Terms & conditions

Version Number 5.1, last Updated 29 of April 2019

1. Introduction

   1. By using and/or visiting any section of the website playfrank.com (the "Website"); or by opening an account on the Website “You”, the “Player” or the “User” agree to be bound by:
      1. The General Terms and Conditions, on this page;
      2. The Bonus terms & conditions,
      3. The Privacy Policy,
      4. Any game rules,
      5. Any terms and conditions of promotions, bonuses and special offers which may be found on the Website from time to time.
   2. All of the terms and conditions listed above shall together be referred to as "the Terms".
   3. Please read the Terms carefully before accepting them. If you do not agree to accept and be bound by the Terms please do not open an account or continue to use the Website. Your continued use of the Website constitutes acceptance of the Terms.
   4. The Terms will come into effect on the 07th of May 2019.

   General Terms and Conditions

2. Parties

   1. The website is operated and managed by EveryMatrix Software Ltd., a company bearing registration number C51832, and having its registered address at Level 3, St. Julian’s Business Centre, Triq Elija Zammit, St. Julian’s, STJ 3155, Malta. EveryMatrix Software Ltd. is licensed and regulated by virtue of a Combined Remote Operating License number 000-039383-R-319384 issued on the 1st November 2014 by the United Kingdom Gambling Commission.

      Payments are processed by MoneyMatrix Ltd, on behalf of EveryMatrix Ltd. MoneyMatrix Ltd was incorporated under the laws of Malta, bearing company registration number C64593 and having its registered address at Level 3, St. Julian’s Business Centre, Triq Elija Zammit, St. Julian’s, STJ 3155, Malta.

   2. References in the Terms of Use to "us", "our," "we" or the “Company” are references to the party with whom you are contracting with, as specified above.

3. Changes to the terms of use

   1. We may need to change the Terms for a number of reasons, including for commercial reasons, to comply with new laws or regulations or for customer service reasons. The most up-to-date Terms of Use can be accessed here, and the date on which they came into force is noted.
   2. Where we make changes to the Terms of Use, which shall be notified to you in advance by email or by placing a notice on the Website, the player must re-confirm acceptance before the changes come into effect and he is able to place bets on our website.

4. Opening your account

   1. In order to place a bet via the Website, you will need to open an account on the website ("Your Account").
   2. We make no warranties or representations as to whether your accessing and/or use of the Website or Services is compliant with applicable laws in the jurisdiction in which you are located and you warrant that online gambling is not illegal in your jurisdiction.
   3. For various legal or commercial reasons, we do not permit accounts to be opened by, or used from, customers based or domiciled in certain jurisdictions. You may not use the Website and/or the Services if you are located in a prohibited jurisdiction. The fact that the Website is accessible in a prohibited jurisdiction, or that the Website is provided in the official language of a prohibited jurisdiction, shall not be construed as condoning the use of the Website in such prohibited jurisdiction. Any attempt to evade this restriction (e.g. by using a VPN, proxy or similar service that masks or manipulates the identification of your real location, or by otherwise providing false or misleading information regarding your location, citizenship, or place of residence, or by making bets or wagers using the Website through a third party or on behalf of a third party located in a prohibited jurisdiction) is a breach of these Terms and may constitute a criminal offence under applicable laws. If it becomes apparent, or we have reasonable grounds to suspect, that you are located in any of the prohibited jurisdictions, this may result in us closing your Account, without an obligation to provide you with advance notice, freezing the funds therein and providing the applicable details to any relevant authorities and you shall compensate us for any damage or loss resulting therefrom.
   4. When attempting to open an account or using the website from any other jurisdiction it is the responsibility of the player to verify whether gambling is legal in that particular jurisdiction. You are responsible for ensuring that you comply with any laws applicable to gambling online in the country in which you are located and/or are a resident of. You must not access the Website and/or open an Account from within a jurisdiction that prohibits online gambling; nor must you do so if you are a citizen of a country that prohibits its citizens from participating in online gambling, irrespective of their location.
   5. A player must register personally by following the on-screen instructions.
   6. When you open your Account you will be asked to provide us with personal information, including your name, date of birth, and appropriate contact details, including an address, telephone number and e-mail address ("Your Contact Details").
   7. You hereby acknowledge and accept that, by using the services at the Website, you may both win and lose money.
   8. Your Account must be registered in your own, correct, name. You may only open one account. Any other accounts which you open with us in relation to the Service and the Website shall be "Duplicate Accounts". Any Duplicate Accounts may be closed by us immediately and:
      1. If the total amount deposited to the Duplicate Account is played and lost, you agree to renounce your claim on the amounts deposited in the respective Duplicate Account;
      2. if the total amount deposited on the Duplicate Account has not been used to place any bets, we will apply a fee of 50% of the deposited amount and return the remaining 50% to you.
      3. If the amounts deposited to the Duplicate Account have been used to place bets which resulted in winnings, winnings will be made void and we will apply a fee of 50% of the total deposited amount on the Duplicate Account and return the remaining deposit to you. In the situation where after voiding the winnings, the remaining amount on the Duplicate Account is lower than 50% of the total amount that has been deposited by you, we will charge you a fee amounting to the remaining balance in your Duplicate Account.
      4. any returns, winnings or bonuses which you have gained or accrued during such time as the Duplicate Account was active will be forfeited by you and may be reclaimed by us, and you will return to us on demand any such funds which have been withdrawn from the Duplicate Account
   9. If you wish to open another account, you may do so by contacting the Manager at support@playfrank.com. If a new account is opened, the old account will be closed.
   10. You must maintain your account and keep your details up-to-date.
   11. If you wish to close your account you must send a request to do so on support@playfrank.com. By closing your Account, you also consent to the forfeiture of any promotional bonuses, prizes or benefits which you may have acquired.
   12. In the event of closure of your Account because of gambling addiction or if your account has been closed due to fraud you acknowledge that you are prohibited from opening a new Account. The Company will not be liable if you manage to open a new account, for such action nor for any direct or indirect consequential damages. The company shall have the right to close, at any time, a new account opened in breach of the requirement stated herein.

