GENERAL TERMS AND CONDITIONS, AS AMENDED ON 12.01.2023

ACCESSION AGREEMENT – TERMS AND CONDITIONS

TABLE OF CONTENTS

1. DEFINITIONS

The following terms, as used hereinafter, when used with their first letter capitalized, shall have the following meanings:

(1) "Online Gaming License" or "License": The administrative license issued by the HGC for Organizing/Conducting Games. There are only two types of licenses: a) Type 1 License for conducting Online Betting and b) Type 2 License for Conducting Other Online Games.

(2) “Suitability License” or “SL”: It is the act of approving the Suitability of a person, in accordance with the provisions of the Gaming Regulation on the Suitability of Persons.

(3) “Anti-Money Laundering Authority”: Anti-Money Laundering Authority is the Authority for Combating Money Laundering of Article 47, Law 4557/2018 (GG A’ 139), as in force.

(4) "Unusual transaction or activity": The transaction or activity of paragraph 15, Article 3, Law 4557/2018 (GG A' 139).

(5) “Conduct”: Conduct is the conduct of a game of case s, Article 25 of the Law. When the provisions of this Contract provide for the concept of Conduct, they also imply the concept of Organization and vice versa.

(6) “Organization”: Organization is the organization of a game, according to case r, Article 25 of the Law. When the provisions of this Contract provide for the concept of Organization, they also imply the concept of Conduct and vice versa.

(7) “HGC” or “Authority”: HGC is the Hellenic Gaming Commission.

(8) "Online Player Account (OPA)" or "Your Online Account": the account of case o, Article 25 of the Law.

(9) “Website”: The website through which the License Holder conducts Gaming via the Internet, belongs to the License Holder and is required to have a domain name ending in .gr.

(10) "Regulation" or "Gaming Regulation": the Gaming Regulation of Article 29 of the Law on the Organization and Conduct of Online Gaming.

(11) “Anti-Money Laundering Regulation” is the decision of the HGC issued by authorization of case f, par. 3 of Article 28, Law 4002/2011.

(12) “Suitability”: The confirmation by the HGC or the License Holder on the existence of the qualifications and conditions for the issuance of a SL and/or Suitability Card, in accordance with the provisions of the Gaming Regulations on the Suitability of Persons.

(13) “Manufacturer”: The person that manufactures (indicatively studies, designs, assembles, creates, programs the Technical Means and Materials) and in any way provides to the License Holder any Technical Means and Materials and has been registered in the relevant registry kept by the HGC.

(14) “License Holder” or “Holder”: The legal entity that provides Gaming Organization and Conduct and which has been granted an Online Gaming License, in accordance with the provisions of the Law and the Regulation. Each Holder may be granted both types of Licenses. In this Contract, the License Holder is Vistabet Limited.

(15) “Jackpot”: Any fixed or progressively increasing value or combination thereof awarded to Players, which is regulated by the Game Developer or the License Holder, at Game level or Game interface level or system level or any combination of the above.

(16) “Other Online Games”: According to case v, Article 25 of the Law, these are casino games, poker and its variants, offered online and conducted either live or with the use of a random number generator.

(17) Means of Payment is any Money Transfer, debit card, credit card, prepaid card, e-wallet, personalized device, cash and any other means used by the Player to deposit and disburse amounts when Gaming, according to the provisions in force. 

(18) “Money Transfer”: Any transaction made through electronic means, by a Payment Service Provider on behalf of a payer. The purpose is to make money available to a beneficiary through a Payment Service Provider, regardless of whether the Payer’s Payment Service Provider and this of the beneficiary is the same person, including: a) credit transfer b) direct debit c) remittance services according to the defined in Law 4537/2018 (GG Α’ 84), as well as d) the transfer made using a payment card, any type of electronic money or any other personalized device with similar characteristics and functionality, in accordance with the provisions in force.

(19) "Non-cooperating States": The countries and jurisdictions of par. 3, Article 65, Law 4172/2013 (GG A’ 167), as well as the countries of paragraph 3 of Appendix II of Law 4557/2018 (GG A’ 139).

(20) “Law”: The (Greek) Law 4002/2011 (GG A' 180), as in force.

(21) “Game Guide” or “Guide”: The information posted on the Website by the License Holder in the Greek language and includes, per Game or Group of Games, all the necessary details for the Participation of the Players, the terms and conditions of the Games, as well as the odds table/profit distribution, where it exists.

(22) “Certification Body”: The certification body that operates a specialized laboratory (Test Lab) and that has been recognized by the HGC in accordance with the Gaming Regulation on the Suitability of Persons or a certification body accredited in accordance with the applicable European and/or international standards, by the Hellenic Accreditation System S.A. (E.SY.D.) or by accreditation bodies of other countries, with whom E.SY.D. has signed a mutual acknowledgment agreement.

(23) “Terms”: The terms of this Standard Form Contract.

(24) "Player" or "You" or any other reference in second person, whether the first letter is capitalized or not: You, as a natural person, that constitute the counterparty of VISTABET.

(25) “Gaming Activity”: The set of data related to Your Participation in Gaming.

(26) "Certification": The approval for installation and commissioning of the Technical Means and Materials in terms of compliance with the Technical Specifications or the documentation of the equivalent of the technical and functional characteristics of a TMM with these specifications.

(27) “Personal Data Protection Notice”: The corporate notice of the License Holder in relation to the personal data and information collected, in particular as to how the data and information are collected, the purpose and legal basis of their processing, the manner of use, disclosure, storage and protection of data and information, data subjects' rights and technical and organizational security measures.

(28) “Actual Beneficiary”: The natural person on behalf of whom the transaction or activity is carried out, in accordance with the provisions of paragraph 17, Article 3 of Law 4557/2018 (GG Α’ 139).

(29) “Regulatory Framework”: The Gaming Regulation and all legislative and other regulatory provisions, the terms of the Licenses, which determine the conditions for the legal organization and conducting of Games in Greece, as well as the HGC’s Guidelines.

(30) “Standard Form Contract” or “Contract”: This Contract, between VISTABET and you, so you can legally participate in online gaming organized and conducted by VISTABET.

(31) “Participation”: The registration of a Player’s details/preferences in any Game and the validation thereof upon payment of a fee.

(32) “Affiliate”: The person who collaborates with the License Holder, for the promotion of specific Games, by placing links on their website, in order to attract more players to the website of the advertised License Holder for conducting online gaming, subject to the provisions of Article 35 of the Law, have received an SL by the HGC and are registered in the corresponding Registry.

(33) “Technical Means and Materials for Conducting Games”: The Certified, where necessary, means/material/machine, electronic/mechanic or electromechanical and electronic program (any type of software or computerized system), which is used, directly or indirectly, for the Organization and Conduct of Gaming Activities and which is related and/or affects and or determines and/or monitors and records the result of the Gaming Activities or generally the conduct of Gaming Activities.

(34) “Gaming” or “Games”: The Online Betting of case c, Article 25 of the Law and the Other Online Games of case k of Article 25 of the Law, which can be Organized and Conducted legally in the Greek territory by the License Holder through the website and that have received the Certifications required.

(35) “Responsible Gaming”: All principles and obligations of the License Holder and the provisions of the Gaming Regulation and Guidelines of the HGC, aiming to ensure that any activity in the gaming sector be exercised in accordance with the provisions in force, in a socially responsible manner, to minimize the negative impact on Players due to their Participation in Gaming.

(36) "Unusual transaction or activity": Any activity for which there are nuanced indications or suspicions of attempting to commit or committing the offenses of Article 2 of Law 4557/2018 (GG A’ 139) or involving the Player or the Actual Beneficiary in criminal activities, based on the evaluation of the Gaming Activity and Player, such as the nature of the Gaming Activity, the category of the Means of Payment, the frequency, complexity and amount of transaction, the use or not of cash, the profession, financial status, transactional behavior, reputation, past and other key data that may characterize the transaction.

