KINGSWIN.COM TERMS & CONDITIONS Effective Date: 12st December 2023 Kingswin Online OÜ’s Portal Rules for Kingswin.com

Kingswin Online OÜ, an Estonian company with registry code 11535738 and headquartered at Harju maakond, Tallinn, Kesklinna linnaosa, Vesivärava tn 50-301, 10152 (referred to as “KWO”), organises gambling via the www.kingswin.com website (hereinafter the Kingswin.com or Website) bearing the Kingswin trademark.

The gambling organised by KWO on the Website includes casino games whereby bets are accepted from and winnings are paid to customers via telecommunications.

Licenses: The Tax and Customs Board granted KWO the activity license no. HKT000017 on 7th August 2012, authorizing the organization of games of chance. A subsequent license, no. HKL000425, was issued by the Tax and Customs Board on 12th June 2023, permitting KWO to organize remote gambling games of chance. Kingswin Online OÜ Game Providers and Licensing Kingswin Online OÜ (KWO) manages a diverse range of casino games on the Kingswin.com Website, each powered by various esteemed software providers. All games are provided under the Kingswin Online gaming license and are regulated by the respective Authority. 1. General Provisions 1.1. Account Creation

1.1.1. When creating a gambling account on Kingswin.com, the Customer agrees to and is bound by these terms and conditions (hereinafter the Rules). By registering, both the Customer and Kingswin Online OÜ (KWO) enter into a service agreement based on these terms.

1.1.2. To begin playing, the Customer must register with their email, set a password, and accept the Terms and Conditions while confirming they are of legal age.

1.1.3. For Estonian residents, only individuals aged 21 and above can participate in casino games offered by KWO. For residents of other jurisdictions, individuals aged 18 and above can participate where it is legally allowed. If an account holder is found to be underage, any bets or winnings will be voided, and the deposited amount will be refunded, minus any applicable fees. The account will then be suspended.

1.1.4. Customers must provide accurate and complete personal information when registering on the Website.

1.1.5. Creating multiple accounts on Kingswin.com is strictly prohibited. If a user is found to have created duplicate accounts, all associated accounts will be immediately suspended.

1.1.6. Each account is personal. Only the registered individual can access and use it. Kingswin.com is not liable for unauthorized access or misuse by third parties. Customers must keep their login details confidential. If security is compromised, the Customer should notify KWO immediately.

1.1.7. Multiple account holders from the same household or family cannot place bets on identical outcomes or use them in combination to circumvent Rules or exceed betting limits.

1.1.8. KWO reserves the right to void bets if there’s evidence of collusion or syndicate betting.

1.1.9. Customers cannot place bets on behalf of others or use other individuals’ accounts. KWO can void such bets.

1.1.10. Customers are responsible for ensuring the accuracy of their personal and contact details. KWO may request additional verification details as needed.

1.1.11. By registering, Customers can opt in to receive promotional emails from KWO regarding the brands operated by either KWO or its partners. They can opt out at any time by accessing their account settings on the Website, clicking the unsubscribe link in the promotional email, or by contacting support@kingswin.com

1.1.12. Communications sent to the email or postal address provided by the Customer are deemed delivered once sent. 1.2. Financial and Regional Regulations