5. Verification of your identity; Money laundering requirements

   1. You warrant that:
      1. You are not younger than:
         1. Of 18 (eighteen) years; or
         2. Any legal age at which gambling or gaming activities under the law or jurisdiction that applies to you require ("the Legal Age"); and
      2. The details supplied when opening your Account are correct; and
      3. You are the rightful owner of the money in your Account.
      4. You are a resident in a jurisdiction which allows gambling
      5. The money deposited is not derived from any activity which is illegal.
   2. The company complies with European laws, regulations and guidelines for the prevention of money laundering and terrorism financing. Suspicious transactions/activities shall be investigated by the company and, if necessary, a suspicious transaction/activity report will be made by the company to the competent Authorities. In any such event, the company is prohibited from informing any players or third parties involved, save in limited circumstances, that an investigation is being or may be carried out, or that information has been or may be transmitted to the competent Authorities. Furthermore, in the event of any suspicious transactions activities, the company may suspend, block or close the account(s) of the relevant player(s) and withhold funds as may be required by law and/or by the competent Authorities.
   3. All transactions made by players on our site are checked to prevent money laundering, terrorist financing and all other illegal activity.
   4. By agreeing to the Terms you acknowledge we undertake verification checks as we may require ourselves or may be required by third parties (including, regulatory bodies) to confirm your identity and contact details and to prevent money laundering and terrorist financing and in order to verify if you are subject to a sanctions regime (the "Checks").
   5. The identity of the player (name, age and address) will be verified before deposit and before the player can access play-for-free versions of the games. Your Account will remain blocked until you have provided us with such information. If you do not or cannot provide us with such information, then we reserve the right to permanently close your Account. To complete your identification, we will ask you for:
      1. Passport, national identity card or driving license together with selfie and a recent utility bill (e.g. gas, electric, water, internet, council tax, bank statement or building society statement) less than three months old;
   6. In certain circumstances we may have to contact you and ask you to provide further information to us in order to complete the Checks. This includes:
      1. Proof of ownership of payment method – depending on the deposit method used, this may include a copy of the credit card used, screen shot of the e-wallet or a recent bank statement;
      2. A signed source of wealth declaration and any supporting documentation as to the declared source of wealth, including but not limited to, bank statements, payslips, sale of shares or other investments, company sale, profit from company, dividends, income or savings from employment, sale of property, inheritance, maturity or surrender of life assurance policy, insurance claims, compensation payment, lottery/betting/ casino win, loan and gifts. We retain the right to lock Your Player Account and suspend any further deposits and/or withdrawals, if you fail to provide us with the information and documentation requested.
   7. Conducting account fraud, use of Duplicate Accounts, manipulation or alteration in any way on the required documents to complete our Checks, manipulation of our software or Website, exploitation of loopholes or other technical forms of abuse or other behaviour which amounts to deliberate cheating are not permitted and constitute a material breach of these Terms. In any of these cases we reserve the right to confiscate your winnings and deposits, any Bonus Funds and permanently block Your Player Account.
   8. In the event that we detect multiple accounts, same IP address or computer device, family, residential address, telephone number, credit or debit card and/or e-payment account, e-mail address, and/or environments where computers are shared (university, school, public library, workplace, etc.), we reserve the right to confiscate your Bonus Funds and winnings and suspend Your Player Account.

