TERMS AND CONDITIONS

Last Updated: 24.09.2024

This document outlines the Terms and Conditions developed by 12 Stars International Technology Solutions Limited, a company established under the laws of Seychelles, with its registered address at House of Francis, Room 303, Ile De Port, Mahé, Seychelles, and company number: 241277. 12 Stars International Technology Solutions Limited is referred to here as “Administration,” “we,” “us,” or “Website.” “You” or “your” refers to you as a user of our website.

These Terms and Conditions apply if you participate at the Casino and cover all money and wagers accepted by us, as well as all services offered on sikwin.com. They replace any pre-existing rules, terms, and conditions previously listed on this Casino Website.

1. INTRODUCTION: KEY DEFINITIONS AND YOUR TERMS OF USE

1.1. The following definitions are used in these Terms and Conditions:

* Access Device: Any electronic means of accessing our services, including but not limited to computers, smartphones, tablets, and smart TVs.

* Bonus Terms: Conditions and rules for promotions, bonuses, and special offers.

* Supervision Institution: The Gaming Board of Anjouan, overseeing commercial gambling.

* Operator: 12 Stars International Technology Solutions Limited, Seychelles, license no. ALSI-132405043-FI3.

* Privacy Policy: Our privacy policy, accessed via the link on our website.

* Rules: The Betting Rules and Game Rules specific to the type of betting or gaming.

* Refund: A reversal of funds deposited but not used for services.

* Services: The services offered through the Website or any Access Device.

* Terms of Use: Includes these General Terms, the Privacy Policy, Rules, Bonus Terms, and any other applicable terms for the services.

Website: The domain or subdomains of sikwin.com.

1.2. By using or visiting any section of the Website or opening an account, you agree to the Terms of Use, which includes the acceptance of electronic communications and the waiver of any hand-signature requirements,

where permitted by law. The Terms of Use do not affect your statutory rights.

1.3. If you play any game, place bets, or use any services, you agree to be bound by the applicable Game Rules, Bonus Terms, and any other relevant terms.

1.4. The original text of these Terms of Use is in English, and any interpretation will be based on the original version. If translated, the English version prevails.

1.5. Please read these Terms carefully before accepting them. Once accepted, print and store the Terms along with any confirmation emails, additional terms, transaction data, game rules, and payment methods relevant to your

use of the Website.

1.6. If you do not agree with these Terms, do not open an account or continue using the services.

1.7. All sections of the Website are governed by these Terms, and you must ensure your compliance at all times.

2. CONTRACTING PARTIES

2.1. The Terms of Use are agreed between You, the Operator, and the Payment Processor. 12 Stars International Technology Solutions Limited operates the site sikwin.com, under the laws of Seychelles.

2.2. Any money held in your account will be subject to the terms outlined by the Operator and any related parties (partners, suppliers).

3. CHANGES TO THE TERMS OF USE

3.1. We may amend these Terms for several reasons, including legal, regulatory, or customer service-related reasons. The most recent version can be found via the Terms and Conditions link on the Website.

3.2. Substantial changes will be communicated via a notification method as deemed appropriate. Minor changes may not be accompanied by notification, so reviewing the Terms regularly is recommended.

3.3. Any changes we wish to notify you about will be shared by methods of our discretion.

4. OPENING YOUR ACCOUNT

4.1. To place a bet or play games, you need to open an account with us ("Your Account").

4.2. To open an account: Click Join Now on the Website and follow the instructions. Or use another method provided by the Operator from time to time.

4.3 When opening your account, you must provide personal information, including name, date of birth, address, and contact details. You can update these details via Customer Services or your account management page.

4.4. By opening your account, you warrant that:

* You accept the risk of losing money, as well as winning.

* You are over 18 and of legal gambling age in your jurisdiction.

* Gambling is legal where you reside.

* You are legally able to enter contracts.

* You have not been excluded from gambling.

* You do not already have an account with us or one that has been closed.

4.5. You may only register one account with correct personal details. Any duplicate accounts will be considered "Duplicate Accounts," which we may close. Any bonuses or winnings from Duplicate Accounts will be voided.

