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Terms and Conditions

Effective from: August 24th, 2020

Last updated: December 2nd, 2022

1. GENERAL

1.1 Before using our website, please read these Terms and Conditions carefully. By registering a Player Account with the website, you agree and confirm your consent with the Terms and Conditions.

1.2 The website www.yoju.casino ("Casino", "Website", “Company”, "We", "Us", "Our")is owned and operated by Dama N.V. that is incorporated under the laws of Curacao with company registration number 152125 and having its registered address at Scharlooweg 39, Willemstad, Curaçao. Dama N.V. is operating under E-gaming license No. 8048/JAZ2020-13 issued by Antillephone N.V. authorized by the government of Curacao.

Friolion Ltd. is a company incorporated under the laws of Cyprus with company registration number ΗΕ 419102 and having its registered address at Leandrou, 12A 3086, Limassol, Сyprus. Friolion Ltd. is a facilitating company within DAMA group. DAMA group is operating under E-gaming licenses of Curacao(8048/JAZ2020-13), Estonia (HKL000255). All payments with Paysafe are made via Dama N.V. It is the player’s sole responsibility to inquire about the existing laws and regulations of the given jurisdiction for online gambling.

1.3 Bonus Terms and Conditions is an Annex to the Terms and Conditions and has the same legal power.

1.4 Client (User, Player) is a person who has completed a registration on the Website.

1.5 The Casino reserves the right to unilaterally change these Terms and Conditions when there is a vital need. We will make every effort to ensure our players have up-to-date information on any significant changes. Still, it’s the User sole responsibility to check the page for possible changes regularly.

1.6 The English version of the Terms & Conditions shall always prevail in case of any discrepancy or inconsistency between the English version and its translation.

2. WHO CAN PLAY

2.1 The Casino accepts players only from those countries and geographic regions where online gambling is allowed by law. Find out if the casino games are legal in your jurisdiction before registration and placing bets on our website. Remember, it's the player's sole responsibility to inquire about the existing gambling laws and regulations of the given jurisdiction before placing bets on the website.

2.2 The Casino accepts strictly adult players (minimum 18-years-old) only and players who have reached the age specified by the jurisdiction of player's place of residence as eligible for online gaming. Learn the age limitations for online gambling in your country before the registration. It's the player's responsibility to inquire about the existing laws and regulations of the given jurisdiction regarding age limitations for online gambling.

2.3 Real funds depositing and real money games are subject to your country's laws. Meaning, since you are registered, you accept all responsibilities related to the gambling regulation in your jurisdiction. It is entirely and solely your responsibility to enquire and ensure that you do not breach laws applicable to you by participating in the games.

2.4 We can ask you to prove your identity, especially the age and country of residence. These measures are required before your first funds withdraw and can be repeated to make sure that you comply with our policies. In case we find that you fail to meet requirements, determined by these Terms & Conditions, we can limit your access to the website or suspend the Player Account.

2.5 Users from the following countries and their territories (“Restricted Countries”) are not allowed to deposit and play real money games: Albania, Angola, Barbados, Belgium, Burkina Faso, Cayman Islands, Central African Republic, Curacao, Côte d'Ivoire, Czech Republic, Democratic Republic of the Congo, Dutch West Indies, Eritrea, Ethiopia, France and its overseas territories(Guadeloupe, Martinique, French Guiana, Réunion, Mayotte, St. Martin, French Polynesia, Wallis and Futuna, New Caledonia), Gibraltar, Greece, Haiti, Iran, Iraq, Israel, Jamaica, Jersey, Lebanon, Liberia, Libya, Lithuania, Mali, Mauritius, Myanmar, Netherlands, Nicaragua, North Korea, Pakistan, Panama, Portugal, Republic of the Congo, Rwanda, Serbia, Sierra Leone, Somalia, South Sudan, Spain, Sudan, Syria, Sweden, Uganda, Ukraine, United Kingdom, United States of America, Yemen, Zimbabwe.

If you are breaching Restricted Countries policy, then we cannot guarantee your withdrawals and refunds successful processing. We also do not ensure the effectiveness of any interactions with the Casino that imply the use of real money.

2.6 We provide rules and explanations for games that are presented separately on the Website and are included in this instruction by reference.

2.7 Players from the following countries are not eligible for bonuses(both deposit and non-deposit): countries listed in 2.5 + Anguilla, Bulgaria, Bosnia and Herzegovina, Croatia, Estonia, Finland, Greece, Hungary, Kazakhstan, Macedonia, Republic of Moldova, Indonesia, Philippines, Georgia, Sierra Leone, Spain, France, Turkey, Slovakia.

