These Terms and Conditions (hereinafter the: “Terms”) should be read carefully before using the website available on the domain https://www.lottogroove.com (the “Website”). By using or visiting the Website, you, the user hereby accepts and agrees to terms and conditions indicated herein. These terms may be changed at any time, in which case Company will post any new version on the Website. The new version of these terms will take effect immediately on posting of the revised terms on the Website. It is the user's responsibility to make sure that the user is aware of the most up to date version of these Terms and Conditions.
The Website www.lottogroove.com is operated by Kingsman N.V., Heelsumstraat 51 E-Commerce Park, Curacao and is licensed by the Government of Curacao, License No.: 8048/JAZ2018-027, Valid: 30-04-2019, Issued by:Antillephone N.V. (hereinafter also referred to as the "Company" or the "Operator"
The Website provides information about leading worldwide Lottery Organizers but does not endorse or in any manner is directly related to such Lottery Organizers. The site offers its Insurance Services to the Users and thus enables Users to bet on the outcome of global lotteries operated by such Lottery Organizers. The insurance services are subjected to and in accordance with these Terms and Conditions. Company’s motivation is to help Users complete and submit online orders in connection with the Insurance Services offered by Company’s third party service providers with respect to the Lottery Draws and in accordance with the user's Bets, to collect the winnings from the Insurance Provider and credit the user's Account.
Upon submitting the lottery bets via the Website, the user acknowledges that the Company is acting in the name and on behalf of the User via its Insurance Provider and that the Lottery Organizers set the odds of winning.
Where these Terms & Conditions are published in several languages, the English version of these Terms & Conditions will supersede and take precedence over any conflicting elements with the versions published in other languages.
USER MUST BE AT THE AGE OF 18 OR OLDER TO USE THE WEBSITE OR AT ANY LEGAL AGE UNDER THE LAWS APPLICABLE IN YOUR JURISDICTION.
The Company endeavors to enable the use of certain tools on the Website so that Users can complete and submit online orders in connection with the Company’s Insurance Services with respect to Lottery Bets. Under certain limitations elaborated below the Company collects the winnings from the Insurance Provider and credits the Account of an eligible winning User.
The Company uses commercially reasonable efforts to ensure that each Lottery Bet complies, and is lodged in accordance, with the time-frames set forth in the related Lottery Insurance Provider Rules. The User acknowledges that since Lottery Bets are placed immediately following the User's submission of the Order, there is no option of timely cancellation, thus the User agrees that User’s submission of an Order and payment of the related Order Price is final, non-cancelable, and non-refundable (except as expressly set forth in these Terms).
“Bank Account” shall refer toinformation about a bank account held by the User with a commercial credit institution provided by the User to the Company and associated with the User Account
“Bet” shall refer toa Bet which represents the desired outcome of an event with a determinable outcome on the User’s behalf, for example the result of a lottery game which is made available for participation on the Website.
“Bank Card” shall refer to a debit, credit or prepaid card or any other card issued by a payment and/or credit institution and used as a method of payment by the User of the Website.
“Euro Jackpot” shall refer to the aggregated sum payable by any co-organizer in respect to all Winning Tickets in Prize Category 1 in respect to the relevant draw of the lottery Euro Jackpot, as announced by the co-organizer or, in a condition where no such Winning Tickets are announced.
“Euro Jackpot Winning Ticket” shall refer to a successfully submitted and accepted Winning Ticket for the Euro Jackpot lottery in respect of the relevant and official draw.
“EuroMillions-Jackpot” shall refer to the aggregated sum payable by any co-organizer in respect to all Winning Tickets in Prize Category 1 in respect to the relevant draw of the lottery EuroMillions, as announced by any co-organizer or, in a condition where no such Winning Tickets are announced.
“EuroMillions Winning Ticket” shall refer to a successfully submitted and accepted Winning Ticket for the EuroMillions lottery in respect of the relevant and official draw.
“Insurance Provider” shall refer to the third-party service provider of the Insurance Services offered by the Company which provide the coverage for the Winnings of the Virtual Ticket Purchased by Users.
“Jackpot” shall refer to the maximum possible winning in respect to the underlying draw of the relevant Prize Category/Prize Categories of the relevant lotteries or the sum thereof.
“Company” shall refer to lottogroove.com which operates the Website.
“Lottery Organizer” shall refer to the official third-party lottery organizer that organizes and manages a lottery game and draw.
“Lump Sum” shall refer to the cash payout amount for a jackpot or tier level as calculated by the underlying lottery operator. This amount may have additional taxes and/or deductions applied that causes the final amount to differ from the advertised jackpot or tier level amount.
“Winning Bet” shall refer toa winning Bet for a lottery game offered on the Website, which was duly and successfully submitted directly or indirectly, via Internet, telephone or other channels, and duly placed by the User, including possible Winning Bets introduced through a third party to the Operator and then placed by the Operator on behalf of the User via Operator’s Insurance Service.
“Mega Millions-Jackpot” shall refer to the aggregated sum payable by the Mega Millions Consortium or MUSL or any (co-)organizer in respect to all Winning Bet in Prize Category 1 in US dollars and in respect to the relevant draw of the US-lottery.
“Mega Millions” shall refer to paid out in 30 growing annual amounts according to the official rules (i.e. with 5% p.a.), or, in a condition where no such Winning Bet are announced.
“Mega Millions Winning Ticket” shall refer to a successfully submitted and accepted Winning Bet for the American Mega Millions lottery in respect to the relevant and official draw.
”MUSL” shall refer to the Multi-State Lottery Association, which organizes shared lotteries including the Powerball and Mega Millions lotteries.
“Pay Out” shall refer to the amount, which the operator of a lottery underlying a lottery in respect to a correctly matched lottery bet of a relevant draw in a relevant Prize Category has to pay out or has already paid out.
“User” shall refer toa registered user of the Website, which is holding a valid User Account.
“User Account” shall refer to the account created by a User on the Website through which the user can submit his Lottery bets and pay for them via the Website.
“Play Slip Number” shall refer to the number shown on the Virtual Ticket for any lottery draw made available on the Website or the number assigned to a play slip as may be applicable.
“Powerball-Jackpot” shall refer to the aggregated sum payable by the MUSL or any (co-) organizer in respect to all Winning Tickets in Prize Category 1 in US dollars and in respect to the relevant draw of the US-lottery Powerball, or, in a condition where no such Winning Tickets are announced.
“Prize Category” or “Prize Tier” shall refer to the category relates to the amount of numbers correctly matched (including Super Numbers, Stars, Euro Numbers, Powerballs, Megaballs and/or Bonus Balls as applicable) and which result determines the Prize Category in respect of the relevant draw of a certain lottery or a related lottery.
“Services” shall refer to the Company’s services of submitting User’s lottery Bets via Company’s Insurance Service on User’s behalf by filling out and submitting a Virtual Lottery Ticket on the Website for their chosen Lottery as well as collection of Winnings from third party insurance provider, as offered on the Website.
“Stake” shall refer to the sum of money on which the User submits his Lottery bet in respect to a specific lottery and a certain Virtual Ticket, including any service fees. Virtual Ticket is the electronic ticket displayed on the Website which allows the User to submit his bets in a lottery or lotteries of his choice.
“Website” shall refer to the Company’s website, which is available on https://www.lottogroove.com.
“Winnings” shall refer to the premium or prize to be paid to a User in respect to a Winning lottery bet placed by that User.
“Virtual Ticket Purchased” shall refer to the virtual ticket purchased by the User by means of duly placing a Bet on the Website resulting in a virtual ticket purchase (thus no actual ticket is purchased from the respective Lottery Organizer), however, the results of the Bet placed by the User are evaluated based on the results of the respective Lottery Organizer outcome, and in the event User’s Bet is a Winning Bet, the Winnings are covered through the Insurance Services provided by third party Insurance Providers.
3.1 For a User to participate in any lotteries offered on the Website the User must first register and provide the mandatory details requested on the registration page or when required to do so when depositing or betting a lottery result. When a User participates in any lottery on the Website the User hereby agrees to two separate agreements as described below: When registering, and when submitting a lottery Bet, the User is entering into a contract with the Company for the following services: the use of the Website; the operation and management of the User Account; the payment of the User’s Stakes to the Insurance Service.