(37) “VISTABET”: The Malta-based company under the name "Vistabet Limited" (Entain Unit 6, ST Building Centre, 120 The Strand, GZIRA), with a company registration number of the Malta Commercial Registry C56302".

2. PURPOSE AND OBJECT OF THE CONTRACT

2.1. This Contract is concluded between VISTABET and you in order for you to legally participate in online gaming by VISTABET. The object of the Contract is the writing of the rights and obligations of the contracting parties (i.e. VISTABET and you), in accordance with the Regulatory Framework.

2.2 You understand and agree that in this Contract you are a counterparty to VISTABET, the Malta-based company under the name "Vistabet Limited" and the distinctive title "VISTABET", registration number of the Malta Commercial Registry C56302, and with a gaming site, for the Greek territory, the following: www.vistabet.gr. VISTABET is the holder of the Licenses with details: (a) HGC-000016-LH for Type 1 License to Conduct Online Betting and (b) HGC-000017-LH for Type 2 License to Conduct Other Online Games. The above under "a" License allows VISTABET to conduct online betting and is valid from 04/06/2021 until 04/06/2028. The above under "b" License allows VISTABET to conduct Other Online Games, as defined by the Law (i.e. casino, poker and gambling games, provided online and conducted either live or using a random number generator and is valid from 04/06/2021 until 04/06/2028. These two (2) Licenses were granted by the HGC in accordance with the Law and the decision of the Minister of Finance 79835 EX 2020/24.7.2020 (GG B' 3265). This Contract has been approved by the HGC pursuant to the decision number 9596 of 02.08.2021 of the latter.

2.3 The purpose of this Contract is to regulate your Participation in the Games, in accordance with the applicable legal and regulatory framework for the organization and conduct of the Games. By accepting this Contract, you unreservedly agree to abide by its Terms, Personal Data Protection Notice and other VISTABET Gaming Participation policies.

2.4. The VISTABET’s Personal Data Protection Notice can be found at the following hyperlink (https://help.vistabet.gr/en/general-information/security/privacy-policy). The other corporate policies of VISTABET can be found in the following hyperlink (https://www.vistabet.gr/en/p/about-us/responsible-gaming). The website of the HGC is: www.gamingcommission.gov.gr

3. CONCLUSION OF CONTRACT - AMENDMENT OF CONTRACT

3.1 This Contract has been approved by the HGC. Any modification to this must be approved by the HGC, otherwise VISTABET will not post it on its websites.

3.2 This Contract and any amendment thereto are concluded once you accept its Terms. The acceptance of this Contract, as well as any amendment to it is made electronically, in an explicit manner which cannot be disputed.

3.3 In the event of an amendment to this Contract, VISTABET will notify you, upon your first login to your Online Account, following the posting of the amended Contract, with specific reference to any changes made.

3.4 The acceptance of the amended Contract is made through the acceptance of its terms by You, upon your first connection to your Online Account that follows the posting of the amended Contract.

3.5 In the event that you do not accept the amended Contract, then this is terminated and the terms related to the termination are closed and the transactions are cleared, subject to the provisions of the decision number 79835 EX 2020/24.7.2020 of the Ministry of Finance (GG B’ 3265), the Anti-Money Laundering Regulation and the relevant provisions.

4. CONDUCTED GAMES

4.1 The Games, conducted by VISTABET under the License of HGC Type 1 HGC-000014-LH, to Conduct Online Betting are the following: betting on sports, virtual sports and other events.

4.2 The Games conducted by VISTABET under the License of HGC Type 2 HGC-000015-LH to Conduct Other Online Games are the following: casino games, Live Casino and Poker Games and variations thereof.

4.3 To Conduct certain Games, VISTABET cooperates with Manufacturers registered in the relevant registry kept by the HGC.

4.4 You understand that the specific rules for conducting each individual Game or Game category/group conducted by VISTABET are included in the Gaming Guide, which you can read at the following link(https://help.vistabet.gr/en/casino-help/general). Elements, such as the environment for organizing and conducting betting events, the rules of the sports, the rules of Gaming, the categories of success, the chances of winning, the way of extracting the winning result, the minimum and maximum amount of participation, where applicable, the odds multipliers, the way of determining the betting odds, the commission (rake) that may be withheld by VISTABET for the Participation, the way of calculating the tax on the winnings for an individual game or Group of Games, the jackpot conditions, the way of displaying, etc. are information described in the Game Guide.

4.5 You understand that your Participation in the Games implies the unconditional acceptance of the current, as per above, Game Guide, which you can read at (https://help.vistabet.gr/en/casino-help/general), where you may find more information per Game or category/group of Games.

5. PARTICIPATION IN THE GAMES

5.1 Creation of Online Player Account

In order to be eligible to participate in the Online Gaming provided by VISTABET, you must be a natural person and accept the Terms of this Contract, while VISTABET must create an Online Player Account for You. A unique VISTABET Online Account is maintained for each Player and you participate in VISTABET Games exclusively with this Account. The creation of multiple Online Accounts by the same Player and the management of their Online Account by third parties, are prohibited.

To create an Online Player Account, you must complete the relevant registration form available on the VISTABET Website. Before completing the registration form, we recommend that you read carefully the Terms of this Contract, to be informed, among other things, about the following:

a. The data required to provide for the creation of an Online Player Account, in accordance with the provisions of the Anti-Money Laundering Regulation and VISTABET’s corporate policy, including the place, time and method of submission.

b. The fact that VISTABET must refer to the registry of excluded persons, kept by VISTABET itself and the HGC, in order to establish that the person requesting the creation of an Online Account is not registered in it and that the request for the creation of an Online Account is rejected if the person is registered in the registry of excluded persons.

c. The guarantee statements you are required to make in order to create an Online Player Account, such as in particular that:

aa. Have full legal capacity and there is no other obstacle for your participation in the Games.

bb. You are at least 21 years old.

cc. Your Participation in the Games is your free and independent personal choice and takes place without provocation or motivation by any third party.

dd. Have the obligation to use the Online Player Account exclusively on your behalf and not on behalf of a third party.

ee. Have the obligation to inform VISTABET, without undue delay, in case of change of any personal information provided at the time of registration and/or later.

ff. Have the necessary software and hardware for the use of the services and the receipt of updates and notifications from VISTABET.

d. That if you conclude this Contract, you realize, completely comprehend and accept that you will not be allowed:

aa. To create and/or use more than one Online Player Account.

bb. To use third party financial transactions, such as: bank account and/or debit and/or prepaid card etc.

cc. To make use of the services provided by VISTABET outside the Greek territory.

dd. To attempt Participations, while in a state of temporary abstention or exclusion.

ee. To attempt or Participate in fixed games or to follow unfair practices.

e. That if you conclude this Contract, you realize, completely comprehend and accept that:

aa. You, in order to log into your Online Account and operate it, is required to use a unique Username, in combination with a secret Password. The combination of these elements is unique for You, is used to identify you, is a presumption of use of the services provided by VISTABET and confirmation of acceptance of the terms of this Contract. Without prejudice to any additional identification-security measures when making electronic money transactions by the clearing payers or VISTABET’s software, demonstrates your willingness to make transactions in your name and confirms that your Participation in the Games is a product of your own will, without motivation or provocation by a third party.

bb. You must keep the information you use to log into your Online Account secure, use it secretly and change it periodically, and notify VISTABET without undue delay as soon as you notice any loss or misuse.

cc. You are obliged to modify the login details of your Online Account whenever this is required by VISTABET, based on the security policy.

dd. The process of verifying your identity is repeated by VISTABET, whenever there are doubts about the validity, accuracy and/or completeness of the information provided.