3. AVAILABILITY OF GAMES

3.1 Please bear in mind that some games may be unavailable in certain jurisdictions, as required by the policies of game providers which may change from time to time.

Using VPN to bypass provider block is strictly forbidden and may lead to confiscation of winnings.

3.2 NetEnt games are unavailable for Afghanistan, Albania, Algeria, Angola, Australia, Bahamas, Botswana, Belgium, Bulgaria, Colombia, Croatia, Czech Republic, Denmark, Estonia, Ecuador, Ethiopia, France, Ghana, Guyana, Hong Kong, Italy, Iran, Iraq, Israel, Kuwait, Latvia, Lithuania, Mexico, Namibia, Nicaragua, North Korea, Pakistan, Panama, Philippines, Portugal, Romania, Singapore, Spain, Sweden, Switzerland, Sudan, Syria, Taiwan, Trinidad and Tobago, Tunisia, Uganda, United Kingdom, United States of America, Yemen, Zimbabwe.

3.3 In addition to the above, Street Fighter Video Slot is not available for the following countries: Anguilla, Antigua & Barbuda, Argentina, Aruba, Barbados, Bahamas, Belize, Bermuda, Bolivia, Bonaire, Brazil, British Virgin Islands, Canada, Cayman Islands, China, Chile, Clipperton Island, Columbia, Costa Rica, Cuba, Curacao, Dominica, Dominican Republic, El Salvador, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Japan, Martinique, Mexico, Montserrat, Navassa Island, Paraguay, Peru, Puerto Rico, Saba, Saint Barthelemy, Saint Eustatius, Saint Kitts and Nevis, Saint Lucia, Saint Maarten, Saint Martin, Saint Pierre and Miquelon, Saint Vincent and the Grenadines, South Korea, Suriname, Turks and Caicos Islands, United States of America, Uruguay, US Virgin Islands, Venezuela.

3.4 Fashion TV Video Slot is not available in the following countries: Cuba, Jordan, Turkey, Saudi Arabia.

3.5 Planet of the Apes Video Slot is not available in the following territories: Azerbaijan, China, India, Malaysia, Qatar, Russia, Thailand, Turkey, Ukraine.

3.6 Vikings Video Slot is not available in the additional jurisdictions: Azerbaijan, Cambodia, Canada, China, France, India, Indonesia, Laos, Malaysia, Myanmar, Papua New Guinea, Qatar, Russia, South Korea, Thailand, Turkey, Ukraine, United States of America.

3.7 Narcos Video Slot is not available in the following territories: Indonesia, South Korea.

3.8 Additionally, Universal Monsters (Dracula, Creature from the Black Lagoon, Phantoms Curse and The Invisible Man), are only available in the following territories: Andorra, Armenia, Azerbaijan, Belarus, Bosnia and Herzegovina, Georgia, Iceland, Liechtenstein, Moldova, Monaco, Montenegro, Norway, Russia, San Marino, Ukraine, North Macedonia, Turkey, Austria, Cyprus, Finland, Germany, Greece, Hungary, Ireland, Luxembourg, Malta, Netherlands, Poland, Slovakia and Slovenia.

4. ACCEPTED CURRENCIES

4.1 The Casino allows registering and playing for the following currencies: EUR, USD, CAD, AUD, NZD, NOK, PLN, JPY, INR and crypto: BTC, BCH, ETH, LTC, DOG, USDT, ADA, TRX.

4.2 Exchanging one(any) currency to another is not possible.

5. FEES AND TAXES

5.1 You are fully responsible for paying all fees and taxes applied to your winnings according to the laws of the jurisdiction of your residence.

6. GAME RULES

6.1 By accepting these Terms and Conditions you confirm that you know and understand the rules of the games offered on the Website. It is at your discretion to familiarize yourself with the theoretical payout percentage of each game.

7. DISCLAIMER OF LIABILITIES

7.1 By accepting these Terms and Conditions you confirm your awareness of the fact that gambling may lead to losing money. The Casino is not liable for any possible financial damage arising from your use of the Website.

7.2 The Casino is not liable of any hardware or software defects, unstable or lost Internet connection, or any other technical errors that may limit access to the Website or prevent any players from uninterrupted play.

7.3 In the unlikely case where a wager is confirmed or a payment is performed by us in error, the Company reserves the right to cancel all wagers accepted containing such an error, or to correct the mistake by re-settling all the wagers at the correct terms that should have been available at the time that the wager was placed in the absence of the error.

