Singapore Pools Account Opening & Operating Terms and Conditions

Issued by
Singapore Pools (Private) Limited
Dated 9 November 2022
Version 2.0

  1. Introduction

    1. By opening and activating an Account with the Company to facilitate the placing of bets through the use of remote communications, the Account Holder may enter into betting transactions with the Company through the Account Betting System. The Account Holder represents and warrants that the Account Holder fully understands and agrees to comply with the following Terms and Conditions governing the opening and operation of the Account set out herein and as amended by the Company from time to time. Any amendments will be posted on the Website via a link made available to the Account Holder. The Account Holder agrees that it is his responsibility to check the Website for any amendments to these Terms and Conditions.

    2. The Account Holder acknowledges and agrees that in addition to the Terms and Conditions herein, the use of the Account is also governed by:

      1. the applicable Game Rules of the various Games offered by the Company;

      2. the Company's Totalisator Scheme and the Rules and Regulations governing the conduct of Totalisator Betting; and

      3. any other applicable legislation, regulations, and terms and conditions that are relevant to the use of the Account.

  2. Definitions and Interpretation

    1. The following definitions shall apply unless the context otherwise requires:

      "Account" means the remote betting account opened with the Company to facilitate the placing of bets through the use of remote communications, including without limitation, the Internet, mobile or any other kind of electronic or technology facilitating communication;

      "Account Betting System" or "ABS" means any system or method of electronic communication used by the Company to provide Games, or used by the Account Holder to participate in Games, including without limitation, the Internet, mobile or any other kind of electronic or other technology facilitating communication in accordance with these Terms and Conditions;

      "Account Holder" means the holder of an Account;

      "AN" refers to the Account Number that Account Holders use to access the Company's betting and other services;

      "Company" refers to Singapore Pools (Private) Limited;

      "Company's Premises" refers to the Company's office at 210 Middle Road, #01-01, Singapore 188994;

      "Counter Offer" refers to the offer made by the Company to an Account Holder to accept a modified bet (including without limitation, a bet for a lower stake amount or based on different odds) when the bet originally placed by the Account Holder is not accepted by the Company;

      "Game Rules" refers to the rules on how to play the respective Games on the respective channels, and includes totalisator betting;

      "Games" refers to the various games offered by the Company which the Account Holder may participate in. These could include TOTO, 4-D, betting on football matches motor racing and horse racing;

      "Launch Date" refers to the date these Terms and Conditions take effect, as notified by the Company;

      “Live Streaming Services” refers to the Company’s services which allow Account Holders to view live broadcasts of horse racing or other sports events online.

      "Materials" refers to articles or materials arising from or related to the application for the opening, and/or the operation of the Account;

      “Mobile Apps” refers to mobile applications published by the Company;

      "Monthly Deposit Limit" refers to the limit on the amount of funds an Account Holder may transfer into his/her Account, within one calendar month;

      "Monthly Betting Limit" refers to the limit on the amount of funds from an Account that the Account Holder may use to place bets, within one calendar month;

      "NCPG" refers to the National Council on Problem Gambling, a council under the Singapore Ministry of Social and Family Development established to reduce the impact of problem gambling on individuals, families and society;

      "PIN" refers to the Personal Identification Number that Account Holders use in conjunction with accessing and operating their Account;

      “OTP” refers to One-Time Password or such other authentication information or tool as provided for authentication purposes when required;

      "Prohibited Purposes" refers to money laundering, terrorism or any other criminal or unlawful activity;

      "Software" refers to the software provided by the Company on the Website and Mobile Apps for the purposes of obtaining information about the Company's Games, accessing account-related services, and placing bets;

      "Terms and Conditions" refers to these Account Opening & Operating Terms and Conditions;

      "Totalisator Scheme" refers to the Rules and Regulations governing the conduct of totalisator betting;

      "Unsettled Bets" refers to bets whose results have not been determined;

      "Website" refers to the Company's website at singaporepools.com.sg and includes all pages within this domain; and

      "Website Terms and Conditions" refers to the terms and conditions for access and use of the Website and the Software. The Website Terms and Conditions may be accessed from the Website.

  3. Opening and Activation Of The Account

    1. The Account may only be held by an individual in his/her own name and shall be operated singly by the Account Holder only.

    2. The Account Holder shall be allowed to have only one (1) Account opened for placing bet(s) with the Company through the ABS.

    3. The Account is personal to the Account Holder and is non-transferable.

    4. The Account Holder must be at least 21 years of age and shall meet any other requirements as may be stipulated by the Company from time to time in its sole and absolute discretion.

    5. To apply to open an Account, the applicant shall submit a duly completed application form online to the Company via the Website or the relevant Mobile App(s). The applicant must submit the application on his/her own behalf.

    6. The Company reserves the right to accept or reject the application to open an Account submitted by the applicant, without having to give any reason in respect thereof, and to suspend and/or close the Account and/or to refuse, discontinue, reject or reverse any bets placed through the ABS in the event the Account Holder is found to have opened multiple Accounts with the Company, or to have provided any inaccurate, false or misleading information to the Company in applying to open the Account, or to be under 21 years of age at the time of submission of the application, or for any reason whatsoever.

    7. For Account Holders who had previously opened and subsequently closed an Account, he/she will have to undergo the verification processes stated in Clauses 3.8 and 3.9 herein.