ee. VISTABET, in a consistent and systematic manner, implements due diligence measures in accordance with the provisions of Law 4557/2018 (as applicable), the Anti-Money Laundering Regulation and its corporate policy and may take any appropriate action, including the blocking of your Online Account, the refusal to provide services or payments or the issuance of a certificate of winnings, in case the terms of certification and verification of your identity are not satisfied, or if based on the data, risk analysis, policy and tools applied, ascertains or has serious indications or suspicions that they have been carried out or are being carried out or attempted or attempted to carried out Suspicious or Unusual transactions.

ff. VISTABET may refuse the provision of services or payments or the issuance of a certificate of winnings, if it is established that you are a national of a country designated by the European Commission as high risk for money laundering and terrorist financing or belongs to Non-Cooperative States, or if you are included in the respective lists of the Authority, of the competent police, administrative and judicial authorities, where these lists exist and are accessible by the Liable Entities, as well as in the relevant for restrictive measures registries of the HGC or following a prosecutorial order or order of the Authority.

gg. VISTABET uses special systems and tools to verify the details of the Players, which include the identification of the technical means and devices used for the Participation, as well as any other appropriate means, including the composition and evaluation of the patterns of the Gaming Activity.

hh. VISTABET may apply systems and procedures of "strong Player identification" (Two factor Authentication, Strong Customer Authentication- 2FA, SCA), with equivalent power and efficiency to the relevant provisions of Directive (EU) 2015/2366 and using two or more information about knowledge (an element that only the user knows) and possession (an element that only the user possesses) as well as some unique physical characteristic (an element that the user is), elements that are independent of that the breach of one does not jeopardize the credibility of the others.

ii. VISTABET provides to You, through your Online Account, full access to information about the Account balance, the history of the Gaming Activity, including the Participations, winnings and losses, the deposits and withdrawals, as well as the other transactions that have taken place during your Participation.

jj. The records and data concerning your details, Gaming Activity and the transactions carried out through your Account, are kept by VISTABET for ten (10) years, and are at the disposal of the HGC, as well as any other authority that acts within its competences, in compliance with the provisions on Personal Data Protection and based on the relevant terms of the Contract and the Personal Data Protection Notice of VISTABET.

kk. Transactions that exceed the respective monetary limits set by the Anti-Money Laundering Regulation, are carried out only if it is confirmed, before the transaction, that the payment account you declare really belongs to You.

ll. VISTABET shall take appropriate measures to manage and reduce operational and safety risks associated with the services it provides and, in this context, implement effective incident management procedures, including the identification and classification of major incidents related to its operation and safety.

mm. VISTABET is not responsible for any damage that may be caused due to an act or omission on your part, which will lead to improper or incorrect use of your Online Account.

nn. The data and information provided to the Players through the Player's Online Account and the Website, such as indicatively Participations, sporting events, match schedules, odds, results, account balance, game behavior information, etc., are provided only for the personal use of the Players and the distribution or commercial exploitation of such information is strictly prohibited.

oo. The information and data provided by VISTABET do not constitute advice or recommendations to encourage or motivate any person to Participate in the Games conducted.

pp. You are prohibited from using the services for any purpose other than the Participation.

qq. In order to make your visit to the Website friendly, VISTABET monitors the traffic with cookies received through your browser or VISTABET’s software (client software). In any case, you may refuse the placement and/or the continuous transmission of information contained in cookies, except those that at the reasonable discretion of VISTABET are required for the legal, correct and easy provision and use of its services.

5.2 Status of Online Player Account

This section of the Contract includes the terms of the Contract that describe the status in which the Online Player Account may fall, the reasons why the Online Account may be placed in this status and the effects that the situation has on the operation of the Account in which it has fallen. The Online Player Account may fall under the following statuses:

5.2.1 Temporary Online Account

You understand the following:

a. Upon its creation, your Online Account is put in a "Temporary" status, until the required data are submitted and verified, in accordance with the provisions of the Anti-Money Laundering Regulation and through which it must be verified that:

aa. The details of the person for whom the Online Account was created, correspond to a real person.

bb. The person for whom the Online Account was created is the same as the one who requested his registration.

cc. The person for whom the Online Account was created is actually the person whose details have been submitted, according to requirement aa'.

b. For as long as the Online Account is Temporary, You:

aa. Cannot deposit amounts that exceed, cumulatively, the limit applicable in this case provided for in the Anti-Money Laundering Regulation.

bb. Cannot withdraw funds, in accordance with the provisions of the Anti-Money Laundering Regulation.

c. If your Online Account is not finalized within the deadline stipulated in the Anti-Money Laundering Regulation, VISTABET will Block it, shall stop accepting transactions with you, setting a deadline of (30 days) from the Block, in order for you to take the necessary steps and provide the necessary information for the certification and verification of your identity. Once you provide the requested information, VISTABET will activate your Online Account. If the above deadline elapses without action or if the information provided by you is still insufficient, VISTABET will close your Online Account by settling its transactions with you in accordance with the Anti-Money Laundering Regulation.

5.2.2 Inactive Online Account

You understand that according to the decision 79835 EX 2020 / 24.7.2020 of the Minister of Finance (GG B' 3265), in case of permanent absence of Your Participation for a period of twelve (12) months, your Online Account will be placed in a state of "Inactive”. At least thirty (30) days before the Account becomes Inactive, you shall be informed that your Account will be entered in this status, as well as for the following:

a. That for as long as the Account has been set to "Inactive":

aa. You will not be allowed to Participate in the Games.

bb. VISTABET may impose maintenance fees on the Account, which will amount to five (5) Euro per month.

cc. You will continue to be able to manage your account and all the data and information contained or relating to you, as well as to access the services provided by VISTABET excluding Participations.

b. That if a period of twelve (12) months has elapsed from the moment your Account became “Inactive”, during which the Account was not activated or, although activated, there were no Participations, VISTABET will close the Account and terminate the contractual relationship with You.

c. That if you make at least one Participation during the period until the completion of the twelve (12) months, the status of Your Account will be removed from the "Inactive" status.

d. That after your Account becomes "Inactive", you have the following options:

aa. Request the closure of the Account and the termination of the contractual relationship by withdrawing any credit balance of your Account, after withholding any retention fees that have been imposed.

bb. Request the activation of your Account and the restoration of the possibility to conduct Participation. You understand that in this case, VISTABET is obliged, based on the data kept, the risk analysis, the policy that applies and the tools it has, to make an assessment of whether the restoration of your Account to the previous condition presupposes the repetition of the process of verifying your identity in accordance with the provisions of the Anti-Money Laundering Regulation.

5.2.3 Blocked Online Account

You understand that VISTABET may Block your Online Account:

a. In case of your temporary abstention or temporary exclusion from the Games.

b. Following a prosecutor's order.

c. At the discretion of the HGC, if, from the data available to the Authority, there is a need to Block your Account to ensure the integrity of the Games and the observance of public order.

d. In VISTABET’s reasoned judgement, if, on the basis of the evidence, risk analysis, corporate policy and tools it implements, it identifies or has serious indications or suspicions that suspicious or unusual transactions are being or have been carried out or attempted to be carried out to violate the integrity of the Games. In this case, VISTABET must take the necessary actions in accordance with Law 4557/2018 (GG A' 139) and Anti-Money Laundering Regulation.

e. if you breach the terms of this Contract.

In any case, Blocking an Account is an extremely restrictive measure and should be imposed by VISTABET sparingly and for reasons that adequately justify the need to resort to this measure and not in a veiled or abusive manner.

Moreover, VISTABET would like to inform you that: 

a. Your Participation in the Games and the deposit of amounts (deposit) in a Blocked Online Account is not allowed

b. There are no fees on Blocked Online Accounts.

c. The Block is lifted when the reasons for its imposition cease to exist.

d. If the "Block" has not been lifted within twenty four (24) months from the date it was applied, VISTABET will close the Online Account and terminate the contractual relationship with You.

e. In the event that during the imposition of a "Block" of a permanent nature on the Online Account and there are Participations that have not yet been settled, then their settlement will take place as follows: cancellation of unsettled participation and refund to the player’s Online Account of any remaining balance from the deposits.

f. In the event that you submit a withdrawal request during the imposition of the "Block", then the request will be treated as follows: VISTABET will pay you any remaining balance from your deposits. All participations not settled at the time of Blocking will be cancelled.