4.6. You cannot register or use our services if you are a resident of Australia, Austria, Comoros, France, Germany, the Netherlands, Spain, the United Kingdom, the United States, or any FATF blacklisted countries.

We may also refuse customers from other jurisdictions at our discretion.

5. VERIFICATION OF YOUR IDENTITY AND ANTI-MONEY LAUNDERING

5.1. You warrant that the name and address provided are correct and that you are the rightful owner of any money deposited.

5.2. We may undertake verification checks from time to time, and you may be required to provide additional details.

5.3. During verification, we may restrict access to your funds or certain services.

5.4. We may request notarized ID, proof of address, or other documents if necessary. If incorrect information is provided, we may close your account.

5.5. If you are found to be underage: Your account will be closed. All transactions will be void, and funds will be returned. Winnings will be forfeited, and any withdrawn funds must be returned.

6. KNOW YOUR CLIENT (KYC) POLICY

We aim to make the Age Verification process simple and efficient. Follow these steps when sending your documents:

* Separate Images: Submit each document as a separate image.

*Image Format: We prefer photo-captured images, but scanned documents in .jpeg format are also acceptable.

Document Submission Tips:

* Ensure the first six and last four digits of your credit card are visible. The CVV must be hidden.

* Ensure the image is clear and the text is easily readable.

* Ensure the entire passport photo or ID page is visible without obstructions.

* Use good lighting and avoid flash to prevent glare.

* This verification is required by law as part of our commitment to responsible gambling.

6.1. Why Do I Need to Verify My Account?

When signing up for a new account, we need to verify that you are over 18 and that your identity matches the provided details. This process is called Know Your Customer (KYC) and is required by law.

6.2. What Do I Need to Provide?

To verify your age, we accept one of the following documents:

* Passport (recommended)

* Driving license

* National ID card

* Birth certificate (processing time: up to 24 hours)

* Payment card (only the first 6 and last 4 digits should be visible, and the CVV hidden)

To verify your identity, additional documents may be required, such as:

* Signed credit agreement

* Utility bill (dated within the last six months)

* Bank statement (dated within the last six months)

* Ensure that your documents are in good condition before submission.

6.3. How Can I Send My Documents?

You can verify your account online or by email. Follow these steps to submit via email:

* Take a photo (or scan and save in .jpeg format) of each document.

* Use the email account you registered with to open a new message.

* Attach the photos and send the email to [email protected].

* Include your account number or username in the subject line.

* Click "Send."

When registering for an account, you must provide:

* Your full name and contact details, including a valid email address unique to your account.

* Your date of birth (you must be at least 18 years old).

* A unique username (letters, numbers, underscores, and hyphens allowed) and a secure password.

* Your betting currency and a deposit limit.

* A security question and answer.

* Our system checks the details you enter during registration and notifies you of any issues, allowing you to make corrections before clicking "Create My Account."

For legal reasons, your account may be inaccessible while traveling abroad, depending on your location and our game providers’ restrictions.

7. USERNAME, PASSWORD, PIN, AND CUSTOMER INFORMATION

7.1. Safeguarding Your Account

You are responsible for keeping your username, password, and account number confidential. Ensure that up-to-date security software is installed on your devices.

7.2. Unauthorized Transactions

All transactions made with your correct username, password, or account number are valid, even if unauthorized. We are not responsible for claims arising from the disclosure of this information.

7.3. Lost or Compromised Account Details

If you lose or suspect someone knows your account details, immediately contact [email protected] for assistance.

8. DEPOSITS, WITHDRAWALS, AND REFUNDS FROM YOUR ACCOUNT

8.1. Depositing Funds

You must deposit funds from an account registered in your name. Deposits from other sources may be considered invalid.

8.2. Withdrawals and Refunds

Withdrawals are processed within 7 days following KYC completion and account approval. Refunds are only available if no gaming activity has occurred since the deposit.

To request a withdrawal or refund, contact support at [email protected]. Refunds must be requested within 7 days of the deposit. All subsequent withdrawals will be treated as winnings payouts.

