Terms and Conditions for Mutual Betting

Last updated on 04.06.2025

TERMS AND CONDITIONS FOR MUTUAL BETTING ARRANGED BY BUKMACHERSKA Sp. z o.o. THROUGH THE INTERNET

These Terms and Conditions govern the organization of mutual betting by BUKMACHERSKA Spółka z o.o., based in Warsaw, and are introduced pursuant to Article 60 of the Act of November 19, 2009, on gambling games.

Definitions

§1

1. Player – a registered participant of the Bets, with access to the application enabling the placement of Bets, who has a registered Temporary Account or Permanent Account.

2. Communications – binding informational messages for the Player and the Company, posted on the Website, containing detailed information on issues that may be regulated in this manner in accordance with the Terms and Conditions.

3. Account – an individual account of the Player, set up by the Company after registration under the terms specified in the Terms and Conditions. The Player's Account may be a Temporary Account or a Permanent Account.

4. Betting Slip – an electronic confirmation of the concluded Bet – proof of participation in the mutual betting, containing necessary information about the Bets placed by a given Player.

5. Odds – a number determined for a given outcome of an Event, used to calculate the winnings in the case of correctly predicting such an outcome. Each Event in the bookmaking offer has assigned Odds, which are used to calculate the winnings.

6. Bank Account – a payment account belonging or co-belonging to the Player, meeting the requirements of the Act, maintained in: (i) a domestic bank within the meaning of Article 4 (1) (1) of the Act of August 29, 1997 – Banking Law; (ii) a branch of a foreign bank within the meaning of Article 4 (1) (2) of the Banking Law Act; (iii) a credit institution within the meaning of Article 4 (1) (17) of the Act of August 29, 1997 – Banking Law; (iv) a branch of a credit institution within the meaning of Article 4 (1) (18) of the Act of August 29, 1997 – Banking Law; (v) an electronic money institution; (vi) a payment institution; (vii) a cooperative savings and credit union or the National Cooperative Savings and Credit Union within the meaning of the Act of November 5, 2009, on cooperative savings and credit unions – to the extent that separate regulations authorize them to provide payment services.

7. Terms and Conditions – means these terms and conditions for mutual betting arranged by BUKMACHERSKA Sp. z o.o. through the Internet.

8. Stake - the price of a single simple Bet.

9. Company – means BUKMACHERSKA Sp. z o.o., al. Jana Pawła II 80 lok 14; 00-175 Warsaw, entered into the register of entrepreneurs kept by the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Division of the National Court Register under number KRS 0000806643, with a share capital of 2,105,000.00 PLN, NIP 5272907780.

10. Website – means the website fuksiarz.pl, on which, based on a permit issued by the minister responsible for public finances, mutual betting is conducted.

11. Act – means the Act of November 19, 2009, on gambling games.

12. Bets – means bookmaking bets, which are mutual bets on monetary winnings, involving guessing the occurrence of various events, including virtual events offered by the Company, in which the Player places a stake, and the amount of the winnings depends on the agreed ratio between the stake and the winnings (bookmaking).

13. Events – means all events (e.g., sports, sports-related, political, cultural, social, entertainment), including virtual events, i.e., computer-generated events concerning sports competition of people or animals, offered by the Company for betting according to the Terms and Conditions and the Act.

CHAPTER I

GENERAL PROVISIONS

Preliminary Provisions

§ 2

1. The organizer of the Bets arranged through the Website is BUKMACHERSKA Sp. z o.o. with its registered office in Warsaw (the Company), which conducts its activities based on the Act of November 19, 2009, on gambling games.

2. The Company offers mutual bets involving guessing the results of sports competitions of people or animals, events related to the results of sports competitions, as well as the occurrence of other events not related to sports competitions, e.g., of a sports-related, cultural, social, political, entertainment nature, and virtual events, which are in the offer of the Company.

Basic Conditions for Participation in Bets

§ 3

1. The use of the Website and the placement of Bets is allowed only for persons who have reached the age of 18. Persons who have not reached the age of 18 and against whom the competent court has legally issued a ban on participation in gambling games may not use the Website and place mutual bets offered on it.

2. It is forbidden to place Bets by persons who participate in the Event covered by the Bet, their spouses, owners of teams participating in the Event, participants of the Event, as well as employees of the Company and its shareholders.

3. Players are obliged to familiarize themselves with, understand, and accept the Terms and Conditions at the time of opening an Account. The Player should each time familiarize themselves with the Communications and comply with their content.

4. By participating in the Bets, the Player declares that they agree to the provision of services electronically and agree to the processing of their personal data by the Company for the purpose of participation in the Bets and related services.

5. To use the Website, it is necessary to have computer equipment and software enabling access to the Internet (including a so-called web browser) and to have an email address.

6. Users of the Website are obliged to use the Website in accordance with the principles of safe use of the Internet.

7. The Company does not allow the use of software, code, or other IT tools/solutions that serve to circumvent security or regulatory controls (resulting from applicable regulations), in particular, those serving to obscure, manipulate, or falsify data related to the Player's location or the location of the device used to access the Website.

CHAPTER II

PLAYER'S ACCOUNT

Registration Procedure

§ 4

1. The Company offers the possibility of opening two types of Accounts by the Player:

1.1 Temporary Account – a temporary Player's account with limited functionality, the registration of which is simplified. The functionality of the Temporary Account includes the possibility of logging in to the Website, making deposits, and concluding and settling placed Bets for a period of 30 days. The functionality of the Temporary Account is limited in time to 30 days from the moment of its creation and activation by the Company, with the maximum amount of concluded Bets in this period not exceeding 5,000.00 PLN. The maximum single winnings for the Player are limited to the amount of 2,279.99 PLN. The withdrawal of funds to the Player's Bank Account will be possible only after changing the Temporary Account to a Permanent Account. After 30 days from the activation of the Temporary Account, Players who have not completed the second stage of verification and registration of a Permanent Account will be able to log in to the Account only to perform full verification and register a Permanent Account. In other respects, the functionality of the Temporary Account will be suspended.

1.2 Permanent Account – the target Player's account with full functionality, enabling, in particular, the withdrawal of funds to the Player's Bank Account.

