Terms and Conditions

iGame Malta Ltd uses the services of Casino Providers: NETENT MALTA LIMITED / Play'n Go Malta Ltd / Microgaming Europe Ltd / NYX Interactive Malta Ltd
Version 5.0
Date Updated: 10/01/2017

Please read carefully the following terms and conditions (hereinafter referred to as “T&Cs”).

By using the KOLIKKOPELIT Website www.kolikkopelit.com, (hereinafter referred to as the “Website”), you indicate that you accept these T&Cs and that you unconditionally agree to abide by them.

When registering on the Website your registration is made with iGame Malta Ltd., a company registered in Malta having company registration number C44618, and registered office at St. Julian's Business Centre, Level 3, Office 3, Elia Zammit Street, St. Julian's STJ 3153, Malta. These terms and conditions are applicable to you for all matters relating to your account and to any of the games licenced by the Malta Gaming Authority.

We may revise these T&Cs at any time by amending this page. You will be notified of any changes to these T&Cs however it is your responsibility to ensure that you are aware of the latest T&Cs applicable to you. If you are under 18 years of age or do not agree with these T&Cs, you are required to refrain from using the Website. By registering an account, you accept that before using our service you have been provided an opportunity to read and accept these T&Cs.

This document is published in a number of languages for information purposes and for your ease of access. It is only the English version that is the legal basis of the relationship between you and iGame Malta Limited and in case of any discrepancy between a non-English version and the English version of this document, the English version shall prevail.

1. Parties and the Agreement

iGame Malta Limited is a company incorporated under the laws of Malta, having its principal office at ST. JULIAN'S BUSINESS CENTRE, LEVEL 3, OFFICE 3, ELIA ZAMMIT STREET, ST. JULIAN'S STJ 3153, MALTA, having company registration number C44618 (referred as "Kolikkopelit", "Casino", "We", “Our” or "Us").

The T&Cs shall be construed as also incorporating as parties, iGame Malta subcontractors and any third parties used for marketing.

Kolikkopelit is a skin owned by iGame Malta Limited. Any reference to Kolikkopelit within this document shall be construed as referring to iGame Malta Limited
The T&Cs govern the agreement between Kolikkopelit and the user of the service provided by Kolikkopelit (referred as "Member", "Player", "Person", "You", “Your”, "He/She", "They" or "Friend").

The T&Cs also extend to all content including but not limited to emails, blogs, pictures and guest book entries, uploaded by Members on to the website provided by Kolikkopelit.

Kolikkopelit is licensed in Malta and is authorised and regulated by the Malta Gaming Authority (hereinafter referred to as the "Regulator"), which is the regulatory body in Malta, under Licence numbers MGA/CL1/523/2008, MGA/CL1/865/2013, MGA/CL1/1045/2014, MGA/CL1/1046/2014 and MGA/CL1/1044/2014, issued on the 17/11/2009, on the 28/08/2013, on the 23/12/2014, on the 15/04/2015, and on the 22/01/2015 respectively.

You may only participate in games of monetary value if:
1. You are personally registered on the Website; and.
2. You are over 18 years of age; and
3. over the minimum legal age in the territory where you are based when you use the Website.

We reserve the right to close your account if you provide us with false personal details and to forfeit any funds which may be available on your account at the time of termination of your account.

It is Your responsibility to ensure that You understand and abide by all relevant national and international laws governing online gaming. It is your responsibility to ensure that it is legal to participate in online gambling from within your country of residence.

From time to time, certain provisions of these T&Cs may be amended and updated. Notification of each such change will be published on the Website and Your acceptance will be requested. The T&Cs will have to be accepted in order for You to continue having full access to the Website. (Players will retain access to follow prior wagers and retrieve their funds). Changes to the T&C will only come into effect after they are notified to You and accepted by You.

These T&Cs regulate the relationship between Kolikkopelit and the Player, when the latter is using any gaming service provided by the former. Every time You login to Your account with Your personal user ID and password You confirm that You agree with these T&Cs and game rules.