6. Inactivity and deletion of player accounts

   1. If a player account remains inactive (i.e.: when no login is performed at the operator’s website) for a period of more than 12 months, the operator is entitled to charge a monthly account maintenance fee of £5, starting on the 13th month of inactivity. Following 12 months of uninterrupted inactivity, the operator will send a reminder mail to the user via the e-mail address saved in his/her account details. Upon receipt of this reminder mail, the user will have 30 days to log into his/her player account. If no login is registered within this 30-day period, £5 of real money credit or bonus money credit will be deducted from the balance. If the balance is less than £5 then the whole amount will be deducted. If the account remains inactive after 13 consecutive months, the user will be sent a reminder mail every month and a monthly charge of £5 will be incurred and deducted from the player account balance accordingly.
   2. If the player account remains inactive for more than 12 months and the account balance is £0, no further charge will be incurred. The inactivity fee will be incurred on a monthly basis until the next login is performed at the website, in this case, the operator is entitled to block the player account.

7. Username, password and customer information

   1. After opening your Account, you must not disclose (whether deliberately or accidentally) your username and password to anyone else. If you have lost or forgotten your Account details you may retrieve your password by clicking on the “Forget your Password” link below the login portal.

8. Deposits to your account

   1. If you wish to participate in betting or gaming using the Website, you must deposit money into your Account which you can then use to place bets or play games. We reserve the right to undertake basic KYC checks within reasonable time on player deposits for the purpose of verifying compliance with Sections 5 and 11 of the Terms.
   2. Deposits to the player account are made by transfer of money to the company’s account by way of the payment methods stated on the website. The payment methods currently available include debit cards, credit cards, E-Wallet payments, Prepaid Cards, Instant Banking, Fast Bank Transfers and Bank Transfers. The company reserves the right, to change the accepted methods of payment at its sole discretion. The company further reserves the right to accept certain methods of payment only subject to the fulfilment of certain conditions. The company does not warrant that all methods of payment are available at all times. To verify which payment and withdrawal methods that are currently available and the time lapse these take to process kindly visit our Deposit tab in the main page of our website.
   3. We do not accept cash funds sent to us.
   4. You must deposit from an account that is registered in your own name. We do not accept 3rd party deposits, e.g. a friend, relative, partner, husband or wife. Should we discover during our routine security checks that this has occurred, all winnings will be forfeited and the original deposit to the rightful owner of the account/Credit Card. If bank transfer is required to return the money to the rightful owner, all bank charges will be borne by the receiver.
   5. By depositing money you agree not to make any charge-backs, reversals or otherwise cancel any deposits into your Account, and agree to refund and compensate us for unpaid deposits.
   6. By depositing money you agree that you have been informed about the following: as per our license obligations under the United Kingdom Gambling Commission (UKGC), we are required to inform you that player funds are kept in designated accounts which are separated from the Company's business accounts. In the event of insolvency, player funds would form part of the assets of the Companybut they would form part of the assets of the business and would not be protected in the event of insolvency. These accounts may include bank accounts, investment accounts and other accounts. This is given a status of ‘’Not Protected’’ by the Gambling Commission as per Customer Funds Insolvency Rating System. For further information, please see: UKGC seperation of funds.
   7. For the maximum amount of money you will be allowed to deposit in any one transaction, please refer to the Deposit tab in the main page of our website.
   8. The company can, under certain circumstances, credit a player’s account with so called “bonus money”. The conditions for the crediting of the bonus (e.g. First Deposit Bonus) and the amount of the bonus is determined by the company and set out on the website from time to time. For promotions that are currently running please follow this link: Promotions
   9. The bonus is stated separately on the account. It can only be paid out once it has been transformed into real cash winnings. If an account contains both the player’s own money and bonus money, the bonus money will only be available for wagering once the existing money has been used. Specific bonus conditions may be published on the website with the launch of specific bonus schemes. Before fulfilling the bonus turnover conditions if you transfer or withdraw the main deposit amount, bonus amount and all winnings from this bonus will be forfeited. If any bets are placed with bonus balance, then bonus cannot be cancelled.
   10. Your Account is not a bank account and is therefore not insured, guaranteed, sponsored or otherwise protected by any banking insurance system. Additionally any money deposited with us in your Account will not earn any interest.
   11. We may at any time set off any positive balance on your Account against any amount you owe to us when we re-settle any bets or wagers pursuant to Duplicate Accounts, Collusion, Cheating, Fraud and Criminal Activity or Errors.
   12. An estimate of the time taken for your deposit to appear in your account will be stated on the applicable method during the deposit.
   13. Applicable processing fees for Deposits, if any, will be stated on the applicable method during deposit.
   14. Please not that credit card transactions wil appear on your billing statements as "MMX" Playfrank