2. A person who meets the conditions specified in § 3 of the Terms and Conditions to register a Temporary Account fills in the registration form on the Website, providing the following data:

• First and last name,

• Login,

• Account access password,

• PESEL - and in the absence of it, date of birth and citizenship,

• email address,

• phone number.

The activation of the Temporary Account is contingent upon the positive verification of the provided data, in particular, the completion of 18 years of age and the verification of the phone number or email address provided by the user. For this purpose, the Company may contact the user using the provided phone number or email address, in particular, to provide an activation code. In the event of inability to contact the user or suspicion that the provided data is untrue, the Company reserves the right to refuse the activation of the Temporary Account or to suspend it (if it has already been activated) until full registration.

3. The activation of the Temporary Account is proof of the positive verification of the Player.

4. The Temporary Account should be changed by the Player to a Permanent Account within 30 days from its activation. For this purpose, the Player logs in to the Website on their Temporary Account and provides the following additional data:

• Residential address,

• Player's Bank Account number,

• Color copy of a valid identity document (e.g., ID card or passport) sent via a specially provided form on the Player's Account or to the email address indicated by the Company,

• Number and series of the ID card or passport number or other document number depending on the type of attached identity document.

5. The Company, before activating the Permanent Account, conducts a verification of the compliance of all data contained in the form with the data from the copy of the valid identity document. The activation of the Player's Permanent Account is proof of their positive verification. In the event that the data, documents, or information raise doubts in the Company as to their truthfulness, reliability, or completeness, the Company has the right to request additional documents to conduct proper verification of the Player, e.g., a bank statement of the Player's Bank Account or other documents required by the Company.

6. The Player is obliged to submit the following declarations in the registration form:

a) a declaration that the data provided by him is correct, up-to-date, and truthful,

b) a declaration that he agrees to the processing and storage of his personal data in accordance with the Act of May 10, 2018, on the protection of personal data,

c) a declaration that he accepts the provisions of the Terms and Conditions, the Rules of Responsible Gaming and Communications, agrees to the provision of services electronically and the sending of commercial information, and has completed 18 years of age.

d) a declaration that the Player is not a person holding an exposed political position within the meaning of the Act of March 1, 2018, on counteracting money laundering and terrorist financing, under the penalty of criminal liability,

e) a declaration that the Player's participation in the Bets arranged by the Company does not violate applicable regulations and that the funds deposited by the Player on the Account do not come from illegal sources and will not be used for purposes contrary to the law.

7. In the event that the Player does not change the Temporary Account to a Permanent Account within 30 days, then the functionality of the Temporary Account will be limited solely to the possibility of logging in by the user to the Website in order to perform full verification. After positive verification and registration, the Account will be changed to a Permanent Account. The Company may close the Temporary Account of the Player, which has been suspended due to the non-completion of the process of full verification of the Player and registration of the Permanent Account.

8. In the event that the maximum limit of stakes for concluding Bets set for the Temporary Account is exceeded, then the functionality of the Temporary Account will be limited solely to the possibility of logging in by the user to the Website. After positive verification and registration, the Account will be changed to a Permanent Account.

9. The Company will provide Players on the Website with tools for electronic identification using the intermediation of bank electronic verification procedures, which Players will be able to use in the process of verifying the Player's data and opening an Account. In the event that during the procedure of verification and opening an Account, the Player has used the tools for electronic identification using the intermediation of bank electronic verification procedures described above, the Company may refrain from requesting the Player to send a color scan of the identity document or other data/documents referred to in paragraph 4 above. Such an Account, from the moment of its registration, is treated as a Permanent Account.

10. The Company reserves the right to refuse the registration of the Player (registration of a Temporary Account and/or a Permanent Account) without giving a reason for the refusal.

11. The Player may register only one Account. The Account may be either a Temporary Account or a Permanent Account. The Temporary Account is valid for 30 days and may be converted into a Permanent Account within that time.

12. The Player is responsible for the truthfulness and correctness of all data that he will provide to the Company during registration and verification and is obliged to update the provided data in the event that they change. The Player has a duty to protect the data referred to in paragraphs 2 and 4 above, (in particular, the login and password) against third parties. In the event of the use of the Player's data by a third party, the Player is responsible for all activities on the Account carried out using his data and for the damages resulting therefrom, even if they result from the unintentional fault of the Player.

Using the Account – General Rules

§ 5

1. Player Accounts are used for:

a) identification of Players,

b) registration of deposits made by Players,

c) acceptance and settlement of Bets commissioned by Players,

d) execution of withdrawals to Players in accordance with their instructions.

2. The Player logs into their Account using their identification data (login – email address/mobile phone number and password).

3. The Company provides Players with access to the history of transactions made, e.g., a list of concluded Bets and a list of deposits and withdrawals commissioned by the Player.

4. Subject to the cases specified in the Terms and Conditions, the Player's Account is indefinite, which, however, does not apply in particular to the Temporary Account and suspension of the Account, until it is closed by the Player or by the Company, and it is free of charge.

5. The Player may not share the Account with third parties.

6. The Company reserves the right to conduct an additional verification process of data and payment methods used on the Account of any Player at any time. In each case, the Company has the right to request confirmation of the sources of funds on the Player's Account.

7. The Company is entitled and obliged to take all actions aimed at ensuring compliance and meeting the requirements specified in the Act on Counteracting Money Laundering and Financing of Terrorism of March 1, 2018, aimed at, among others, identifying and verifying the identity and sources of financial funds/property values of the Player and, for this purpose, to request additional documents, declarations, information from the Player. In order to minimize the risk associated with money laundering, the Company will continuously monitor the following areas:

a) the identity of the Player; the Player's identification data (e.g., by providing documents confirming personal data);

b) the Player's financial habits and behaviors, to ensure that transactions are consistent with the Company's knowledge of the Player's profile and risk level;

c) the Player's gambling habits and behaviors, to ensure that transactions are consistent with the Company's knowledge of the Player's profile and risk level.

8. The Player is obliged to inform the Company of each change in the source of financial funds/property values available to them within economic relations or transactions.

9. The Player is obliged to inform the Company each time of the fact of making related transactions, the total value of which (regardless of the number of operations) exceeds the equivalent of 2,000 euros.