Kolikkopelit reserves the right to assign or otherwise lawfully transfer this Agreement. You may not transfer the rights and obligations outlined in these T&Cs to any other person. Furthermore You are not permitted to transfer Your account to another person.

Kolikkopelit reserves the right to use subcontractors and other partners for general purposes, including without limitation for marketing, marketing research or payment services. You also accept that the guarantees and limitations to liability are extended to subcontractors and other partners of Kolikkopelit.

The computer software, the computer graphics, the Websites and the user interface that we make available to you is owned by Kolikkopelit or its associates and protected by copyright laws. You may only use the software for your own personal, recreational uses in accordance with all rules, terms and conditions we have established and in accordance with all applicable laws, rules and regulations.

Games played on the Website/s should be played in the same manner as games played in any other setting. This means that players should be courteous to each other and avoid rude or obscene comments.

The Company reserves the right to terminate and/or, change any games or events being offered on the Website, and to refuse and/or limit bets.

Please download and/or print a copy of these T&Cs for reference. If You have any queries, please contact us on asiakaspalvelu@kolikkopelit.com.

We reserve the right to close your member account without providing any reason in which case all wagers will be honoured and all winnings will be paid together with any available balance that you may have on the account at the time of termination of the member account.

If You breach any provision of these T&C or Casino has a reasonable ground to suspect that You have breached them, Casino has the right not to open, suspend, close Your Member Account and withhold any money in your account (including the deposits).

2. Eligibility and Direct Marketing

We reserve the right to request a copy of Your identity card or passport and/or any other official personal identification document, together with a contact email or a personal phone number, as we may deem fit, in order to ascertain and verify your age and identity. We also reserve the further right to request further details, such as Your place of residence and/or Your credit card details to verify registered address details and for possible fraud check. Such request for documentation can be made at any time at our sole discretion. If the company holds no previously collected identifying documentation relating to You and You fail to respond to a due diligence request for KYC documentation within one month of the request being made, Your account will be deemed to be registered with a false account. In such situations We reserve the right to close Your account and forfeit any available funds. If You have previously submitted due diligence documentation to us but You fail to respond to a second request, although Your account will not be closed You will be barred from making any withdrawals.

To confirm your identity and residence, We reserve the right to use services provided by a third party for verification of any information and documents submitted to Us.

It is Your exclusive responsibility to ensure that all the information You enter into Your registration form, including Your name, place of residence, date of birth, email address and relevant payment information, are correct, complete and current. You may only register Your own details. You are also required to update Your account information immediately in the event of any changes in the details provided. You are responsible for notifying Us, if there are any changes to the information You have registered with Us. You must contact our Customer Support on asiakaspalvelu@kolikkopelit.com, if You wish to change Your name, user-ID or personal identification number. Additional documentation might be required to register same.

At any time We may ask You submit to Us additional details regarding the information You registered with Us, and You are bound to provide Us with any such details.

You accept that Your personal information is registered and stored in Our customer database.

We may use Our customer database for statistical analysis, marketing or marketing research, which may be conducted by a subcontractor. The collected data may also be used for fraud prevention and resolving system errors.

You accept that We can send information regarding Your account to the email address registered on your account details.

By registering on the Website, You indicate that You are willing to receive promotional communications related to Our products and services. You may refuse at any time any promotional communication from Us by sending a request to our Customer Support at asiakaspalvelu@kolikkopelit.com or choosing the “no newsletter” option from Your account settings.

All the information You submit to Us will be treated as confidential. We will only pass on the above mentioned details if we have your consent in writing to do so and when required by applicable law or court order.

It is prohibited for Players to transfer funds amongst Player accounts.

Your Registration may be Refused or closed at the licensee`s sole discretion but contractual obligations already made will be honored.

3. Login details and KOLIKKOPELIT-account

As a part of the registration process You are required to choose a user name and password for You to log on the Website and use Your account. Your login details become effective when You have completed the registration process and accepted the T&Cs.

You are allowed to have only one account. One Player per household, postal address, email, credit card number, bank account or IP-address, may benefit from the same campaign or offer only once, unless expressly stated otherwise and You are responsible for keeping Your account and Your details up to date.