3.2 IT IS HEREBY CLARIFIED THAT THE COMPANY DOES NOT OFFER ANY TYPE OF LOTTERY OR GAMBLING PRODUCTS. THE VIRTUAL TICKET PURCHASED BY THE USER ON THE WEBSITE REPRESENTS VIRTUAL TICKET PURCHASED FOR THE PARTICIPATION IN LOTTERIES ORGANIZED AND MANAGED BY THE LOTTERY ORGANIZERS AND NOT BY THE COMPANY.
THE COMPANY IS NOT AFFILIATED OR ENDORSED BY ANY LOTTERY ORGANIZER AND ANY REFERRAL TO ANY SPECIFIC LOTTERY ORGANIZER ON THE WEBSITE IS SOLELY FOR INFORMATIONAL PURPOSES AND DOES NOT REPRESENT ANY RELATIONSHIP WHATSOEVER WITH ANY LOTTERY ORGANIZER.
3.3 Illegal Funds and Unlawful Activities: You declare that the source of funds used by you on the Website is not illegal and that you will not use the Services in any way as a money transfer system. You will not use the Services for any unlawful or fraudulent activity or prohibited transaction (including money laundering) under the laws of any jurisdiction that applies to you. If the Company has a reasonable suspicion that you may be engaging in or have engaged in a fraudulent, unlawful or improper activity, including, without limitation, money laundering activities, or conduct otherwise in violation of the User Agreement, your access to the Services may be terminated immediately and/or your account blocked. If your account is terminated or blocked in such circumstances, the Company is under no obligation to refund to you any funds that may be in your account. In addition to terminating your access to the services and/or blocking your account, the Company reserves the right to prevent you from accessing any of the Company's other websites or servers or accessing any other services offered by the Company. The Company shall be entitled to inform relevant authorities, other online service providers and banks, credit card companies, electronic payment providers or other financial institutions (hereinafter together “Interested Third Parties”) of your identity and of any suspected unlawful, fraudulent or improper activity and you will cooperate fully with the Company to investigate any such activity. This process assists in verifying the Player’s identity for the purposes of the Commonwealth Anti-Money Laundering and Counter-Terrorism Financing Act 2006. For our full AML policy see section 21 below.
4.1. When registering the Website, the User warrants that:
- The User is registering in their own name and not on behalf of any third parties; and
- The User is 18 years of age, or over the legal age for participating in the lottery in their country; and
- The User is not a director, officer, or employee of the Operator or the lottery of choice or of one of the lotteries of choice/Operator Group companies when submitting a lottery Bet; and
- The User is aware that the User may lose any Stakes on Bets placed in the User Account; and
- The User will not use the Website for any commercial activity; and
- The User has only one registered active User Account; and
- The User is not located at the time of submitting a lottery Bet in any country in which it is not permitted to participate in remote products offered on this Website and is not a resident of Afghanistan, China, Cuba, Curacao, Dutch West Indies, France, Iran, Israel, Hong Kong, Myanmar, Netherlands, North Korea, Singapore, Turkey and the USA; and
- The User is not a person prohibited by the Office for Foreign Assets Control of the US Department for the Treasury and/or any equivalent governmental body or department in any other country that may now or in the future prohibit persons in a manner similar to the Office of Foreign Assets Control.
4.2. The User is required to register on the Website to open an account and to have access to all available services and submit a lottery Bet. The Company reserves the right not to accept any User and is not required to provide a reason for such non-acceptance.
4.3. The User may be asked to provide personal data during or after the registration process or prior to effecting a deposit and bet purchase. The Company will require KYC information relating to the User, which may include but is not limited to the following: full name, residential address, date of birth, email address, telephone number, gender and payment method data as well as other information relevant for the use of services provided by the Company. By providing this personal data the User grants the Company permission to verify the data provided, including but not limited to, the verification of User’s age, identity, and residence. The verification can be carried out directly by the Company or through a third-party provider. The Company is not responsible for the failure of payouts to Users who do not provide requested evidence of age, identity and residence or Users who provided missing, incorrect, incomplete or expired data. The Company is under no obligation to substantiate any data given by the User or to make contact with a User to complete or change incomplete, incorrect or invalid data. The User acknowledges that failure by the User to comply with the obligation herein may result in denial of payment of Winnings to the User by the Insurance Providers and will sabotage Company’s efforts of collection of Winnings from such Insurance Providers.
4.4. The User shall make sure that all details in respect to their payment method data provided by them during registration and payment respectively are complete, up to date and accurate and the payment method is in their name.
4.5. The User shall directly and promptly update the Company in the event that User’s Bank Card or payment method, updated on the User Account is lost or stolen. The User shall also inform the Company if passwords and/or confidential information have become known to third parties or compromise with that respect is suspected.
4.6. The User shall regularly update their User Account with any changes to their personal information provided during the establishment of their Account by using the functions available on the website in the My Account feature.
4.7. Users are restricted to one active User Account at any one time. If any other accounts are opened by a User, the Company shall be entitled to close any such accounts without notice. The Company will be entitled to void any bets submitted by the User from any of the User Accounts.
4.8. The Company shall be entitled, at its discretion, to define different minimum and maximum amounts for deposits and stakes during a particular time period for a particular User.
4.9. The User is required to keep all User Account access information in a safe and secure place in order to prevent unauthorized access to the User Account. The User is responsible for all activities and transactions conducted through their User Account. Users are also advised to use secure passwords, preferably 7 or more characters in length and containing upper case, lower case, numbers and or special characters.
4.10. The User is not authorized to use a User Account registered in the name of other persons or to transfer his User Account to another person.
4.11. The User must immediately report to the Company of any known or suspected fraudulent or illicit use of their User Account immediately upon becoming aware that their User Account may be used by another person or persons. The User should also take any other actions as may be required in order to prevent further abuse, such as by immediately changing the password on the User Account. Any activity carried out on a User Account shall be deemed to have been carried out by the owner of that User Account.
4.12. A User can lock their User Account by means of Self Exclusion by contacting customer support services. The User is able to choose the length of their Self-Exclusion from 6 to 24 months. If no duration is selected by The User, the Company shall exclude the User for a minimum of six months. In order to self-exclude, there can be no open or running bets linked to the User Account. User Accounts that have been self-excluded can only be reactivated after the expiry of the Self-Exclusion time period. For re-activating their User Account, a User must contact Company’s Customer Service.
4.13. Should a User wish to close their User Account permanently, they may do so by contacting the Company’s Customer Service. The prerequisite for closing the User Account is that there are no open or running bets linked to the relevant User Account and no credit balance. A User should withdraw any credit balance and await active Bets to be settled before proceeding to close their User Account.
4.14. The User can view a list of all Active and Settled Virtual Tickets under his User Accounts. A Bet is only considered received by the Company if the status of the Lottery Bet is active or a status with an identical meaning. The order confirmation sent by email or the status pending or a status with an identical meaning only indicate that the Company has received the order on a lottery Bet, not that it has been accepted. Only with a status like “Active” in the overview is the lottery Bet considered to have been officially accepted.
4.15. The Company shall be allowed to suspend any User Account, if more than one year has elapsed since the last transaction by the User. Before the suspension, the Company will try to contact the User via the email or telephone contact provided during registration. In case the Company is not able to reach the User within four weeks and cannot specify their bank details for the transfer of a possibly remaining balance, the User’s claim to this balance expires. The Company is entitled to utilize the outstanding balance at their discretion including, and not exclusive of, a donation to a charitable organization.
5.1. The User affects an instruction to the Company to submit his lottery Bets via Company Insurance Service on the User’s behalf by filling out and submitting a Virtual Lottery Ticket on the Website for User’s chosen Lottery. To settle the Bet amount the User may either use funds available in his User Account or pay for the Bets by using the chosen payment method during check out.
5.2. Once the User has filled out the virtual lottery Bet, the Bet is transferred to the User’s shopping cart. Once the User has finished submitting his lottery Bets, the User may proceed to the Shopping Cart to effect payment.
5.3. The User then pays for the lottery Bets by providing the payment details and by clicking on the applicable button in the shopping cart. Where the User has a balance in his User Account and chooses to settle the Bet from his balance, the Bet amount is immediately deducted from User’s balance. The system will indicate to the User if there are sufficient funds available in his User Account and whether another payment method is required to be selected or not.