    8. For verification purposes, the applicant shall, after submission of the application form online, present the form of identification specified by the Company in the manner stipulated by the Company. The Company may also require the applicant to provide such personal particulars, statements and declarations as to the applicant's financial status, standing and/or situation (which, in so providing, the applicant warrants are true and accurate in all respects) as the Company may require at the time of the application to open the Account, and thereafter from time to time as the Company may require until the Account is terminated in accordance with the terms herein. The applicant/Account Holder shall notify the Company in writing of any subsequent changes to such particulars, statements and/or declarations. Until such notice of changes is received by the Company, the Company shall be entitled to rely on the personal particulars, statements and/or declarations provided by the applicant/Account Holder. If the applicant fails to present the required documents for verification purposes within three (3) months of submitting an application form, the application shall be deemed to be withdrawn.

    9. The applicant/Account Holder agrees that the Company shall be entitled to conduct identification, credit and probity checks as part of the verification process from time to time as the Company may deem fit or as may be required by applicable laws, regulations or the relevant authorities (including but not limited to the NCPG). The applicant/Account Holder consents to the Company using or disclosing his/her personal information for lawful purposes and in accordance with the Company's policies. The applicant/Account Holder further consents to the NCPG or other regulatory body providing information relating to any exclusion orders made against him/her under applicable law and regulations to the Company for such purposes. The Company is entitled to suspend or restrict the Account in any manner the Company deems appropriate in its sole and absolute discretion, until such time as the relevant checks are completed to the Company's satisfaction. The Company shall be entitled to reject all applications and transactions from persons excluded

      1. under applicable law or regulations; or

      2. by reason of voluntary self-exclusion arrangements made pursuant to these Terms and Conditions.

    10. Subject to completion of the activation process as required by the Company, the Account Holder may start to place bets through the ABS on the Company's Games, deposit funds, and access such Account-related services as may be offered by the Company via the Internet, mobile and/or any other approved methods.

    11. The Account Holder warrants that all information that he has provided to the Company (including the information in the application form and the documents presented in person) are true, accurate and up-to-date to the best of his/her knowledge. The Account Holder is responsible for updating his/her particulars through the Website or the relevant Mobile App(s) in the event of any changes to such particulars. The Company is entitled to rely on the information as provided by the Account Holder, and the Account Holder shall indemnify the Company for any damages, losses and other consequences arising from the use of or reliance upon any false, inaccurate or dated information provided by the Account Holder.

    12. The Account Holder represents and confirms that the Account is not opened, maintained and/or used for the benefit of any other person, and the Account is opened, maintained and/or used, at all times, for the sole benefit of the Account Holder. The Account Holder shall not allow a person under the age of 21 from using or accessing the Account and undertakes to prevent a person who is below the age of 21 from accessing and/or using the Account.

  4. Username and Account Number

    1. During registration, applicants shall choose their username and password to be used for online betting.

    2. During registration, applicants shall be assigned an AN, and shall choose a PIN to be used for telephone services.

    3. The Account Holder may change his/her PIN or password at any time through the Website, the relevant Mobile App(s) or by such other methods as may be offered and upon such terms as may be stipulated by the Company from time to time in its sole and absolute discretion.

    4. The Company shall be entitled to honour the bet(s) placed through the Account so long as the instructions to place the bet(s) through the ABS have been authenticated by the procedures stipulated by the Company. The Account Holder shall be solely responsible for the security of the information of the Account and any applicable security-related information. The Account Holder shall take all necessary measures to ensure that his/her username, AN, password and PIN are kept confidential at all times. The Company shall not be responsible or liable to the Account Holder or any third party for any loss or claim or damage whatsoever arising from the unauthorised use of the username, AN, password, PIN or Account. In the event that a third party successfully places a bet with the Company using a username and password, or AN and PIN (as the case may be) which matches with those in the Company's records, the Company shall be entitled but shall not be obliged to honour such bet, whether or not the alleged third party had the prior consent or knowledge of the Account Holder, or has misappropriated information relating to the Account of the Account Holder.

    5. The Company reserves the right to invalidate or revoke the use, or require the modification of the username, AN, password and/or PIN for any reason, and the Company shall not be liable to the Account Holder for any loss or damage as a result thereof.

    6. If the Account Holder has forgotten and/or lost his/her password or PIN, the Account Holder may obtain a new password or PIN through the Website by following the instructions provided at the Website or the relevant Mobile App(s).

    7. If the Account Holder believes or has reason to believe that the Account is being misused or has been misused by a third party, the Account Holder shall inform the Company immediately, so that the Company may take the appropriate remedial and/or preventive measures.

    8. For the avoidance of doubt, the Account Holder shall be responsible for all bet(s) placed through the Account so long as the instructions to place the bet(s) through the ABS have been authenticated by the Company's stipulated procedures. The Company shall not be responsible for any claim, loss or damage arising from any use of the Account (whether unauthorized or otherwise) by a third party.

  5. Depositing Funds into The Account

    1. The Account Holder shall be deemed fully aware of the status of his/her Account at all times. The Account Holder cannot place any bet(s) with the Company unless there are sufficient funds in the Account. All bet(s) placed without adequate funds shall not be accepted and shall be deemed void notwithstanding that the Company has acknowledged the instructions to process the bet(s). The Company shall return to the Account any balance of funds used in such bet(s), less any costs or charges incurred as a result of such void bet(s) being executed.

    2. Before the Account Holder places any bet(s) with the Company, the Account Holder shall ensure that there are adequate funds in the Account. The Account Holder may deposit funds into the Account through the following methods:

      1. cash deposit at any of the Company's branches;

      2. NETS deposit at any of the Company's branches;

      3. online through eNETS; or

      4. online through bank-linked arrangement/s, including but not limited to transfers via PayNow.