VISTABET decides to Block the Account based on objective, valid data and methodology and with sufficient justification. In any case, it shall block the Account if it receives an order to freeze it or special instructions from the HGC and/or the legally competent bodies and authorities. 

Particular attention shall be paid by VISTABET when Blocking your Account, assuming its use not by you, but by third parties (account takeover), based on device or IP address detection tools, definition tools and evaluation of patterns of the gaming activity, submission of questions to the Player for identification of personal use of his Online Account, etc. or a combination of the above. 

Any Participations using different access devices from different IP addresses do not prove that the Account has been used by a third party, but a clear indication can be evidenced especially when it appears that different devices are used within the same or short period of time from different geographical areas. To this end, VISTABET can determine whether or not the Account is being used by you by applying additional player authentication methods (e.g. Two Factor Authentication, Strong Customer Authentication - 2FA, SCA, etc.). Moreover, VISTABET may ask you to declare the devices you are using for your Participation in the Games and inform you that it will not accept transactions through devices that have not been declared.

Similarly, the differentiation of the patterns of the Gaming Activity is not a sufficient proof or a sufficient indication that your Online Account is being used by a third party. VISTABET must evaluate the degree of differentiation of a pattern, in combination with the individual elements and the particularities of each case, in order to be able to validly claim that your Account is being used or has been used by a third party. For example, the mere fact that a Player has decided to significantly increase the amount of his Participation without, however, this increase can be characterized as unusual in the common experience, or to choose a different type of Bet (e.g. "accumulator bet” instead of “single bet "or vice versa) and/or organization and/or sport and/or game, etc., do not sufficiently justify the imposition of a "Block", without at the same time VISTABET substantiating with the required accuracy, adequacy, completeness and justification, its claim that your Account is being used or has been used by a third party.

5.2.4 Closed Online Account

VISTABET will close your Account and put it in a "Closed" state, according to the decision of the Minister of Finance number 79835 EX 2020 / 24.7.2020 (GG B' 3265) in the following cases:

a. Immediately upon submitting your request to close your Account.

b. Thirty (30) days after the expiration of the deadline for the completion of the certification and verification process of your identity, if the information provided by you has not been confirmed, in accordance with the provisions of the Anti-Money Laundering Regulation.

c. Immediately upon submission of your request for an indefinite period of exclusion from the Games.

d. If it has been found or if there are valid, reasoned and strong indications that part or all of the information provided by you for the creation of your Online Account is untrue or inaccurate.

e. If twelve (12) months have passed since your Account became Inactive.

f. If twenty-four (24) months have passed since the Account was “Blocked”.

g. If you breach this Contract or if VISTABET becomes aware of any suspected fraud, collusion or unlawful and improper activity. VISTABET shall not close your Account, citing vague or unclear reasons and makes the relevant decisions justified on the basis of data that objectively substantiates his decision to close your Account.

You understand that:

a. It is not allowed to re-create your Online Account before twelve (12) months have elapsed from its closing and that from this prohibition the case (b)above is excluded, provided that the above case (d) does not apply.

b. The closure of your Online Player Account terminates the contractual relationship between you and VISTABET and all the details of your transactions and Participations made using your Account, as well as any other item or data held by VISTABET on the occasion and in execution of obligations of the parties in the context of the contractual relationship, are observed by it in the form, manner and for the time provided in the decision number 79835 EX 2020/24.7.2020 of the Ministry of Finance (GG B’ 3265) and the existing provisions.

c. If there is a credit balance in your Online Account that is being closed in accordance with the provisions of decision number 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265), VISTABET shall pay this balance to your declared account as soon as possible and in any case, within three (3) working days after the closure of the Online Account, in compliance with the provisions of the Anti-Money Laundering Regulation.

d. In the event that at the closing of your Online Player Account your Account is in a "Temporary" status, no winnings will be paid to you and VISTABET shall clear the credit balance of your Account, subject to the provisions of the Anti-Money Laundering Regulation.

e. In the event that when closing your Online Player Account, VISTABET knows or has serious indications or suspicions that the money in the Account, regardless of amount, constitute or are related to products of criminal activities or linked to the financing of terrorism, it shall apply the relevant provisions of the Law 4557/2018 (GG A' 139) and Anti-Money Laundering Regulation.

f. In the event your Online Player Account is closed for a breach of this Contract we may withhold winnings.

5.3 Limits and restrictions of Gaming Behavior

This section of this Contract describes the Limits set in the Gaming Activity. The Limits are set either in the context of the compliance with the provisions of the decision of the Minister of Finance with number 79835 EX 2020/24.7.2020 (GG B' 3265) and the Instructions of the HGC or due to a special provision set out in more specific Terms of this Contract. Below are the following types of Limits:

5.3.1 Limits set by the Player (You):

The limits set by You, in accordance with the provisions of the decision of the Minister of Finance with number 79835 EX 2020/24.7.2020 (GG B' 3265) and this Contract, are the following:

a. monetary limit, in terms of the maximum deposit amount (deposit limit)

b. monetary limit, in terms of the maximum amount of loss (loss limit), and

c. time limit, in terms of the maximum participation time (time limit) in Other Online Games and in virtual events Betting, the result of which is extracted by the use of a random number generator.

You comprehend the following regarding the functionality and expediency of setting the above limits:

a. That you are obliged to set the above limits, according to the number 79835 EX 2020/24.7.2020 decision of the Minister of Finance (GG B' 3265) and the Principles of Responsible Gaming.

b. That you have to set the limits, guided by a prudent playing behavior commensurate with your abilities and being aware of the dangers that your involvement with the Games entails.

c. That you can modify the above limits, after the period for which they were set has elapsed, with the exception of the modification of existing limits to be stricter, which applies immediately.

d. That you will be notified with an information message from VISTABET as soon as you exceed 80% of the relevant limit, according to the provisions of the decision of the Minister of Finance number 79835 EX 2020/24.7.2020 (GG B' 3265).

e. That in the event of termination of Your Participation due to the completion of Your maximum time limit, You may not Participate in the Games for the period remaining until the expiry time of the limit.

f. That in the event that with your forthcoming Participation, you will exceed the limit of the maximum amount of loss (loss limit), you are allowed to continue your Participation provided that, with the placement in which you will proceed, you will not exceed the maximum loss limit set.

g. That the above time limit of your maximum participation time is set at day level from 00:00:00 to 23:59:59 of the same calendar day, or week, from Sunday to Saturday, or month, from the first to the last day of the month.

h. That your Participation time counts as that of the active Participation in Other Online Games, including the virtual events, the result of which is derived using a random number generator. The time spent on the Website and/or connection to the Special software (client software) of VISTABET without active participation in the Games (e.g. placing bets, "betting", etc.) is not counted towards the maximum participation time limit.

You, already by registering and accepting this Contract, are obliged, before you even Participate in the Games, to set for each limit a specific value of your choice. The “no limit” preference is not allowed to be granted. VISTABET ensures that you can enter the desired value for each limit. In the event that default values are used, the scale of these values is structured in such a way for you to have as many options as possible and to make sure that the system for setting Limits is usable and functional. In the event that you wish to set a value not included in the options, VISTABET shall inform You of the value that is available and is closest to the desired one. If a rounding of values is required, it is performed to the nearest integer, according to the condition i≤0.4, i≥0.5, where (i) the digits of the units, tens, hundreds or thousands for which rounding is required.