If you open or attempt to open more than one account, for whatever reason, the Casino will have the right block or close any or all of your accounts. Should the Casino decide to leave one account open, it will be upon the Casino's decision which account will remain open.

We shall not allow registrations from the following countries: Afghanistan, Albania, Alderney, Algeria, American Samoa, Angola, Australia, Belgium, Bulgaria, Burma, Cambodia, Canada, Cuba, Cyprus, Czech Republic, Denmark, Ecuador, Estonia, Ethiopia, France, France Metropolitan, French Guiana, French Polynesia, French Southern Territories, Germany, Gibraltar, Greece, Greenland, Hong Kong, Hungary, India, Indonesia, Iran, Iraq, Ireland, Isle of Man, Israel, Italy, Japan, Jordan, Kuwait, Lao, Latvia, Libya, Lithuania, Macau, Malaysia, Malta, Martinique, Mayotte, Myanmar, Namibia, Nicaragua, Nigeria, North Korea, Northern Mariana Island, Pakistan, Palmyra Atoll, Panama, Papua New Guinea, Philippines, Poland, Portugal, Qatar, Romania, Russia, Réunion, Singapore, South Korea, Spain, Sudan, Syria, Taiwan, Thailand, Turkey, Tunisia, USA, Uganda, Ukraine, United States Minor Outlying Islands, Virgin Islands (US), Yemen, Zimbabw and the United Kingdom. Technical, payment and registration verifications will be applied to enforce these exclusions.

It is Your sole responsibility to ensure that Your user name and password are kept securely and not disclosed to anyone. If You suspect that the security of Your login details may have been breached, You are obliged to inform Us immediately. We reserve the right to temporarily freeze Your account, if We suspect that the security of the account has been compromised. We are not responsible for any abuse or misuse of Your account, whether directly or indirectly, or of Your username and/or password by any third party. You will not be refunded for any losses which may result from such disclosure or abuse.

Your account is for Your personal use only. You may only place stakes on Your own behalf. You may not under any circumstances allow another person or third party to access Your account and to use it for any purpose, and You are not allowed to transfer, sell and/or acquire accounts from other players. You are responsible for all the transactions conducted through your account.

The funds on your gaming account are available for use provided that the gaming account is not frozen, blocked, closed or in the process of being closed. Any bonus amount, which has not fulfilled the wagering requirement set on Terms And Conditions for Bonuses and Campaigns, cannot be withdrawn.

We are not obliged to payout any wins to a Player who has been found taking advantage of any system failure or program error. In the event of a program error, You may be entitled to compensation, which is considered on a case by case basis. If You leave or You are disconnected from the internet during an active game round, Your stakes and cards still participate in the game. All possible wins are affected into player’s account.

You are not entitled to funds, which originate from cheating, game manipulation, fraud, or criminal activity. We reserve the right to restrict and/or terminate Your access to any game service and funds on Your account, if We suspect that You have violated game rules and/or T&Cs.

All wagers and purchases are final. Wagered funds shall not be refunded at any time.

We also reserve the right to verify Your identification and means of payment prior to any transaction. You accept that We will hold any payout until the verification process has been completed to Our satisfaction. We are not liable for any losses incurred by any deferred payout.

You may at any time freeze Your account by sending a request to our Customer Support. You have also the right to request complete closure of Your account choosing the option in your personal page. The effective closure of the Account will correspond to the termination of the Terms and Conditions. In case the reason behind the closure of the Account is related to concerns about possible gambling addiction the Member shall indicate it. We kindly ask You to note that an account which has been closed cannot be re-opened. Furthermore You will not be permitted to register a new account with Us. Any available funds in Your gaming account shall be remitted back to You immediately upon closure of the account excluding any bonuses. Bank transfers may take longer to process and appear on your personal account.

You are obliged to inform Us, if You notice that You can use Our account, after You have received confirmation from Us that Your account has been frozen or closed. However We are not liable for any stakes You have wagered after having requested the freezing or closing of Your account. When You register as a customer, You accept that You are responsible for Your use of the service.