7.4 If the Casino mistakenly credit your Player Account with a deposit, bonus or winnings that do not belong to you, whether due to a technical issue, error in the paytables, human error or otherwise, the amount and/or the winnings from such bonus or deposit will remain the Casino property and will be deducted from your Player Account. If you have withdrawn funds that do not belong to you prior to us becoming aware of the error, the mistakenly paid amount will (without prejudice to other remedies and actions that may be available at law) constitute a debt owed by you to us. In the event of an incorrect crediting, you are obliged to notify us immediately by email.

7.5 The Casino, its directors, employees, partners, service providers:

  • do not warrant that the software or the Website is/are fit for their purpose;

  • do not warrant that the software and Website are free from errors;

  • do not warrant that the Website and/or games will be accessible without interruptions;

  • shall not be liable for any loss, costs, expenses or damages, whether direct, indirect, special, consequential, incidental or otherwise, arising in relation to your use of the Website or your participation in the games.

7.6 You hereby agree to fully indemnify and hold harmless the Casino, its directors, employees, partners, and service providers for any cost, expense, loss, damages, claims and liabilities howsoever caused that may arise in relation to your use of the Website or participation in the Games.

7.7 You acknowledge that the Casino shall be the final decision-maker of whether you have violated the Casino’s Terms and Conditions in a manner that results in your suspension or permanent barring from participation in the Website.

8. USE OF PLAYER ACCOUNT

8.1 Each player is allowed to create only one (1) personal account.

8.2 Creating multiple Player Accounts by a single player can lead, at the sole discretion of the Casino, to termination of all such accounts and cancellation of all payouts to the player. The player shall not provide access to their Player Account or allow using the Website to any third party including but not limited to minors.

8.3 Any returns, winnings or bonuses which the player has gained or accrued during such time as the Duplicate Account was active may be reclaimed by us, and players undertake to return to us on demand any such funds which have been withdrawn from the Duplicate Account.

8.4 The Website can only be used for personal purposes and shall not be used for any type of commercial profit.

8.5 You must maintain your account and keep your details up-to-date.

8.6 We reserve the right to make a phone call to the number provided in your user account, which at our own discretion can be a necessary part of the KYC procedure. Account and/or any actions in the account may be terminated until the account is fully verified. We will make reasonable efforts trying to contact you regarding the withdrawal of the funds, but if we are not able to reach you (by email or phone) in two (2) weeks as from the date of the request for withdrawal, account will be locked, since you have failed to pass the KYC procedure.

9. ANTI-FRAUD POLICY

9.1 The Company has a strict anti-fraud policy and utilizes various anti-fraud tools and techniques. If the player is suspected of fraudulent actions including, but not limited to:

  • participating in any type of collusion with other players;

  • development of strategies aimed at gaining of unfair winnings;

  • fraudulent actions against other online casinos or payment providers;

  • chargeback transactions with a credit card or denial of some payments made;

  • creating two or more accounts;

  • low risk roulette play where the player betting equal stakes for both black/red or even/odd covering 25 or more out of 37 numbers on the table. (Placing bets on black/red only covers 36 of 37 possible numbers);

  • other types of cheating;

  • or becomes a bankrupt in the country of their residence,

the Company reserves the right to terminate such Player Account and suspend and/or cancel all payouts to the player. This decision is at the sole discretion of the Company and the player will not be notified or informed about the reasons of such actions. The Company also reserves the right and may be obliged to inform applicable regulatory bodies of the fraudulent actions performed by the player.

9.2 In the event of chargeback at the account, the casino reserves the right to:

  • charge the player a sum equivalent to the players available balance funds in order to compensate damages and expenses suffered by an incurred as a result of chargeback;

  • claim further damages and financial losses from the player by contacting them via one of the methods provided during the registration process (i.e. phone, e-mail, etc.);

  • close player's personal account and/or discard all and any winnings gained as a result of such act or attempt to act.

9.3 The Casino has zero tolerance to advantage play. Any player who will try to gain advantage of casino welcome offers or other promotions agrees that Company reserves the right to void bonuses and any winnings from such bonuses, for the reasons of:

  • use of stolen cards;

  • chargebacks;

  • creating more than one account in order to get advantage from casino promotions;

  • providing incorrect registration data;

  • providing of forged documents;

  • any other actions which may damage the Casino.

9.4 We reserve the right to declare a bet partially or completely void if we consider it obvious that any of the following circumstances have occurred:

  • you or persons connected with you have the means to influence the result of an event, directly or indirectly, in order to gain an illegal advantage;

  • you and you or people connected with you directly or indirectly do not follow the rules of the Casino;

  • the result of the event was directly or indirectly affected by illicit activities;

  • bets were placed that would not otherwise have been accepted, but were approved in periods when the site was hit by technical problems;

  • bets have been offered, placed, and/or accepted due to an error of any kind, such as a mistake, misprint, technical error, force majeure, or other.

