The following Betting Conditions (version 1.0.1) apply exclusively to all betting contracts. These Betting Conditions shall be valid as from (date of launch) and replace any earlier versions. These Betting Conditions shall be valid until replaced by a newer version. We accept no responsibility for printing errors.

1. General Terms and Conditions:
   1. Each bet shall involve the participation of bet-at-home.com Internet Ltd, based at St. Julian’s STJ 4011, Portomaso Business Tower, Level 12, commercial register number C35109, which accepts bets based on sporting events in accordance with the terms of its official licence LGA/CL2/192/2004 obtained from the Lotteries & Gaming Authority (LGA) in Malta which is a regulatory body of the Maltese government, and the customer placing the bet. At Casino- and Pokergames the contract partner is bet-at-home.com Entertainment Ltd., based at St. Julian’s STJ 4011, Portomaso Business Tower, Level 12, commercial register number C35055, which is also endued with an official maltese licence LGA/CL1/192/2004 that allows providing Poker and Casinogames.. Bet-at-home.com Internet Ltd. and bet-at-home.com Entertainment Ltd. is referred to hereafter as the „bet-at-home” in brief description.
   2. In concluding a bet or participating in the games, the customer acknowledges the validity and applicability of the latest version of these betting conditions as amended validly in each case and, in placing his bet or participating in the games, he declares that he is at the minimum age to be allowed to participate into gambling based on the national law system respectively and has no prior knowledge of the outcome of the respective sporting events. In case no legal requirement exists in the respective jurisdiction, the minimum age shall be 18.
   3. It is the player's responsibility to know if betting is legal in his or her country of residence. bet-at-home.com reserves the right to decline registrations from countries in which betting is considered illegal.
   4. In the event an underaged player is identified the account will be locked immediately. In case an underaged player manages for any reason to deposit funds any funds deposited or any money won by any such underaged person shall be forfeited to the Lotteries & Gaming Authority (LGA). Any such persons shall be forfeited to the Lotteries & Gaming Authority (LGA).
   5. The Company is at liberty to decline individual bets or to limit the stakes – it is not required to provide reasons for its decisions. Furthermore bet-at-home reserves the right to exclude users from the participation in betting and gambling without providing reasons.
   6. According to § 10 para. 2 ECG the conclusion of a bet is confirmed by bet-at-home with the message: „Your bet is accepted!“. This message has got influence neither on the place nor on the time of the contract conclusion. The contract of luck is accomplished at the location of bet-at-home, which is Malta.
   7. The company’s records shall prevail with regard to the content of all bets. The account statement may only be amended in order to rectify an obvious mistake or an obvious written or calculation error.
   8. We reserve the right to change the odds before concluding the bet. The odds will not change once a bet has been concluded, i.e. the odds will remain fixed
   9. The Company does not accept liability for transmission-, input- and/or analysis- errors. In particular, the Company reserves the right to correct obvious errors such as mistakes concerning odds or events/teams/etc. If it does not do this, the event is assessed as having odds of 1.00. The stake shall only be deemed to be the amount recorded or confirmed by the betting office.
   10. The customer has no right to claim compensation from the Company and/or its agents (e.g. due to incorrect, delayed, manipulated or improper data transmission on the internet), unless this claim arises out of deliberate action or gross negligence.
   11. A bet may only be cancelled or amended subject to the mutual agreement of both parties (customer and bookmaker), and this amendment or cancellation must be entered in the bookmaker’s, that is bet-at-home, records. Exceptionally bet-at-home can also cancel a bet ex post, if the bet has been won caused by a technical error of the user and bet-at-home can verify the error/s via technical notes.
   12. The legal relations between the user and bet-at-home are subject (as far as legally permissible) under Maltese law by exclusion of the reference norm of the international civil rights. The Maltese court of law shall be agreed as the place of jurisdiction in the event of any claims arising directly or indirectly from the betting contract and for any disputes regarding the conclusion and validity of bets or the participation in the games. Maltese law shall apply. Only customers legally permitted by their jurisdiction can participate in gambling and betting activities.
   13. All languages’ versions of this terms and conditions reflect the same principles. The prevailing language of these betting conditions in case of interpretation shall be English.
2. Other terms and conditions:
   1. If the betting event does not take place as specified in the odds sheet (e.g. change of venue or against a different opponent), the bet is void and stakes will be refunded. However, the bet is not void if the home team decides to relinquish its home advantage and voluntarily plays a game at an away ground, if the home team’s ground is out of action or if the betting event is transferred to a neutral ground
   2. If the bet is concluded after the betting event starts, or the stake is not covered by the account balance, the bet is void (odds of 1.00).