You accept that there may be flaws in the computer systems We use. If You experience a failure or an error in a program, You must immediately refrain from making use of that program and log out from the service. It is also Your responsibility to report any such failure or error to Us at the earliest opportunity. If You experience a program failure or error and fail to report it, We have the right to seek full compensation for any damage or expenses incurred to Us by such failure or error.

We shall treat any breach of these T&Cs as a serious offence and We can take any action which We deem fit and proper against You, to protect Our interests. Kolikkopelit may issue a warning, freeze or close Your account without any prior notification for any such action.

We have the right to refuse the opening of, or to close a Player’s account at Our sole discretion and without any obligation to state a reason or give prior notice. In such event, We will return any payments made or outstanding balances in accordance with the standard payment procedures outlined below. We also have the right to place limits on the deposits or wagers of Our Players in accordance with Our own internal event Risk Management Policies.

After You request the freezing or closure of Your account or after We close Your account You shall no longer be allowed to access Your account or to wager any funds, however any available funds will be remitted to Your most frequently used bank account or card unless any other provision of these terms and conditions allows the company to forfeit funds or to withhold funds pending investigation.


You can deposit money into your account via VISA, Master Card, bank transfer, Skrill, Neteller and other payment options we might have available. Depending on the method selected, deposits can incur charges. For current fees regarding depositing funds, see “Depositing” under FAQ. Your bank may independently charge You for bank wire transfers and other deposit methods. Once the deposit is processed it will be available on your account. In respect of bank transfer, it might take a number of days until funds are approved and cleared by our bank. It is only after such approval that the funds will appear on your gaming account. There is no maximum limit on deposits.

Players that deposit and withdraw funds using the Casino as an intermediary for moving money will not be tolerated. Such players will be addressed on a case-by-case basis and will be required to wager the full deposit. Such behavior can be indicative and may be reported to Anti-Money Laundering agencies. This policy is subject to possible change in the future.

You accept that the funds deposited into Your gaming account are kept at the Kolikkopelit bank account together with other customer funds. The funds will be separated only for the purpose of internal electronic gaming account accountancy. You are prohibited from transferring funds amongst Player accounts. We do not offer credit on Your account, nor do we pay interest on Your deposit. We are not licensed to act as a financial institutional and therefore we are not to be treated as a financial institution in any way, nor can interest be expected on any deposits.

Every time you deposit money, a ‘Know your Client` procedure will be carried out.

Withdrawals from Your Account

Wins and possible refunds of stakes and fees are automatically registered into Your account. You can request payout only to the registered bank account in the manner detailed below. All winnings are paid to the account as soon as the result of a game has been confirmed and the possible checks have been performed.

We accept no liability for any direct or indirect, consequential loss or damage incurred by any user in connection with deferred payout or Our inability to payout winnings. You may not exchange or transfer your winnings. You alone as a beneficiary of a payout are responsible for all possible taxes and charges.

We may conduct identity checks before We process Your first withdrawal. We shall verify Your identity when Your cumulative withdrawal amount reaches EUR 2,300 or equivalent. You will be required to send Us, by email, scanned proof of identity (passport or national card, and in some cases also a bill or a bank statement). This will be retained in line with our Privacy Policy.

Proof of identity, bill, and/or bank statement will be checked in 24-72 hours on business days after receiving the document/documents. After this, the withdrawal process is automatically continued. In case we need more information from You, we will be in contact with You by email.

Before any withdrawals are processed, Your play will be reviewed for any irregular playing patterns. In the interests of fair gaming, equal, zero or low margin bets or hedge betting, shall all be considered irregular gaming. Other examples of irregular game play for bonus play-through requirement purposes include, but are not limited to-placing single bets equal to or in excess of 20% or more of the value of your total balance (including any given bonus) until such time as the wagering requirements for that bonus have been met. Should We deem that irregular game play has occurred, We reserve the right to withhold any withdrawals and/or confiscate all winnings and bonuses.