5.4. The Company does not offer credit for lottery Bets and the User must either have funds in the User Account or pay for the Bet using the chosen payment method.
5.5. Once any Bet has been submitted, it cannot be altered or cancelled.
5.6. The User will then receive an order confirmation which would include details on the Bet placed. The User may also review the full details on all his lottery Bets placed by logging into his User Account on the Website and review his history or active Bets as applicable.
5.7. Depending on the selected lottery, the User may submit his lottery Bets for a certain duration (the “Duration bet”) and also extend the duration automatically. Stakes for Duration bets will be debited by pre-payment at the beginning of the relevant duration for all relevant draws for the selected duration.
5.8. Subscription. The Company may offer subscription for certain lottery games allowing the User to automatically extend the submission period of User’s lottery Bets by selecting the “Subscription” option as applicable. Depending on the selected lottery the User may then select a period for the automated submission of lottery Bets for a period indicated upon Subscription from time to time. Once this Subscription period had elapsed the Bets are once again renewed automatically for the selected period of Subscription unless a notice of cancellation is received via the User Account. The cancellation of a Subscription must be submitted by the User to the Company three (3) days prior to the day of the applicable lottery draw, otherwise the automatic charge for the upcoming draw will apply.
5.9. The Company is authorized to, in its sole discretion, void any Bets, whether active or settled if:
- a. the Company was instructed to submit lottery bet after the relevant deadline or after the start of the relevant draw and/or the Company incorrectly accepted an instruction to submit lottery Bets on the Website after the relevant deadline or after the start of the relevant draw.
- b. the Company was instructed to submit a Bet by a User who has provided false, incomplete or expired information associated with their User Account or otherwise related to the Website or any the services available through it.
- c. the Company becomes aware of a genuine mistake in relation to a Bet submission or draw and is not able to contact the User to correct the error or confirm the lottery Bet prior to the deadline.
- d. the Company was instructed to submit a Bet by a User who is involved in any fraud-related activities relating to the submission of the Bet, the operation of the User Account or relating to the Website or the services offered by the Company.
- e. the Company was instructed to submit a bet by a User who was, at the time of the bet submission, less than 18 years old.
- f. the User maintains more than one User Account.
- g. in conjunction with any draw, fraud and/or technical and/or human error or unwarranted influence was found or the draw is declared by an organizer or co-organizer as being invalid.
5.10 Syndicates / Group Play Service
5.10.1 General. The Site enables multiple users to jointly purchase, through our Lottery Ticket Service, a number of Lottery Tickets for a given Lottery Draw and to share in any Prize which may be due if such Lottery Tickets are Winning Lottery Tickets (“Syndicate” or “Syndicated Group Play”). “Syndicate” means a group of users that uses our Service to purchase a set of Lottery Tickets through the Syndicated Group Play.
5.10.2 Shares. Syndicated Group Play offers players the ability to purchase one or more equal portions of ownership in a Syndicate and the Lottery Tickets purchased by the Syndicate (“Shares”), to the extent such Shares are available. Lottogroove determines: (i) the total number of Shares available for purchase in a Syndicate (“Total Shares”); (ii) the number of Lottery tickets purchased by the Syndicate; and (iii) the number combinations played by Lottery Tickets purchased by the Syndicate (“Lines”). Lottogroove collects the funds from players and the Site will display the Total Shares, the Lines played, and the remaining Shares available for purchase by you in the Syndicate prior to your purchase of any Shares. By purchasing a Share, you will not own any specific Lottery Ticket or Line purchased by the Syndicate. Any Shares not purchased by Site users shall be owned by Lottogroove.
5.10.3 Syndicate Prize Share. The portion due to you of any Prize resulting from Winning Lottery Tickets purchased on behalf of a Syndicate (“Syndicated Group Play Prize”) will correspond to the percentage of Shares you have purchased of the Total Shares in that Syndicate. The Syndicated Group Play Prize will be paid by Lottogroove into your Lottogroove account.
5.10.4 Limitation. Syndicated Group Play may not be available in combination with other service or features offered on the Site, including but not limited to our Subscription Service.
5.11 In the event that the remaining shares for El Gordo Navidad tickets chosen by players have been purchased during the carting process, shares of an automatically chosen random ticket will be substituted on the players behalf.
5.12 Cancellations. Cancellation of ticket purchases can only be requested within 24 hours of the purchase being made and must be requested via email. No tickets will be cancelled if their respective upcoming draws take place within 48 hours.
6.1. The User may deposit funds into his User Account using various options available on the Website through the “Deposit Money” function under “My Account” option. The main payment options available are:
- Credit Card (Visa, MasterCard)
- Bank Transfer
Any amount may be deposited using the selected payment method; however, the User is advised to deposit more than Euro10 as a deposit of a lesser sum may incur additional fees.
6.2. With a direct debit order and authorization respectively, the User agrees to allow the Company or its appointees, the authorization to debit the appropriate amount from the Bank account supplied by the User.
6.3. In case of a direct debit being returned to the Company, the Company may refuse to accept further payments. The Company is entitled to transfer claims against a User, including any possible additional fees to a collection agency.
6.4. Credit/Debit Card deposits will be immediately credited to the User Account. In the case of Bank Transfers, the User has to state his Username in all bank transfers. Bank Transfers will be credited to the User Account only when the funds have been received on the Company’s bank account. Such deposits may take 2-3 business days to be processed.
6.5. In cases where a payment to the Company from a User, or a deposit in a User Account, is stopped, interrupted, returned or for any other reasons not finalized or in cases where such payment is cancelled afterwards or theft or fraud are obvious in this case, the Company shall be entitled to debit the relevant amounts from the User Account, including any further fees charged to the Company.
6.6. The credit balance of a User’s Account does not generate any interest.
6.7. The credited amount deposited by the User and the payable credit balance on the User Account respectively are held in a bank account in the name of the Company and are not subject to any particular escrow or guarantees for protection in the event of insolvency.
6.8. The Company is authorized to debit the User Account with applicable expenses, which appertain to the costs incurred by the Company owing to the execution of assignments from a User or the execution of an order.
6.9. Transfers are cleared in the reference currency. For such transfers, the Company reserves the right to charge the User with the fees charged by the financial institution. The User must provide proof to the satisfaction of the Company, that the Bank Account is opened under his name.
6.10. Any applicable taxes, duties or levies on Winnings shall be charged to the User. The User is primarily responsible for correct payment of taxes, duties, and levies in their jurisdiction. In the event that the Company is required to pay taxes directly to the regulatory authorities of a country in respect of a User’s Winnings, then the Company shall be entitled to subtract those taxes from the User’s Winnings or claim them from the User.
6.11 Please consider that we take 2-5 business days to process your withdrawal request. Corresponding withdrawals will take up to 15 business days to reach your credit card or bank account. For any financial inquiries please send an e-mail to [email protected]
Withdrawals are subject to processing fees charged by your bank or payment processing providers.
6.12 Refunds Policy. The User is not entitled to receive a refund of funds if by the time of request the User presents any open ongoing Group Play, subscription or if in case of having Winnings to withdraw. The User is entitled to ask for a refund of funds deposited in any case that the client hasn't used the funds and the balance is still existing in the User Account, all subject to expenses indicated above and 6.13 below.
6.13 Any Promotional Bonus received will not count as funds and therefore cannot be refunded. To apply for a refund, the client must communicate with our support team via e-mail, phone or Live Chat. Each case will be analyzed by the support team which will reply to all communication means. Any funds due should appear on your bank statement within 5-15 working days. Note that refund times are dictated by the card issuers and are outside Company’s control.
6.14 The minimum withdrawal amount is 50 Euro.
6.15 All monies on lottogroove.com will be held in Euro. Deposits in other currencies will be converted at the Euro conversion rate for that currency at the time of conversion. All purchases and balances are based upon the Euro amount in a player's account. Amounts in currencies other than the Euro are for reference purposes only and may fluctuate based upon the Euro exchange rate. Any queries with regards to a player’s account with regards to funds, purchases and balances will be calculated based upon the Euro amounts indicated on the website www.lottogroove.com..