10. A reasonable suspicion of the Player's violation of the provisions of paragraphs 6-9 above, or the Company having a suspicion of the risk of money laundering or terrorist financing, or the risk of another violation of the law, based on information and data obtained in accordance with paragraphs 6-9 above, entitles the Company to refuse or suspend the payment of funds assigned to the Player's Account and originating from winnings.

11. The Company reserves the right to request the Player to submit an additional declaration regarding his holding of significant positions or performing significant public functions. Failure to submit the declaration within the specified time will result in the suspension of the payment of funds.

12. If, after registering the Account, the Player begins to hold an exposed political position, is a family member of a person holding an exposed political position, or is known as a close associate of a person holding an exposed political position within the meaning of the provisions of the Act of March 1, 2018, on counteracting money laundering and terrorist financing, he is obliged to immediately inform the Company about this. In such a case, the Account will be suspended and the withdrawal of funds from the Account will be suspended.

CHAPTER III

PLACING BETS

General Rules for Placing Bets

§ 6

1. Placing a Bet on the Website is possible only after the Player has logged into their Account. Bets can be placed under the following conditions:

a) placing a Bet is possible only after the Player has previously logged into their Account, and

b) the Account of a given Player has a monetary amount equal to at least the stake deposited by the Player to place the Bet.

2. The Player deposits funds into their Account using payment methods exclusively through payment service providers available on the Website, as referred to in § 1 (6) of the Terms and Conditions, provided that conducting transactions on the Account through payment channels that the Player is not the owner of or an authorized person is not allowed.

3. Funds deposited by Players are held by the Company in the Player's Account. The Company does not charge interest on the amounts deposited by Players, nor do Players have any claims against the Company for the payment of such interest or any other monetary amounts related to the fact of deposits made by Players to the Company's bank account.

4. Each deposit of funds by the Player is tantamount to agreeing to the terms of participation in the mutual betting arranged by the Company.

5. The Company has the right to refuse to accept a Bet in any case, at any time, without giving any reason, or to refuse to accept part of the Bet, limit the Stake, Odds, number of Events. The Player has no claims against the Company for this.

6. If the suspension of the acceptance of Bets is caused by force majeure or a failure of devices servicing the Bets, the persons placing the Bets are not entitled to compensation or other claims, unless the Terms and Conditions provide otherwise.

7. The Company excludes the possibility of placing AKO Bets, System Bets, and Mixed Bets on mutually supportive events (e.g., covering with one Betting Slip a Bet on the victory of a participant in a given game within a tournament and a Bet on the victory of that participant in the entire tournament). If such a Bet is accepted by the Company, such a Bet is subject to cancellation.

8. The Participant may not entrust the placing of Bets to third parties or entities, including agencies dealing with professional betting.

Detailed Terms and Conditions for Placing Bets

§ 7

1. The Betting Slip is a confirmation of the concluded Bet. The Betting Slip is created after the selection of Events, result options (including the Odds assigned to them) and the staking of a stake from the funds on the Account.

2. After the Betting Slip has been approved, the Player receives confirmation in the form of an electronic record on their Account, constituting proof of the concluded Bet. The Betting Slip that has not been saved to the Account can be canceled at any time.

3. The Participant is obliged, before finally approving the Betting Slip, to check the correctness and compliance of their instruction with the Company's offer and Communications.

4. Each correctly recorded Betting Slip in the Company's system is assigned a unique identification number. After saving the Betting Slip, it is not possible to make changes to it. Such a Betting Slip cannot be canceled either, unless there has been an event of force majeure that justified the recognition of the complaint submitted by the Player and in other cases indicated in the Terms and Conditions.

5. The Betting Slip, before being saved in the Company's system, may be covered by an authorization process. The Player will be informed about this by an appropriate message on the Account. As part of the authorization, the Company may accept the Bet without changes, limit the amount of the Stake, propose a change in the Odds for a given Event, or refuse to accept the Bet.

6. On the Player's Account, there is a list of the Betting Slips concluded by him. The list contains all accepted, settled, and unsettled Bets, and in addition, accepted Bets, from the settlement of which less than 6 months have elapsed. The Bet is concluded and correctly recorded only if it appears on the list of concluded Betting Slips. In cases of disputes regarding the time of recording the Bet, the information from the Company's system is decisive and binding.

7. On the correctly recorded Betting Slip, there are, among others, such data as:

a) the name of the predicted Event,

b) the selected result option (Type),

c) the Odds for the selected result option,

d) the date and time of concluding the Bet,

e) the stake or total fee for the Betting Slip,

f) possible winnings,

g) the number of the Betting Slip.

9. All data regarding the conclusion of the Bet is stored for a period of 5 years, counting from the end of the calendar year in which they were archived.

Detailed Terms and Conditions for Placing Virtual Bets

§ 8

1. Virtual bets are organized based on professional software installed on independent and secure servers, the operation of which cannot be interfered with by either the Company or third parties.

2. Virtual bets are organized by the Company in the same form for all Players, and the start and end of the Event covered by the virtual bet occur at the same time. The Player does not have the possibility to check the result of the betted Event before the end of its duration, which has been determined by the Company, and the result of the betted virtual event is announced by the Company, after its completion, to all Players at the same time.

3. In the case of virtual bets, the programmed average value of winnings cannot be lower by more than 5 percentage points than the average win rate in mutual bets on guessing Events that are not virtual events for the preceding month.

4. The Company continuously provides on the Website the results of previously held virtual Events. The Company will store the results of previously held (archived) virtual events for a period of 5 years, counting from the end of the year in which the archiving was done.

5. As part of virtual bets, the Company may offer the following virtual events: football, basketball, tennis, speedway, cycling, dog racing, horse racing.

Types of Mutual Bets

§ 9

1. The Company organizes the following basic types of mutual bets:

a) Simple Ordinary Bets,

b) Simple Accumulated Bets,

c) System Bets,

d) Mixed Bets,

e) Virtual Bets.