Withdrawals will be remitted only to the same account from where the funds paid into the players account originated. Where withdrawals are not permissible in the depositing source, the Company shall only accept other withdrawal methods if the Player proves ownership of the new account and provides sufficient evidence to the satisfaction of the Company that withdrawal to the depositing source is not permissible. The Company may at its own discretion ask the Player to provide full KYC documents once again. Players who attempt to abuse of this allowance shall not be tolerated and may be reported to the authorities.

Credit / debit card payout requests are only to be processed to the card/s that have been used to deposit. Should You have more than one registered credit/ debit card, the payout will be processed to the credit/ debit card from which You deposited. If withdrawals are not permitted to the card which You used to make the deposit then the withdrawal must be made to the card or bank account which is the second most frequently used in the past six months and associated with Your Account or in the case where there is no other card or account associated with the account, you may add another medium by providing full KYC proving ownership of the new card or account to be added. The system will not allow withdrawals to any other card.

Bank transfer pay-out requests may only be made to the same account number used to deposit money. We are not in a position to commit ourselves on the exact time when You will receive the withdrawal. This will depend on the bank used by You. While in most cases this is immediate to 24 hours in the case of approved banks, withdraws to other non-approved banks can take up to 10 days. On our part however we will endeavour to process the withdrawal request immediately so as to minimise time delays.

The credit/ debit card transaction usually takes between 3 to 5 working days.

The minimum payout amount is €5 (five Euros). For payouts under €30.00 (thirty Euros) Kolikkopelit reserves the right to charge a transaction fee of €2.00 (two Euros). There is limit of €3 000 per day which Player can withdraw if not otherwise agreed.

3.1 Inactive/ Dormant Accounts

You can set your account's deposit and wagering limits if You wish to have better control over your own spending. The same procedure can be used to 'self-exclude' yourself from betting on the Website for a set time. See our Responsible Gambling Policy.An account shall be considered inactive if there have been no transactions made on it (deposits, withdrawals or bets) over a period of 12 months.

Our inactive accounts policy is as follows:

  • If your account becomes inactive, we shall be sending a reminder on the 12th month to your registered email address prompting you to re-activate your account or request a withdrawal.
  • If you fail to re-activate your account within 30 days, an inactivityfee of 5 EUR shall be charged monthly for each of the next 18 months (months 13 through 30).
  • Should you re-activate your account before the end of the inactivity period, you are entitled to having the inactivity fees refunded to your account.
  • Failing to reach You within the specified dormancy period we will close your account and remit the account balance to You, we shall clear the dormant account remitting the funds to the Regulator.
  • If no transaction has been recorded on a player`s account for Thirty Months the Licensee has the right to close your account

If you wish to recover any legitimate funds held in a closed, blocked, or dormant account, please contact customer service by email stating your Player username, the reasons for current account status and actions that need to be taken. Your request will be processed in line with the standard payment procedures outlined above.

4. Policies


Bets may be declared void at Our discretion, including in, (but not limited to), the following situations:

  • Where the bet relates to a cancelled event; Multiple bets will be re- calculated excluding the event that was abandoned;
  • Where the bet relates to an event which has not commenced 36 hours after the scheduled start time;
  • If the result of an event becomes publicly known before the end of the event;
  • If there is any transmission error or other technical issue;
  • Where there is suspicion of fraud;
  • If the bet is accepted after the beginning of a race, a game or an event;
  • If the actual date or time of the bet or necessary personal data of the betting client are missing due to transmission errors.

 In such cases, the stakes will be transferred back to your account.

Using the gaming software

You accept that Our products and services are provided to You "as is" with any faults or failings, and any representation, warranty, condition or guarantee whatsoever, express or implied, is excluded to the fullest extent permitted by the Laws of Malta.

By participating in Our online games You recognize and accept the limits inherent in any connection over the internet, particularly:

  • longer response times and interruption risks over remote channels;
  • the importance of using secure connections (HTTPS);
  • the risks associated with computer virus infections.

We shall take all reasonable steps to ensure that Our system enables any player whose participation in a game was interrupted by a failure of Our computer system, or the telecommunications system, or the Player's computer system, to resume, on the restoration of the system, his or her participation in the game as at the time immediately before the interruption took place.