1.2.1. Kingswin.com doesn’t accept Customers from certain prohibited territories, including but not limited to:

Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Bosnia and Herzegovina, Botzwana, Bouvet Island, British Indian Territory, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Cabo Verde, Cayman Islands, Central African Republic, Chad, Chile, China, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo, Democratic Republic of the Congo, Costa Rica, Cote D’Ivoire, Croatia, Curaçao, Cuba, Czech Republic, Darussalam, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Ethiopia, Falkland Islands (Malvinas), Faroe Islands, Fiji, France and its overseas territories, French Guiana, French Polynesia, Gabon, Gambia, Georgia, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bisau, Guyana, Haiti, Heard Island and McDonald Islands, Holy See (Vatican City State), Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iran, Iraq, Isle of Man, Israel, Italy, Jamaica, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kyrgyzstan, Lao People’s Democratic Republic, Latvia, Lebanon, Liberia, Libya, Liechtenstein, Lithuania, Macau, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Mali, Marshall Islands, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar, Namibia, Nauru, Netherlands, Nepal, New Caledonia, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, North Korea, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn, Poland, Portugal, Puerto Rico, Qatar, Republic of the Congo, Réunion, Romania, Russian Federation, Rwanda, Saint Barthélemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Martin (French part), Saint Pierre and Miquelon, Samoa, San Marino, Sao Tome and Principe, Senegal, Serbia, Seychelles, Singapore, Sierra Leone, Sint Maarten (Dutch part), Slovakia, Slovenia, Solomon Islands, Somalia, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Svalbard and Jan Mayen, Swaziland, Sweden, Syrian Arab Republic, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States of America, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Virgin Islands, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.

1.2.2. Customers are responsible for any taxes or fees on their winnings. 1.3. Account Verification

1.3.1. By registering, Customers consent to third-party verification checks to confirm identity and other details, in line with data protection laws.

1.3.2. Verification requires uploading a scanned copy of a valid ID and a real-time selfie.

1.3.3. Successful verification results in email confirmation, after which Customers can play using real money.

1.3.4. If verification is unsuccessful or refused, KWO can suspend the account. Deposits made prior will be refunded, minus any transaction costs. 1.4. Responsibility and Fair Play

1.4.1. KWO provides its services on an “as-is” basis without any warranties. KWO’s liability for losses arising from unforeseen circumstances is capped at the average account balance over the preceding six months.

1.4.2. Bets may be voided in instances of evident errors, technical issues, or discrepancies in odds or pay-tables. Game malfunctions may result in voided bets, and any funds acquired from such malfunctions may be be nullified.

1.4.3. KWO is not responsible for losses resulting from external factors beyond its control, including but not limited to natural disasters, wars, civil unrest, acts of terrorism, internet interruptions, or government actions. In the face of such force majeure events, KWO may temporarily suspend or terminate its services without prior notification.

1.4.4. Customers engaging in fraudulent activities, collusion, or any violations of the Rules may face account suspension, forfeiture of winnings, and potential legal actions. 1.5. Privacy and Intellectual Rights

1.5.1. KWO respects Customers’ data privacy and adheres to data protection laws. All data is encrypted to prevent unauthorized access. More details are available in our Privacy Policy.

1.5.2. If a Customer wins a significant amount, they agree to participate in any promotional event arranged by KWO. While personal data is protected, KWO reserves the right to use first names and initials of the last name for promotional announcements.

1.5.3. Intellectual property rights for Kingswin.com content belong to KWO or its licensors. Customers aren’t granted any rights to this intellectual property. 1.6. Dormant Accounts

1.6.1. Accounts that remain inactive for a period of 12 months will be considered “dormant.” To maintain the integrity and security of our platform, KWO may reallocate funds from such dormant accounts.

1.6.2. If Customers resume activity after the onset of dormancy, they can request a refund of the positive balance by contacting Kingswin.com customer support. 2. Financial Transactions 2.1. General Transaction Terms and Conditions

2.1.1. Customers can manage their deposits and withdrawals via their Kingswin.com wallet. A complete list of all available payment methods, along with their associated details, can be found on our Website’s Payments Information Page.

2.1.2. KWO reserves the right to set the reference exchange rate between EUR and other currencies for the purposes of payment limit specifications, bonus conditions, marketing materials and other Website content.

2.1.3. All financial transactions must be made using financial instruments (credit card, bank account, e-wallet, cryptocurrency wallet) registered solely in the Customer’s name.