9. Withdrawals from your account

   1. You may request withdrawal of funds from your Account at any time provided that:
      1. All payments made into your Account have been confirmed as cleared and none have been charged-back, reversed or otherwise cancelled;
      2. Any Checks referred to in paragraph 5 above have been completed.
   2. Subject to other clauses regarding breaches in Terms and Conditions and without prejudice to Our right to seek redress under any applicable legislation or policy, or under any other provision of the Terms and Conditions, We shall have the right to deem chargebacks in relation to deposited amounts as breach of Terms. You acknowledge and agree that if you hold accounts on multiple websites managed and operated by Us and chargebacks are registered in relation to at least one of these accounts, this will also be deemed as breach of Terms and Conditions and we reserve the right to take action against all your accounts which you hold with Us (this involves refusing withdrawals and confiscating winnings even across accounts which have not registered chargebacks at that time).
   3. Once we have approved your withdrawal you must give us sufficient information as to how the funds should be transferred to you. We will attempt to accommodate your request regarding the payment method and currency of your withdrawal. This, however, cannot be guaranteed. All withdrawals will be remitted only to the same account from where the funds paid into the player’s account originated. We reserve the right to charge a fee amounting to our own costs (including the cost of the deposits) for withdrawals of funds that have not been put into play.
   4. Player funds which are restricted from playing will be displayed in a separate balance on the player’s main page, a player may not withdraw these restricted funds (Bonus money).
   5. You are responsible for reporting your winnings and losses to your local tax or other authorities.
   6. Prior to withdrawal of funds not used for wagering or betting, KYC documents shall be requested in the case of players with no betting or casino activity. An estimate of the time taken for a withdrawal will depend on whether KYC documentation is needed and the speed at which it is delivered.
   7. If an account has been dormant, closed, blocked or excluded for any reason and for any period of time the player may contact our support team to recover any pending funds that he might still have in the account. Our support team will immediately launch an investigation into the claim and the player will be contacted back with information of how the funds will be transferred back to him.
   8. Applicable withdrawal fees, if any, will be stated on the applicable method during withdrawal.
   9. When processing a withdrawal, we reserve the right to apply a deduction equivalent to the amount of the respective transaction processing fees. We reserve the right to retain funds in your account if your balance will be less than GBP 1.50, due to higher sums of transfer commissions. For cases of inactivity please refer to section 6.
   10. Applicable rules regarding limits on withdrawals and/or specific payment terms in relation to withdrawals of large amounts may be found at https://www.playfrank.com/en-gb/info/friendly-answered-questions

10. Placing a bet or gaming

    1. All transactions will be concluded in the language from which you placed your transaction.
    2. It is your responsibility to ensure that the details of any transaction are correct.
    3. You can access your transaction history on the Website.
    4. We reserve the right to refuse the whole or part of any transaction requested by you at any time in our sole discretion. No transaction is accepted by us until we have confirmed to you that it has been accepted. If you do not receive a confirmation that your transaction has been accepted, you should contact Customer Services.
    5. Once your bet is confirmed, you cannot cancel the transaction without our written consent.
    6. If Sport games are applicable on this domain and a game is miscarried or aborted, kindly visit the Sports Section of the website which contains the General Betting Rules.

11. Collusion, cheating, fraud and criminal activity

    1. The following activities are not allowed and constitute a material breach of the Terms:
       1. Colluding with other third parties;
       2. Using unfair advantage or influence (commonly known as cheating), including the exploitation of a fault, loophole or error in our software, the use of automated players (sometimes known as 'bots'); or the exploitation of an 'error';
       3. Undertaking fraudulent activities to your advantage, including the use of a stolen, cloned or otherwise unauthorised credit or debit card, as a source of funds;
       4. Taking part in any criminal activities including money laundering and any offence with criminal repercussions.
       5. Transferring of funds from one player account to another.
    2. We will take all reasonable steps to prevent such activities; detect them and the relevant players; and deal with the relevant players appropriately. We will not be liable for any loss or damage which you or any other player may incur as a result of collusive, fraudulent or otherwise illegal activity, or cheating, and any action we take in respect of the same will be at our sole discretion.
    3. If you suspect a person is colluding, cheating or undertaking a fraudulent activity, please report it to us by e-mailing support@playfrank.com.
    4. We reserve the right to inform relevant authorities, other online gaming or gambling operators, other online service providers and banks, credit card companies, electronic payment providers or other financial institutions of your identity and of any suspected unlawful, fraudulent or improper activity, and you agree to cooperate fully with us to investigate any such activity.
    5. If Sport games are applicable on this domain, we reserve the right to withhold payment and to declare bets on an event null and void if we have evidence that:
       1. The integrity of the event has been called into question
       2. The price/s or pool has been manipulated
       3. Match rigging has taken place
       4. The game or event did not come to its natural conclusion
    6. We reserve the right to terminate events and/or games in any instance mentioned in the preceding clauses and in any other instance were any sort of abuse is detected.
    7. Evidence on the above will be based on the size / volume/ number or pattern of bets placed with on our gaming portals and/or if a decision has been given by a relevant governing body of the sport in question, if Sport games are applicable on this domain.
    8. Deposits made into your Account should be commensurate with intended game play. If there is a suspicion of abuse, (e.g. when a deposited amount is not used for an appropriate level of game play and the player requests a withdrawal in relation to that deposited amount; or where the Company suspects that the Player is abusing exchange rate fluctuations), we reserve the right to cancel the respective deposit/s in part or in full, to retract any costs that may have resulted in conjunction therewith and to close your Account indefinitely. In such instances, we further reserve the right to request and obtain satisfactory proof of deposit and additional copies of personal identification prior to processing any withdrawal request, and the processing of such a request shall be entirely at our discretion.