    3. Deposit requests received by the Company in respect of an Account which has been activated are generally processed on receipt of all necessary information and funds, and subject to any verification processes and/or probity checks which the Company may deem fit to carry out. The Company reserves the right to reject any deposit request in its sole and absolute discretion and for any reason whatsoever, and shall not be liable to the Account Holder for any such rejection. For certain deposit processes (including but not limited to transfers via PayNow) which may process a request for a transfer of funds notwithstanding that verification processes and/or probity checks are still pending, the Company shall arrange for a refund of the funds transferred as soon as reasonably practicable in the event that the aforesaid verification processes and/or probity checks are completed and the Company decides in its sole and absolute discretion and/or for any reason whatsoever that such deposit should not be permitted. In such an event, the Company is entitled to charge the Account Holder a reasonable administrative fee for processing the refund, which may be deducted from the funds to be refunded.

    4. The Company may at its sole and absolute discretion make available to the Account Holder other methods of depositing funds in the Account from time to time, in accordance with such procedures and subject to such limits and/or terms as may be stipulated by the Company. The Company may also at its sole and absolution discretion make unavailable any means of deposit of funds.

    5. The Company reserves the right to set thresholds and guidelines for deposit amounts from time to time, including but not limited to minimum top-up amounts, processing fees or other charges. These thresholds and guidelines shall be made known in publicly available media.

    6. The Company shall not be liable to the Account Holder for any failure, error or delay on the part of the Company and/or any third party in processing deposit requests and/or the crediting of any funds to the Account, and shall be entitled to correct any erroneous entry in the Company's computer systems, without advance notice to the Account Holder, and without any liability to the Account Holder thereof.

    7. It is the Account Holder's responsibility to check on the status of the deposit request, i.e. whether such deposit has been successful, unsuccessful or is pending processing, which status shall be updated by the Company as soon as reasonably practicable on the Website and/or relevant Mobile App(s). The Company shall not be liable for any loss or damage suffered as a result of the Account Holder’s failure to check the transaction status of a deposit request, including where duplicate requests were placed by the Account Holder on the mistaken assumption that the original deposit request had been unsuccessful.

    8. For the avoidance of doubt, the Account Holder shall bear any fees, costs or any other charges pertaining to the Account as the Company may stipulate from time to time and bear the charges as may be imposed by any bank and/or any payment service provider (on the Account Holder and/or the Company) from time to time, regardless of whether the transaction is successful or not, in relation to the operation and use of the Account.

  6. Operating the Account

    1. For online betting, the Account Holder shall place his/her bet(s) in accordance with the procedures stipulated by the Company from time to time in its sole and absolute discretion. Account Holders may only place bets from Singapore. Placing bets through the Website and/or the relevant Mobile App(s) through foreign IP addresses is prohibited.

    2. The Company may impose such minimum stake amounts which may be placed by the Account Holder during each transaction as the Company deems fit in its sole and absolute discretion.

    3. Account Holders are solely responsible for the accuracy of bets placed. Once a bet has been accepted, it cannot be changed or cancelled.

    4. it is the Account Holder's responsibility to check on the transaction status of the bet placed, i.e. whether such bet has been accepted, rejected or is pending processing, which status shall be updated by the Company as soon as reasonably practicable on the Website and/or the relevant Mobile App(s). The Company shall not be liable for any loss or damage suffered as a result of the Account Holder’s failure to check the transaction status of a bet, including where duplicate or repeated bets were placed by the Account Holder on the mistaken assumption that the original bet had not been accepted.

    5. The Company endeavours to maintain a high operating standard of the ABS, but shall be under no liability to the Account Holder for any failure(s) that occur, whether the failure(s) is/are due to technical, human or any other reasons, or whether the failure(s) is/are due to the computer systems used, the operation of the computer systems, the operator of the computer systems or otherwise. Notwithstanding anything in this Agreement, and without prejudice to the generality of the foregoing, the Account Holder agrees that all bet(s) placed within a particular transaction shall be deemed to be unsuccessful and shall be rejected by the Company in the event of failure/breakdown in the ABS resulting in the inability of the ABS to process or accept bet(s) placed by the Account Holder for any reason whatsoever.

    6. The Account Holder agrees that the Company may but is under no obligation to process or accept any or all bet(s) placed within the particular transaction if the Account Holder fails, for any reason whatsoever, to comply with the bet placement procedure as may be stipulated by the Company from time to time, or places or attempts to place a bet in contravention of these Terms & Conditions. Should the Company process and accept such bet(s) placed by the Account Holder, the Account Holder shall be bound by such bet(s). The Company reserves the right not to accept the whole or part of any bet placed by the Account Holder in any medium, channel or platform in respect of the Account without giving any reason whatsoever. The Company shall not be liable for any loss, damage, costs or expenses suffered by the Account Holder as a result of any such non-acceptance by the Company.

    7. The Account Holder agrees that no interest will be paid by the Company on any deposit balance in the Account.

    8. The Company reserves the right to refuse, reject, suspend or terminate without prior notification any Account in respect of which there has been an attempt or reasonable suspicion of an attempt to cheat, hack, attack, manipulate or damage the Company's normal betting operations, including through the use of artificial intelligence or "bots", and any bets placed using such means shall be deemed invalid and void.

  7. Account Limits and Safeguards

    1. At the point of application to open an Account, an Account Holder shall set a Monthly Deposit Limit and a Monthly Betting Limit on his/her Account.