If Our computer system fails to restore the game having been interrupted, we shall (a) ensure that the game is terminated; (b) refund the wager amount to the Player; c) inform the Regulator of the circumstances of the incident if it occurred through the failure of our computer system. In the event of any such system failure, Our liability to You shall be limited to the wager amount.

We shall reserve the right to correct any apparent mismatches resulting from technical failures such as erroneous account transactions, and to commit any amendments necessary to reflect outside changes such as corrections to match results.

Whilst We shall do our best to ensure the stable, secure and accurate functioning of Our computer system, We shall not be liable to You for:

  • any loss whatsoever arising from the use, misuse or abuse of Your account or any of Our products and services which are beyond Our control;
  • any cyber attacks or viruses affecting Your computer system and impacting on Your use of any of Our products and services;
  • the accuracy, completeness or currency of any information services such as indicative prices, fixtures, live scores, results or any statistics.

You may not use automated game bending systems (known as 'robots') which shall be considered a form of fraud. Fraud shall include, without limitation, payment with stolen bank cards or vouchers, using compromised e-wallet access, player collusion, chip dumping, provision of false registration data and document forgery.

Privacy Policy

We shall adhere to the Data Protection Directive (EC Directive 95/46/EC) and the Electronic Communications Privacy Directive (EC Directive/2002/58/EC) with regard to the processing of your personal data and the protection of such data by digital means.

We are registered with the Data Protection Commission of Malta and will provide players with a Subject Access Report upon request in line with the Commission’s guidance. Contact Our customer service on asiakaspalvelu@kolikkopelit.com if You wish to know more.

The following personal information will be required at registration and stored on the database:

  • First name and last name
  • Residential address
  • Email address
  • Telephone number

 The following documents will be requested for account verification and kept on file:

  • Scanned valid copy of passport or national ID card
  • Scanned copy of utility bill or bank statement (max. 3 months old from issuing date)

 We aim our best to ensure that at all times personal data is:

  • obtained only for a specific and lawful purpose;
  • adequate, relevant and not excessive to its purpose;
  • processed fairly and lawfully;
  • accurate and updated;
  • kept in a secure manner;
  • not kept longer than is necessary for its purpose (subject to regulatory controls).

We may disclose personal data:

  • when such information is requested by the Regulator;
  • when ordered to do so under applicable law;
  • when an account comes under a fraud case investigation either by us or our business associates.

We do not keep and save Your credit card details and We do not sell personal data. By accepting these T&Cs You consent to the transfer of Your personal data as required to provide our services to You.

When You register with Kolikkopelit You will be required to ‘opt in’ to the transfer of personal data to our partners and service providers which are necessary to be able to offer You a gaming experience.

Therefore You authorize Kolikkopelit to provide Your data to its employees and third parties which require such data strictly for the provision of the games and related services to You.

Your personal data will not be disclosed to third parties, unless such disclosure is necessary for the processing of your requests in relation to your participation in the Games or unless it is required by law. As our business partners or suppliers or service providers may be responsible for certain parts of the overall functioning or operation of the Website, personal data may be disclosed to them. Employees, in specific customer support, the payment team and other employees shall also have access to your personal data for the purpose of executing their duties and providing you with assistance and the service. You hereby consent to such disclosures.

We will use your personal data to allow you to participate in the games and to carry out operations relevant to your participation in the games. We may also use your personal data to inform you of changes, new services and promotions that we think you may find interesting. If you do not wish to receive such direct marketing data, you may opt out of such service (please refer to your browser instructions as to how to do this).

You also agree that if You win substantial prizes by playing our games, We may use Your first name, age and residential city in Our promotional material.

We apply encrypted communications whenever personal data is transferred over the internet. Access to all sensitive data that is stored by Our system is strictly controlled through technical and operational controls.

We may process personal data for customer relationship management such as email messages featuring news and offers unless You “opt out” of receiving such materials.
Our customer database uses state-of-the-art cryptographic hash functions for storing player account passwords. This measure secures Your account access against any possible outsider or insider attacks.