   3. The winner of a betting event is regarded as the team or person who is declared by the adjudicating officials to be the official winner no later than 24.00 hrs (calculated according to the local time at the event venue) on the day of the betting event. This also applies to long-term bets. Any changes to the classification made after this time shall have no effect on the bet payout, irrespective of the reasons for these changes.
   4. The result after 90 minutes (normal time) shall prevail in the case of football games and the result after 60 minutes (normal time) shall prevail for ice hockey matches. Any extra time or penalty shootouts, etc. will not affect the bet payout. Special agreements which are recorded in the Company’s records form exceptions to this rule. In American sports (NFL, College Football, NBA, MLB) the result after any extra time (overtime) decides the bet payout. Bets on the NHL form an exception to this rule, where the result after normal time decides the payout.
   5. If a cancelled betting event starts before the end of the calendar day two days after the original date of the event, the bet will remain valid for the new betting event. Bets on the MLB form an exception to this rule: if a game does not take place on the same calendar day, the game is calculated on the basis of odds of 1:00!
   6. If a betting event does not take place on the scheduled date, for whatever reason, or if the event is terminated without an official result and not restarted before the end of the calendar day two days after the original event, the stakes will be refunded or credited (with the exception of football and ice hockey games which are suspended after normal time or bets on the MLB: if an MLB game does not take place on the same calendar day, the game is calculated on the basis of odds of 1.00!) If a betting event is abandoned, but an official result is given, this result is used to calculate the winnings.
   7. Bets are paid in consideration of any company limits which may exist. In the event of a “dead heat”, payments are divided accordingly.
   8. The “play or pay” principle applies to all bets, i.e. if the starter on whom the bet has been placed does not play or run, for whatever reason, the bet is lost if the betting event takes place. Tennis forms an exception to this rule, as the stake is refunded if the player (or a doubles pair) does not play (odds based on 1.00). However, if a tennis player withdraws during the match, whatever the reason, the other tennis player is deemed to have won.
   9. If, in a multiple bet, a starter on whom a bet has been placed does not take part in a betting event, or if one of the events on which bets have been placed is called off, suspended or cancelled, or does not take place for other reasons and the relevant betting events are not played by the end of the calendar day two days after the date of the original event, these betting events are calculated with odds of 1:00. Bets on the MLB form the exception to this rule: if a game does not take place on the same calendar day, the game is calculated on the basis of odds of 1.00! The same applies to betting events which have been wrongly listed on the betting programme (odds list) (wrong choice of venue), but not in the event of any team deciding to relinquish its home advantage, if the home team’s ground is out of action or if the betting event is transferred to a neutral ground. If none of the starters on which bets have been placed in a multiple bet takes part in the betting events or if all the events on which bets have been placed in a multiple bet are called off, suspended or cancelled or if they do not take place for whatever reason, and the event is not transferred as described above, the stakes will be refunded.
   10. The same match pair may not be combined more than once. (Also applies to handicap bets, final result bets, special bets)
   11. In head-to-head betting, both starters must take part in the betting event. If either or both starters do not take part in the betting event, the bet is called off. In case that both of the participants of Head-to-Head bet drop out (for ex. None of them reaches the goal), both participants will be evaluated as incorrect. In case one runner does not qualify for the second round this will not be deemed as a drop out.
   12. Dog races are recorded dog races, whereas the import of the races happens at random.
   13. In the event of bets being placed on the “First goalscorer” and “Time of first goal”, and no goals being scored (0:0), any bets placed shall be lost. Any extra time or penalty shootouts, etc. will not affect the bet payout.
   14. In tennis, bets will remain valid as long as the match is held during the course of the tournament. If a tennis match is decided by the withdrawal or disqualification of a player, the opposing player shall be regarded as the winner of the betting event for the purpose of winning bets, as long as at least one ball has been hit during the match. In the event of withdrawal or disqualification of a player, bets relating to the winner of the first set shall remain valid if the first set has been concluded; otherwise these bets will be called off with odds of 1:00. Set bets (best of 3 or best of 5) and tennis handicap bets and other special tennis bets will stand if a player withdraws or is disqualified and are calculated with odds of 1:00. If a tennis match is called off before at least one ball has been played, the bets are called off with odds of 1:00.
   15. If a football game is suspended or no result is given, all special bets on this game such as “First goalscorer” or “Time of first goal”, etc. will also be calculated with odds of 1:00.
   16. In case there is an interruption longer than 60 minutes in a live bet, bet-at-home reserves the right to caluculate open bets with the odd 1,0.
   17. For Casino- and Pokergames all rules published on this website are valid.