    2. The Account Holder may change the Monthly Deposit Limit and the Monthly Betting Limit through the Website or the relevant Mobile App(s). Any increase in these limits shall take effect only after 24 hours from the receipt and acceptance by the Company of a valid request. However, a reduction in the limits shall take effect immediately upon receipt and acceptance by the Company of a valid request. Each valid request to change the Monthly Deposit Limit or the Monthly Betting Limit shall supersede the valid request for change made immediately prior thereto.

    3. An Account Holder shall have the option to exclude himself from all activity on his/her Account by submitting a self-exclusion request to NCPG. For the avoidance of doubt, during the exclusion period, the account cannot be used for any betting or deposits. The Account Holder may submit a request to NCPG to remove the self-exclusion and enable use of the Account. The Company shall not be liable to the Account Holder for any failure for any reason whatsoever to accept or comply with a self-exclusion request and/or an enablement request.

    4. An Account Holder shall not link his/her Account to or deposit funds into his/her Account which are withdrawn from a bank account that is (a) a joint account; (b) an account with an overdraft facility; and/or (c) a corporate account. For any deposit or withdrawal of funds into or from the Account, should the Company be unable to verify that such deposit or withdrawal is into or from an account linked to the Account Holder (including without limitation, where the name of holder of the bank account that the funds are being deposited into or withdrawn from does not match the name of the Account Holder in the Company’s records, or the mobile number associated with the PayNow account that the funds are being deposited into or withdrawn from does not match the mobile number associated with the Account Holder in the Company’s records), the funds transfer will not be processed. It is the responsibility of the Account Holder to ensure that his details in the Company’s records are accurate and kept updated.

  8. Account Holder's Instructions

    1. The Account Holder agrees that the Company is not required to seek further authority from the Account Holder in respect of all instructions authenticated by the username, AN, password, PIN, OTP and/or such other verification process as stipulated by the Company. However, the Company is entitled to, at its sole and absolute discretion, verify any instructions received that purportedly originate from the Account Holder, before acting in accordance with such instructions, and the Company reserves its rights not to proceed with any such instructions, if such instructions cannot be so verified. The Company shall not be held liable for any claim, loss or damage arising out of or in connection with the Company acting or not acting in accordance with such instructions.

    2. In the event the instruction(s) given by the Account Holder to the Company is regarded by the Company to be ambiguous, contradictory or conflicting, the Company may either regard these instructions as void or may act upon these instructions based on good faith and on the Company's reasonable assumptions as to what such instructions mean. The Account Holder agrees to waive and release the Company from any and all claims and to indemnify the Company against all losses, damages, costs, expenses and liability suffered by the Company as a result of the Company regarding the instructions as void, or acting in the above mentioned manner.

    3. The Company is entitled to, at its sole and absolute discretion, verify any instruction received that purportedly originates from the Account Holder, before acting in accordance with such instructions, and the Company reserves its rights not to proceed with any such instructions, if such instructions cannot be so verified. The Company shall not be held liable for any claim, loss or damage arising out of or in connection with the Company acting in accordance with or not acting in accordance with such instructions.

    4. The Company reserves its rights not to accept any instructions without giving any reason whatsoever. The Company shall not be liable for any loss or damage suffered by the Account Holder arising out of or in connection with the Company accepting or not accepting the instructions from the Account Holder.

    5. The Account Holder agrees to accept all records of the Company as conclusive and binding against the Account Holder for all purposes.

  9. Access to and Use of The Website and Software

    1. Subject to the Website Terms and Conditions, the Company authorizes the Account Holder to access the Website and to use the Software for as long as the Account is activated and is used in compliance with these Terms and Conditions.

    2. The Account Holder shall not knowingly:

      1. obtain unauthorized access to the Website or Software;

      2. obtain unauthorized access to another Account Holder's Account.

  10. Prize Payments

    1. Where the Account Holder is entitled to prize payments in accordance with the applicable Game Rules, the prize payments shall be transferred/credited to the Account, in accordance with the payment procedures stipulated by the Company from time to time, and at such time and in such intervals as may be determined by the Company at its sole and absolute discretion. Prize payments which have been erroneously transferred or credited to the Account Holder are recoverable from the Account Holder as a debt due. In such event, the Company shall be entitled at any time to commence legal proceedings or take such action as it deems fit to recover any excess payment made to the Account Holder, including but not limited to setting off such excess payment against funds available in the Account.

    2. Where there is evidence of any rigging of any event, which is the subject of any bet(s) placed with the Company, the Company reserves the right to withhold prize payments in respect of such bet(s) pending the outcome of any investigation, and/or to ultimately declare bet(s) on that event as void. In that event, the Company shall return to the Account, any balance of funds used in placing such bet(s) after deducting any fees, costs or charges as may be levied by the Company in its sole and absolute discretion for processing such bet(s).

  11. Withdrawal and Refund Of Monies In Account

    1. The Account Holder may withdraw the funds in the Account by such methods and upon such terms as may be stipulated by the Company from time to time.

    2. The Account Holder must make a request to the Company for the withdrawal of funds through the Website, the relevant Mobile App(s) or other means made available by the Company for the purpose of receiving such requests. The withdrawal amount shall either be the full account balance or be subjected to thresholds or guidelines set by the Company from time to time, including but not limited to minimum withdrawal amount, processing fees or other charges. These thresholds and guidelines shall be made known in publicly available media. The withdrawal amount shall be unavailable for betting once a withdrawal request has been made. In the event that there are insufficient funds for withdrawal in the Account, the Account Holder's request for withdrawal shall be rejected and deemed invalid and void.