8.3. Reporting Obligations

It is your responsibility to report winnings and losses to local tax authorities, as required by law.

8.4. Deposit Limits

You may set a daily deposit limit on your account. Contact [email protected] for assistance.

8.9. Deposit and Withdrawal Minimums

*Minimum deposit: 10 EUR.

*Minimum withdrawal: 10 EUR.

*Withdrawals up to 1,000 EUR are processed within 72 hours, while larger amounts may take up to 7 days.

9. BONUSES

9.1. Bonus Changes

We reserve the right to modify, add, or remove any unclaimed bonuses.

9.2. Wagering Requirements

Bonuses often have wagering requirements. The requirements must be met before withdrawing funds from the bonus balance. The minimum wagering requirement is 25 times the bonus amount.

9.7. Bonus Abuse

If we detect that a player is abusing bonuses, we reserve the right to confiscate winnings and close the account.

10. LEGAL USE OF THE WEBSITE

10.1. Geographic Restrictions

Access to the website may not be legal in all countries. It is your responsibility to determine if online gambling is legal in your location. If we determine that you are in a restricted jurisdiction,

we may close your account and refund your balance.

11. PLACING YOUR BET AND/OR GAMING USING THE SERVICES

11.1. Transaction Confirmation

It is your responsibility to ensure that any bets or gaming transactions you place are correct. Once confirmed, transactions cannot be canceled unless agreed upon by us.

11.2. Transaction Modifications

We reserve the right to cancel or amend any transaction due to issues such as fraud or identity verification concerns.

12. REMOTE GAMING OR BETTING

12.1. Technical Limitations

When accessing our services remotely, you may experience slower performance or technical issues. Ensure that you are familiar with the game rules and understand the potential risks of using slower devices or connections.

13. COLLUSION, CHEATING, FRAUD, AND CRIMINAL ACTIVITY

13.1. The following practices related to the Services are prohibited and constitute a material breach of the Terms of Use:

* Abuse of bonuses or promotions.

* Using unfair external factors or influences (commonly known as cheating).

* Taking unfair advantage (as defined below).

* Opening Duplicate Accounts.

* Engaging in fraudulent practice or criminal activity (as defined below).

We will take all reasonable measures to prevent and detect these practices, and we reserve the right to act at our discretion in dealing with them. We shall not be liable for any losses incurred due to Prohibited Practices.

13.2. If you suspect any individual is involved in a Prohibited Practice, you must report this to us as soon as reasonably practicable by emailing or calling Customer Services.

13.3. You agree not to participate in any form of Prohibited Practice in connection with your use of the Services.

13.4. We have the right to withhold or recover funds from your account if: 13.4.1 We have reasonable grounds to believe you engaged in a Prohibited Practice. 13.4.2 You have played with another provider and are suspected of improper activity. 13.4.3 You have "charged back" or denied any payments. 13.4.4 Your continued use of the Services may harm our regulated status. 13.4.5 You become bankrupt or are involved in analogous proceedings.

13.5. Definitions:

* Fraudulent practice includes activities like fraudulent chargebacks, use of unauthorized payment methods, collusion for unfair advantage, false account registration, and any act intended to defraud us.

* Criminal activity includes money laundering and offenses under any relevant law or regulation.

* Unfair advantage includes exploiting software errors, using unauthorized third-party systems, or exploiting errors in the Services.

13.6. We will exercise our rights concerning Prohibited Practices in a fair manner, complying with legal obligations.

13.7. We reserve the right to inform relevant authorities and other gaming operators of your identity and suspected activities.

14. CLOSURE OF YOUR ACCOUNT; TERMINATION OF THE TERMS OF USE

Closure and Termination by You:

14.1. You can close your Account and terminate the Terms of Use by providing at least 24 hours' notice and contacting us via email with reasons for closure, particularly if due to concerns about your usage.

14.2. Upon closure, we will return any remaining balance, subject to deductions outlined below.

14.3. We may withhold funds if related to collusion, cheating, or breach of Terms of Use, or as required by law.

14.4. We will repay your remaining balance using the payment method originally provided during registration or another reasonable method.