In order to make Your visit to the Website more user-friendly, to keep track of visits to the Websites and to improve the service, Hertat.com collects a small piece of information sent from Your browser, called a cookie. By agreeing to these terms and conditions you are hereby authorising Hertat to collect information from cookies. You can, if You wish, turn off the collection of cookies (please refer to Your browser instructions as to how to do this). You must note, however, that turning off cookies may restrict Your use of the Websites. Other purposes for which cookies may be useful are listed below:

  • to maintain a user session necessary to authenticate You on our servers and to accept the instructions pertaining to Your account;
  • to identify Your preferred language and use this in the delivery of web content that You request;
  • to analyze site traffic in order to work out trends and further improvements.

Responsible Gaming Policy

You may choose to exclude yourself from using any of the services of KOLIKKOPELIT, during any period of time, by contacting our Customer Care team via asiakaspalvelu@kolikkopelit.com. During the period when you have chosen to exclude yourself, You will not be able to access your account.

You may also choose to impose the maximum loss you may make on a daily, weekly and monthly basis when setting up your account. Deposits will be blocked if the limit set is exceeded.

You may by written or electronic notice request to be excluded from playing or set a deposit limit per transaction, per session, per 24 hour period, per week and / or month. You may do this by either writing to our customer support email address or you may also set your limits through the Website. You may change or revoke the exclusion / limit by written or electronic notice. A notice reducing the exclusion or removing/increasing the deposit limit has effect only after seven days after receipt of the notice. A notice increasing the exclusion or decreasing the deposit limit has effect immediately after receipt of the notice.

Anti-Money Laundering (AML) Policy

It is unlawful to deposit money for ill-gotten purposes and/or derived from ill-gotten means.

We have a strict policy against money laundering. Any criminal or rule violating activity (Fraud) is prohibited and may lead to the player account being closed and its balance forfeited.

Fraud shall include, without limitation: paying with stolen bank cards or vouchers, using compromised e-wallet access, player collusion, chip dumping, provision of false registration data, document forgery.

We will use technical and human resources to check all transactions and prevent money laundering through:

  • Applying the payment constraints;
  • Monitoring player transactions;
  • Monitoring the opening of linked player accounts;
  • Keeping an audit trail of changes effected on player accounts.

We may decide to lock Your account whenever we have reason to suspect that it has involvement with Fraud. Until Our investigations are complete and the Fraud case is cleared, We may continue to freeze the account.

Disclaimer. We may report any suspicious transactions to the Regulator allowing them to inspect player account data for the purpose of further investigation and final ruling.

5. Terms and conditions for bonuses and campaigns

Certain provisions laid down in this section refer to the rules, terms and contractual provisions for specific games, which are found in a separate bonuses and wagering page. The rules linked to from this page form an integral part of these T&Cs and You shall be deemed to have accepted the special rules upon accepting the T&Cs.

Refer a Friend – Special Rules

In order to benefit from Our Refer a Friend program You must have an account with Us. Before Your "Friend" can receive the welcome bonus he/she needs to register an account and respond to the verification message. There is only one welcome bonus per person. The bonus terms and conditions outlined above extend to any bonus money You or Your referred friend may receive as part of the Refer a Friend bonus program.

You will receive the bonus from your "Friend" only if a Refer a Friend code has been entered when making the first deposit. If We are required to refund the first deposit back to Your friend due to cancellation of the deposit, You may lose Your right to benefit from Our future bonus and campaign offers.

We reserve the right to block participation of any of Our customers to the Refer a Friend program. We may also suspend any bonus payout to a customer who have been found breaching or manipulating the rights of the Refer a Friend or any other bonus program. If We suspect, for instance, that the customer has sent mass emails in order to refer friends to Our site, We will close the customer’s account with immediate effect and void all bonus payments to the account.

Free Spins – Specific Rules

When a deposit is made in order to claim Free Spins, the deposited money is subject to a 1x wagering requirement.

Free spins are meant be used in the same spirit that they were granted.

Free spins are valid for a limited period only. You may not redeem or exchange the free spins real or bonus money.

Depending on the campaign rules free spins are specific to a certain game.