7.1. The Company shall be entitled to suspend any User Account from the use of the Website and cancel any of User’s Bet, if the Company believes that a User does not meet the requirements specified in these Terms and Conditions. In addition, the Company shall be entitled to suspend or terminate the relevant User Accounts or cancel any Bets, if the Company believes that:
- a. the User has provided false or misleading information when registering their User Account, submitting information about any payment methods or otherwise in connection with the Website and the services available through it; or
- b. the User is involved in any fraud related or illicit criminal activities; or
- c. the User maintains more than one active User Account, or
- d. the User is in breach of any other substantial provision of these Terms and Conditions; or
- e. In addition, the Company shall be entitled to suspend or close any User Accounts and Users from the use of the Website, if the Company believes that any details of the Bank Account or Bank Card were, or have become, incorrect or the card is reported as lost or stolen or is connected in any way to fraudulent activity; or Company receives a negative appraisal of creditworthiness for a User or any direct debit collection due from a User is returned for reasons attributable to the User or the User has allowed a third party to submit a Bet using their User Account.
7.2. During the period of any such suspension of a User Account, the User will not be allowed to access or use his/her User Account. Furthermore, the Company may investigate the events that initiated the suspension and will be entitled to require that the applicable User provides all such identification documents as the Company may require.
7.3. Should the Company discover that the event giving rise to suspension has occurred, the Company shall be entitled to permanently terminate the User Account in question. The Company may choose to do so once any outstanding Bets or Virtual Purchased Tickets associated with that User Account for future bets expire or otherwise may at its discretion void such Bets or Virtual Purchased Tickets. If the stake was placed by a User under 18 years of age, the Company shall void the relevant lottery bets and the User Account will be closed with immediate effect. The Company has to right to withhold any Winnings attributed to suspended or investigated User Accounts.
7.4. Should the Company establish that no breach has occurred, the suspension of the User Account will cease.
7.5. If the Company terminates a User's Account for any other reason, the Company will notify the User by email, using the email address provided during registration. In these circumstances, the Company shall rebate the balance held on the User Account to the User, after taking into consideration any active orders, bank fees, and shall remit the balance to the Bank Account provided by the User in the User’s name.
8.1 The calculation is different per underlying lottery (as organized and determined by the Lottery Organizer) and category prize winnings, Jackpot prizes of all lotteries will be paid out by the Company at the present Jackpot value of these amounts at the time of winning unless specified otherwise. The Jackpot will depend on the number of the underlying lottery winning tickets in that prize Category (actual winners of the Lottery Organizers), the number of Company’s Winning tickets in that prize category, the payable prize by the underlying lottery operator for the underlying lottery winning tickets in that prize category as well as the underlying lottery jackpot in that prize category.
8.2 Payments of Winnings is subject to the payment of such winnings from the Insurance Providers, thus may subject to delays which are beyond the control of the Company. The Company will make efforts to process payment of Winnings in timely manner, and User is obligated to cooperate with the Company as needed and to provide any and all information as may be required by the Company and the Insurance Providers for the purpose of processing the payment of the Winnings, including duly submitting any KYC form or any other form or information as may be required for that purpose.
There may be delays due to any security reviews which are undertaken by either the Insurance Provider or the Company in accordance to due diligence submissions.
Payment of Winnings of up to Euro 50,000 (up to fifty thousand Euro) may take up to thirty (30) days to process, whereas payment of Winnings which are above Euro 50,000 (above fifty thousands Euro) are subject to Company’s receipt of insurance coverage for such Winnings form the third party Insurance Provider and may take longer to process.
All Winnings withdrawn will be paid directly into the subscriber's nominated bank account.
8.3 The Company utilizes the services of Insurance Provider to underwrite the potential winnings arising from any of the products offered by the Company and may be subject to certain terms of contract with these parties which may impose obligations requiring any winner to submit verification documentation and sign releases as a precondition to payment. User undertakes to do all such acts and things as may be necessary as a precondition of payment should User win and should such condition be required to be fulfilled.
8.4 The aforementioned notwithstanding, the Company will do all such acts and efforts required for the collections of the Winnings from said risk managers or Insurance Provider including by legal proceedings as may be necessary. In addition, any delay in payment resulting from collection efforts shall be reported to the User and supported by documentation reflecting the cause for the delay as indicated by such risk managers and/or Insurance Provider. The Company will ensure that any said risk managers and/or Insurance Provider as aforementioned are bound by the obligation not to withhold any Winnings except with respect to Company's winners who fail to fulfill the preconditions for payment.
Only Bets submitted by the Company’s Website will be considered secured bets for the purposes of these Terms and Conditions and for winnings prizes.
8.5 The Company shall make all efforts to claim all Winnings on behalf of the User and will assign the Winnings to the account nominated by the User. For the purposes of these terms and conditions, Winnings refer to all amounts which are from time to time due and payable to the User from the Company’s Insurance Providers, derived from winning Bets, minus the costs associated with claiming the Winnings.
8.6 You shall indemnify us and hold us harmless, from and against all claims, liabilities, damages, losses, costs and expenses, including legal fees, arising out of or in connection with any breach of these Terms and Conditions by you, and any other liabilities arising out of your use of the services offered on the Website or any unauthorized use of the Website by any third party using your User Account details.
8.7 The Company reserves the right to cancel, at its discretion, any Bet or transaction arising from such occurrence. The Company will not entertain any claims or accepts any liability for losses sustained by User’s inability to access the Company Website, due to malfunction, cancellation of accounts, inability to provide markets, suspension of services or otherwise, regardless of the cause.
The Company may, at its sole discretion and without incurring liability of any kind, and at any time suspend the Company service in whole or in part.
8.8 The User will indemnify the Company against any loss caused by incorrect credits or debits to his account, including but not limited to, erroneous deposits or Winning Bet payouts. The Player authorizes The Company to debit any amounts which have been incorrectly credited (through error, negligence or otherwise) to the User account.
8.9 Without prejudice to any other provision of these Terms and Conditions, the Company shall not be liable to any person for:
8.9.1 any event beyond its reasonable control including without limitation, any act of God, actual or threatened war or other threat or challenge to governmental authority, confiscation, nationalization, requisition or destruction of or damage to property by or under the order of any Government or public or local authority, strike, lockout, industrial action, fire, flood, drought, tempest, power cut and/or failure or obstruction of any network, broadcasting or telecommunications service; or
8.9.2 for the failure of, or damage or destruction to, or any errors caused by the computer systems or records or any third party (including, without limitation, the Website), or any aspect of the foregoing; or
8.9.3 for delays, losses, errors or omissions in or made by the postal or other delivery service or by the banking system; or
8.9.4 for any other action or event that prevents or hinders the acceptance of a Bet; or
8.9.5 for the refusal or inability of the Company to allow any person to participate or to place any transaction; or
8.9.6 for any losses caused by the User including misuse or unauthorized use of passwords, money lost by participating in the Company’s services and failure or malfunction of the equipment or technology of the relevant User or their internet service provider.
8.10 The Company and its associated brands are not associated with any of the companies that operate the underlying lotteries.
8.11 The User understands that the Company reserves the right to change or remove any of its services at any time or to amend these Terms and Conditions at any time. User’s continued use of the services after such amendment shall be deemed as acceptance by the User of the revised Terms and Conditions.
8.13 Winnings are only payable to the User by processing such Winnings through the User’s confirmed Bank Account. Failure by the User to provide a valid verified Bank Account for the transfer of any Winnings will deny the User of the Winnings and the User will have no complaints against the Company with that respect.
8.15 Winnings will be the Lump Sum cash payout amounts as calculated by the underlying lottery operator. These Lump Sum amounts may have additional costs or deductions attached by the lottery operator that will cause the final winning amount to differ from the advertised jackpot or tier amount indicated by the underlying lottery operator.
9.1. Company reserves the right to amend, correct, suspend or cease any parts of the Website and its content, services and products available through it. Any such changes shall not be applied retrospectively and in the event that such changes affect active Bets, Company is authorized to void such Bets and the Stakes shall be repaid to the User Account.
9.2. Company is not responsible for any advertising banners or promotional links of third party advertisers on the Website.
9.3. Users must not abuse the Website by introducing viruses, worms, Trojans or other material that could be malicious or harmful. Company will not be liable for any loss or damage to Users caused by a distributed denial-of-service attack, viruses or other harmful material that may infect a User's computer equipment, computer programs, data or other material while using the Website or any website linked to it.
9.4. While Company strives to ensure that all the information on the Website is correct, Company does not guarantee the accuracy of all the content. The Website may include errors or inaccuracies, or out of date information.
