of Funds Requests

3.8 It is important that we are able to positively identify our customers to comply with both regulatory requirements and to help ensure the security of accounts. In order to achieve this, we may request information to verify your identity and the source of the funds you use to bet with. The full framework for Know-Your-Customer (KYC), Source of Funds, Source of Wealth, sanctions and PEP screening, and ongoing monitoring is set out in our AML/KYC Policy.

3.9 Your full name, date of birth and address must be successfully verified prior to being able to make a deposit. Verification must be fully completed prior to making a withdrawal. In certain circumstances we may need to ask for your assistance to be able to confirm your identity and show that you have sufficient funds to support your gambling activity. Where such information is required, your Account may be subject to certain restrictions until you have provided the requested information and documentation in order to satisfy these checks.

3.10 We will process any personal information provided to us or otherwise held by us relating to you in the manner set out in our Privacy Policy.

Deposits and Withdrawals

3.11 To place a bet or wager for money using the Website, you need to deposit funds. You promise and represent to us that:

a) you are not depositing funds originating from criminal or unlawful activities, and you are not otherwise conducting criminal or unlawful activities and/or intending to use the Account in connection with such activities;

b) the payment card details supplied by you in the registration process (or subsequently) are yours as the registered account holder and the relevant card has not been reported as lost or stolen; and

c) all payments made into your Account are authorised, and you will not attempt to make any chargebacks, reversals or otherwise cancel any deposits into your Account; where we incur a loss as a result of this activity, you will reimburse us in full on demand. We reserve the right to also impose an administration fee of USD 60 (or its equivalent in another currency) for each chargeback, refusal or reversal of payment that you make.

3.12 You agree that any financial transactions (e.g. deposits, withdrawals) on your Account will be handled by us directly or through a third-party payment processing company (the "Payment Provider").

3.13 Once your Account has been opened, you will be able to credit funds to it by requesting an electronic transfer of funds using any of the means set out on the Website. Only when your deposits are reconciled and cleared by the relevant Payment Provider will your Account be credited with the funds.

3.14 Unless specifically authorised by us in writing, the limits on deposits into, and withdrawals from, your Account are set out in the table below. The currencies available on the Website may include US Dollars, Euro, Mexican Peso, Colombian Peso, Peruvian Sol, Chilean Peso and Argentine Peso. All bets and wagers will take place and all Account balances will be displayed in your chosen currency.

If you wish to withdraw an amount which is less than the minimum, please contact our Customer Services team at support@xwin.bet. A processing fee may apply. The number of withdrawals is not limited; if you wish to withdraw more than the maximum, you will be required to make multiple withdrawal transactions.

3.15 You must notify us if any sum is incorrectly credited to your Account. We are entitled to reverse such credits and/or recover such sums from you if you have withdrawn them.

3.16 You may withdraw any Withdrawable Funds in your Account at any time by submitting a withdrawal request. "Withdrawable Funds" means the total funds in your Account (including all unspent deposits and winnings from wagers made with your deposits) excluding any funds that are subject to a restriction (including wagering requirements or other promotional play restrictions).

3.17 On receipt of a withdrawal request from you, we will return the relevant funds to you (less a processing fee, if applicable) using the payment method with which those funds were originally deposited (unless we agree otherwise).

3.18 If relevant in your jurisdiction, it is your responsibility to account to the relevant tax authorities for any winnings you receive via your Account. We are not liable to account to any tax authority for any of your personal taxes.

Gambling Transactions

3.19 We reserve the right to refuse the whole or any part of a bet if your Account is restricted in our reasonable discretion. No transaction is accepted by us until we have confirmed to you that it has been accepted.

3.20 We only accept bets made online (including via mobile phone or mobile applications). Once your bet is confirmed, you cannot cancel the transaction. It is your responsibility to ensure that all details of the bet are correct.

3.21 You can monitor all gambling transactions made using your Account by clicking on the "History" button when logged in. You are responsible for all gambling transactions made using your Account.

Protection of Customer Funds

3.22 Your Account is not a bank account and is therefore not insured, guaranteed, sponsored or otherwise protected by any deposit or banking or other insurance system of any jurisdiction. Any monies deposited with us will not receive any interest.

3.23 We are required to inform customers about what happens to funds which we hold on account for you in the event of our insolvency. We hold customer funds separate from company funds in a mixture of bank accounts and in reserve funds which we hold with our payment processors. These funds are not protected in the event of our insolvency.

Inactive Accounts

3.24 If you have not placed a bet using your Account for a continuous period of 12 months, your Account will be deemed inactive. Once your Account has been deemed inactive, we may, upon giving you notice, charge a monthly maintenance fee of USD 5 (or currency equivalent) or 5% of the balance of your Account, whichever is greater. We will continue to deduct this fee until the balance of your Account is zero or you place a bet.