2. Simple Ordinary Bets are bets on the result of one simple Event predicted by the Player:

a) A simple bet is won only in the case of correctly determining the result of the betted Event,

b) The method of determining the winnings of a Simple Ordinary Bet: odds x stake x coefficient = winnings. The amounts of winnings are rounded to the nearest cent; if the number in the third decimal place is 5, the winnings are rounded up,

c) In Simple Ordinary Bets, the amount of one winning cannot be lower than the amount of the stake paid for that bet.

3. Simple Accumulated Bets, so-called AKO (accumulator), are bets on the results of at least two Events, the conclusion of which is confirmed by one Betting Slip covering a set of Simple Ordinary Bets:

a) An Accumulated Bet is won only in the case of correctly predicting all the events on that Betting Slip,

b) The method of determining the winnings in the case of a Simple Accumulated Bet: product of odds x stake x coefficient = winnings. The product of odds is formed by multiplying the odds of correctly predicted Events and is rounded to two decimal places; if the number in the third decimal place is 5, the product is rounded up. The amount of winnings is rounded to the nearest cent; if the number in the third decimal place is 5, the winnings are rounded up,

c) In Accumulated Bets, the amount of the winnings cannot be lower than the amount of the stake paid for the Accumulated Bet.

4. System Bets are bets that allow betting on several different Events (at least two) or several combinations of Events in one system, in many systems, or in a block system:

a) By system is meant a specific form of recording many Simple Bets on one Betting Slip, with each system offered by the Company containing a specific number of combinations (number of Simple Bets),

b) The Player may bet on results in one system (Single System Bet), in at least two systems (Multiple System Bet) or block-wise in all available combinations. The Player places a bet on all possible combinations created from the betted blocks, selecting one or more systems offered by the Company. By block is meant a Simple Bet (ordinary or AKO). A Block Bet can be placed if at least one of the blocks is an AKO Simple Bet,

c) A win is due if at least one of the betted combinations of the System Bet has been correctly predicted by the Player. The win is calculated as the sum of the winnings attributable to all correctly predicted combinations.

5. Mixed Bets are bets that allow the combined betting of a Simple Bet with a System Bet or the combined betting of several (at least two) System Bets in the same or different systems:

a) By system is meant a specific form of recording many Simple Bets on one Betting Slip, with each system offered by the Company containing a specific number of combinations,

b) A win is due if at least one of the betted combinations of the Mixed Bet has been correctly predicted by the Player. The win is calculated as the sum of the winnings attributable to all correctly predicted combinations.

6. Virtual Bets are bets consisting of guessing the results or the occurrence of virtual events offered by the Company, by which is meant computer-generated events concerning sports competition of people or animals. Virtual bets are organized based on professional software installed on independent and secure servers, the operation of which cannot be interfered with by either the Company or third parties, and which are played on the website www.fuksiarz.pl.

Additional Options for Mutual Bets

§ 10

1. For each of the basic types of Mutual Bets, the Company allows Players to use the following additional options for Bets:

1.1 Safe FUKS – an option that allows the Player to insure Bets in such a way that in case of an error and incorrect prediction of the result, there is a possibility of paying out the winnings on the terms determined by the Company and communicated to the Players. The Company determines and places in the Communication the detailed rules for settling the Bet, calculating the guaranteed minimum amount of winnings, and the offer of Events that may be covered by the Safe FUKS Bet option.

1.2 Cash Out Bets – a Bet option, including the Early-Cashout option, which allows the closure of a Bet before the settlement of all Events on the Betting Slip. The detailed rules of the Cash Out option are determined in the offer of the Company on the Website and/or in the Communication. The decision to close the Betting Slip early is made by the Player and each time requires approval by the Company. The Company may charge a fee for the Cash Out service, in which case such information will be communicated to the Players in the Communication. The condition for the Player to use the Cash Out option with a fee for such service will be the prior acceptance of this fee by the Player. In case of using the Cash Out option, the Player loses the right to the winnings resulting from the Betting Slip. In the situation where the Cash Out amount is lower than the value of the paid stake, the Company may refund part of the stake to the Player.

1.3 Live Bets/LIVE – these are Bets on Events currently offered by the Company that are in progress. Live Bets constitute a separate category of Bets marked as "live" and/or "Live". The odds for Live Bets are developed on an ongoing basis, may change, and are valid only at the moment of placing the Bet via the Website. A Live Bet cannot be canceled by the Player. The conditions and rules for placing Live Bets are specified on the Website.

1.4 FUKS Bonus Bet – these are Bets in which the Company allows for an increase in the winnings, e.g., by using the so-called bonus converter to increase the expected winnings. The Company determines and places in the official Communication on the Website for the information of Players the detailed rules and scope of the offer of Events that may be covered by the "FUKS Bonus" Bet.

Bets on Events of a Sports-Related, Political, Cultural, Social and Entertainment Nature

§ 11

1. The Company will accept Bets on various events of a sports-related nature, e.g., group draws in sports tournaments - World Championships, European Championships, Champions League; political, e.g., presidential, parliamentary, local elections in the country and abroad, parliamentary voting results, e.g., on the issue of impeachment or similar procedure; cultural, e.g., song contests in the country and abroad, Chopin Competition, Moniuszko Competition, Oscars, Grammys; social, e.g., strikes, demonstrations; entertainment, e.g., Miss elections (in the country and abroad), Voice of Poland, Got Talent, X-Factor, Big Brother, Dancing with the Stars, as well as other competitions, quizzes, tournaments, games and simulated card games, for which there is no doubt that their outcome is known or determined in advance, provided that in no case will they be bets on the results of numerical games. The Participant has the possibility to bet on the results of Events in the form of simulated card games: blackjack, poker and baccarat. The simulated card games, which are the subject of the Bets offered by the Company, are broadcast via the Website live, i.e., in real time, and their results are determined each time during the broadcast itself and are not known to anyone. The mutual betting participant is not a participant in the Event, on the course or result of which he places a Bet. The Company does not accept bets on simulated games (conducted through transmission over the Internet), in particular, simulated slot machine games, cylindrical games (including so-called wheels of fortune) and dice games, which cannot be the subject of mutual bets.

2. Bets in this category are subject to the general rules set out in the Terms and Conditions, with the Company reserving the right to specify the conditions for concluding such a Bet directly on the Website, e.g., by giving the minimum number of predictions, limiting the Stake or the total Odds limit for all predicted Bets.