With regard to the modification of a limit, it takes place after the period for which the specific limit has been set, unless it is a modification to the stricter one, which applies immediately. Thus, you understand, for example, that if you set a limit on a monthly basis and then modify it, the modification will take effect on the 1st day of the month following the one in which you modified that limit, unless it is a modification to a stricter value, whereupon it applies immediately. Similarly, if you set a limit on a daily or weekly basis and then modify it, the modification will apply, respectively, from the next day on which you have modified that limit or from the 1st day of the week following that which you have modified it, unless it is a modification to a stricter value, in which case it applies immediately. 

5.3.2 Limits defined by the decision of the Minister of Finance number 79835 EX 2020/24.7.2020 (GG B’ 3265).

The limits set by the decision of the Minister of Finance number 79835 EX 2020/24.7.2020 (GG B’ 3265) are the following:

a. The limit of twenty-four (24) hours of the maximum duration of the Gaming Session.

You understand that this specific time limit operates, is calculated and applied independently of the time limit of the maximum participation time limit and that these two limits should not be confused with each other. For the calculation of the limit of twenty-four (24) hours maximum duration of the Gaming Session, the time is counted from the moment you enter the Website or VISTABET’s game software using the registration data (log in) and the time is calculated regardless of whether you Participate in the Games or simply browse the Website or remain connected to the game software (client software).

b. The limit of twenty (20) Euros of the maximum amount of Participation in Other Online Games, the result of which is derived by a random number generator (RNG).

You understand that this limit is applied per Game Cycle and its calculation is based on the minimum unit of participation ("bet", "denomination").

c. The limit of one hundred and forty thousand (70,000140,000) Euros, as the maximum amount of money won from Participation in the Other Online Games, the result of which is derived by a random number generator.

You understand that this limit applies per Game Cycle and for its calculation all the additional Game Rewards that may be provided are accumulated towards it (e.g. Bonus rounds), excluding any Jackpot awarded.

d. The limit of five hundred thousand (500,000) Euro is the maximum amount of reward that can be awarded by a Jackpot.

You understand that this limit does not apply to prizes in Poker Games and/or variations of those held in the form of poker tournaments.

e. The limit of the maximum amount of winnings per Bet, may not exceed five hundred thousand (500,000) Euro.

5.3.3 Limits and restrictions set by VISTABET.

VISTABET may set individual limits for the amount of Participation and the maximum amount of winnings per Bet or other Game up to the amount provided each time in the decision number 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265). The types or categories of these limits are specified in the Games Guide (which you may find here (https://help.vistabet.gr/en/casino-help/general)), and may relate to one or more of the following:

a. Participation amount limit.

b. Maximum win limit per Bet.

We hereby declare that the Gaming Guide sets the individual limits of the maximum amount of winnings per Betting event, sport and/or event up to ten thousand (10,000) Euro. The maximum winning amount per Bet applies to all Players. You understand that in the case of Participation in multiple choice Betting events for which there are different individual limits, at sport and/or event level, the above limit is equal to the sum of the maximum individual limits set by the License Holder at sport and/or event level.

c. You understand that VISTABET has the right to unilaterally restrict your Gaming Activity (Participations, return of winnings) and/or the transactions (withdrawals), if it is deemed that there is a risk of illegal acts, based on factors, such as the amount of financial risk, the type of game, the frequency of Participations, the frequency and amounts of withdrawals from your Account, the amount of the expected return, the characteristics and qualities of you as a person (such as profession, financial status, gaming behavior, reputation, past, facts and information on the basis of which your influence or that of your relatives or persons closely related to you can affect the outcome of already offered purchases, your relationship with other Licensees), the strong possibility of creating collusion between Players, information and data to validly challenge the integrity of an offered market etc.

d. You understand that VISTABET has the right to limit the Gaming Activity (Participations, winnings) and/or transactions (withdrawals) during the implementation of the reward/loyalty programs, according to the rules of these programs and provided that the Player participating in these programs has full knowledge of the rules and has consented in advance to their implementation.

e. You understand that VISTABET has the right (and obligation) to limit your Gaming Activity (Participations, winnings) and/or the transactions (deposits/withdrawals), in the context of the application of the Principles of Responsible Gaming, if the information available shows you display a problematic gaming behavior.

5.4 Rewards – Loyalty Programs

You understand that:

a. VISTABET may reward Players by implementing reward/loyalty programs, the terms and conditions of which are formulated and promoted, in compliance with the provisions of decision number 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265).

b. The terms and conditions of each program are applied in the same way to all Players who meet the applicable conditions for inclusion in the program or any of its individual parts.

c. VISTABET may at any time, at its sole discretion, remove or modify any program for any reason. Subject to paragraph d below, will not alter or revoke, by subsequent rules, a reward already granted.

d. VISTABET may modify or revoke the reward already awarded if it is proven that you received this reward inadvertently or fraudulently knowing that you do not qualify or that the reward is likely to have been awarded on a transaction basis and/or practices carried out in violation of the law, users and transactional ethics, the decision 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265) and the Regulation on Anti-Money Laundering.

5.5 Jackpot

You understand that:

a. Jackpot is any fixed or progressively increasing value or combination thereof awarded to Players, which is regulated by the Game Manufacturer or VISTABET, at Game level or Game interface level or system level or any combination of the above.

b. It is not allowed for two or more Licensees to have a joint Jackpot.

c. The maximum reward limit that can be given by a Jackpot may not exceed the amount of five hundred thousand (500,000) Euro and any excess of the above amount, which has been collected based on the Participation of the Players, must be transferred to another Jackpot.

d. In any case of reduction of the amount accumulated based on the Participation of the Players or the termination of the Jackpot, the amount of the reduction or the amount accumulated based on the Participation of the Players at the time of the termination, must be transferred to another Jackpot within three (3) months from the date of the reduction or termination.

e. A winning Player shall be informed of the prize of a Progressive Jackpot continuously until the end of the ongoing Game.

f. Information on the award of a Progressive Jackpot shall be provided to all Players participating in it at the time of the win in a manner comprehensible to you and regardless of the means you are using to access your Online Account.

g. Information on the amount of the Progressive Jackpot, as determined after the prize is awarded, shall be provided to all Players participating in the Jackpot at that time, regardless of the means used by each Player to access their Online Account.

h. In cases where a Progressive Jackpot is to be terminated (e.g. malfunction, loss of connectivity, unexpected termination), Players shall be given a clear indication that it is not working due to an imminent termination and cannot be won.

i. Reactivating a Progressive Jackpot from interruption shall be performed with exactly the same parameters as it was before it stopped.

j. If the Progressive Jackpot works in conjunction with another Game (e.g. base game) and the Return to Player requirement is met only when Progressive Jackpot contributions are included, the other Game is only available when the Progressive Jackpot is available.

k. With the Gaming Guide, you may be informed about Jackpot features and the Progressive Jackpot, at least with regards to:

aa. The maximum prizes and/or time limits that may exist for Progressive Jackpot Features.

bb. The way in which the Progressive Jackpot is financed and determined.

cc. Whether there is a minimum entry fee for a Player to win a Progressive Jackpot.

dd. The rules that apply to simultaneous wins and payouts, in the event that multiple wins of a Progressive Jackpot occur at approximately the same time and there is no way to know which Jackpot happened first.