Closing your Account

3.25 If you wish to close your Account, please contact Customer Services at support@xwin.bet.

3.26 We shall be entitled to restrict (pending our investigation) or permanently close your Account in the following circumstances:

a) immediately if we discover that you have become bankrupt; b) immediately if we are required to do so by law enforcement or regulatory authorities or by a court order; c) if an investigation concludes that you have used the Website for fraud, collusion, or unlawful activity; d) by giving you reasonable notice if you do not supply any information reasonably requested by us; e) by giving you no less than one (1) month's notice; and/or f) by giving reasonable notice if we discover that you have breached these Terms and Conditions.

3.27 Where we close your Account due to a breach of these Terms and Conditions, we may withhold and/or retain any and all amounts in such Account until we have investigated the relevant breach. Upon conclusion of our investigation, we will return any amounts in your Account to you other than where we have received a valid request from any law enforcement or regulatory authority.

Errors or Omissions

3.28 A number of circumstances may arise where errors are made in respect of bets placed or payments made by us (the "Error"). An Error could be the result of a mistake by an individual or a defect or fault with the software and/or hardware we use to provide the Website. Save where set out in these Terms and Conditions, we will not be liable for any Error however caused, including:

a) we incorrectly calculate or pay out the amount of winnings; b) an error occurs in a random number generator or pay tables; c) the error is caused by the failure of any hardware, software or communications systems.

3.29 We reserve the right to correct any Error made on a bet placed and re-settle the same at the correct price or terms which were available at the time, or, where correction is not possible, to declare such bet void and refund the stake.

3.30 Where we have paid winnings to you which we can reasonably demonstrate were as a result of an Error, we reserve the right to claim back such winnings.

3.31 You should inform us of any Error as soon as possible and should not seek to exploit an Error to generate winnings. Where we have paid winnings to you which we can reasonably demonstrate were as a result of you exploiting an Error, we reserve the right to claim back such winnings.

3.32 We are not liable for, nor required to compensate you for, any loss that results from any Error by us.

Cheating, Collusion, Fraud and Criminal Activity

3.33 If we consider in our reasonable discretion that you are engaging, or have engaged, in one of the following activities, we reserve the right to suspend and/or close your Account, withholding any or all winnings, and share information (together with your identity) with the police and other appropriate authorities:

a) cheating (including by counting cards or exploiting a game or game fault); b) colluding with others (including using "bots" or similar software); c) fraudulent behaviour or criminal activity (including money laundering, unwarranted chargeback or stolen payment methods).

3.34 You agree to assist and cooperate with any investigation. While an investigation is ongoing, your Account will be suspended. If the investigation concludes that you have not engaged in any of the foregoing activities, your Account will be re-activated.

3.35 Where our concerns relate to the validity of your identity, we may deploy anti-fraud systems and processes as well as asking for additional identity documentation.

3.36 You should only deposit money into your Account for the purpose of entering into a bet or wager. In circumstances where we believe that you are depositing money without any intention of gambling, we may investigate your Account.

3.37 To ensure a secure and fair playing environment, automatic playing of games by software (including bots, Trojans, worms, logic-bots, auto-folders, AI-software) or the use of any other technical means to manipulate the outcome is not permitted.

4. Use of the Website

4.1 It is your responsibility to ensure that any bets placed through the Website are correct and placed in accordance with any additional Rules specific to the game. If you require help, use the "Help" or "Info" button.

4.2 No warranty or representation is made as to the accuracy, timeliness, completeness or suitability of the information on our Website. The information is for information purposes only and does not amount to advice.

4.3 You are solely responsible for all computer equipment, telecommunications networks and internet connection services that you require. We shall not be liable for any loss or damage caused to your equipment as a result of using the Website, save that if defective digital content damages your device through our failure to exercise reasonable care, we will repair the damage or pay you compensation.

4.4 You may only use the Website for placing bets for your own private use. Any commercial exploitation is strictly prohibited.

4.5 You must not use the Website for any purpose which is illegal, fraudulent, abusive, obscene, discriminatory, dishonest or inappropriate.

5. Responsible Gambling

5.1 As part of our commitment to responsible gambling, we offer deposit limits, bet limits, time-out and self-exclusion facilities. You can set these by contacting responsiblegaming@xwin.bet from your registered email. The full framework is set out in our Responsible Gaming Policy.

5.2 Requests to increase limits or to re-open your account will take effect only after a cooling-off period of at least twenty-four (24) hours from receipt of the request.

6. Intellectual Property Rights

6.1 All design, text, logos, graphics, music, sound, photographs, video, software and materials on the Website are subject to copyright. The xwin.bet name and logo are registered trademarks. Any unauthorised use may result in legal action.

6.2 You must not use any part of the materials on the Website for commercial purposes without licence. You must not copy, store, publish, rent, sell, distribute, alter or tamper with the Website without our prior written consent.

7. Limitation of Liability

7.1 Nothing in these Terms and Conditions excludes our liability for:

a) death or personal injury arising from our negligence; b) fraud; c) any other liability which cannot be excluded under applicable law.