   18. In case a Formula 1 race or any other motorsports event started behind the safety car for whatsoever reason this will not be considered a “safety car phase” during the race.
   19. If a boxing event does not take place on the scheduled date, for whatever reason, but is rescheduled within 28 days after the original date, all bets placed will be valid for the rescheduled event. In case the event is NOT rescheduled within 28 days after the original date, the stakes will be refunded.
   20. If a rescheduled Boxing event does not take place in the country which was originally defined all bets will be void and all staked will be refunded. In case the rescheduled Boxing event takes place at a different venue, but in the same country as originally defined, all bets will be valid.
   21. The result at the end of a Boxing event is irrevocable. This includes any recounting of the scoring judges votes. Belated changes of the respective institutions will not apply to the results of any bets.
   22. In case a boxing event is stopped prior to its completion, all bets are void, except of bets on the highest possible score in case this score has been reached already. In that case all bets retain their validity. If one of the boxers is not able to attend another round the previous round will be considered the last round of the fight.
   23. For knockdown bets in Boxing every time the referee starts his count to ten it will be considered a knockdown.
   24. “Rounds bets” in boxing will be cleared after the round in which the fight ends. If one of the boxers is not able to attend another round the previous round will be considered the last round of the fight for “victory” results of the event.
   25. Winter sports: The winner of a Head – to – Head –Duel will be, if not stated otherwise, the participant with the better positioning in the final ranking. The final ranking according to the FIS (www.fis-ski.com) will be taken into consideration for the clearing of the bets. In case both participants have no clearly defined positioning according to the final ranking, the last successfully finished run will be considered for the final positioning.
3. Betting Procedure (via Internet):
   1. The bet-at-home betting account is set up on Maltese law. All transactions concerning this betting account, especially the acceptance of wagers are processed as per Maltese law.
   2. The user sets up his account by himself via internet. Depending on his credit on this account, he can immediately place bets. All winnings will be credited on this account and accordingly can be used for further bets.
   3. A ‘Know Your Client’ procedure will be carried out on players depositing money
   4. In the case of incorrect data bet-at-home reserves the right, to exclude the users from participating in the offer and to refuse possible winnings. On request, the user shall undertake to provide a copy of an official photographic identification document (passport, driver’s licence, personal ID card) and a copy of the credit cards used by the user.
   5. Before data can be transmitted by internet as part of betting procedures, the user must use a code allocated to the customer (betting account number and PIN, where each PIN can be changed by the customer). The Company accepts no liability in the event of a betting account being used improperly by unauthorised persons entering the betting account number and PIN. Please note that the betting account number and PIN should be regarded as confidential information since all account transactions are charged to the customer once the betting account number and PIN have been specified
   6. If there is insufficient cover in the betting account and the missing amount is not transferred in sufficient time, incoming bets will be accepted as valid in the order in which they arrive provided that there is sufficient cover in the account for each individual bet. If a bet is only partially covered by the account balance, this is only valid in the proportion which is covered by the residual account balance.
   7. For an internet bet to be valid, the betting account - which the customer can check – must be in credit by at least the value of the stake.
   8. In the event of obvious errors in drawing up customer account balances, the Company has the right to make the necessary amendments.
   9. Claims regarding account statements and the balances in these statements may only be made within 45 days of the betting event. Failure to claim shall be deemed an acceptance of the notified account balance
   10. The customer agrees that the personal data communicated to the Company with a view to placing the bet may be stored and processed as part of the betting procedure.
   11. Only one betting account may be opened per customer. Free betting vouchers may be redeemed only once per person, family, household and generally used computer. If a person opens several betting accounts with a view to redeeming a number of free credit vouchers, the Company reserves the right to freeze all accounts and to withhold any payouts which may be due. The amount of the betting voucher has to be wagered three times (min. odd of 1.5), before you can request a pay-out.
   12. bet-at-home prohibits player collusion and takes measures to prohibit use of devices, such as robots, that distort normal game play.
   13. Player’s requests and complaints are handled via email, telephone and via live support – contact details can be found on the website. Disputes can be brought to the Maltese Lottery & Gaming Authority (LGA) at complaints@lga.org.mt.
   14. Please be aware of certain possibilities of gaming addiction. Problem gamblers can find contact of gamblers associations in the “responsible gaming” section on the website resp. ask the customer support.
4. Deposit Methods:
   1. Available Deposit methods