9.5. The contents and details of the Website, including these Terms and Conditions, are protected by international copyright and other intellectual property rights. All products and Company names and logos mentioned on this Website are the trademarks or trading names of their respective owners, including Company Users are permitted to print and download extracts from this Website only for their personal reference, and only provided that:
- a. no graphics on this Website are used separately from accompanying text;
- b. no documents or related graphics on this Website are modified in any way; and
- c. the status of Company (and of identified contributors) as the author of any material on this Website is acknowledged.
Otherwise, no part of this Website may be reproduced, modified, copied, uploaded, posted, transmitted or distributed, by any means or in any manner.
10.1 Company fulfills all the statutory requirements regarding protection of the personal data of Users.
10.2 Company shall only process personal data for the purposes of providing Users with the services on the Website. User data may also be used by Company to inform the User about any upcoming events, new products and other newsworthy items provided that User consented to receive such information.
10.3 The User may unsubscribe from receiving marketing information from Company at any time.
Company will accept Bets covered by Company's Insurance Service by Insurance Provider, where instructions to place the Bets have been duly given by the User.
User may submit a Bet with Company for lottery game which is either covered under the Insurance Services of the Insurance Provider or otherwise for which an actual ticket may be purchased, depending on the availability of such purchase.
For the avoidance of any doubt Company is not the Lottery Organizer and is not in any manner related to the Lottery Organizer. The Company may not guarantee the availability of actual ticket purchase for lottery draws which are not covered by Company’s Insurance Provider, which will be blocked for User participation in the event no actual ticket is available.
By using the Company’s Website, the User is submitting Bets on the expected results of the draws of the underlying lotteries operated by Lottery Organizers as further detailed herein below.
The lottery games offered and the way in which we operate our Winnings are as indicated in Appendix A - Games Offered and Winnings.
11.11 Group Play (Syndicate) Games
11.11.1. Lottery Group Play (also known as a Lottery Syndicate or Lottery Pool) refers to a group of individuals who choose to play the same number combinations together as a group. All winnings from lines played by the syndicate will be shared between all the active members of the syndicate, depending on the amount of shares each individual has.
11.11.2 A share refers to the percentage of prize winnings a User is entitled to in Group Play lottery play.
11.11.3 Each Group Play game has its number of lotteries offered, the number of lines and the number of shares (by which the amount of Winnings will be divided, if applicable).
11.11.4 Users participating in Group Play will receive an email directly after each draw informing them of all their winnings if any. A User can also login to the User Account at any time and check their latest winnings.
11.12 General Lottery Bet Rules
11.12.1. Company strives to ensure that all the jackpot values for all lotteries offered on the Website are correct, but assumes no responsibility for errors contained in such information. Company estimates the amount of future jackpots using certain assumptions, such as the current or future jackpot being won or rolled over, but is not liable for false assumptions, calculations or forecasts.
11.12.2 Valid lottery Bets will be submitted on the next relevant draw that takes place, provided that they are placed before the respective deadline and provided that the User has not selected something else on purpose. The deadline will be displayed on the Website. It is up to the User to make sure that the instructions are given to submit the Bet before the relevant deadline. For the avoidance of doubt, instructions to place or the apparent submission of a Bet after the start of a specific draw or a draw that has actually occurred will not be valid, irrespective of any automatic confirmation, that may be generated via email or the Website, or irrespective of a wrong deadline displayed on the Website.
11.12.3 If a lottery holds multiple draws on the same date, then unless otherwise specified by the lottery, a User's lottery Bet will apply only to the main draw taking place on that date (or, where no main draw takes place, the first draw), under exclusion of any other draw made by the lottery in question.
11.12.4 If a lottery draw does not take place or no draw result is published or officially announced, all valid lottery bets on that draw will stand for the rescheduled draw (or, if there is none, the next available relevant draw).
12.1. A User cannot claim any Winnings or payout from the Company and/or Company may at its discretion decide about the validity of a lottery bet or a User's entitlement to Winnings or void a bet provided that:
- a. Bets were placed after the relevant deadline or after the start of the relevant draw; or
- b. Bets were erroneously accepted after the relevant deadline or if the relevant draw had already begun or taken place; or
- c. Company becomes aware of an error in relation to that bet or draw and is not able to contact the User to correct the error or confirm the bet before the deadline; or
- d. the Bet was placed on behalf of a User who has provided false information in regards to their User Account or otherwise in connection with the Website or the services available through it; or
- e. the Bet was placed on behalf of a User who has been involved in any fraud-related activities in relation to the placing of the bet, the operation of the User Account or otherwise in connection with the Website or the services available through it; or
- f. the Bet was placed on behalf of a User who is less than 18 years old or is a director, officer, or employee (or their spouse or dependent) of Company or of one of Company Group companies; or
- g. the User maintains more than one User Account; or
- h. in conjunction with any draw, fraud, technical and/or human error or unwarranted influence was found; or
- i. the draw is declared by an organizer or co-organizer as being invalid.
- j. Furthermore Company may void a lottery Bet if the Insurance Provider authorizes or instructs it to do so.
12.2. When deciding if Winnings are to be paid out due to 12.1., Company may base its decision on information that is researched and/or held by the Insurance Provider or Lottery Operator and forwarded to Company. Company is not obliged to carry out investigation on its own.
12.3. If any lottery Bet is voided in accordance with Condition 12.1. (a), (b), or (c), the Company will offer the User, the option of placing any such Bet on the next relevant draw or crediting the User's User Account with the relevant sum. If any lottery Bet is otherwise voided in accordance with these terms, the relevant sum associated with that bet may be forfeited, except where the Bet was placed by a User who is under the age of 18.
12.4. Company reserves the right to: a) set off the amounts of any unpaid bets for bets owed by that User against a User's Winnings; b) to terminate, vary or suspend any product offered on the Website, immediately and without prior notice, for any reason and at Company’s sole discretion; and c) to require that, but shall not be obliged, the relevant User provides identification documents in order to enable the Company to satisfy itself as to the validity of User Account details and the User's entitlement to the Winnings in accordance with these Terms and Conditions. The Company may withhold payment of Winnings until any such matter has been fully resolved.
12.5. The Company may decide in regards to an acceptance of a User’s lottery Bet prior to the beginning of the draw. If the Company does not accept a bet, the User will be reimbursed accordingly.
12.6. Offered Lotteries Limitation. It is hereby clarified that the Company offers the Users’ participation in lotteries as indicated herein these Terms and Conditions, which offer Prize at the maximum amount of $200,000,000 all based on Company’s Insurance Services and Virtual Ticket Purchase. For lottery draws which offer Prize that exceeds $200,000,000, User participation is dependent upon the availability of and actual ticket which must be purchased from third party providers to ensure payment of the prize offered if won, in the event no ticket is available for such draw, placing a Bet on such lottery draw will be blocked.
12.7 Fixed Odds. The Company may offer certain games which are based on fixed odds from time to time. The prize and the odds for such fixed odds games offered will be available to the User on the Website at the time of placing the Bet.
12.8 Bonus. The Company may grant the User with bonus money or free entry to a specific lottery draw, all subject to the promotions offered by the Company from time to time which may vary from one User to another and all subject to Company’s sole discretion. Any bonus or free entry may be subject to terms made available to the User on the time of such offer. In addition to any such term, it is hereby clarified that withdrawal of any amount won by a User specifically through the use of any free entry granted to the User as aforementioned, may be approved provided that: a. the User has an active User Account with the Company for a period of three (3) calendar months or longer; or b. the User has deposited at least Euro 180 to the User Account. The aforementioned is in addition to any terms which may be applicable to any promotion or offer provided to the User by the Company from time to time.
12.9 The following terms and conditions will also apply to bonuses and promotional offers by default: Welcome bonuses and promotional offers are available for first time players at www.lottogroove.com only. Players must be registered when choosing tickets to receive welcome offers. All Bonuses and promotional offers: Only one redemption per bonus allowed per player and/or IP address. Bonus money is not transferable and cannot be exchanged for cash. Bonus money can only be used at www.lottogroove.com. Winnings will be paid out to a bank account of the player’s choosing. Offers are for a limited time only. Bonuses may be retracted at the sole discretion of lottogroove.com.