CHAPTER IV

STAKE, ODDS AND TYPES

Stake

§ 12

1. The Company has the right to set the stakes for individual types of Bets covered by these Terms and Conditions and/or the Communication at its discretion. The stake binding for the Player and the Company is the stake indicated on the Betting Slip.

2. The stake means the fee for a Simple Bet. The fee for a System Bet and a Mixed Bet is the product of the Stake and the number of combinations corresponding to a given system.

3. The Company reserves the right to set the minimum and maximum Stake, individually for each Bet, group of Bets, and type of Bet.

Odds

§ 13

1. The Company, through the Website, publishes the Odds applicable to a given Bet. To place a Bet, the Player – after logging into their own Account – selects the appropriate, available for a given Event, Bet option and indicates the Stake to be paid, the value of which may not exceed the amount of funds accumulated by the Player on the Account.

2. The Odds for each type of Event will be determined by the Company at its discretion and published on the Website.

3. At any time during the acceptance of Bets, the Company reserves the right to change the Odds for any option of offered Events available on the Website.

4. The Odds considered binding for the calculation of winnings are the current Odds (indicated on the Betting Slip) at the time of placing the Bet, taking into account any subsequent changes in the Odds, as discussed below, and in cases where, as a result of the cancellation of the Bet, the Odds of the Event assume the value of 1.00 or in the case where more than one competitor/team takes the same place, the Odds of the Event are divided by the number of winners.

5. In the case of obvious errors that occurred during the entry or determination of the Odds for offered Events, and whose occurrence can be ascertained beyond any doubt (e.g., accidental exchange of Odds or an evident error in entering the Odds into the Company's offer), the Company reserves the right to settle such Bets at the Odds of 1.0 and return the Stake.

Types

§ 14

1. Type means a possible to predict option of the Event result given in the Company's offer.

2. In the Bets offered by the Company, for each selected Event, only one result option is always bet on - regardless of the number of result options possible to bet on.

3. The following options for predictions may occur in the Bets, foreseeing one correct result, where:

a) "1" - means the victory of the participant/team listed in the first place,

b) "0" or "X" - means that none of the two participants/teams listed in the Event will achieve victory (the result will be a draw),

c) "2" - means the victory of the participant/team listed in the second place,

d) "10" or "1X" - means that the participant/team listed in the first place will win or draw,

e) "02" or "X2" - means that the participant/team listed in the second place will win or draw,

f) "12" - means the victory of the participant/team of the Event listed in the first place or the victory of the participant/team listed in the second place.

4. The Company may introduce, each time before the start of accepting Bets, an interpretation of the prediction options and their rules different from that described in point 3 above, about which the Players will be notified in the offer of Bets or in the Communications or markings for the Bets, containing a detailed description of the rules of individual Bets.

5. The Company may, without giving a reason, introduce restrictions on the quantity and type of available predictions for a specific Event.

CHAPTER V

SETTLEMENT OF BETS, WINNINGS AND PAYOUTS

Settlement of Bets

§ 15

1. A Bet is valid provided that the Event, for which the Bet was accepted, starts at the time set by the organizer of the event, in accordance with the information provided on the Website. This provision does not apply to situations where, as a result of the Company's mistake, an incorrect meeting time was published on the Website – in such a case, the Bet is valid, as long as the event starts at the regulatory time set by the organizers of the Event, before its start.

2. If the Event is canceled, postponed to another date or place, or interrupted before the end of the regulatory time and not completed within 48 hours from the planned start, the Bets accepted on such Event are subject to cancellation. The Company returns the stakes for canceled Bets to the Players.

3. In the case of tennis competitions, Bets on a given match are valid provided that such a match takes place and is completed within the same tennis tournament. The provisions of this paragraph also apply to cases where the participant, to whom the Bet relates, does not take part in the Event or when the participants in the Event, to which the Bet relates, are fewer than the number required by the regulations determined by the organizer of the Event.

4. Any changes to the established result of the Event (e.g., change of result as a consequence of a protest by a participant of the Event, doping control, etc.), occurring after the publication of the Event result in accordance with paragraph 1 above, are not taken into account when settling the Bet placed on the result of such an Event.

5. With regard to the time and date of the given Event and its result, the time and date determined according to the time zone in which such Event is held is decisive.

6. Detailed rules regarding the settlement of Bets, including Live Bets and Virtual Bets, the Company may provide in Communications.

Official Result

§ 16

1. The Company publishes on the Website the result of the given Event, officially provided by the organizer of the sports event or from other official sources.

2. In the case of Virtual Bets, the Company publishes on the Website the result of the given Virtual Event on an ongoing basis. Such a result is binding for the purpose of settling the Bet.

3. For the purpose of settling the concluded Bet, the result determined in the regulatory time of the sports event (e.g., in football, overtime and penalty kicks are not taken into account) is considered binding, unless otherwise stated in the Communication or the offer of the Company on the Website.

4. If the organizers of a given sports event do not publish the result of that Event within 48 hours from the start of the Event, the Bets accepted on such Event are subject to cancellation. The Bets for which a walkover has been announced are also canceled. The Bets placed on Events that were resolved at the time or before the Bet was placed, regardless of the reasons for accepting such a Bet, are canceled. Exceptions to the above rule are allowed, provided that they are communicated to the Players on the Website.

Winnings

§ 17

1. The right to a win occurs when the results of all betted Events are correctly determined and all the conditions of the Terms and Conditions, Communications and/or additional options are met, which in particular determine the winnings for individual mutual Bets and the winnings for individual Virtual Bets.

2. The winnings obtained are automatically assigned to the Player's Account.

3. After the official result of the Event is announced and published on the Website, the Betting Slips concluded on that Event automatically receive the status of won/lost.

4. Detailed information regarding the calculation of winnings for individual mutual Bets, including Live Bets and Virtual Bets, will be provided through Communications.

Payout of Winnings

§ 18

1. Payout of winnings from the Account is made by transfer from the Company's account to the Player's Bank Account, indicated on the Account, or through the execution of a payment transaction within the meaning of Article 15e of the Act, after reporting such an instruction on the Player's Account. Payouts will be made using the method selected by the Company, with the proviso that they will be made first by the same payment method that was used by the Player when depositing to the Account.