Depending on the campaign terms and conditions wins from the free spins are added to Your real money balance or bonus balance.

Any Customer who fails honour the General Terms of Use will lose his/her right to the free spins and they will be removed from his/her account.

6. Other Terms of Use

Only people are permitted to play on Our site. Artificially-intelligent programs, processes, applications and all other forms of software and hardware – including those commonly referred as “Bots” or “Auto Folders” – are prohibited from making game decisions or taking game action on Our site, whether autonomously or under the supervision of any person. Furthermore, use of intelligence programs, which use shared data collected by other players to compile player profiles in a database and therefore can provide an unfair advantage for a Player, is prohibited. Transmitting any data or sending or uploading any material that contains any viruses, Trojans, worms logic bombs, spyware, data mining tools is strictly forbidden.

You accept that We or Our authorized partners may access Your computer to see if EPA-programs or other prohibited programs are running. We will only be looking for these programs and robots. It is in Our collective interest to ensure safety and integrity of Our games and this is part of the security We offer our players.

In the event of dispute, any decisions taken by Us or Our partners are final. After submitting Our final verdict We will not engage in any further correspondence regarding the verdict or interpretation of Our rules.

The employees or management of Our partners, subcontractors, service providers, licensors and affiliates are not permitted to take advantage of Our campaigns and offers. This condition is extended to the family members of any of the afore-mentioned group of people.

We reserve the right to withhold any information about Our campaigns or offers from any person, who has been found breaching Our T&Cs. Furthermore We reserve the right to report any person, who has been breached Our rules, to Our service providers. Any Player, who has been found violating these T&Cs or abusing bonus campaigns, may as a consequence lose his membership in all sites which use services provided by Kolikkopelit. If a person, who has been refused the right to register an account, attempts to register another account, such new account shall be considered void within one second after it was opened. An account, which has been found in breach with this condition, is invalid and the holder is only entitled to a withdrawal for an amount equal to the original deposit.

You expressly understand and accept that We are not liable for any direct or indirect damage incurred by You, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; or for any other loss or damage of any kind, which may be incurred by:

  • use of the service or the service not being available ;
  • any claim by another user against you;
  • unauthorized access to your personal data;
  • any other condition relating to the service.

We expressly disclaim and reject any liability and responsibility for any direct, indirect or damage incurred by any user in connection with our Website or offering the service, functionality, quality, possible flaws such as spelling mistakes, programming errors and other conditions relating to the service. Our liability for any damage or loss is limited to EUR 1000.

We are not liable for any damage or loss incurred by You as a result of force majeure or any such condition, which affects Us and unreasonably complicates Our capacity to provide the service.

All Chat Rooms are Moderated and all Conversations are logged and recorded. Collusions through the use of chat rooms or separate chats are Prohibited. If any Chat rooms are being abused of, the licensee reserves the right to remove them. Any suspicious chats will be reported to the Authority.We reserve the right to suspend or limit Our service, when encountering force majeure or other unforeseen conditions independent from Us, which prevents, delays or unreasonably complicates the provision of the service.

We are the owner or the licensee of all intellectual property rights in our Website and in the material and software published on it. You must not reproduce, duplicate or copy any of the content, including but not limited to text, images and computer programs. Any rights not expressly granted herein are reserved.

The name “Kolikkopelit” and the associated logos and marks used on the Website are registered trademarks belonging to Us. You have no right to use any of the names, logos or marks without Our prior written consent.

Complaints and disputes

If You have any cause to complain about anything relating to Your experience with Our products and services, please let Us know by contacting customer service on asiakaspalvelu@kolikkopelit.com. Please be sure to include any appropriate evidence and Your complaint will be dealt with as quickly as possible by Our professional support operators.

If a complaint is not resolved to Your satisfaction through Our complaint procedure, You can complain to the Malta Gaming Authority at Malta Gaming Authority, Suite 1, Level 3, TG Complex, Brewery Street, Mriehel, Birkirkara, BKR 3000, Malta, +356 21316590/1/3/4 and support.mga@mga.org.mt.

All disputes regarding our T&Cs will be settled according to the Laws of Malta.