13.1. Company’s complaints procedure has assigned three levels to be allocated to complaints received. For levels 1 to 3 the User may contact the User Service via email [email protected] Each correspondence shall be marked as “Complaint” and shall receive a reference number, provided that Company has allocated a reference number to the relevant complaint.
13.2. Under level 1, the complaint will be attended to by an employee from the User Service.
Under level 2 the complaint will be attended from the head of User Service.
Under level 3 the complaint will be attended from a director of the Company.
13.3. In a case where the User is dissatisfied with the result of their complaint they may ask for the review of the complaint by the next higher level.
14.1 In the event of a dispute in respect to a lottery bet or the payment or awarding of any Winnings, Company may withhold payment of the Winnings until any dispute has been fully concluded.
14.2 Where Company makes a final decision or exercises any discretion referred to above, Company may, solely at its discretion and notwithstanding Condition 13, reimburse the sum paid by the User for the relevant Bet or offer a new Bet to the User.
15.1. Company will not be liable to a User or third parties, whether in contract, tort (including negligence, breach of statutory duty or other tort) or otherwise for:
- a. any loss of business, revenue, anticipated savings or profits (whether direct or indirect); or
- b. any indirect, special or consequential loss, damage, costs or other claims, howsoever caused or arising, whether through non-supply or late supply of the Website or any other service available through the Website, non-performance of these Terms and Conditions or otherwise.
15.2 These Terms and Conditions do not affect the Company’s liability for cases of death and injuries to persons because of negligence of Company or for fraud.
15.3 Without prejudice to any other provision of these Terms and Conditions, Company shall not be liable to any person:
- for any event beyond its reasonable control including without limitation, an act of God, actual or threatened war or other threat or challenge to governmental authority, confiscation, nationalization, requisition or destruction of or damage to property by or under the order of any Government or public or local authority, strike, lockout, industrial action, fire, flood, drought, tempest, power cut and/or failure or obstruction of any network, broadcasting or telecommunications service; or
- for the failure of, or damage or destruction to, or any errors caused by the computer systems or records or any third party (including, without limitation, the Website), or any aspect of the foregoing;
- for delays, losses, errors or omissions in or made by the postal or other delivery service or by the banking system; or
- for any other action or event that prevents or hinders the acceptance of a lottery Bet; or
- for the refusal to sell a virtual lottery ticket to any person or to allow any person to submit a Bet; or
f. for any losses caused to Users including misuse or unauthorized use of Passwords, money lost by placing Bets and failure or malfunction of the equipment or technology of the relevant User or their internet service provider.
16.1. Company endeavors to ensure that the Website and the services available through it are available to Users as much as is reasonably possible, but Company cannot and does not guarantee that:
- a. the Website will be available at any specific time or for any specific period; or
- b. the Website's features, functionality or performance will meet the User's requirements or those of third parties; or
- c. the Website or its features and functionality are, or will be, compatible with, or available on, the device or system used by a User to access the Website.
- d. Furthermore, Company does not warrant that any alerts or bits of advice a User may choose to subscribe to will be provided in advance of the deadline for instructing Company to submit a Bet on the relevant draw and shall have no liability to a User if any such alerts or bits of advice are incorrect or delayed or are not sent to or not received by the User.
16.2. Company will use reasonable endeavors to ensure that the results and Winnings provided by it are correct. In spite of all endeavors for warranty of the accuracy of this information Company shall have no liability for errors which are discovered only after Winnings have been paid out where such error is based on incorrect information that is published by the official lottery or relating websites relevant to those Winnings.
16.3. Company will not be held responsible for loss or damage because of the insolvency of third parties, including banks maintaining the bank accounts of Company.
16.4. The liability of Company against the User is limited to the aggregated sum, which the User has spent for a draw or bet.
17.1. Company shall not be liable for any loss or damage that may arise from the insolvency of third parties, including the Insurance Provider or any bank, including (without limitation) any bank with which Company maintains its accounts.
17.2. Any liability that Company may have towards a User other than an obligation to pay Winnings which were covered and paid by the Insurance Provider to the User for successful and valid Bets and accepted according to these Terms and Conditions is limited to:
- in the case that the liability refers to a Bet: to the total amount of the User’s Stake in regards to that specific bet
- in all other cases: to the amount of Euro 5.000,00 (five thousand Euros).
17.3. The use the Website and Services are at your own risk and the company shall not be responsible for any damages or losses of any kind that you shall incur as a result of your use of the Website or modifications and enhancement and the termination and or suspension and/or discontinuation of the Website or any of the web site’s Services. The company shall not be responsible for any damages or losses you may suffer as a result of your use or reliance on the content of the Website or other websites to which links appear on the Website. Any third-party links, services, resources and information that appear on the Website are not controlled or endorsed by the Company. We make no warranties regarding such third-party services, resources and information, and we will not be liable for your use of or reliance on such third-party services, resources or information.
The User expressly acknowledges and agrees that the Website offers gaming and lottery activity which may involve loss of deposits and with regards to which winnings are not and cannot be guaranteed by the Company. User acknowledges that the use of the Website is at User’s sole risk. The Company nor any of our respective employees, agents, or licensors warrant that this Website will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the Website.
18.1. The agreement between (i) the User and Company in regards to this Website and the therein offered services contain:
- a. these Terms and Conditions; and
- c. the explanations and clarifications appearing on the Website; and
- d. any additional terms and conditions relating specifically to any game or bonus offered on the Website from time to time which may be provided to the User upon participation or inquiry into such games.
18.2. Company does not separately file the individual Terms entered into by Users when they register or play on the Website. Users can access these Terms and Conditions on the Website. Users can make a durable copy of these Terms by printing or saving a downloaded copy on their own computer.
19.1. All transactions including the payment of Winnings whether contractual or otherwise between the User and Company shall be deemed to be concluded and to take place in Curacao where Company’s servers are located.
19.2. These Terms and Conditions, the relationship between Users and Company and each Bet shall be governed by and construed in accordance with the laws of Curacao . Each bet is submitted and received in Curacao.
19.3. The User submits herewith to the exclusive jurisdiction of the Curacao courts in relation to all disputes arising in connection with these Terms and Conditions or any bet submitted on the Website.
19.4. Each User acknowledges and accepts that the fact that Company cannot and does not give any legal advice or assurances or make any representation of any kind in respect of the legality of using their services in the jurisdiction where Users reside or are located.
19.5. Company will not be liable for any illegal or unauthorized use of the Website or their respective services.
20.1. If any provision of these Terms and Conditions is held to be invalid or unenforceable by any judicial or other competent authority, all other provisions of these Terms and Conditions will remain in full force and effect and will not in any way be impaired.
20.2. If any provision of these Terms and Conditions is held to be invalid or unenforceable but would be valid or enforceable if some part of the provision were deleted, the provision in question will apply with the minimum modifications necessary to ensure it is both valid and enforceable.
20.3. Please note that all notices under these Terms and Conditions are to be sent and received by email. For this purpose, User notices should be sent to [email protected] The Company will send its notices to the User via the email address specified in the User Account. Any communication between a User and Company should be sent via email.
20.4. The Company may assign any rights and/or transfer or delegate respective obligations under these Terms and Conditions, and/or charge or deal in any other manner with any contract created under these Terms and Conditions or any of the Company’s or the User's respective rights or obligations. For the avoidance of doubt, Company may transfer and assign any contract between Company and a User to any third party (including an affiliated company of the Company or lottery) in conjunction with the transfer of all or part of the business and assets of the Company or lottery. Such rights of assignment and/or transferal do not apply to Users.
20.6. Any purported assignment, transfer, sub-contracting, delegation, charging or dealing in contravention of these Terms and Conditions by the User shall be invalid. These Terms and Conditions are linked to the User and are for their own benefit and not for the benefit of any third party.
20.7. From time to time Company may offer bonuses to a User if and when certain requirements are met. In general, bonuses cannot be withdrawn. Details and rules of special bonuses will be available on the website as and when these are made available to new and existing Users subject to Company’s sole discretion.
20.8 Failure to exercise or delay in exercising any right or remedy under these Terms and Conditions does not constitute related or other waivers. A waiver of any rights or remedies to the Terms and Conditions does not constitute a continuing waiver of such or any rights or remedies.