2. The Player has the right to request the withdrawal of funds held on the Account and originating from: deposits to the Account, winnings from Betting Slips, amounts resulting from the return of Stakes for canceled Bets, subject to paragraph 7 below.

3. The Company orders the withdrawal instruction on a given day for all Players according to the order of their reports. In the event that the capital intended for immediate withdrawal on a given calendar day is exhausted, the Company will execute the remaining instructions within 7 business days from the day following the day of receipt of the withdrawal instruction from the Player.

4. The Company reserves the right to temporarily suspend the Account or withhold the execution of cash withdrawals, including winnings payouts, if there are doubts as to the rights of a given person to dispose of the Account. In such a case, the Company will immediately conduct a verification of the Player or request the submission of a scan of a document confirming identity. After confirming the identity, the Company will immediately restore the full functionality of the Account, provided that all doubts are resolved in favor of the Player, unless other circumstances justify a different procedure, about which the Player will be informed.

5. The Company has the right to withhold the payment of funds and/or block the Account in the following cases:

a) reasonable suspicion of using the Account by an unauthorized person or a person listed on sanction lists, or the Player using the Account in another way inconsistent with the Terms and Conditions;

b) reasonable suspicion of the Player committing a crime or a misdemeanor, in particular, suspicion of committing crimes against the credibility of documents or against property, as referred to in the provisions of the Act of June 6, 1997, the Penal Code.

c) in the case of circumstances indicating a suspicion of committing the crime of money laundering or terrorist financing;

d) receipt by the Company of information about the possibility of the Player committing a crime or misdemeanor or in connection with a notification received from payment institutions, banks, law enforcement agencies, or other authorized institutions in relation to the person to whom the Player's Account belongs;

e) the need to conduct additional verification of the data held by the Company regarding the Player, resulting from the provisions of the Act of March 1, 2018, on counteracting money laundering and terrorist financing, and will cancel the Bets placed by such a Player or through such an Account.

6. In the cases indicated in paragraph 5 (b) and (c), the Company will immediately notify law enforcement agencies or other authorized institutions, in particular, the General Inspector of Financial Information, about the case of having reasonable suspicion that a specific activity of the Player may be related to a crime or misdemeanor, which includes cases where the Player does not submit within 14 days additional data enabling verification that the Account was not used by an unauthorized person or a person listed on sanction lists.

7. The Company will immediately execute the payment of funds and/or unblock the Account:

a) if the Player has undergone additional verification or submits within 14 days additional data enabling verification that the Account was not used by an unauthorized person or a person listed on sanction lists;

b) after receiving from the law enforcement authorities a final decision to refuse to initiate or discontinue proceedings in connection with the notification submitted by the Company or another entity;

c) if within 24 hours of receiving from GIIF confirmation of receipt of the notification, the Company does not receive from GIIF a notification requesting the suspension of the transaction (for a period not longer than 96 hours from the date and time indicated in the confirmation by GIIF of receipt of the Company's notification) or a release from the obligation to suspend the transaction;

d) in the event of revocation or expiration of the prosecutor's decision to suspend funds or block the Account;

e) if within 6 months of issuing the blocking decision, no decision on property security or on physical evidence is issued;

f) in the event of receiving a final court ruling that the funds accumulated on the Account or the Account itself was not used for illegal activities.

The deadlines referred to in these paragraphs do not include public holidays and Saturdays.

8. Funds blocked on the Player's Account remain the property of the Player until a final ruling on their forfeiture or the obligation to remedy the damage. Information about the suspension of the withdrawal of funds and/or the blocking of the Account will be communicated to the Player electronically, by phone, or in writing. The Company may refrain from fulfilling this obligation if it results from security reasons or legal provisions.

9. In the event that an incorrect amount of winnings is credited to the Account (e.g., in the case of entering an incorrect result of the Event or the Event should have been canceled and settled at the odds of 1.00 or the Bet was placed after the start of the betted Event, excluding Live Bets), the Company reserves the right to deduct the incorrectly credited amount of winnings from the Account without the Player's consent within 30 days from the moment of obtaining information about the incorrect crediting of the winnings to the Account. In the event that the Player, before the Company makes the deduction of the incorrectly credited amount of winnings, withdraws it or places losing Bets for that amount, the Participant is obliged to pay the missing amount to the Company's payment account within 7 days from the day of the request or to deposit the outstanding funds on the Account within the same period, from which the Company will deduct the missing amount. The Company has the right to suspend the Player's Account until the debt is settled and to take legal action with a claim for damages.

10. The Company deducts income tax from the winnings due for a single Bet, as referred to in the Act of July 26, 1991, on personal income tax.

11. Funds deposited into the Player's Account should be intended for Bets. The Company reserves the right to refuse to accept a withdrawal instruction if the Player deposits and withdraws funds to/from the Player's Account without making any turnover, unless otherwise indicated by the Communication or the Company's offer, or when the amounts of the concluded Bets in the period between the deposit to the Account and the withdrawal instruction from the Account are disproportionately low compared to these deposits and withdrawals.

CHAPTER VI

CLOSING THE ACCOUNT, CANCELLATION OF BETS, REFUND OF STAKES

Closing the Account

§ 22

1. The Player may at any time close or suspend the Account without giving a reason. In the case of an instruction to close the Account and request the withdrawal of funds, it must have the status of a Permanent Account. The funds accumulated on the Account will be paid to the Player's Bank Account within 14 business days from the day of closing the Account or after the completion of the verification process, unless additional documents are required for verification. If the transaction is rejected by the payment service provider, the Player's funds may constitute the Company's income and may be used, among others, for payments on account of accepted complaints. However, the Company will make every effort to contact the Player and update their data in order to return the funds.