14.5. Your Account may be re-opened with the same details if requested, but previous bonuses or winnings will no longer be valid.

Closure and Termination by Us:

14.6. We may close your Account at any time by providing written notice. Any balance will be refunded upon request, subject to paragraph 14.7.

14.7. If your Account is closed due to Prohibited Practices or breach of Terms, the balance is non-refundable and forfeited.

14.8. Certain sections of the Terms of Use will survive the termination, including provisions related to interpretation, game rules, privacy, and legal rights.

Suspension by Us:

14.9. If your Account is suspended:

* No activity (deposits, withdrawals, bets) will be permitted.

* No bonuses or contingent winnings will be credited.

* We will address the issue causing suspension as quickly as possible.

15. ACCESS TO, AND USE OF, THE SERVICES

15.1. You are responsible for maintaining your own equipment and internet access to use the Services. We are not liable for any losses due to service interruptions or poor internet connectivity.

15.2. You must not use the Services in any defamatory, abusive, or unlawful manner, nor behave offensively towards other users or staff.

15.3. The Website is for personal use only. You may not reproduce or provide access to the Website without our consent.

15.4. Downloads from the Website are at your own risk. We are not liable for data loss or damage caused by downloads.

15.5. We may remove offensive content from the Website if we believe it violates our rules.

16. BETTING AND GAMING TERMS

16.1. If you are unsure about the meaning of any expression in the betting and gaming industry, you should:

* Look up the relevant information.

* Contact us for clarification if necessary.

* Avoid placing bets or gaming until you fully understand the terms.

* We are not responsible if you place bets without understanding the terms involved.

17. ALTERATION OF THE WEBSITE

We may alter or amend any product or service available through the Website to ensure its ongoing provision. Restrictions may apply for maintenance or changes to games or products.

18. THIRD-PARTY SOFTWARE

18.1. You may need to download third-party software to use our Services.

18.2. You may enter into a separate agreement with the software provider, but the Terms of Use will prevail in case of inconsistencies.

18.3. We are not liable for any adverse effects on your device caused by the incorrect download of software.

19. IT FAILURE

In case of software or hardware failure, we will take all reasonable steps to remedy the problem. If a game cannot be restarted without detriment to you or others, we will act fairly, including possibly reinstating your account balance.

20. ERRORS OR OMISSIONS

20.1. Several circumstances may cause a bet or payment to be accepted in error. These include:

* Misstated odds or terms due to input errors or computer malfunctions.

* Continuing to accept bets after the market should have been suspended.

* Errors in payouts or bonuses credited to your account.

20.2. In case of an error, we reserve the right to:

* Correct and resettle the bet at the correct price or terms.

* Void the bet and return your stake.

Take steps if the error results from a Prohibited Practice.

20.3. Any funds credited to your account due to an error must be returned upon request.

20.4. We are not liable for any losses, including loss of winnings, caused by errors on our part or yours.

20.5. You must inform us as soon as reasonably practicable if you become aware of any error.

20.6. If you have used funds credited due to an error for subsequent bets, we may cancel such bets and withhold winnings.

21. Exclusion of Liability

* User's Risk: You are using the services at your own risk, and the platform is not liable if you attempt to use the services in ways that are not intended.

* Service Availability: The platform aims to provide services with reasonable skill, but does not guarantee that the website will be uninterrupted, free from bugs, viruses, or errors.

* Liability Exclusions: The platform excludes liability for various losses (e.g., data loss, profit loss, business interruption) unless required by law.

22. Breach of Terms

* Indemnification: You agree to indemnify the platform for any claims or losses resulting from your breach of the terms or unauthorized use of your account.

* Account Termination: The platform can disable your account if you fail to comply with the terms. You may be notified and asked to correct the breach before account suspension.

* Balance Recovery: If you breach the terms, the platform can recover your account balance to cover any claims against you.

23. Intellectual Property

* Ownership: All content on the website is protected by copyright and other intellectual property rights, owned by the platform or licensed by third parties. You are only granted a non-commercial, personal license.