12. Other prohibited activities

    1. You should not use the Website for any purpose which is considered to be defamatory, abusive, obscene, racist, sexist, discriminatory, or offensive. You must not use any abusive or aggressive language or images; swear, threaten, harass or abuse any other person, including other users, or behave in such a manner towards any Company staff used to provide the Website or Customer Services.
    2. You shall not corrupt the Website, flood the Website with information so as to cause the Website to not function, nor use any features which may affect the function of the Website in any way for example (but not limited to) releasing or propagating viruses, worms, logic bombs or similar. Any multiple submissions or "spam" are strictly prohibited. You must not interfere or tamper with, remove or otherwise alter in any way, any information in any form which is included on the Website.
    3. You shall use the Website for personal entertainment only and shall not be allowed to reproduce the Website or any part of it in any form whatsoever without our express consent.
    4. You must not attempt to gain unauthorised access to the Website, the servers on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or similar. When breaching this provision we will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.
    5. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on such Website, or on any website linked to the Website.
    6. It is prohibited to sell, transfer and/or acquire accounts from other players.

13. Closure and termination by us

    1. The company may refuse to open an account or may opt to close a players’ account which has already been opened at its own discretion. Notwithstanding this all contractual obligations already undertaken or entered into will be honoured.
    2. In the event of any suspicious transaction/s, the company reserves the right to suspend or block a players’ account and withhold funds as may be required by law. Or the competent Authority.

14. Alteration of the website

    1. We may, in our absolute discretion, alter or amend any product offered via the Website at any time for the purpose of maintaining the Website.

15. Technical failure and time critical events

    1. Where an unexpected flaw occurs in the system, we will take all reasonable steps to remedy any faults or errors related to the software or hardware which we use to provide the Website, as soon as reasonably practicable. In the eventuality that such error or fault has caused a game to be interrupted in such a way that the game cannot be resumed from the exact same position without any detriment to you or other players, we will take all reasonable steps to treat you in a fair manner. This may include reinstating the balance on your Account and reverting to the position existing following completion of the last bet or game logged immediately prior to the occurrence of the problem.
    2. In the event of a disconnection occurring during a casino game, you will be able to reconnect to the casino, return to the game that you were playing, and you will be prompted to resume your unfinished game.
    3. Since live games are concluded in real time, they constitute an exception to the above, and inaction by you will be taken as your choice and the game will eventually end. For games where no additional action is required from you after placing a bet, for example with a slot machine, you can check the outcome of the bet by visiting your betting history. The disconnection will not have affected the game, and you will have the same chance of winning as if you had watched the outcome on your screen.
    4. When you access the website you should be aware that you may be using equipment or a connection which is not as fast as that used by other players. This may have an impact on your performance in time critical events offered on the website.
    5. We do not accept any liability for technical failures which are caused by your equipment used to access the Website or faults which relate to your internet service provider.

16. Errors or omissions

    1. A number of circumstances may arise where a bet is accepted, or a payment is made, by us in Error. Reasonable efforts are undertaken to prevent errors or omissions, however system problems or human error may lead to such circumstances. Such circumstances may include, without being limited to, the hereunder situations:
       1. Acceptance of a bet at a price which is significantly different from those available in the market at the time the bet was placed;
       2. Miscalculation (including due to human error) of bonuses, winnings or returns paid to you;
       3. Information on odds or terms of a bet may have been entered incorrectly as a consequence of human error or computer malfunction;
       4. Errors or omissions resulting from Prohibited Activities
       5. Errors or omissions which result in winnings being flagrantly incorrect or different from those on the market;
       6. Continued acceptance of bets on a market or event that has already been closed or suspended (“late bets”).
    2. We reserve the right to either correct any Error made on a bet placed and re-settle the same at the correct price or terms which were available or should have been available at the time that the bet was placed and the bet will be deemed to have taken place on the terms which were usual for that bet; or in cases where the correction or resettlement of the bet is not possible, to declare such bet void and refund the stake in question back into your Account.
    3. Neither we (including our employees or agents) nor our partners or suppliers shall be liable for any loss including loss of winnings that results from any Error by us or an error by you. You will forfeit any winnings/losses that result from any such Error.