2. Regardless of paragraph 1 above, the Company reserves the right to block or close the Account, in particular, in the following cases:

a) there is a suspicion that the Player uses practices not allowed by the Company,

b) there is a suspicion that the Account is used by third parties,

c) there is a suspicion that Accounts registered to different Players are actually used or controlled by one person or a group of people acting in concert,

d) there is a suspicion that the Account is used by employees of the Company, its shareholders, and directly by participants of the betted Events,

e) there is a suspicion of abuse on the part of the Player that may expose the Company to losses,

f) the Player violates the provisions of the Terms and Conditions,

g) the Player for a period of 3 months does not make any deposit of funds for the purpose of placing Bets,

h) the Player makes cyclical deposits and withdrawals of funds, and the amounts of the concluded Bets in this period are disproportionately low compared to the amounts of the deposits and withdrawals made to the Player's Account,

i) there is a suspicion that the Player has committed a crime or misdemeanor,

j) the suspension of the use of the full functionality of the Temporary Account due to the non-completion of the second stage of verification and registration of the Player's Permanent Account, which does not preclude or infringe upon the rights of the Company specified in § 18 (5-8) of the Terms and Conditions.

3. The Company reserves the right to charge the Player with the full costs of the payment transactions incurred by the Company in the situation where the Player makes a deposit to the Account and then withdraws funds to a bank account without previously placing at least one Bet.

4. In the cases referred to in paragraph 2 above, and provided that there are funds on the Player's Account and the Company does not retain the deposited funds, the Player will receive at most a refund of the amounts deposited into the Account and placed on bets (without amounts resulting from possible winnings, which will be canceled), but not higher than the amount remaining on the Account. In the absence of funds, the Account will be closed by the Company, without the return of any funds.

5. Accounts with no Player activity (no betting, no transactions, no deposits/withdrawals), on which there are monetary funds, will be subject to regular verification, and the Company will make every effort to contact the Player to return the funds on them. If, despite 3 attempts to contact the Player, the Account remains inactive for a period exceeding 12 months, such an Account may be closed and the monetary funds may be confiscated and transferred to the Company's bank account. The funds previously deducted from the Player's Account may be reassigned to that Account, and the Account may be reopened at the request of the Player. The Player submits an application for the reassignment of funds and for opening the Account through the customer service office no later than within 24 months from the date of closing the Account for the above reason.

Cancellation of the Bet

§ 23

1. The Company has the right to cancel a Bet in which the Player has predicted the result of an Event and the Player has the right to a refund of the Stake for the canceled Bet in cases each time indicated in the Terms and Conditions and/or Communication.

2. Until the start of the Event, the Company has the right to cancel the accepted Bet or Bets on any Event in the case of circumstances indicating the need to apply the provisions of the Act of March 1, 2018, on counteracting money laundering and terrorist financing, in particular, when the circumstances indicate that the financial funds for the Bet come from illegal or undisclosed sources, regardless of the value of the transaction. In such a case, the deposited Stakes are withheld until the circumstances are clarified.

3. Apart from the cases indicated in the Terms and Conditions, the Company has the right to cancel the accepted Bet or Bets in the following cases:

3.1 The Bet was placed for any reason after the start of the Event, with the exception of Live Bets, where the date and time of the start of the Event is taken as the date and time obtained from official or other reliable sources;

3.2 In a Simple Bet, the winnings are less than the stake placed on that Bet;

3.3 If the Event to which the Bet relates did not take place, was canceled, postponed, or interrupted, unless otherwise indicated by the Terms and Conditions or Communications;

3.4 It is not possible to determine the official result of the Event according to the rules set out in the Terms and Conditions;

3.5 The location of the Event has changed;

3.6 The competitor did not participate in the Event;

3.7 The Event was incorrectly described by the Company, e.g., the Event was not supposed to take place;

3.8 An obvious mistake or system error or an obvious error in data entry occurred, while minor clerical errors (e.g., in the name or surname) will not be the basis for canceling the Bet, if it can be stated beyond any doubt who the player or team is;

3.9 The Event was not completed with an official result or the Company does not have the possibility to determine this result from official or other reliable sources;

3.10 The conditions specified by the Company regarding the Bet were not met in the Event, e.g., the Bet concerned the total number of goals or points scored during a given Event by a selected player, and this player did not participate in the Event or did not participate in the entire Event;

3.11 On one Betting Slip, Bets were placed on Events that mutually support each other. In such a case, the Company may cancel all or selected Bets on Events that mutually support each other;

3.12 The Company has received information that the Bets were placed by persons referred to in § 3 (1) and (2) of the Terms and Conditions;

3.13 The Company has specified other conditions that are the basis for canceling the Bet and has made them public before the Bet was placed.

Refund of Stakes

§ 24

The refund of Stakes takes place within 14 business days, counting from the day following the day on which the circumstances justifying the obligation to refund arose. The refund of the Stake results in the automatic assignment of the amount paid for the refunded Bet to the Player's Account.

CHAPTER VII

RESERVATIONS REGARDING BETS

Reservations

§ 25

1. The Company is entitled to refuse to accept a Bet on any Event without giving reasons. The Company may also suspend the acceptance of Bets on any Event or the result of an Event or introduce other restrictions related to the acceptance of Bets (e.g., by introducing limits on the Stakes accepted from Players or limits on winnings).

2. The Company may allow the placement of only selected, by the Company, detailed options for concluding a Bet, in relation to a given Event. For example, in the case of a match between two teams, the Company may provide only an additional option for concluding a Bet regarding the exact score of the game (in such a case, it will not be possible to place a Bet on the victory of one of the teams).

3. The Company also has the right to:

3.1 Limit the amount of the Stake for a Bet for specific Events or combinations of Events;

3.2 Limit the number of Events and limit the combination of Events and the manner of their combination;

3.3 Indicate Events that may occur in a specific quantity.

4. The reservations referred to above will be communicated on the Website in the offer of the given Bets before the start of accepting Bets on a given Event. The Company reserves the right to introduce reservations for Events for which the procedure for accepting Bets has already been started, but with the proviso that they will apply only to Bets not yet concluded. Players are not entitled to any claims for damages resulting from the reservations introduced by the Company. The provision of § 12 (3) applies accordingly.

5. The Company reserves the right to make changes and amendments to the offer of Bets before the start of accepting Bets.