LOTTOGROOVE.COM ANTI MONEY LAUNDERING POLICY (THE “AML POLICY”)
In terms of the law, money laundering refers to offences where the identity of the proceeds generated from crime or terrorism are disguised so as to portray the appearance of a legitimate income. These offences include possessing or in any way dealing with or concealing or converting the proceeds of any crime, as well as funds likely to be used for terrorism or the proceeds of terrorism. LOTTOGROOVE.COM acknowledges that it is common for criminals to target online firms through which they attempt to launder criminal proceeds without such firm’s knowledge or suspicions.
In reality, to most people who are likely to come across it, money laundering involves a suspicion that someone they are dealing with is benefiting financially from dishonest activities. Hence, the money laundering aspect for LOTTOGROOVE.COM would be the attempt to transact with LOTTOGROOVE.COM using assets and monies derived from the proceeds of crime or terrorism.
Within the territories of the EU alone, estimations indicate that billions are laundered on an annual basis. In response to the scale and effect of money laundering, many countries have passed Anti-money laundering (AML) legislation which incorporates a complex of measures aimed at prevention of use of the financial system of a country or any specific financial institution for money laundering or terrorist financing. Such measures and instruments are worked out and implemented by international and national institutions, banking and business community and are designed to prevent money laundering and to combat terrorism.
AML LEGAL AND REGULATORY FRAMEWORK
The Anti Money Laundering principal legislation and regulations are the Terrorism Act 2000, Proceeds of Crime Act 2002 and the Money Laundering Regulations 2007. A notable aspect of this legislation was that the burden for identifying acts of money laundering was significantly shifted from Police and Government agencies to organizations and their employees.
It is important to acknowledge the three primary offences related to money laundering, which are concealing, arranging and acquisition, use or possession, which corresponds to the following:
(a) “concealing” is where someone knows or suspects a case of money laundering but conceals or disguises its existence.
(b) “arranging” is where someone involves himself or herself in an arrangement to assist money laundering.
(c) “acquisition‟, “use‟, or “possession‟ is where someone seeks to benefit from money laundering by acquiring, using, or possessing the property concerned.
In addition to the above, there are additional two offences by third party failing to disclose a primary offence and tipping of:
(a) “failing to disclose a primary offence‟ is where someone becomes aware or suspects money laundering, but fails to take action in reporting it; and
(b) “tipping off‟ is where someone informs a person who is, or is suspected of being, involved in money laundering, in such a way as to reduce the likelihood of being investigated, or prejudicing an investigation.
Money laundering offences may be committed by an organization itself, as well as by the directors, employees and Partners working within it.
LOTTOGROOVE.COM AML POLICY
The LOTTOGROOVE.COM AML Policy is designed to ensure that all group companies comply with the restrictions and requirements set out under the AML legislation obligations including the need to have adequate systems and controls in place to mitigate the risk of LOTTOGROOVE.COM platform being used to facilitate a financial crime. This AML Policy sets out the minimum standards which must be complied with and include:
- a) COM only accepts digital payments, such as debit card transactions or similar payment services through a payment gateway provider. These digital payments are subject to payment gateway solution providers’ Anti Money Laundering procedures. Given that a purchase will always be digital, LOTTOGROOVE.COM is not a prime target for money laundering as all digital transactions will be fully recorded, auditable and secure. However, given the scope of the service reaching a variety of customers, it is not possible to be wholly immune from money laundering risks.
- b) Establishing and maintaining a risk-based approach toward assessing and managing the money laundering and terrorist financing risks to LOTTOGROOVE.COM.
- c) Establishing and maintaining risk-based customer due diligence, identification, verifications and know your customer (KYC) procedures, including enhanced due diligence for those customers presenting higher risk with annual ongoing due diligence.
- d) Establishing and maintaining risk-based systems and procedures to monitor ongoing customer activity for irregularities, under which all transactions, including currencies, amounts, dates, time, customer name and address will be recorded and monitored on a regular basis.
- e) Training and awareness for all relevant employees.
- f) The maintenance of appropriate records for the minimum duration required under the applicable law.
- g) COM has business account with reputable banks.
- h) COM customers will use confirmed payment methods through which deposits and withdrawals will be processed, no other means of payment will be acceptable. Furthermore, LOTTOGROOVE.COM Customers are limited to a maximum transaction volume of Euro 500 per day.
- i) Any customer withdrawal requests, chargebacks or refunds will be processed using the confirmed payment method used to deposit funds and only to payment method in which the customer is the sole beneficiary.
APPOINTMENT OF A MONEY LAUNDERING REPORTING OFFICER (THE “MLRO”)
In addition to all actions abovementioned, LOTTOGROOVE.COM has appointed a money laundering reporting officer, the MLRO, who has sufficient level of seniority and independence and who has the responsibility to oversight the compliance with relevant legislation, regulations, rules and industry standard. The MLRO will have access to the record of all transactions (whether past, active or cancelled transactions). LOTTOGROOVE.COM will implement a disclosure procedure to report suspicions of money laundering directly to the MLRO.
MLRO REPORTING DISCLOSURES
Upon receipt of a disclosure report, the MLRO must note the date of receipt and acknowledge receipt of it. The MLRO will advise the officer making the disclosure of the timescale within which he expects to provide a response.
The MLRO will consider the report and any other relevant information in order to ensure that all available information is taken into account in deciding whether a report to the National Crime Agency is required (such enquiries being made in such a way as to avoid any appearance of tipping off those involved). Other relevant internal information may include: (a) reviewing other transaction patterns and volumes; (b) the length of any business relationship involved; (c) the number of any one-off transactions and linked one-off transactions; and (d) any identification evidence held.
APPROVAL AND GOVERNANCE
This policy is approved by all LOTTOGROOVE.COM current active directors and may be amended from time to time in accordance with the applicable laws and regulations pertaining to the subject matter herein.
we set out further information on how we operate, how Winnings will be calculated for Successful Bets and the terms that apply in relation to the same.
For the purposes of this Appendix, the following terms will have the following meanings:
"Combo Bet" – choosing one or more extra numbers in addition to the Main Numbers and where applicable to the Special Numbers, both as defined below. In a Combo Bet, every combination will be considered as a separate betting slip.
"Main Numbers" – the numbers that your bet selects as being the main numbers which will be drawn in a Source Lottery.
"Prize TIER" – as the Tier within which a Prize Level will fall depending on the rules of the Source Lottery and which determines how the applicable Winnings are calculated.
"Prize Level" – the Level within which a Successful Bet will fall depending on the number and allocation of Main Numbers and Special Numbers selected when placing that Successful Bet (in accordance with the rules of the applicable Source Lottery).
"Special Number" – any number additional to the Main Numbers that are drawn separately from the main draw, whether selected by you as additional numbers ("powerball number", "lucky star number", etc.) or bonus numbers that are not requiring separate bet from the Main Numbers. Special Numbers are not applicable to all Source Lotteries.
"Source Lottery Jackpot" - the aggregate sum payable by the Source Lottery Operator to Ticket Holders in respect of all Source Lottery Prize Tickets in a Prize Level in Tier 1 or Tier 2 with regards to the relevant draw of the Source Lottery, as announced by the Source Lottery Operator.
"Source Lottery Operator" - the lottery company that organises and runs the Source Lottery.
"Source Lottery Prize Ticket" – any winning ticket in the Source Lottery.
We act as a bookmaker in respect of bets that you place on the outcome of Source Lotteries. We always endeavor to pay out all Winnings in respect of Successful Bets and in order to do so, we use certain hedging measures and financial instruments. In particular, we may take out insurance policies in order to cover certain payouts to players.
In some cases, instead of using financial instruments to endeavor to pay out Winnings, we may purchase actual tickets in the Source Lottery being bet on on behalf of you. In the event that we do so and you are due Winnings in respect of a Successful Bet, we may need your assistance in claiming the applicable winnings from the Source Lottery, which may include you having to claim the winnings directly from the Source Lottery Operator..
If we require you to do so, we will reimburse you for any reasonable expenses incurred by you as approved by us in advance. In claiming winnings directly from the Source Lottery Operator, if such winnings for such entries incur any taxes, duties or levies, these are to be borne by you. Under no circumstances will we have any obligation to pay you any amount the Source Lottery Operator may fail to pay you in connection with any winnings for such entries.
If you are unwilling or unable to assist, we may not be able to claim the winnings from the Source Lottery.