17. Exclusion of our liability

    1. Your access to and use of the products offered via the Website, is at your sole option, discretion and risk.
    2. We will provide the Website with reasonable skill and care and substantially as described in the Terms. We do not make any other promises or warranties the Website, or the products offered via the Website, and hereby exclude (to the extent permitted by law) all implied warranties in respect of the same.
    3. We shall not be liable to you in contract, tort (including negligence) or otherwise for any business losses, including but not limited to loss of data, profits, revenue, business, opportunity, goodwill, reputation or business interruption or for any losses which are not currently foreseeable by us arising out of the Terms of Use or your use of the Website.

18. Breach of the terms of use

    1. You shall compensate us in full for any claims, liabilities, costs, expenses (including legal fees) and any other charges that may arise as a result of your breach of the Terms.
    2. Where you are in material breach of the Terms, we reserve the right, but shall not be required, to:
       1. Provide you with notice (using your Contact Details) that you are in breach requiring you to stop the relevant act or failure to act,
       2. Suspend your Account so that you are unable to place bets or play games on the Website,
       3. Close your Account with or without prior notice from us.
       4. Recover from your Account the amount of any pay-outs, bonuses or winnings which have been affected by any material breach.
    3. We have the right to disable any user identification code or password if in our reasonable opinion you have failed to comply with any of the provisions of the Terms.

19. Intellectual property rights

    1. All website design, text, graphics, music, sound, photographs, video, the selection and arrangement thereof, software compilations, underlying source code, software and all other material contained within the Website are subject to copyright and other proprietary rights which are either owned by us or used under licence from third party rights owners. To the extent that any material contained on the Website may be downloaded or printed then such material may be downloaded to a single personal computer only and hard copy portions may be printed solely for your own personal and non-commercial use.
    2. Under no circumstances shall the use of the Website grant to any user any interest in any intellectual property rights (for example copyright, know-how or trademarks) owned by us or by any third party whatsoever.
    3. No rights whatsoever are granted to use or reproduce any trade names, trademarks or logos which appear on the Website except as specifically permitted in accordance with the Terms of Use.
    4. Further to the above provisions, you warrant that you shall not circumvent in any way the Intellectual Property Rights of gaming software providers or any other third party owners of such rights. Any breach of this requirement which we become aware of will be notified within reasonable time to the respective Intellectual Property Right owner for undertaking appropriate action and enforcement.

20. YOUR PERSONAL INFORMATION

    1. We are required by law to comply with data protection requirements in the way in which we use any personal information collected from you in your use of the Website. We therefore take very seriously our obligations in relation to the way in which we use your personal information. To learn how we use your personal information please read our Privacy Policy. .
    2. All information on Your Account held by us is securely data warehoused and remains confidential except where otherwise stated in the Terms (including, for the avoidance of doubt, the Privacy Policy)
    3. Prior to your use of and when you use the services it will be necessary for us to collect certain information about you. By providing us with the information, you consent to our processing your personal Information: a. for the purposes set out in the Term including the Privacy Policy; b. for other purposes where we need to process your personal information for the purposes of operating the Website c. to comply with a legal or regulatory obligation.
    4. We may retain copies of any communications that you send to us (including copies of any emails) in order to maintain accurate records of the information that we have received from you.

21. USE OF COOKIES ON THE WEBSITE

    1. The Website uses 'cookies' to track Your use of the internet, to collect certain information about Your Access Device (such as IP address, device type, geo-location data, browser information) and to assist the functionality of the Website. A cookie is a small file of text which is downloaded onto your computer when you access the Website and it allows us to recognise when you come back to the Website. For more information about our use of cookies, please read our Cookie Policy at Cookie Policy.
    2. Information on deleting or controlling cookies is available at www.aboutcookies.org. Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of the Website. Please note that by deleting our cookies or disabling future cookies You may not be able to access certain areas or features of the Website.

22. COMPLAINTS AND NOTICES

    1. If you wish to make a complaint regarding the Website, first step should be to contact Customer Services on support@playfrank.com.
    2. In the event of any dispute, you agree that the records of the server shall act as the final authority in determining the outcome of any claim.
    3. You agree that in the unlikely event of a disagreement between the result that appears on your screen and the game server, the result that appears on the game server will prevail, and you acknowledge and agree that our records will be the final authority in determining the terms and circumstances of your participation in the relevant online gaming activity and the results of this participation.
    4. When we wish to contact you regarding such a dispute, we will do so by using any of your Contact Details.

23. INTERPRETATION

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

24. TRANSFER OF RIGHTS ANDOBLIGATIONS

    1. We reserve the right to transfer, assign, sublicense or pledge the Terms, in whole or in part, to any person, provided that any such assignment will be on the same terms or terms that are no less advantageous to you.
    2. You acknowledge that in an event of a website shut-down or change of provision of gambling content, your account may be transferred to a different website managed and operated by Us or by a third party. We reserve the right to void the pending bets and forfeit all related existing bonus amounts at the moment of website shut down or change of provision of gaming content.