CHAPTER VIII

COMPLAINTS, CLAIMS AND EXPIRATION OF CLAIMS

Complaints

§ 26

1. The Player may submit a complaint in writing to the Company's address indicated in § 1 (9) of the Terms and Conditions or by email to: [email protected] with the note "Complaint" in the subject line of the message. The complaint may concern the settlement of a concluded Bet or other action or omission by the Company.

2. Complaints may be filed within 14 days from the occurrence of the event to which the complaint relates or from the announcement of the final official result of the Event to which the given Bet relates, in the case when the complaint concerns the settlement of the Bet, the basis for filing the complaint is having a confirmation of the acceptance of the Bet in the form of a Betting Slip. The date of the postal stamp of Poczta Polska S.A. determines the observance of the deadline for filing a written complaint.

3. Complaints about Bets filed after the deadline referred to in paragraph 2 will not be considered.

4. When filing any complaint, the Player is obliged to indicate their request along with justification and provide their first name, last name, and residential address, and if the complaint concerns the settlement of the Bet, also the date of concluding the disputed Bet along with the indication of the number of the Betting Slip on which the transaction related to the complained Bet was recorded. In the case of reporting a complaint via email correspondence, the Player also provides an electronic address for communication.

5. The Company is obliged to consider all complaints within 21 days from the day of their receipt by the Company.

6. If the complaint is considered unjustified, the Company will notify the Player of this and inform them of the reasons for not taking the complaint into account. The Company's decisions in the complaint procedure are final.

Claims

§ 27

Regardless of the Player's right to file a complaint, they have the right to file claims. The claim is filed with the locally competent common court. Prior filing of a complaint is not a condition for filing a claim.

Expiration of Claims

§ 28

The Players' claims related to participation in Bets expire, in accordance with the Act, after six months from the day of maturity. The running of the limitation period for claims is suspended from the day of filing the complaint until the day of receiving a response to the complaint.

CHAPTER IX

CONFIDENTIALITY, PERSONAL DATA PROTECTION, INFORMATION OBLIGATIONS

§ 29

1. In accordance with the Act, the Company keeps confidential the amount of winnings or losses in Bets and other data related to the participation of Players in such Bets. The Company is entitled to disclose such data only to entities and authorities authorized to request their disclosure, in cases and on the terms specified in the Act (in particular, Article 20 (8) of the Act) and other applicable legal provisions.

2. The administrator of the personal data provided by the Players is the Company, which processes this data in accordance with the provisions of the Act of May 10, 2018, on the protection of personal data, for the purpose and scope specified in these Terms and Conditions and in accordance with the provisions of the Privacy Policy available on the Website.

3. The Company is entitled and obliged to comply with the provisions of the Act of March 1, 2018, on counteracting money laundering and terrorist financing, and in particular, to apply to the Players financial security measures, including in particular the identification of Players and verification of their identity, ongoing monitoring of economic relations, including in particular the examination of the source of origin of the property values that the Player has at his disposal, and in cases justified by the circumstances, to provide information about the Player's transactions covered by the statutory obligation to inform the competent authorities.

4. The Player acknowledges that the Company has the right and obligation under the Act of March 1, 2018, on counteracting money laundering and terrorist financing to process, store and transmit to the competent authorities all data of the Player and the transactions carried out by him without his additional consent and without the obligation to inform him of the fact of transmitting such data.

CHAPTER X

LIABILITY

Scope of Liability

§30

The Company is not responsible for any interruptions in the provision of services by entities providing telecommunications services and for the lack of possibility or difficulties in concluding Bets caused by a network or power failure, nor for other interruptions or disturbances in the use of the Website not caused by the Company, including cases of force majeure.

CHAPTER XI

RESPONSIBLE GAMING

Rules of Responsible Gaming and Protection of Minors

§31

1. Participation in mutual betting can lead to gambling addiction, therefore every Player should exercise self-control in order to use the game only for entertainment purposes.

2. The Company ensures the protection of minors in the manner of presenting commercial information on the Website.

3. Detailed information on responsible gaming and protection of minors is contained in the Rules of Responsible Gaming available on the Website.

CHAPTER XII

FINAL PROVISIONS

§ 32

1. The Terms and Conditions, Communications along with the offered additional options, the Privacy Policy and the Rules of Responsible Gaming are made available on the Website in a manner that allows users of the Website to familiarize themselves with the content of these provisions.

2. The Company makes available on the Website, in a visible manner, in accordance with Article 15i (1) (1) of the Act, the following content: (i) information about the Company and the method of contact with the Company; (ii) information about the permit to organize games along with its subject scope, term of validity, and the name of the authority that issued it; (iii) information on the prohibition of gaming for persons under 18 years of age; (iv) information about the risks associated with gambling; (v) the names of institutions providing assistance to persons with gambling problems along with a link to the websites of these institutions; (vi) the Rules of Responsible Gaming to protect Players from the negative effects of gambling. The Rules of Responsible Gaming are approved by the minister responsible for public finances.

3. The Player is obliged to familiarize themselves with all the rules applicable to a given Bet, including in particular the amount of the Odds, these Terms and Conditions, Communications, the Rules of Responsible Gaming and the Privacy Policy. By accepting the conclusion of a given Bet, the Player confirms that they have read and accept the amount of the Odds, these Terms and Conditions, the Communication and the additional options specified on the Website.

4. The Company is not responsible for any damages suffered by the Player resulting from ignorance or misunderstanding of the above provisions.

§ 33

1. In matters not regulated by the content of the Terms and Conditions, the provisions of the Gambling Games Act and other generally applicable provisions of Polish law, which apply to the organized Bets and to the filing and consideration of complaints and resolution of disputes, apply.

2. The place of concluding the bet is considered the territory of the Republic of Poland, however,

The Company makes every effort to make the game unavailable outside the borders of the Republic of Poland, while the Company is not responsible for incorrect marking of connections/IP addresses by providers enabling access to the Internet.

3. Changes to the Terms and Conditions may occur in the manner and under the conditions specified in Article 60 of the Act.

4. These Terms and Conditions come into effect upon publication on the Website.

The above gambling games Terms and Conditions were approved on the basis of Article 60 (2) of the Act of November 19, 2009, on gambling games by decision of May 9, 2025, no. DRG2.6841.4.2024