As a result of the above hedging techniques, whilst we will make every effort to payout as per the prize table below, depending on the technique used we may be reliant on: (i) the Source Lottery Provider paying us the applicable winnings; and (ii) the insurance provider paying out the insurance claim (such winnings and claim being together the "Funds").
Provided we have used reasonable endeavours to obtain the Funds, you acknowledge and agree that we will only be liable to you for any Winnings in respect of Successful Bets to the extent that we have received the Funds from the applicable third party. We will pay your Winnings to you to the extent that and as soon as we receive the corresponding Funds from the applicable third party. As a result, there may be instances where your receipt of Winnings in respect of Successful Bets may be delayed and/or we may be unable to payout in accordance with the table set out below. If, for any reason following these endeavors, we fail to obtain the Funds, our liability to you in respect of your Winnings in respect of Successful Bets will be limited to the amount of your Winnings, up to a maximum of £1,000,000.
Following the draw of a Source Lottery by the Source Lottery Operator, we will calculate the Winnings for each Successful Bet made in respect of such Source Lottery (in accordance with the provisions set out below) in the original currency of the Source Lottery. It may take us a short period of time to do so, and to notify you of any Winnings.
Which calculation will apply depends on: (i) the Source Lottery that the Successful Bet was placed on; (ii) the Prize Level within which the Successful Bet falls; and (iii) the Prize Tier within which this Prize Level falls. In the table below we explain how these three factors interrelate.
The applicable Prize Levels in the table below are denoted by the single numbers (not in brackets). Depending on the Source Lottery, these may fall within one of three Prize Tiers: Tier 1, Tier 2 or Tier 3.
Which Prize Level a Successful Bet will fall into will depend on the number and combination of Winning Numbers matched by the Player in his/her bet with the draw of the Source Lottery. These are denoted by the numbers in brackets below. When two numbers are referenced in the brackets, the first number represents the applicable Main Numbers that need to be matched and the second number the Special Numbers that need to be matched in addition to the Main Numbers. Where only one number is listed in brackets, no Special Numbers apply.
For example, in the below table for the EuroMillions Source Lottery, '2 (5+1 correct)' is listed in the Tier 2 Prize column. This means that Prize Level 2 for this Source Lottery falls within the Tier 2 Prize Tier (and therefore Winnings will be calculated in accordance with the calculations set out below for Tier 2). The numbers in brackets mean that in order for a Successful Bet to fall within Prize Level 2, it must match 5 Main Numbers and 1 Special Number correctly.
|lottogroove.com Game||Source Lottery / Source Lottery Operator||Tier 1||Tier 2||Tier 3|
|EuroMillions||EuroMillions / LAE||1 (5+2 correct)||2 (5+1 correct)||4 (4+2 correct)|
|3 (5 correct)||5 (4+1 correct)|
|6 (3+2 correct)|
|7 (4 correct)|
|8 (2+2 correct)|
|9 (3+1 correct)|
|10 (3 correct)|
|11 (1+2 correct)|
|12 (2+1 correct)|
|13 (2 correct)|
|US PowerBall||Powerball / US||1 (5+1)||-||2 (5 correct)|
|3 (4+1 correct)|
|4 (4 correct)|
|5 (3+1 correct)|
|6 (3 correct)|
|7 (2+1 correct)|
|8 (1+1 correct)|
|9 (0+1 correct)|
|EuroJackpot||Eurojackpot / DLTB||1 (5+2 correct)||2 (5+1 correct)||4 (4+2 correct)|
|3 (5 correct)||5 (4+1 correct)|
|6 (4 correct)|
|7 (3+2 correct)|
|8 (2+2 correct)|
|9 (3+1 correct)|
|10 (3 correct)|
|11 (1+2 correct)|
|12 (2+1 correct)|
|German Lotto||Lotto 6 aus 49 / DLTB||1 (6+1)||2 (6)||3 (5+1 correct)|
|4 (5 correct)|
|5 (4+1 correct)|
|6 (4 correct)|
|7 (3+1 correct)|
|8 (3 correct)|
|9 (2+1 correct)|
|US MegaMillions||Mega Millions / US||1 (5+1)||-||2 (5 correct)|
|3 (4+1 correct)|
|4 (4 correct)|
|5 (3+1 correct)|
|6 (3 correct)|
|7 (2+1 correct)|
|8 (1+1 correct)|
|9 (0+1 correct)|
|Superenalotto||Super Enalotto / Sisal||1 (6)||-||2 (5+1 correct)|
|3 (5 correct)|
|4 (4 correct)|
|5 (3 correct)|
|6 (2 correct)|
|Irish Lotto||Lotto / PLI||1 (6 correct)||2 (5+1 correct)||3 (5 correct)|
|4 (4+1 correct)|
|5 (4 correct)|
|6 (3+1 correct)|
|7 (3 correct)|
|Australian OZ Lotto||Oz Lotto / NSW||1 (7 correct)||-||2 (6 + 1 correct) OR (6+2 correct)|
|3 (6 correct)|
|4 (5+1 correct) OR (5+2 correct)|
|5 (5 correct)|
|6 (4 correct)|
|7 (3 +1 correct) OR (3+2 correct)|
|Australian OZ Powerball||Powerball / NSW||1 (6+1 correct)||-||2 (6 correct)|
|3 (5+1 correct)|
|4 (5 correct)|
|5 (4+1 correct)|
|6 (3+1 correct)|
|7 (4 correct)|
|8 (2+1 correct)|
|Mega-sena||Mega-Sena / Caixa||1 (6 correct)||-||2 (5 correct)|
|3 (4 correct)|
|Canadian Lotto 6/49||Lotto 6/49 / OLG||1 (6 correct)||2 (5+1 correct)||3 (5 correct)|
|4 (4 correct)|
|5 (3 correct)|
|6 (2+1 correct)|
|El Gordo La Primitiva||1(5+1)||2(5+0)|
- The promoter is lottogroove.com
- The competition is open to all players aged 18 years or over except employees of lottogroove.com and their close relatives and anyone otherwise connected with the organization or judging of the competition.
- Entries can be made by signing up to lottogroove.com and predicting 6 numbers to be randomly drawn.
- By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
- Route to entry for the competition and details of how to enter are via lottogroove.com
- Only one entry per person.
- Closing date for draw entries will be 22 April 2019 12pm GMT. After this date no further entries to the draw will be permitted.
- No responsibility can be accepted for entries not received for whatever reason.
- The rules of the competition and how to enter are as follows:
- Contestants may enter the draw by commenting on the Easter competition and choosing 6 numbers from any of the eggs displayed.
- The draw incorporating all valid entries will take place on 26 April. Winners will be announced on the website lottogroove.com and via social media.
- Closing Date for the draw is 22 April 2019 11pm GMT.
- The promoter reserves the right to cancel, extend or amend the competition and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter.
- The promoter is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this competition.
- The prizes are as follows: 7 Day Holiday for 4 to the Maldives, Samsung 82" Premium UHD LED Smart TV, Apple iPhone XS Max 512GB
- Winners will be chosen at random by software, from all entries received with the correct prediction and verified by the Promoter and or its agents.
- The winner will be notified by email within 28 days of the drawing date. If the winner cannot be contacted or does not claim the prize within 14 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.
- The promoter will notify the winner when and where the prize can be collected / is delivered.
- The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.
- Players are bound by the terms and conditions of lottogroove.com available at https://lottogroove.com/terms_condition.php.
- Lottogroove.com also reserves the right to cancel the competition if circumstances arise outside of its control.
- The winner will have the option to have his/her name in publicity material. Any personal data relating to the winner or any other entrants will be used solely in accordance with current data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.
- The winner’s name will be available 28 days after closing date by emailing the following address: [email protected]
- Entry into the competition will be deemed as acceptance of these terms and conditions.
- Lottogroove.com will judge the competition and decide on the prize winners, which will be picked at random from all correct entries via the lottogroove.com website, and the grand prize winner at the end of the competition, which will be picked at random from all entries via the lottogroove.com website.
- Lottogroove.com‘s decision as to those able to take part and selection of winners is final. No correspondence relating to the competition will be entered into.
- Lottogroove.com shall have the right, at its sole discretion and at any time, to change or modify these terms and conditions, such change shall be effective immediately upon posting to this webpage.
- Only one account per person, dual accounts will be disqualified.