    3. It is the Account Holder's responsibility to check on the status of the withdrawal request, i.e. whether such withdrawal has been successful, unsuccessful or is pending processing, which status shall be updated by the Company as soon as reasonably practicable on the Website and/or the relevant Mobile App(s). The Company shall not be liable for any loss or damage suffered as a result of the Account Holder’s failure to check the transaction status of a withdrawal request, including where duplicate requests were placed by the Account Holder on the mistaken assumption that the original withdrawal request had been unsuccessful.

    4. Save for requests for funds withdrawal via bank-linked electronic methods such as PayNow, FAST and other such methods as may be offered by the Company, which requests may not be cancelled or withdrawn by the Account Holder once made, the Account Holder may seek to cancel his/her funds withdrawal request by cash or cheque which have yet to be successfully processed, through the Website, the relevant Mobile App(s) or other means made available by the Company. Upon successful cancellation, the withdrawn amount shall be released back to the account as soon as reasonably practicable.

    5. The Company may stipulate the method, operating hours, restrictions and other guidelines for withdrawal of funds.

    6. Where the withdrawal request is for funds to be collected by cash / cheque at the Company's Premises or branch, the Account Holder must collect the funds within 48 hours after his/her request or at such timings as may stipulated by the Company, which shall in any event be prior to the close of business, and at the Company's Premises or branch as stipulated in the request, as the case may be. Should the Account Holder fail to collect the funds within the aforesaid timeline, the Account Holder's request for funds withdrawal shall be deemed cancelled upon the expiry of the aforesaid timeline, and the funds will be released back to the Account.

    7. The Account Holder shall present a duly completed withdrawal form and a valid photo ID containing his/her NRIC, Foreign Identification Number or passport number to the Company at the time of collection of the funds. The Account Holder must collect the funds in person. The Company reserves the right not to make payment of the funds if the Account Holder is not present, has presented an invalid or unverifiable photo ID, or if the information or data on the duly completed withdrawal form (including but not limited to amount of funds to be withdrawn) is contradictory to or conflicting with the information or data as recorded in the Company's computer systems.

    8. After an Account has been terminated for any reason whatsoever, any funds in the Account including winnings credited to the Account, may be withdrawn by way of cheque within five (5) years from the date of termination of the Account. All monies remaining in an Account five (5) years after the termination of the Account shall be forfeited by the Company. The Company will not entertain any request for withdrawal of funds using any other methods, or enter into correspondence in relation to any other matter relating to or arising out of the Account, after the Account has been terminated.

    9. The Company may from time to time stipulate the maximum balance permitted to be left in the Account. Any balance in excess of the limit stipulated by the Company may be transferred to the bank account nominated by the Account Holder, where available, without any reference to the Account Holder. Should the nominated bank account be closed or be non-operational, the Account Holder will have to request withdrawal of any monies therein by any modes specified by the Company from time to time.

  12. Termination of Account

    1. The Company is entitled to freeze, suspend, terminate and/or close the Account at any time, due to any or any combination of the following reasons:

      1. the Company is directed to do so by any regulatory, law enforcement or judicial authority;

      2. failure by the Account Holder to comply with any of the Terms and Conditions;

      3. provision of misleading or false registration information by the Account Holder;

      4. placing bets by the Account Holder for illegal purposes;

      5. placing bets by the Account Holder from a jurisdiction where remote betting is prohibited;

      6. suspicious transactions by the Account Holder;

      7. inactivity on an Account for more than 5 years or such other period as may be notified by the Company from time to time;

      8. the Account Holder does not respond in a timely or satisfactory manner upon any request by the Company for further information and documents from the Account Holder arising from the Company’s customer due diligence measures and/or requirements under Singapore laws and regulations;

      9. the Account Holder is the subject of casino exclusions under the Casino Control Act 2006, the Gambling Control Act 2022 or any other problem-gambling measures that may be imposed by National Council on Problem Gambling (“NCPG”) or any Singapore Government bodies and statutory organisations from time-to-time.

      10. The Company is notified or becomes aware of any application or petition to declare the Account Holder bankrupt;

      11. The Company is served a garnishee order or mareva injunction in relation to the Account; and

      12. any other valid and proper reason which the Company may in its sole and absolute discretion decide.

    2. The Account Holder may close an Account over the telephone, provided that the instruction to close the Account has been properly authenticated and the Account Holder has complied with all such procedures as the Company may determine at its sole and absolute discretion. In addition to the foregoing, the Account Holder may close an Account through such other means as the Company may from time to time make available to the Customer.

    3. The Company shall be entitled to forfeit any credit balance in a closed Account which is not collected by the Account Holder within five (5) years from the date of termination of the Account.

    4. Closure of the Account shall result in the termination of any direct debit authorization and/or bank-linked payment arrangements deemed necessary by the Company.

    5. Any termination effected by the Account Holder or the Company, shall not affect any Unsettled Bets and is without prejudice to any antecedent breaches committed by or accrued liabilities of the Account Holder. Should the Account Holder accrue winnings from such Unsettled Bets, such winnings will be credited to the Account. It is the Account Holder’s responsibility to contact the Company to withdraw these winnings, in accordance with Clause 11.

    6. No refund of the subscription fee shall be made by the Company to the Account Holder for the services and/or facilities and/or any Mobile Apps paid prior to termination of the subscription.

  13. Indemnity, Disclaimers and Liabilities

    1. The Account Holder acknowledges that:

      1. the Company's Games are games involving an element of chance;

      2. he/she enters into any betting transactions on his/her own volition and at his/her own discretion;

      3. the making available of Games, the Account, the ABS and other account-related services by the Company does not constitute an offer or solicitation or promotion of gambling on the Company's part;

      4. he/she risks losing his/her stake; and

      5. the Company will not be liable for any losses incurred by him/her through his/her participation in the Games.