2.1.4. Direct transfers between different Kingswin.com accounts are prohibited.

2.1.5. All winnings are credited to the Customer’s Kingswin.com account.

2.1.6. Betting on credit is prohibited. If funds are mistakenly credited to a Customer’s account, Kingswin.com has the right to reverse the transaction. If the balance becomes negative post-correction, the Customer must promptly repay the erroneously credited amount.

2.1.7. Kingswin.com reserves the right to limit the number of free transactions over a specific period.

2.1.8. Credit and financial institutions might charge fees for transactions. Customers are responsible for reviewing these terms independently.

2.1.9. KWO conducts thorough checks on all transactions to prevent money laundering. KWO may suspend accounts and withhold funds in compliance with the Prevention of Money Laundering Act. Enhanced due diligence may be applied to withdrawals of unused funds. More information can be found in our Anti-Money Laundering Policy. 2.2. Deposits

2.2.1. Deposits to Kingswin.com wallet can be made via credit card, bank transfer, e-wallets, prepaid cards, or cryptocurrency.

2.2.2. The minimum deposit amount is €10 or its equivalent in other currencies. 2.3. Withdrawals

2.3.1. Withdrawals will be processed using the same method as the original deposit.

2.3.2. Kingswin.com may set withdrawal limits based on payment methods. Details are available on the Website’s Payment Information Page.

2.3.3. The minimum withdrawal amount is set at €20 or its equivalent in other currencies. If the Customer chooses to withdraw funds without meeting the minimum withdrawal amount requirements, the associated payment system’s transfer fee will be deducted.

2.3.4. KWO reserves the right to set a monthly withdrawal cap at €5,000 or its equivalent in other currencies. However, this limit may be increased for select Customers at KWO’s discretion.

2.3.5. KWO services are strictly for entertainment purposes. KWO reserves the right to impose a minimum x1 wagering requirement on deposited funds if a Customer is suspected of misusing KWO services. If a Customer chooses to withdraw funds from his account without meeting the deposit wagering requirements, the associated payment system’s transfer fee will be deducted.

2.3.6. All withdrawal requests undergo our security verification. Occasionally, this might cause slight delays.

2.3.7. To avoid delays, customers should use the same method for withdrawal as they did for deposits and ensure all provided information is accurate and complete.

2.3.8. For credit card withdrawals, photos of both sides of the card (showing only the first 6 and last 4 digits, with the hidden CVV code) are required. 3. Enhanced Verification Procedures 3.1. Verification Requirements At Kingswin.com, we are committed to maintaining a safe and secure gaming environment. To ensure the integrity of our platform and to comply with regulatory requirements, we may occasionally require additional documentation from our Customers. 3.2. Situational Verification Based on certain transactional behaviors, we may request additional documents from our Customers regarding to: Proof of Address Proof of Payment Account Ownership 3.3. Proof of Address For proof of address, the following documents are accepted: A recent utility bill (e.g., electricity, but not a mobile phone bill), not older than three months. Electronic bills are accepted. A bank or credit card statement, not older than three months and covering a three-month period. A residential insurance policy. A screenshot from Estonian resident portal, eesti.ee 3.4. Proof of Payment Account Ownership For proof of payment account ownership, the following documents are accepted: A bank or credit card statement, where personal information is shown. A set of photos of both sides of the credit card showing only the first 6 and last 4 digits, and with the hidden CVV code. A screenshot of the e-wallet or cryptocurrency wallet with personal information. 3.5. Enhanced Verification In situations where there are unusual or suspicious patterns in account holder’s activity, we may require further documentation or information to verify the legitimacy of the Customer’s activities. This is to ensure the safety of our platform, to protect our Customers and to comply with anti-money laundering regulations. For more information, please refer to our Anti-Money Laundering Policy. 3.6. Non-compliance Consequences If the Customer doesn’t provide the required documents within 30 days of receiving a notice from Kingswin.com, KWO reserves the right to nullify any winnings, refund the deposit (minus applicable fees), and suspend the account. 4. Bonuses 4.1. General Bonus Terms & Conditions

4.1.1. KWO occasionally extends bonus offers related to its services. All offers provided to a Customer are personal and intended solely for the recipient unless stated otherwise.