5.6 Responsible Gaming

You understand that VISTABET applies the Principles of Responsible Gaming, based on a consistent and coherent strategy that has been developed to minimize the negative effects on Players from their Participation in the Games. In this context, you understand that VISTABET:

a. Ensures that the organization and conduct of the Games is reliable and safe, in accordance with the rules of public order, public interest and the applicable regulatory framework, as well as that, when conducting the Games, persons under the age of 21 are excluded, vulnerable social groups are protected and do not endanger public health, safety, legality and transparency of transactions.

b. Monitors and is constantly informed about the developments regarding the Principles of Responsible Gaming and the problematic gaming and utilizes the findings of modern research in this field.

c. Provides its Websites a dedicated section with information about Responsible Gaming (which you may find here:https://www.vistabet.gr/en/p/responsible-gaming), where you can find, among other things, information about the age from which someone is allowed to Participate in Gaming, how the Participation decisions should be made, what the Principles of Responsible Gaming are, what constitutes problem gambling behavior, what the harmful consequences are and the risks of overexposure to Gambling, the hotline for the provision of support consulting services, etc.

d. Develops a special methodology and tools for the evaluation of the Gaming Activity for each Player who Participates in the Games it conducts, in order to identify and classify the risk of a Player’s normal Gaming Activity evolving into problematic gaming behavior.

e. Discreetly and confidentiality encourages Players to Participate in the Games according to their financial capabilities.

f. Discreetly and confidentially urges Players who show signs of problem gaming behavior to take regular breaks from the Game (cooling-off) or to temporarily abstain from Playing for twenty-four (24) hours, in accordance with the decision 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265).

g. Urges with discretion and confidentiality the Players who show problematic gaming behavior to proceed with their temporary or indefinite exclusion, in accordance with the provisions of decision 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265).

h. Provides Players and any interested party with self-assessment tools (test), regarding their attitude towards Gaming (which you may find here:(https://www.vistabet.gr/en/p/responsible-gaming/self-assessment))and urges them to evaluate this attitude, at the same time informing that:

aa. The test is anonymous and accessible to everyone and can be done by anyone without the need to register (sign up) or login to the Website.

bb. Anyone interested can take the test at any time and as many times as they wish.

cc. The test is performed in a fully automated manner and the processing of the answers given to the interested party is absolutely necessary for the production of the results, which are available exclusively to the person conducting the self-assessment and are not collected, stored, made available or otherwise processed in the Holder's IT systems.

dd. Allows the interested party concerned once to store the test results locally on their device, indicating the date and time it was generated.

ee. In the event that, for any reason, the test is not completed, the interested party should repeat the process from the start.

i. Advises with discretion and confidentiality the Players who have problematic gaming behavior, to seek help by contacting special structures and counselling and/or rehabilitation centres.

j. Blocks the Player and closes the Online Account, based on a court decision or request of their legal guardian.

k. Has the right, in its reasoned judgment, to temporarily or indefinitely exclude the Player, if from the data of the Gaming Activity, the information it has and the relevant policy implemented, it becomes evident that the Player has problematic gaming behavior and, despite its repeated urgings, the Player has not disqualified themself.

Under the terms of this Contract, you consent to the evaluation of your Playing Activity in order to apply the Principles of Responsible Gaming, and you are informed and understand that the relevant obligations of VISTABET are imposed by the applicable provisions in force and aim to protect both you and of society at large.

5.7 Exclusion of Players

With this Contract, VISTABET informs you that you may, at your request, temporarily abstain or be temporarily or indefinitely excluded from Participating in the Games, and that:

a. The application is submitted through your Online Player Account.

b. By submitting a request for temporary abstention (cool-off), VISTABET will suspend your Online Player Account and keeps it ion that state for twenty-four (24) hours.

c. By submitting a request for temporary exclusion, VISTABET will suspend your Online Account for at least a month.

d. By submitting a request for exclusion of an indefinite duration, VISTABET sets your Online Player Account to a “Closed” status and terminates the contractual relationship. VISTABET informs you that the settlement is carried out in accordance with the provisions of paragraph 5.2.4. The re-creation of an Online Player Account can be carried out at your request and in accordance with the provisions of decision 79835 EX 2020/24.7.2020 of the Ministry of Finance (GG B’ 3265) and the Anti-Money Laundering Regulation, provided that at least one (1) year has elapsed from the start of the block and a new Contract is concluded.

e. In case of temporary or permanent exclusion, you, by accepting the terms of the Contract, provide your explicit consent for your registration in the register of excluded persons kept by VISTABET, as well as in the register of excluded persons kept by the HGC.

f. Your registration in the registry of excluded players kept by the HGC entails your exclusion from the Participation in the Games of all License Holders. Your temporary or permanent exclusion will take place at all companies of the Entain Group, namely www.sportingbet.gr & www.bwin.gr websites.

g. Deposits in your Online Player Account are not allowed before VISTABET has cross-checked the details of the person to whom the Account corresponds, with the details kept in the Excluded Persons Registry kept by the HGC.

h. VISTABET or its Affiliates do not send any commercial communication material to Players in a state of temporary abstention, temporary or indefinite exclusion.

i. VISTABET has the right, in its reasoned judgement, to temporarily or indefinitely exclude you, if from the data of the Gaming Activity, the information available and the relevant Responsible Gaming policy that applies, it becomes evident that you display problematic gaming behavior and, despite its repeated urgings, you are not excluding yourself.

j. VISTABET urges and encourages you to seek help and support from a rehabilitation center operating in Greece.

5.8 Money transfer

You understand and accept that:

a. Payments of Participation amounts and the redemption of winnings arising from the Participation must be made to and from VISTABET, without the intermediary of a third party, except for Payment Service Providers established and operating legally in Greece or in another Member State of the European Union or the European Economic Area.

b. Deposits made in the Online Player Account are interest free.

c. The transfer of funds between Online Accounts is prohibited.

d. With the deposit of an amount by you in the Online Account, your full knowledge and explicit acceptance that this is done for the sole purpose of your Participation in the Games is presumed.

e. VISTABET reserves the right to withhold funds from your Online Account corresponding to any charges and/or commissions, fees charged and general costs incurred, provided that these have been made known in advance to you and do not conflict with the decision 79835 EX 2020/24.7.2020 of the Minister of Finance (GG B’ 3265) and the applicable provisions.

f. VISTABET must, upon your request, send a report of the status of your Online Account to your registered email or postal address, within one (1) month and is obliged to include in this report all the Participations and financial transactions carried out during the reporting period, as well as sufficient information so that you can compare the requested data with the corresponding data that you may keep.

g. Online Accounts that are "Inactive" and still have a credit balance are protected by technical and organizational security measures from illegal access to them or the illegal withdrawal of funds.

h. In the event that winnings that you are not entitled to are incorrectly credited to your Online Account, these amounts belong to VISTABET and are deducted from your Online Account, after correcting the incorrect credit and providing you with detailed information, without the need for your cooperation. In the event that the balance of your Online Account is not sufficient to deduct the amount of money that was incorrectly credited, you keep owing the difference to VISTABET and the latter has the right to withhold, without notifying you, any amount credited to your Online Account and up to the amount of the difference.

i. You may request the withdrawal of any credit balance of your Account, subject to the provision of all the necessary information that may be requested by VISTABET in order for the relevant procedures to be carried out in accordance with the provisions of the Anti-Money Laundering Regulation and the relevant provisions.

j. VISTABET is responsible for ensuring the legality and validity of the transactions, to the extent that it is responsible and for this purpose, it must take every possible measure based on common knowledge, experience and perception, technological and/or functional, organizational, operational to control both deposits and withdrawals, even after their completion.

k. VISTABET has the right to refuse and cancel the transaction, even after its completion, if it become aware of any evidence that reasonably justifies the questioning of its legality and validity, regardless of whether such information has been collected by it or falls into its knowledge from a person with whom it legally cooperates for the organization and conduct of the Games or by another, legally competent body or authority.

l. By accepting the Contract and the Terms of the Privacy Policy, You expressly consent to the processing by VISTABET of the data relating to your bank account number, in order to process the Financial Transactions between You and VISTABET, as well as any verification of Your identity, which You provide in the context of serving the purpose of the Contract.

m. VISTABET sets the specific time equal to twenty-four (24) hours from the submission of the Player's withdrawal request, in which it undertakes to issue a relevant payment order, in compliance with the Anti-Money Laundering Regulation and the provisions in force.

n. VISTABET has the right to provide you with the possibility of early redemption (cashout) of the Bet purchase already made, defining, at its discretion, the value of the early cashout, which is offered to you each time.

o. Early redemption (cashout) of a Bet purchase, takes place only if you accept the early cashout through your Online Account, this acceptance cannot be revoked and constitutes your complete and unconditional waiver of the initial return of the early redeemed bet, regardless of the subsequent outcome of the Betting event.

p. Where Other Online Games or tournaments are only available in a currency other than Euro, you may in some cases be given the option to buy in to the same in the currency of the relevant game/tournament. Such buy-in (together with any winnings) will be subject to the exchange rates offered by us at the relevant time. Please contact us for more information via https://www.vistabet.gr/en/mobileportal/contact.

q. VISTABET informs you that, if it finds that you have attempted or are attempting to make transactions or have made transactions through payment accounts to which you are not a beneficiary, it will cancel the transactions, prohibit any transactions and Participations with the use of these accounts, the capital deposited shall be refunded to the beneficiary of the payment account and no winnings will be paid.