    2. The Account Holder shall in all circumstances accept full responsibility for all instructions sent to and received by the Company (whether via computer or any other electronic devices). The Account Holder acknowledges that computer transmissions or any other transmissions by any other electronic devices are not secure means of giving payment or bet placement instructions, may be susceptible to errors (whether due to technical, human or other reasons), and that the Account Holder is aware of the risks involved in such transactions. In accepting and processing these instructions from the Account Holder, the Company shall not be liable for any loss suffered by the Account Holder, and the Company is not required to seek further authority from the Account Holder. Such instructions as processed by the Company (whether accurately or erroneously for whatever reasons) shall be valid and binding on the Account Holder. The Company also reserves the right not to accept any instructions from the Account Holder without giving any reason whatsoever.

    3. By placing a bet through the ABS, the Account Holder is deemed to have made an offer to bet with the Company, which the Company may choose to accept or reject at its sole and absolute discretion. Unless otherwise permitted by the Company, the Account Holder shall not withdraw his/her offer to bet or make any changes to the details of his/her bet while the Company is processing the Account Holder's bet, and pending the Company's acceptance or rejection of the Account Holder's offer to bet. Where a Counter Offer is made by the Company, the Account Holder will be given the option to either accept or reject the Counter Offer. It is the responsibility of the Account Holder to ensure that details of any bet(s) placed with the Company (including the Counter Offer that is accepted by the Account Holder) are correct, to await notification from the Company as to whether the Account Holder's original offer to bet is accepted or rejected, and to check on the status of his/her offer to bet (and where applicable, of a Counter Offer) via the bet history records as may be provided by the Company. Every bet which the Account Holder originally places with the Company may be accepted by the Company if the Account is debited successfully for a bet and the Company receives confirmation from the ABS that the betting transaction is successful. Every Counter Offer that is accepted by the Account Holder shall be conclusive and binding on the Account Holder. All original bet(s) accepted by the Company and all Counter Offers accepted by the Account Holder shall be irrevocable, and cannot be changed, cancelled or withdrawn by the Account Holder, unless otherwise agreed between the Company and the Account Holder.

    4. The Account Holder agrees to be fully and personally liable for the due settlement of every bet placed under the Account.

    5. The Account Holder agrees that his/her bet placements are not in reliance on any representations, advices, views, opinions, statements, suggestions, recommendations or information made by the Company's employees, servants, agents or contractors. The Account Holder acknowledges that the Company's employees, servants, agents or contractors in so giving any representations, advices, views, opinions, statements, suggestions, recommendations or information are not doing so on behalf of the Company. Any such representations, advices, views, opinions, statements, suggestions, recommendations or information, if given, must therefore be regarded as having been made in the person's own private capacity. In any event, the Account Holder agrees not to hold the Company (whether directly or indirectly) liable for any loss suffered by the Account Holder as a result of reliance on such representations, advices, views, opinions, statements, suggestions, recommendations or information.

    6. The Account Holder shall not participate or attempt to participate in any betting or usage of the Account by methods, means or ways not intended or permitted by the Company, including but not limited to placing bet(s) using accounts other than the Account of the Account Holder, or allowing third parties to place bet(s) using the Account of the Account Holder. Should a breach of this provision occur, the Company shall be entitled to refuse, discontinue or reverse any betting placed through the ABS, and to terminate the Account of the Account Holder.

    7. The Account Holder agrees that the Company may collect, use and disclose his/her personal data, as obtained by the Company through the Account opening procedures, for the following purposes in accordance with the Personal Data Protection Act 2012 and the Company's data protection policy which is available on the Website:

      1. Processing of the account opening application;

      2. Administration of the account;

      3. Compliance with the Company's statutory and regulatory obligations, including but not limited to fraud investigation, anti-money laundering or preservation of sports / horse racing integrity;

      4. Sending notifications and messages to the Account Holder, including marketing messages;

      5. Conducting surveys, focus group discussions and to obtain feedback;

      6. For any person that the Company in good faith considers to be appropriate for the purpose of providing the services to the Account or of operating the Account set out herein, including any agents or contractors which may have agreed to perform works or services for the Company in relation to the operation of the Account or provision of any service to the Account Holder; and

      7. Purposes which are reasonably related to the aforesaid.

    8. The ABS is not to be used for betting or any other purposes which are prohibited by applicable law. By accessing the ABS and/or placing bets with the Company, the Account Holder warrants that he/she is legally able to access the ABS and to place bets with the Company.

    9. The Company warrants that it has obtained a certificate of exemption under section 26 of the Remote Gambling Act (No. 34 of 2014) and is legally entitled to provide remote gambling services under the laws of Singapore.

    10. Subject to availability, the Account Holder may use the Website and/or the relevant Mobile App(s) to access the Account's transaction history for up to the preceding 6 months (or 26 weeks) or request a physical copy of the record of such transaction history to be mailed to the Account Holder without charge, for up to one request per month. The Company shall be entitled to levy an administrative charge on the Account Holder for requests for printouts beyond this monthly limit. In addition, should the Account Holder request access to his/her past transaction history extending beyond the preceding 6 months (or 26 weeks), the Company shall be entitled to levy an administrative charge on the Account Holder for every month of transaction history requested beyond the preceding 6 months or for every additional week of statements requested beyond the preceding 26 weeks for processing and fulfilling such requests. The Company will only keep an Account's transaction and information history for up to a maximum of 5 years.