7.2 You have certain statutory rights that are not affected by these Terms.

7.3 We will not be liable for costs, expenses, losses or claims arising from communications or system errors in the settlement of Accounts, save that if software damages your device through our failure to exercise reasonable care, we will repair the damage.

7.4 The Website is provided without guarantees as to accuracy. To the extent permitted by law, we exclude liability for:

a) losses not caused by our breach; b) losses arising from your breach; c) losses not foreseeable when the contract was formed; d) business losses; e) losses caused by your equipment; f) failures due to events beyond our reasonable control.

7.5 Subject to clauses 7.3 and 7.4, our liability will not exceed:

a) for liability relating to a specific bet, the amount of the stake; b) for any other matter, an aggregate of ten thousand US Dollars (USD 10,000) or equivalent.

8. Privacy

Please read our Privacy Policy carefully. Your personal data will not be disclosed to any third party unless legally required.

9. Complaints and Dispute Resolution

9.1 Customer Support — first point of contact

If you have a complaint, please contact Customer Support first. We aim to resolve issues promptly, fairly, and transparently.

• By email: support@xwin.bet
• Through the in-site Chat Support Widget

9.2 Formal complaint submission

If your matter is not resolved through Customer Support, submit a formal complaint via the official xwin.bet Complaint Form:

• Online — at https://complaints.xwin.bet; or
• Downloadable PDF — from the same page or by request to complaints@xwin.bet.

The form requires: full name; Account ID; date of the incident; clear description and outcome sought; supporting documents.

Complaints should be submitted within six (6) months of the incident. On receipt, you will be issued a unique reference number.

9.3 Handling timelines

• Standard complaints — acknowledged within seven (7) calendar days, resolved within four (4) weeks.
• Responsible-gaming complaints — acknowledged within two (2) calendar days, prioritised.

9.4 Alternative Dispute Resolution (ADR)

If unresolved, you may escalate free of charge to our independent ADR provider. Bridge Technologies B.V. has engaged Resolvo as required by its Curaçao licence.

9.5 Resolvo — contact details

• Provider: Resolvo Curaçao
• Website: www.resolvocuracao.com
• Email: info@resolvocuracao.com
• Languages: English, French, German, Spanish
• Cost: free of charge

9.6 Resolvo — how to escalate

Submit via www.resolvocuracao.com: full name, address, Account ID at the operator, date of original complaint and final reply, description, supporting documents, declaration that the matter is not before a court or another ADR provider.

9.7 Regulatory escalation

Nothing in this clause 9 restricts your right to refer your complaint to the Curaçao Gaming Authority (CGA).

9.8 xwin.bet — complaints contact

• Customer Support: support@xwin.bet
• Complaints Team: complaints@xwin.bet
• Postal: Bridge Technologies B.V., Dr. M.J. Hugenholtzweg 25, Willemstad, Curaçao

10. Changes to these Terms and Conditions

10.1 These Terms and Conditions are subject to change at any time.

10.2 We will notify you of significant changes before they come into effect. Continued use of the Website will be regarded as acceptance of the latest version.

11. Miscellaneous Provisions

11.1 Nothing constitutes any agency, partnership, or joint venture between the parties.

11.2 You may not assign your rights or obligations. We may assign all or any part of our rights and obligations to any third party, provided that such third party can provide a service of substantially similar quality.

11.3 These Terms and Conditions are governed by the laws of Curaçao. Each party agrees that the courts of Curaçao shall have non-exclusive jurisdiction, without prejudice to the player's right of escalation to Resolvo and the CGA under clause 9.

11.4 If any provision is invalid, the other provisions will continue to apply.

11.5 These Terms and Conditions are drafted in English. In the event of any discrepancy with any translated version, the English version shall prevail.

11.6 No waiver by us of any breach shall be effective unless in writing and duly signed.

11.7 Our failure to enforce any provision shall not be construed as a waiver.

12. Restricted Territories

You may not register an Account or use the Website if you are located in any of the following jurisdictions.

Internationally sanctioned countries

• Cuba
• Iran
• North Korea
• Russia
• Syria
• Yemen
• Myanmar (Burma)
• The Ukrainian regions of Crimea, Donetsk and Luhansk

Jurisdictions restricted by the Curaçao licence and by operator decision

• Curaçao
• Aruba, Bonaire, Saba, Sint Eustatius, Sint Maarten and the rest of the Kingdom of the Netherlands
• Ontario (Canada)
• United States of America and its territories
• France and its territories
• United Kingdom
• Germany
• Greece
• Singapore
• Hong Kong
• Australia
• Japan
• Brazil

Contact:

• Customer Support: support@xwin.bet
• Complaints: complaints@xwin.bet — complaints.xwin.bet
• Address: Bridge Technologies B.V., Dr. M.J. Hugenholtzweg 25, Willemstad, Curaçao
• Licence: OGL/2024/431/0231 — Curaçao Gaming Authority

— End of Terms and Conditions —