5.9 Player winnings taxation

You understand that any winnings arising from your participation in the Games taxed, where appropriate, under the circumstances of Law 2691/2001 (GG A' 266) "Ratification of the Tax Code Provisions of inheritance, gifts, dowry and Parental Benefits and gaming winnings", as the case may be. You understand that VISTABET is obliged to withhold the tax corresponding to your winnings and pay it to the Greek State.

5.10 Certification of profits

You understand and accept that:

a. You have the right to receive, upon request, a certificate for the total winnings paid in the year preceding your request, under the conditions and procedure provided in the Anti-Money Laundering Regulation and VISTABET’s .

b. The certificate is issued only if your complete details are certified and verified in accordance with the Anti-Money Laundering Regulation and the applicable provisions.

c. VISTABET has the right to refuse to issue a certification of winnings, in accordance with Law 4557/2018 (GG A' 139) and Anti-Money Laundering Regulation.

The above applies proportionally to the issuance of a certificate of winnings in the case of creating an Online Roaming Account in accordance with the Anti-Money Laundering Regulation.

5.11 Cancellation of Events, Participations and transactions

You understand and agree that VISTABET has a policy of canceling Events and/or Participations and/or Transactions and, in this context, either precautionarily or repressively:

a. Examines and evaluates any element or information that comes to its knowledge and affects the integrity of the organization and conduct of an event.

b. Has the obligation to cancel the offer of events and/or to suspend the settlement of Participations and/or Transactions related to a cancelled offer:

aa. When it has sufficient evidence to contest the integrity of an offered market and/or when it has sufficient evidence that, on the occasion of the offer of that event, Suspicious or Unusual Transactions were carried out or are being attempted in accordance with the Anti-Money Laundering Regulation or applicable provisions and/or when it has sufficient information to create collusion between Players or sufficient evidence from which it appears that the integrity of the Games is at stake.

bb. When it has sufficient information that the organization and/or conduct of the offered events took place in violation of the applicable provisions or the rules of conduct of the Game provided in the Game Guide.

cc. By order of legally competent authorities.

c. It may cancel the offer of events and/or suspend the settlement of Participations and Transactions related to a canceled offer, if it proves that a human or technical error has occurred in the offer of the event or in the acceptance of the Participations and related transactions (e.g. error of indication of the offered odds, error in time of acceptance of the Participation, error of debiting or crediting of the Online Account, etc.).

d. Implements the cancellation policy by treating same or similar cases by taking the same or equivalent measures, against all Players who appear to fall within the scope of this policy.

e. Takes all necessary diligence and measures, so that the policy of cancellation of the offer of purchases and/or suspension of the settlement of the Participations and Transactions related to the canceled offer, is implemented in a timely manner and in case within a reasonable time from the occurrence of the facts and the knowledge of the reasons justifying the the relevant decisions.

f. It has the right to provide in the Game Guide special cases of cancellation of Participations due to violation of the rules of a Game or Group of Games, as well as to apply rules and procedures for redistribution of odds and winnings, when an imposed cancellation affects the odds of other Players who are not responsible for the acts justifying the relevant decisions.

6. PERSONAL DATA PROTECTION

VISTABET informs any interested party that a Personal Data Protection Notice is implemented, in accordance with the General Regulation for the Protection of Personal Data [Regulation (EU) 2016/679] and Law 4624/2019 (GG A’ 137), posted on the Website https://help.vistabet.gr/en/general-information/security/privacy-policy.

The processing of personal data is carried out in accordance with the Personal Data Protection Notice and includes, but is not limited to, the purposes of the processing, the categories of data to be processed, the information that VISTABET is required, where applicable, to provide to the data subject, the identity and the details of the controller or his representative, the time of data storage, the rights of the subjects, the technical and organizational security measures and any other necessary arrangements, information and procedure, which the interested party is required to know. The contact details of the data protection officer and the competent supervisory authority of personal data are posted on the Website https://help.vistabet.gr/en/general-information/security/privacy-policy.

We hereby inform you that:

a. In the context of the organization and conduct of the Games, the legal basis for the processing of your personal data is the conclusion and execution of the Contract. Your data may be subject to automated processing, including profiling.

b. By accepting the Personal Data Protection Notice, you are being informed and accept their processing in accordance with the terms therein https://help.vistabet.gr/en/general-information/security/privacy-policy.

c. VISTABET must comply with the General Regulation for the Protection of Personal Data [Regulation (EU) 2016/679] and Law 4624/2019 (GG A’ 137), to take the appropriate precautionary technical and organizational measures to prevent unlawful data processing and identification of Players by technical or other means that can reasonably be used by third parties and to ensure that the company itself, any processors, as well as those who are employed, project or mandate a relationship with it, do not disclose the identity of the persons they know to be participating in the Games or have made any profit or lost any amount of money from the Participation and do not disclose, for any reason, their personal data and information without the prior written consent of the data subject, unless such consent is required when the data are made available within the framework of obligations of VISTABET and those who have an employment, project or mandate relationship with it, are legally subject.

d. When consent is required, you as the data subject have the right to revoke it at any time, however the revocation of the consent does not affect the legality of the processing based on the consent before its revocation.

e. You, as the data subject, are informed of any modification or extension of the purposes of the processing and the categories of data to be processed in order to consent again, otherwise this Contract is automatically terminated.

f. You, as the data subject, are obliged to immediately inform VISTABET, in case the data registered during your registration on the Website, have changed, either by updating the details of your Online Account, or by contacting VISTABET, subject to the provisions of the Anti-Money Laundering Regulation.

g. The HGC, as well as any other competent public body or authority, have access to and are allowed to process the data, when such processing is necessary for the performance of a task performed in the public interest or in the exercise of the public authority assigned to them.

h. You hereby acknowledge and agree that you have been informed of VISTABET’s Privacy Policy, otherwise this Contract may not be entered into.

7. LIMITATION OF LIABILITY

VISTABET shall not be liable to you and / or third parties for problems, , which are not the result of gross negligence or fraud on the part of VISTABET, its employees or its agents, for loss of profits caused by the interruption and / or cancellation of Events, for errors in data entry, storage and / or processing of registered data, for incomplete and inaccurately transmitted data, not subject to gross negligence or willful misconduct on the part of VISTABET, its employees or its agents.

8. CUSTOMER SERVICE

You understand that VISTABET has set up and operates a dedicated customer service unit, which operates during the following hours and days of service: 24 hours a day, 7 days a week.

You can communicate with this service unit in the following ways: email or live chat.

In the hyperlink(https://www.vistabet.gr/en/mobileportal/contact)you can find a list of frequently asked questions-answers (FAQs), through which you can search for answers to frequently asked questions about the conditions of organization, conduct and Participation in the Games.