    11. It may be unlawful by the laws of some jurisdictions for gambling-related articles or materials to be posted, conveyed or communicated by post or by any other means. Where the Applicant provides a foreign address to the Company pursuant to these Terms and Conditions, the Applicant warrants and represents that it is permissible under the laws of the foreign jurisdiction where the foreign address provided is located for the Company to post, convey or communicate by post or any other means any Materials to the Account Holder. The Applicant shall indemnify and hold the Company harmless from and against any loss, damage, cost, liability or expense (including legal fees), whether direct or indirect, arising from the reliance by the Company of the foregoing warranty and representation by the Applicant. Notwithstanding the above, the Company may, in its sole and absolute discretion, decide not to send any Materials to the foreign address provided by the Applicant. In such event, the Company shall not in any way be liable to the Applicant for any damage, loss or expenses suffered or incurred arising or resulting from the Company's decision thereof.

    12. The Account Holder shall not hold the Company liable for any loss or damage whatsoever incurred by the Account Holder as a result of the use and operation of the Account, whether by the Account Holder or otherwise.

    13. The Company shall not be liable to the Account Holder for any failure, error or delay on the part of the Company in activating the Account, debiting or crediting to the Account of any funds, winnings, prize payments or otherwise in implementing the transfer of funds to the Account notwithstanding that the failure, error or delay is due to the malfunctioning of the Company's systems, equipment, or of any computer systems, or to any other causes (including without limitation, the negligence of the Company). In addition, the Company shall not be liable to the Account Holder for any failure, error or delay from onerous and/or erroneous banking transactions which results in loss to the Account Holder. Further, where there is any shortfall or amount owed to the Company by the Account Holder arising from the occurrence of any errors or technical glitches, the Company shall be entitled to recover such shortfall or amount as a debt due, including by debiting the Account for such shortfall or amount without advance notice to the Account Holder of such debiting, and the Company shall not be liable to the Account Holder in respect thereof.

    14. It is the responsibility of the Account Holder to ensure that all information provided to the Company to effect any deposit of funds to or withdrawal of funds from the Account is accurate. The Company shall not be liable to the Account Holder for any losses suffered or expenses incurred arising from inaccurate information provided by the Account Holder to effect any deposit of funds to or withdrawal of funds from the Account. In such an event, the Company may, but is not obliged to, assist the Account Holder to recover the funds, and if it does, may charge the Account Holder a reasonable administrative fee for doing so.

    15. With regard to Clause 7.3, the Company shall not be liable to the Account Holder for any losses suffered or expenses incurred arising from any failure or omission by the Company to implement any self-exclusion system involving the Account Holder, including without limitation, any erroneous re-enablement of the Account or any failure to lock the Account or prevent the Account Holder from placing bets notwithstanding that such a self-exclusion system is in effect.

    16. The Account Holder shall indemnify and keep indemnified the Company from and against all actions, demands, liabilities, obligations, losses, damages, costs (including but not limited to interests, legal fees on an indemnity basis and expenses of whatever nature, whether actual or contingent) suffered or incurred, sustained by or threatened against the Company whatsoever and howsoever arising from or in connection with or in any way relating to the acceptance of the Company in good faith of any payment instructions received via electronic means or otherwise, given or signed by or on behalf of the Account Holder; or in consequence of the Account Holder's non-observance or breach of these Terms and Conditions.

    17. In no event shall the Company be liable for lost profits, lost opportunity or any special, indirect, incidental, consequential or other loss or damage whatsoever and howsoever arising out of or in connection with the services herein provided by the Company.

    18. The Company shall not be liable in any way to the Account Holder in the event of force majeure, or for the act of God, or for the act of any government or legal authority, or for the act of any third party, or for the failure of or damage or destruction to, any computer systems, data, records or any part thereof, or for delays, losses, errors or omissions resulting from the failure or management of any telecommunications systems or for failure, breakdown, interruption or malfunctioning of any computer hardware or software or internet or other communications media, or for any delay, interruption or failure in the performance of its services herein, including but not limited to, situations caused by poor transmission or interference in the transmission of instructions.

    19. In relation to the Account Holder's use of any of the Company's remote-communications platforms (including but not limited to the Websites, Mobile Apps and telephone services), the Account Holder irrevocably agrees that the Company shall not be liable for any losses or damages in relation to any error or failure in the information or data displayed on or recorded through such platforms, or the transmission of any data through such platforms, regardless of whether the error or failure arises from the Company's negligence, default or otherwise.

    20. In relation to the horse racing games, the Account Holder acknowledges and agree that, prior to the start of race, the Company shall only be obliged to display in the race-course, betting centres, and on the Website and Mobile Apps up to 3 bet combinations, with the highest aggregate pool of bets, in relation to any bet types, and the Account Holder agrees that this shall be deemed as the Company having provided full and complete information of a race to the Account Holder prior to the start of race.

    21. The Account Holder acknowledges and agrees that the provisions in this Clause 13 are a fair and reasonable allocation of risk and that these provisions shall be enforceable to the fullest extent permitted by the applicable law.

    22. The Account Holder recognises that failure to comply with the Terms and Conditions may render him/her liable to civil and/or criminal liability depending on the provision breached and the severity of the breach.