25. Events outside our control

    1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the Terms of Use that is caused by events outside our reasonable control, including, without limitation, acts of God, war, civil commotion, interruption in public communications networks or services, industrial dispute or DDOS-attacks and similar Internet attacks having an adverse effect ("Force Majeure"). Our performance is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations may be performed despite the Force Majeure Event.

26. Waiver

    1. If we fail to insist upon strict performance of any of your obligations or if we fail to exercise any of the rights or remedies to which we are entitled, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
    2. A waiver by us of any default shall not constitute a waiver of any subsequent default. No waiver by us of any of the provisions of the Terms shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with above.

27. Severability

    1. If any of the Terms are determined to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law. In such cases, the part deemed invalid or unenforceable shall be amended in a manner consistent with the applicable law to reflect, as closely as possible, our original intent.

28. Law and jurisdiction

    1. The Terms of Use shall be governed by and interpreted in accordance with the laws of Malta.
    2. The Courts of Malta shall have non-exclusive jurisdiction over any disputes arising out of the Terms of Use themselves.

29. Responsible gaming and gambling

    1. We are committed to endorsing responsible gaming as a policy of customer care and social responsibility. We believe it is our responsibility to you, our customers, to ensure that you enjoy your wagering experience on our site, while remaining fully aware of the social and financial harms associated with problem gambling.
    2. Financial Limits - A player may set financial limits mainly related to deposits, wagers and losses by contacting our Support team or by going to ‘My Account’ section, if available. Once these limits are set the player will not be able to exceed these limits. General information about this option can be found under "Responsible Gaming" section. Limits can be amended at any time. A decrease in the deposit limit will take effect immediately, but an increase can only occur after a 24 hour cooling-off period, in order to avoid rash decisions. If you require any further information or assistance regarding responsible gaming, please contact Support.

    3. Self-exclusion - If you feel that you may have lost control of your gambling, we provide a self-exclusion facility which can be activated by contacting selfexclusion@everymatrix.com. Self-exclusion will happen within 24 hours from the moment we receive your request for self-exclusion from gambling. You must clearly state why you want to self-exclude and for what period, which may be no less than 6 months. Note that self-exclusion is for individuals that experience problems with gambling. Therefore, by enforcing self-exclusion you acknowledge that you may have a problem and exhibit vulnerability to gambling.

       Your account will remain closed for a minimum period of 6 months and cannot be reactivated during this period. Also, as per our licence obligations you will be automatically excluded from other websites managed or operated by us on which you have registered. This will occur no later than 5 working days after your initial self-exclusion request has been received by us. Any funds remaining in any of your other accounts, which you may be holding on other websites operated or managed by Us, shall be immediately returned to You, with an applied deduction equivalent to the transaction processing fees and all such accounts will be closed due to your self-exclusion.

       If you request not to be self-excluded on other websites managed by us, a reason for this demand must equally be provided.

       Your account will remain closed after the end of the self-exclusion period unless you yourself take positive action to resume gambling by contacting us at selfexclusion@everymatrix.com. For additional information regarding self-exclusion and player protection, please visit our Responsible Gaming section.

       We will use our reasonable endeavours to ensure compliance with your self-exclusion.

       Should you self-exclude from at least one of the websites managed and operated by us and afterwards, during the applicable self-exclusion period, succeed in opening an account, all of your bets shall be voided by us and all of your deposits will be returned to You, with an applied deduction equivalent of the transaction processing fees. This will occur immediately upon detection and You agree to waive any and all claims relating to the respective amounts. We may, in certain events of Self-exclusion, contact you in order to transfer your outstanding funds from your player account. We may ask you to provide account details or payment method details (such as bank account details or other applicable methods) in order to perform the refund; Kindly make sure that all account details, such as email address, full name, etc. are accurate at all times.

       We also recommend that consideration is given to the installation of software that will allow you to block access to internet gambling websites. See Filtering Systems at the bottom of this page.

       To be able to access your player account after your period of Self-exclusion ends you will need to send an email to selfexclusion@everymatrix.com.

       If you are considering self-exclusion, you may wish to register with GAMSTOP. GAMSTOP is a free service that enables you to self-exclude from all online gambling companies licensed in Great Britain. To find out more and to sign up with GAMSTOP please visit https://www.gamstop.co.uk.