VISTABET has an obligation to serve you and respond to your requests, questions and queries, in a timely and valid manner. You will be explicitly informed by VISTABET in any case whenever the conversation with its customer service department is recorded, as well as in any case that the communication is followed by an evaluation of your service, in an automated or non-automated way.

For your communication with customer service, VISTABET does not charge and you are only charged for the charges of the telecommunications provider you use. Alternatively, you can be served here (hyperlink:https://www.vistabet.gr/en/mobileportal/contact?source=email) free of charge.

VISTABET has applications and tools to monitor the progress of each case and will inform you, as the case may be, of this development, in an automated or non-automated way.

9. CONTACT – INFORMATION TO PLAYERS

a. VISTABET’s communication towards you and in general the information you receive, are carried via posts and messages in your Online Account or with notifications to the e-mail address stated by you, during the creation of your Account and, if this has changed to the last email address provided by You.

b. The notification is considered to be received by you on the date of transmission.

c. You are not allowed to use more than one e-mail address at a time, either for Participation purposes or for information/notification purposes.

d. In order for VISTABET to legally send commercial communication material to you, you must have previously accepted electronically the possibility of sending such material by a procedure separate from that provided for the acceptance of the Contract.

e. VISTABET allows you the opportunity to stop sending commercial communication material at any time after revoking your consent at the following link https://www.vistabet.gr/en/mobileportal/contact.

f. For the purposes of this Contract, the above communication of VISTABET to You is stipulated to constitute written communication.

g. The legal and regulatory framework governing the conduct of Games is posted on the website of the HGC (see here: https://www.gamingcommission.gov.gr/index.php/nomiki-vivliothiki ).

10. COMPLAINTS

a. You have the right to submit to VISTABET any complaint, grievance, disagreement, about issues or events related to VISTABET Games and/or related transactions and for this purpose, in the following link you may find a template, which you can fill in and submit to the email address (special email address to which players' complaints are submitted) created by VISTABET specifically for this purpose, no later than forty-eight (48) hours after the date of the incident.

b. The complaint must include the necessary identification and communication details and in particular:

aa. Full name and father’s name

bb. Date of birth

cc. ID number or valid Passport number

dd. Full permanent residential address

ee. Address and desired method of sending a response

and must be accompanied by a copy of the Identity Card or Passport or equivalent document proving your identity.

c. The complaint must be adequately describing the facts, the time and the reasons invoked by you and include any evidence that you have and may substantiate your allegations at your discretion.

d. VISTABET will review the information contained in the complaint and in any case will inform you about the complaint within ten (10) days of its submission.

e. If VISTABET’s answer does not satisfy you, you may, within ten (10) days from the day following the notification of the reply, request the examination of the complaint by the HGC. The request for examination by the HGC is obligatorily notified by You to VISTABET, who forwards, without delay, the reply and the information related to the complaint to the HGC.

f. VISTABET has the right not to respond to repeated complaints of an abusive manner.

g. VISTABET does not disclose to you any data and information for which it is obliged to maintain confidentiality and/or privacy in accordance with the provisions in force.

11. INTELLECTUAL PROPERTY

a. VISTABET and/or affiliated companies of the Entain Group are the sole proprietors of the “VISTABET” trademark, domain names and the content of the Websites they have created. These items are protected by the applicable law and you do not acquire any intellectual property rights in them through the use of the Website(s) and the provision of the services offered through it.

b. By accepting this Contract, you declare knowing that the above information is the property of VISTABET or its partners or third parties from whom VISTABET has obtained a relevant license.

c. No one may reproduce, convert, store, copy, republish, upload, post, transmit or distribute by any means or manner, or include in any website or application, public or private system or electronic retrieval service including text, graphics video, messages, code and/or software, the above intellectual property assets without prior express, written, consent of VISTABET.

d. The commercial use or exploitation, reproduction, conversion, storage, copying, republishing, uploading, posting, transmission or distribution in any medium or any way, display and use on any other website or application, public or private system or service of electronic retrieval, including text, graphics, videos, messages, codes and/or software of the intellectual property assets are prohibited without the prior express and written consent of VISTABET.

12. DISPUTE RESOLUTION

a. All disputes arising out of or in connection with the Contract are the sole jurisdiction of the courts of Athens.

b. In the event of a dispute, disagreement or controversy arising out of or in connection with the Contract, VISTABET and You must make every effort to settle the dispute amicably, in accordance with the applicable provisions, after first notifying the HGC of the details and data relating to the dispute and announcing your intention for a friendly settlement.

c. In the event of not reaching an amicable settlement of the dispute, the parties to this Contract, namely VISTABET and you, will contact one of the Alternative Dispute Resolution Bodies (ADRs) registered in the relevant Registry, maintained in accordance with its provisions under Joint Ministerial Decision number 70330 oik./2015 (GG B' 1421), as in force from time to time, after informing the HGC of the details and data relating to the dispute and disclosing our intention to settle via an ADR.

d. The HGC may prohibit the parties from settling the dispute amicably or addressing them to the Alternative Dispute Resolution Bodies (ADRs), if the evidence of the case shows that the outcome sought by settlement/resolution is contrary to or circumvents the existing provisions and conditions of the Contract.

e. The settlement/resolution reached does not invalidate the right of the parties to appeal to the competent courts, for the protection of their rights, unless they have waived this right.

f. The settlement reached between the parties does not invalidate the right of the HGC to carry out the inspections required by law and to impose the administrative sanctions provided for in the provisions in force.

13. EVIDENTIARY EFFECT

a. The Contracting Parties agree and accept that orders, data and transactions transmitted electronically via the Internet are automatically recorded in a file and serve as full proof as to the time of registration and their content. Also, that the storage of your Participation in the Central Information System of VISTABET constitutes full proof for all the data and information of the Gaming Activity.

b. The data registered in the Central Information System of VISTABET, as well as the books and data, published and kept for accounting or supervisory purposes in paper or electronic form, including copies and excerpts thereof, have full probative value as to the records they contain.

c. In case of an incorrect money transfer order from or to your Online Account, you expressly waive the right to request the cancellation of the order and the legal transaction concluded in accordance with it.

14. ASSIGNMENT

You understand that it is expressly prohibited to assign or transfer any right and/or obligation arising from this Contract to any third party, natural or legal person.

15. DURATION - TERMINATION OF CONTRACT

a. The Contract lasts for as long as VISTABET legally provides its services under the License and you make legal use of these services, in accordance with the terms of the Contract and the applicable provisions.

b. This Contract may be terminated at any time without notice by the parties.

c. Termination of this Contract takes place either by Your request to close your Online Account, a template of which is posted on the VISTABET Website at the following hyperlink (link) and which you can complete and submit electronically to the email address (email address), or by closing your Online Account by VISTABET, in accordance with the terms of this Contract and the applicable provisions.

d. The termination must be sent to the counterparty and entails, from the date of its notification, the termination of the Contract, the closure and settlement of your Online Account, in accordance with the law.

The following terms of this Contract shall remain in force even after termination or dissolution in any way: 5, 6, 7, 11, 12, 14.

16. OTHER TERMS

a. The terms of this Contract, as well as the corporate policies and texts to which they refer, constitute the complete agreement of VISTABET with you on the matters governed by the Contract and these policies.

b. For any matter not regulated by this Contract, the applicable provisions shall apply, which shall prevail over any term of this Contract in conflict with them.

c. In the event that any term of this Contract is declared invalid or null, the validity or power of the remaining terms will not be affected.

d. VISTABET is entitled, following the relevant approval of the HGC, to adjust a term, which may be considered invalid or null, in order to eliminate the reason for invalidity or lapse, but to preserve, as far as possible, its content.

e. This Contract is governed by Greek Law. Any dispute or tort that arises under the Contract or on its occasion, including any trial during enforcement or taking any precautionary measure, will be the exclusive jurisdiction of the Courts of Athens.

VERSION 0.2 (January 12, 2023)