      Method	Duration	Min.	Max.	Processing fees
      Visa	Immediately	10.-1.-	NIL	2%
      Mastercard	Immediately	10.-	NIL	2%
      Diners	Immediately	10.-	NIL	2%
      Moneybookers	Immediately	10.-	NIL	NIL
      Webmoney	Immediately	10.-	NIL	0.8%
      paysafecard	Immediately	0.01	1000.-	NIL
      giropay	Immediately	10.-	NIL	NIL
      sofortüberweisung.de	Immediately	10.-	NIL	NIL
      EPS	Immediately	10.-	3000.-	NIL
      Przelewy24	Immediately	~2.-	NIL	NIL
      Ukash	Immediately	0.01	NIL	NIL
      ePay.bg	Immediately	5.-	1500.-	NIL
      Paybox	Immediately	5.-	NIL	NIL
      Wire transfer	2-7 banking days	0.01	NIL	NIL (bank fees might apply)

      All amounts in EURO.

   2. Players shall not treat bet-at-home as a financial institution nor expect interest on their deposits.
5. Withdrawals
   1. Available Withdrawal methods

      Method	Duration	Min.	Max.	Processing Fees
      Wire transfer	2-7 banking days	0.01	NIL	3 withdrawals per month free of charge. 5.- per additional withdrawal
      Moneybookers	Same day	10.-	6000.-	2 withdrawals per month free of charge. 5.- per additional withdrawal
      Credit Card	2-7 banking days	100.-	5000.-	NIL

      All amounts in EURO.