    4. Standard account closure – standard account closure should be used only if you do not want to gamble for a brief period and general account closure can be revoked at any time during the break. If you wish to enable standard account closure, please email support@playfrank.com, stating the period you wish to have your account closed as well as a reason as to why the account should be closed. Standard account closure may be used for any reason, with the exception of problem gambling. Note that the support team can assist you with most issues you might have related to use of the website as questions about promotional campaigns or any such activity that stems from use of the site.
    5. Underage Gambling - It is illegal for anyone under the age of 18 to open an account or to gamble on our website. We carry out age verification checks on all customers who use payment mechanisms which are available to under 18s and additionally perform random age verification checks on customers using other forms of funding mechanisms. Please note that anyone under the age of 18 found to be using the site will have any winnings forfeited and may also be reported to the authorities.
    6. Filtering Systems - Filtering solutions allow parents to regulate access to the internet, based on chosen criteria. Parents can use filters to prevent their children from accessing, amongst other things, gambling websites. If you share your computer with friends or family who are under the legal age to register or bet on our site, or have requested self-exclusion from gambling sites, please consider parental filtering solutions
    7. Setting of Session Time Limits – A player may set maximum Session Time Limits by contacting our support team. Once these limits are set the player will not be allowed to continue playing above the pre-set time limit in any one session.
    8. We shall hold no liability for any claims made as a result of email client errors resulting in us not being able to receive your request. If we do not reply back to you within reasonable time, kindly check your email client and ensure that your email was sent successfully. You acknowledge it is your responsibility to ensure we have received your request, should you not receive a reply or confirmation of receipt of email from us.

    9. We are committed to supporting Responsible Gambling initiatives and encourage you to find information about Responsible Gambling at the websites of the following organisations:

       • The National Council on Problem Gaming - http://www.ncpgambling.org/
       • GamCare UK - http://www.gamcare.org.uk/
       • Gamblers Anonymous UK - http://www.gamblersanonymous.org.uk/
       • Gamblers Anonymous - http://www.gamblersanonymous.org/
       • Gambling Therapy - https://www.gamblingtherapy.org/
       • GAMSTOP - https://www.gamstop.co.uk/

30. Links

    1. Where we provide hyperlinks to other websites, we do so for information purposes only. You use any such links at your own risk and we accept no responsibility for the content or use of such websites, or for the information contained on them.

31. Chat rooms (blog) - if applicable

    1. The company may give its customers the possibility to make use of a chat room where they are able to communicate with other players registered and making use of the site. In cases of a possible Chat room, the following terms will apply. Also, we set the chat room policy and reserve the right to change these policies at any time with or without notice. By using this chat room, you are binding yourself to comply with these terms and conditions.
    2. The chat room is intended for legitimate comments and constructive discussion. We reserve the right to restrict the rights of individuals to post comments in any chat room set up by us. Any liability arising out of the use of such chat rooms are borne solely by the user.
    3. Every user of our chat room agrees not to post any comment which is:
       1. Defamatory in nature or any other information that the user has no legal right to disclose, or is otherwise illegal;
       2. (Or contains anything which is) racist, vulgar, hateful, obscene, profane, threatening, insulting or offensive;
       3. Intend to impersonate another person or entity;
       4. Posted for the purpose of advertising;
       5. Or contains a link to any, virus, corrupted files, key loggers or any other malicious code or material that could cause harm to the computer, data or financial security of any party;
       6. A comment intended to take advantage or collude with or against other players using our site or amount to activities of a suspicious or criminal nature
       7. A link to any intentionally false or misleading statements or any statement seeking to unfairly manipulate a market;
       8. An attempt to collect or store data about other users;
       9. A misuse of Forum functionality
       10. Information protected by any form of intellectual property whether registered or unregistered or any contractual, statutory and equitable obligations of confidence
       11. In a language other than the native language of that particular forum.
    4. Our forums are moderated and all conversations are logged or recorded. We reserve the right to refuse to post any comment/s and investigate and take provisions, which may include but are not limited to the closure of any account against any user who is in breach of these terms and conditions. We also reserve the right to close or remove any chat rooms without prior warning and also to report any suspicious chats or comments to the relevant authorities.

32. Complaint handling

    1. The company endeavours to provide a high quality service to its players at all times. However, players may for various reasons feel that they are not satisfied with the level and/or quality of service and may wish to file a complaint. Aggrieved players may send an email to complaints@everymatrix.com with as much detail as possible.
    2. Our customer support team will attempt to handle a player’s complaint as soon as reasonably possible. If the support team cannot resolve the complaint they will escalate it to management for solution.
    3. In any case the player will receive a response to their complaint within a period of 10 working days.
    4. In the event that a compliant is not resolved to your satisfaction, the complaint becomes a dispute and you may escalate the dispute further to an independent third party alternative dispute resolution entity. We are using eCOGRA as an alternative dispute resolution entity and disputes may be filed under http://www.ecogra.org/ata/dispute.php . Your complaint must contain clear and detailed information about your identity and the relevant details of your complaint. The claim or dispute will be settled in accordance with the Governing Law of the Place of the Contract. The outcome of each dispute referred to eCOGRA will be notified to the UKGC.