  14. Legal Relationship

    1. The acceptance by the Account Holder of these Terms and Conditions constitutes a legally binding contract, which shall regulate the relationship between the Company and the Account Holder in respect of all activities related to the Account, including activation, operation, withdrawal and termination thereof. Nothing in these Terms and Conditions shall create a partnership, joint venture or trust relationship between the Account Holder and the Company, and neither party shall be deemed an agent, partner, employee, trustee or fiduciary of the other party in connection with the monies in the Account and the performance of any obligations under these Terms and Conditions. Nothing in these Terms and Conditions shall be construed as providing for the sharing of profits or losses arising out of the efforts of either or both of the parties.

  15. Miscellaneous

    1. A reference to the Company includes its employees, servants, agents, contractors and representatives, and/or any of the Company's successors and assigns.

    2. In the event of death of the Account Holder, the Company shall be absolutely protected and free from any liabilities in acting in relation to the Account under these Terms and Conditions until the Company receives actual notice and proof of death from the legal representative(s) of the deceased Account Holder. In the event of death of the Account Holder, the legal representative(s) will alone be recognized by the Company as having authority to act under these Terms and Conditions for the deceased Account Holder.

    3. If any term or provision of these Terms and Conditions is held to be illegal or unenforceable, the validity or enforceability of the remainder of these Terms and Conditions shall not be affected.

    4. The failure by the Company to enforce at any time the provisions of these Terms and Conditions or any rights in respect thereto shall in no way be considered to be a waiver of such provisions or rights, or in any way affect the validity of these Terms and Conditions.

    5. The Account Holder may not and shall not assign the whole or any part of his/her interests under the Account to any other party.

    6. The Company reserves the right to amend these Terms and Conditions from time to time. The latest version of these Terms and Conditions will be posted on the Website. It is the responsibility of the Account Holder to read and be familiar with these Terms and Conditions and any amendments made thereto. By continuing to use the Account, the Account Holder will be taken to have accepted the prevailing version of these Terms and Conditions.

    7. In the event of a conflict between these Terms and Conditions and any of the Game Rules, these Terms and Conditions shall prevail unless explicitly stated otherwise in the conflicting Game Rule(s).

    8. The Company reserves the right to add or discontinue any Games offered from time to time at its sole and absolute discretion.

    9. Any notice or other communication required by this Agreement to be given by the Account Holder shall be given in writing to the Company unless otherwise expressly stated in these Terms and Conditions. All announcements and information posted by the Company at the Website shall be deemed to have been read by the Account Holder.

    10. A person who is not a party to this contract between the Account Holder and the Company under these Terms and Conditions, shall have no rights under the Contracts (Rights of Third Parties) Act 2001.

  16. Governing Law And Jurisdiction

    1. The Account and the operation thereof, and these Terms and Conditions shall be governed by the laws of Singapore, and the Account Holder hereby agrees to submit to the non-exclusive jurisdiction of the Courts of Singapore.

  17. Money Laundering and Other Offences

    1. The Account Holder shall not use the Account for the Prohibited Purposes. The Company reserves the right to suspend and/or close the Account without notice, and/or to refuse, discontinue or reverse any betting placed through the ABS should the Company have reasons to believe that the Account has been used for the Prohibited Purposes. The Account Holder shall be deemed aware of the legal consequences of engaging in any activity relating to the Prohibited Purposes, including but not limited to criminal liability under the Penal Code 1871, the Terrorism (Suppression of Financing) Act 2002 and the Corruption, Drug Trafficking And Other Serious Crimes (Confiscation of Benefits) Act 1992.

  18. Dissemination of Marketing Materials and Information

    1. The Account Holder shall in this application indicate through the Website and/or the relevant Mobile App(s), specifically whether marketing materials and information about the Company's products and services should be sent to the Account Holder via various channels whereupon the Company will be given absolute right by the Account Holder to send to the Account Holder through those channels.

  19. Application for Live Streaming of Games via Mobile or Web Application

    1. The Account Holder may subscribe for Live Streaming Services via the Website, the relevant Mobile App(s) or such other application as may be made available by the Company, at such monthly subscription fee rates to be determined by the Company at its absolute discretion from time to time. The monthly subscription fee rates shall be made known in publicly available media. A non-Account holder may not subscribe for this service.

    2. Subscription fees are to be paid by the Account Holder in advance of the month of subscription to the Live Streaming Services. No subscription fee paid by the Account Holder shall be refundable whether in whole or in part by the Company to the Account Holder, including following the termination of an Account and/or early termination of the subscription to the Live Streaming Services.

    3. The Company shall not be liable to pay for any direct or indirect loss, costs, and/or damages, or refund any portion or all of the subscription fee to the Account Holder for any Live Streaming Services delays (latency or otherwise), disruptions, and/or cancellations of the transmission of live streaming for any reason whatsoever.

    4. The Account Holder agrees that provision of the Live Streaming Services via the Website, Mobile Apps or such other application as may be made available by the Company, shall occur at the Company's absolute discretion, and shall be available for selected events or races, during operating hours or race days as determined by the Company at its absolute discretion.

    5. The Account Holder accepts that images or videos streamed through the Live Streaming Services are the exclusive intellectual property of the Company. No part of any video or image streamed through the Live Streaming Services may be reproduced, recorded, distributed, or transmitted in any form or by any means, without the prior written permission of the Company. In particular, the Account Holder agrees not to use the videos or images streamed through the Live Streaming Services for any illegal purposes, or for any purposes not expressly permitted by the Company in writing.

    6. In the event that approval for Live Streaming Services provided by the Company is withdrawn by any such body or authority permitted to grant such approval, the subscription to Live Streaming Services shall immediately terminate. The Company shall refund the subscription fee paid on a pro-rata basis for the outstanding period of subscription following termination.