4.1.2. Bonuses are restricted to one per account, household, IP address, and shared computer spaces (e.g., offices, libraries, universities).

4.1.3. The minimum deposit required to qualify for a bonus is €20, unless indicated otherwise in the terms of the specific bonus.

4.1.4. Bonus funds and associated winnings can’t be withdrawn until all respective bonus conditions are met.

4.1.5. All bonus funds and their associated winnings must be wagered a specified number of times. The wagering requirement is thirty (30) times the bonus amount unless specified otherwise in the respective bonus terms.

4.1.6. Bonus funds and their associated winnings must meet the wagering requirement within 30 days, unless specified otherwise in the bonus terms.

4.1.7. Customers can remove any bonus before meeting its wagering requirements. Removing a bonus will nullify the bonus funds and any winnings tied to the bonus.

4.1.8. Funds deposited in association with an active bonus, for which the bonus requirements haven’t been met, cannot be withdrawn. To request a withdrawal of their deposited amount, customers must first remove the active bonus.

4.1.9. During bonus wagering, Customers are restricted to a maximum bet of €1 or its equivalent in other currencies per game round or bet. Exceeding this limit may void the bonus and related winnings.

4.1.10. Different games contribute varied percentages towards wagering requirements. Game Contribution Breakdown: Slots: 100% contribution to wagering requirements Video poker: 10% contribution to wagering requirements Table games: 10% contribution to wagering requirements

4.1.11. Some games such as games with progressive jackpots or accumulating bonus games are excluded from bonus wagering or contribute at reduced rates. Customers will be notified within the game if that specific game can’t be played using bonus funds.

4.1.12. Bonuses expire after a specified number of days from receipt, as detailed in the respective bonus terms. Bonus funds and any associated winnings will be removed once the bonus expiry date is reached and the bonus conditions haven’t been met.

4.1.13. Bonuses aren’t paid out to suspended Kingswin.com accounts.

4.1.14. If bonus terms or the Rules are breached, or there’s evidence of a series of bets by a Customer or group ensuring a profit due to bonuses, free spins, or other offers, KWO can revoke the bonus. 4.2. No-Deposit Bonuses

4.2.1. No-deposit bonuses are exclusively available to residents of Estonia.

4.2.2. Customers using disposable email addresses are not eligible for no-deposit bonuses.

4.2.3. The maximum payout from a free bonus or free spins given without making a deposit is €50 or its equivalent in other currencies. Winnings that exceed this limit will not be counted. This restriction remains even after meeting the wagering requirement, ensuring that the maximum withdrawal from funds associated with a no-deposit bonus remains €50 or its equivalent in other currencies.

4.2.4. Before any funds or winnings from no-deposit bonuses can be withdrawn, a minimum of €10 or its equivalent in other currencies must be deposited into the Customer’s account. 5. Responsible Gaming 5.1. Commitment to Responsible Gaming KWO’s primary goal is to offer our Customers a safe and entertaining gaming environment. Kingswin.com is equipped with features that promote responsible gaming, including setting wager limits, self-exclusion options, recognizing dependency issues, and parental controls. For detailed advice and information, please visit our dedicated Responsible Gaming Section. 5.2. Age Restrictions In Estonia, the minimum age requirement to participate in KWO’s games is 21. Customers from other jurisdictions must adhere to their regional gambling age. KWO employs electronic age verification methods. Any Customer found to be underage by KWO will have winnings voided and may be reported to the relevant authorities. 5.3. Transaction History Customers can access a comprehensive record of their transactions, deposits, and withdrawals when logged in. 5.4. Gaming Limits

5.4.1. Customers have the option to set daily, weekly, or monthly limits on: Deposits Wagers Losses

5.4.2. Reducing or setting a new gaming limit will take effect immediately.

5.4.3. To revoke or increase the gaming limit, Customers must confirm their request at least 48 hours after making it.

5.4.4. Changes to the gaming limit will be applied only after confirming the initial request. 5.5. Maximum Session Duration

5.5.1. Customers can set a maximum duration for their gaming session.

5.5.2. Reducing the maximum duration or setting a new session limit will take effect immediately.

5.5.3. To revoke or increase the maximum session duration of the session control, Customers must confirm their request at least 48 hours after making it.