   2. At the customer’s request, winnings or a proportion of his winnings may be transferred immediately from his credit balance to an account which he has specified. Payouts exceeding EUR 2,000 require the players identity, age and place of residence. If no transaction has been recorded on a players account for thirty month (dormant accounts), the funds on the players account will be paid out. If the user is can’t be located, the funds will be remitted to the LGA. It is unlawful to deposit funds obtained from ill-gotten means. Therefore all transactions are checked to prevent money laundering and suspicious transactions will be reported.
   3. The funds will remain on the betting account until the withdrawal has been processed. It is the user’s responsibility that the account balance remains high enough to cover the requested withdrawal until the withdrawal has been processed. In case the balance does not cover the amount requested the withdrawal order will be cancel by bet-at-home.
   4. Withdrawals via wire transfer will only be remitted to the same bank account from where the funds paid into the player’s account originated.
   5. bet-at-home reserves the right to withhold funds from withdrawals in case these funds were not used for wagering/betting.
   6. In case the player took part in the first deposit bonus campaign the amount of the deposit – including the first deposit bonus - must be wagered at least three times (min. odd of 1.5), before bet-at-home.com will authorize a withdrawal.
   7. On request, the user shall undertake to provide a copy of an official photographic identification document (passport, driver’s licence, personal ID card) and a copy of the credit cards used by the user before the withdrawal will be processed.
6. Profit Limits

   The profit limit per bet is EUR 20,000.--

   The profit limit per customer and per week is EUR 100,000.--

7. Privacy Policy
   1. To register, the user has to personally fill in the relevant application form correctly and completely with the following details: First name; Last name; Address; Country; Currency; Date of birth; E-mail; It is the user's responsibility to inform bet-at-home in case any of this data has changed in order to maintain the account details up-to-date.
   2. Users have the right to close their account. In order to do so, the user has to inform bet-at-home via e-mail. As soon as bet-at-home has received such e-mail the users account will be closed accordingly.
   3. bet-at-home may refuse or close a player’s registration at it’s sole discretion but contractual obligations already made will be honoured.
   4. It is prohibited by bet-at-home to sell/acquire or transfer accounts to/from other players. It is also prohibited to transfer funds amongst user accounts.
   5. The company adheres to the Data Protection Act, other relevant regulations, legal notices and/or similar at the Place of the Contract taking account of the Data Protection Directive (EC Directive 95/46/EC) and the Electronic Communications Privacy Directive (EC Directive/2002/58/EC.
   6. The company ensures their account holders that, at all times:
      1. all personal data is processed in accordance with the rights of the account holder concerned;
      2. all personal data is processed fairly and lawfully;
      3. all personal data is always processed in accordance with good practice;
      4. personal data is only collected for specific, explicitly stated and legitimate purposes;
      5. personal data is not processed for any purpose that is incompatible with that for which the information is collected;
      6. personal data that is processed is adequate and relevant in relation to the purposes of the processing;
      7. no more personal data is processed than is necessary with regards to the purposes of the processing;
      8. the personal data that is processed is correct and, if necessary, up to date;
      9. no personal data is kept for a period longer than is necessary, with regards to the purposes for which they are processed; and,
      That all reasonable measures are taken to complete, correct, block or erase data to the extent that such data is incomplete or incorrect, having regard to the purposes for which they are processed.
   7. The company discloses personal data when ordered to do so by order of the Governing Authorities and/or under provision in the Governing Law. Furthermore, the company reserves the right to disclose personal data to relevant recipients when the company has reasonable grounds to suspect irregularities that involve a bet-at-home betting account.
   8. Customer Relationship Management ("CRM"): The company reserves the right to process personal data for CRM purposes.
   9. The company may supply personal data to third parties on an opt-in basis in case of direct marketing
   10. The account holder has the right to require access to the account holder's own personal data and/or has the right to correct and/or erase wrong and/or inappropriate data.
   11. Cookies: The bet-at-home.com website works by using cookies for the following purposes:
       • To identify the account holder’s preferred language so it is automatically selected when the account holder returns to bet-at-home.com
       • To ensure bets the account holder places are associated with the account holder’s betting coupon and account
       • To ensure the account holder receives any bonuses the account holder is eligible for
       • For analysis of bet-at-home.com website traffic to allow us to make suitable improvements
       Please be aware that it is not possible to use the bet-at-home.com site without cookies. If additional information about the company's use of cookies is requested, please email office@bet-at-home.com.

Last update: 12.11.2009