* No Reproduction: You cannot copy, distribute, alter, or interfere with the website’s content without permission.

24. Viruses, Hacking, and Other Offenses

* Prohibited Activities: You must not corrupt the website, gain unauthorized access, flood it with information, or propagate viruses or malware. Any breaches will be reported to law enforcement.

* Limited Liability: The platform is not responsible for any damage caused by viruses or hacking incidents during your use of the site.

25. Personal Information

* Data Protection: The platform stores your personal information securely and complies with data protection laws.

* Data Use: Your personal data may be processed for operating services and shared with third parties for operational needs. The platform may also retain records of communications for accuracy.

26. Use of Cookies

* Cookies Usage: The platform uses cookies to track your internet usage and assist with website functionality. By using the website, you consent to the use of cookies.

* Managing Cookies: If you object to cookies, you can delete or disable them, but this may affect your ability to use certain parts of the website.

27. Complaints and Notices

* Complaints: Any disputes about bets or gameplay must be made within specified time limits (30 days for bets and 12 weeks for games).

* Dispute Resolution: The outcome of games is determined by the platform's random number generator, and its records are final.

* Contacting You: The platform may contact you using your provided contact details for notices. If issues are unresolved, you can escalate your complaint to the licensing body.

28. Transfer of Rights and Obligations

* Platform's Rights: The platform reserves the right to transfer, assign, or sublicense the terms (in whole or part) to any person without notifying you, provided that the new terms are no less advantageous to you.

* User's Restrictions: You are not allowed to assign, sublicense, or transfer your rights or obligations under these terms.

29. Events Outside Our Control (Force Majeure)

* Force Majeure Events: The platform is not responsible for delays or failures in performing obligations due to events beyond its control (e.g., network failures, natural disasters, acts of government).

* Suspension of Performance: Performance is suspended for the duration of such events, and the platform will take reasonable steps to resolve the issue or find alternative solutions to fulfill obligations.

30. Waiver

* No Automatic Waiver: Failure by the platform to enforce its rights does not mean it waives those rights. Users remain obligated to comply with the terms.

* Written Waivers: Any waiver must be explicitly stated and communicated in writing, and waivers for one situation do not apply to future situations.

31. Severability

* Invalid Terms: If a term is found to be invalid or unenforceable by a competent authority, it will be severed from the rest of the terms.

* Amendment: The invalid part will be amended to reflect the platform’s original intent, within the boundaries of applicable law.

32. Entire Agreement

* Complete Understanding: These terms represent the entire agreement between you and the platform, superseding any previous agreements.

* No Reliance on Prior Statements: You and the platform acknowledge that any prior oral or written statements not included in these terms are not legally binding, unless made fraudulently.

33. Third Party Rights

* No Third-Party Beneficiaries: Only you and the platform can enforce these terms. No third party has the right to claim assets, winnings, or other rights related to your account.

* Prohibited Transfers: Users are not allowed to transfer assets (e.g., winnings, deposits, rights) to any third party, either by gift, trade, or legal arrangement.

34. Law and Jurisdiction

* Governing Law: The terms are governed by the laws of Anjouan, ensuring that local regulations are applied.

35. Responsible Gaming/Gambling

* Self-Exclusion: The platform offers a voluntary self-exclusion policy, allowing users to close their accounts or restrict access for a minimum of six months.

* Gambling Guidelines: The platform encourages users to set limits for their gambling, be aware of time spent, and avoid gambling under the influence or as a way to escape financial difficulties.

* Recreation, Not Income: Users should treat gambling as a recreational activity, not a source of income or a method to recover losses.

* Support for Problem Gambling: The platform is committed to promoting responsible gambling, offering guidelines and resources for those concerned about their gambling behavior.

36. Links to Other Websites

* External Links: The platform provides hyperlinks to other websites for information purposes but does not take responsibility for the content or use of these external sites. Users follow such links at their own risk.

37. Contact Information

* Customer Support: The platform can be contacted via email ([email protected]). Note that all calls may be recorded for training and security purposes.