5.5.4. Changes to the session control will be applied only after confirming the initial request. 5.6. Cool-off Period

5.6.1. Customers can opt for a cooling-off period of up to 6 months, during which they can’t make any deposits or play for real money.

5.6.2. Increasing the duration or setting a new cool-off period will be effective immediately.

5.6.3. To revoke or reduce the duration of the cool-off, Customers must confirm their request at least 7 days after making it.

5.6.4. Changes to the cool-off period will be applied only after confirming the initial request. 5.7. Self-Exclusion Period

5.7.1. Customers can self-exclude, preventing access to their account for up to a year.

5.7.2. Setting a new self-exclusion period will be effective immediately.

5.7.3. To revoke the self-exclusion period, customers should contact Kingswin.com customer support and confirm their decision between 7 and 14 days after the initial request.

5.7.4. Changes to the self-exclusion period will be applied only after confirming the initial request. 5.8. Gambling Restriction via HAMPI

5.8.1. Estonian residents can also request a gambling restriction through the Estonian Tax and Customs Board (EMTA).

5.8.2. Individuals on EMTA’s gambling restriction list (HAMPI) are denied access to KWO services for the duration of the restriction.

5.8.3. Non-Estonian residents cannot use HAMPI for setting a gambling restricton and must utilize the responsible gaming features available on the Kingswin.com website to set their limits. 5.9. Gaming Control Discrepancies If Customers identify any inconsistencies in the responsible gambling limits, they must notify KWO immediately. KWO will not be held accountable for bets bypassing these limits, and no compensation will be provided for such instances. 6. Rule Interpretation and Modifications 6.1. Rule Supremacy In the event of discrepancies or ambiguities in the interpretation of the Rules, the Estonian version shall prevail. 6.2. Jurisdictional Compliance Customers are responsible for ensuring their activities align with the laws of their jurisdiction. If remote gambling is prohibited in a Customer’s residence, they must refrain from registering or using Kingswin.com services. 6.3. Rule Amendments KWO reserves the right to unilaterally amend these Rules for reasons including, but not limited to, legal compliance, clarifications, or fraud prevention. Any changes will be communicated via the Website, providing Customers a reasonable period (at least two weeks) to terminate their agreement if they disagree with the modifications. Failure to terminate within this period implies acceptance of the changes. 6.4. Rule Validity Should any provision of these Rules be deemed invalid or unenforceable due to legal or regulatory reasons, it will not impact the validity of the remaining provisions. 7. Settlement of Customer Complaints 7.1. Submission Timeframe All complaints and claims must be submitted within 14 days from the date the issue arose. Complaints received after this period will not be considered. 7.2. Contact for Complaints Complaints and claims should be directed to support@kingswin.com. 7.3. Resolution Timeframe

7.3.1. Customer complaints submitted to KWO will be addressed within a reasonable timeframe, but no later than two weeks. The Customer will be notified of the resolution via email.

7.3.2. If the complexity or other significant factors prevent KWO from resolving the complaint within the initial time frame, the Customer will be informed about the reasons for the delay and provided with a new estimated resolution deadline.

7.4. Escalation of Unresolved Complaints If the resolution provided by KWO is unsatisfactory to the Customer, they have the option to escalate their complaint to the Estonian Consumer Protection and Technical Regulatory Authority or the Estonian Tax and Customs Board.