9.5 If a player's deposit is too low and a block circuit or similar site is marked as "insufficient to transfer", we reserve the right to forfeit winnings if considers the transaction and player behavior to be fraudulent in nature.

9.6 The Casino reserves the right to close your Player Account and to refund to you the amount on your account balance, subject to deduction of relevant withdrawal charges, at Casino’s absolute discretion and without any obligation to state a reason or give prior notice.

9.7 In order to verify player`s account casino management require documents (ID, payment systems, utility bills еtc) in Latin or Cyrillic alphabet. In case player doesn’t have an opportunity to provide documents in above-mentioned alphabets casino reserves the right to demand video verification where player shows his/her documents.

9.8 The Casino reserves the right to retain payments, if suspicion or evidence exists of manipulation of the casino system. Criminal charges will be brought against any user or any other person(s) who has/have manipulated the casino system or attempted to do so. The Casino reserves the right to terminate and/or change any games or events being offered on the Website.

9.9 Should you become aware of any possible errors or incompleteness in the software, you agree to refrain from taking advantage of them. Moreover, you agree to report to the Casino any error or incompleteness immediately. Should you fail to fulfill such obligations, the Casino has a right to full compensation for all costs related to the error or incompleteness, including any costs incurred in association with the respective error/incompleteness and the failed notification.

9.10 Any deposit has to be wagered 3 times (player must place bets three times of their deposit amount) before the withdrawal of funds connected to this deposit is available. In case several deposits were made with no gaming activity, player has to wager the total amount of these deposits prior to withdrawal. Otherwise the Casino has a right to charge a fee for the procession of deposit and withdrawal, which is at the sole decision of the Casino.

9.11 The casino is not a financial institution and thus should not be treated as such. Your account will not bear any interests and no conversion or exchange services (including fiat-crypto exchange) will be offered at any time.

10. DEPOSITING AND MAKING BETS

10.1 You may play the real money Games only if there are Virtual funds (meaning any currency accepted in the Casino) on your Player's Account.

10.2 We will assign minimum deposit levels as specified on the deposit section. The maximum deposit amount depends on the payment method you select for depositing and will appear when choosing the payment method.

10.3 When depositing in cryptocurrency, make sure that you deposit an amount above or equal to the minimum deposit limit for that particular currency. You can learn about the limit on the account deposit page. Deposits below this limit cannot be processed by our payment processor and will not be credited to your account nor returned to you.

10.4 Using third party payments is prohibited. You must make deposits only from a bank account, bank cards, e-wallets or other payment methods that are registered in your own name. If we determine during the security checks that you have violated this condition, your winnings will be confiscated and the original deposit will be returned to the owner of the payment account. The Company is not responsible for the lost funds deposited from third party accounts.

10.5 We can start the verification procedure (according to KYC policy) when processing your personal funds' transition to your Player's Account. The procedure can include (but not limited to) your photo with an ID or document, which can verify your residence, age and identity.

10.6 Please note that the maximum allowed single real money bet for any available slot game at YOJU casino is 50 EUR/USD; 75 CAD/AUD/NZD; 500 NOK; 250 PLN; 6000 JPY; 4150 INR; cryptocurrencies: 0.005 BTC; 0.25 BCH; 0.1 LTC; 0.2 ETH; 750 DOGE; 50 USDT; 60 ADA; 825 TRX. For other kinds of games- 100 EUR/USD; 150 CAD/AUD/NZD; 1000 NOK; 500 PLN; 12000 JPY; 8300 INR; cryptocurrencies: 0.01 BTC; 0.5 BCH; 2 LTC; 0.4 ETH; 1500 DOGE; 100 USDT; 125 ADA; 1650 TRX. In case when the player violates this rule, any funds can not be withdrawn, and we can also confiscate all the winnings.

10.7 Please, keep in mind currency prefixes while placing bets. Example:

1 bitcoin = 1 BTC = 1,000 mBTC (millibitcoins) = 1,000,000 µBTC (microbitcoins/bits)= 0.0010 kB (kilobitcoins) etc.

11.WITHDRAWAL POLICY

11.1 The minimum and maximum withdrawal amount depend on the payment method you opt to use. If the requested withdrawal amount exceeds the limit of a specified payment system, the amount will be withdrawn for several payments.

11.2 The Casino reserves the right to check your identity prior to processing payouts and to hold any refund or withdrawals for the time needed to check your identity. In case you provide false or incomplete Personal Data, the withdrawal can be refused and the Player Account terminated, of which you will be informed by email. Reporting by the Casino to applicable regulatory bodies of actions performed by the player may be required.

11.3 Such verifications may include(but shall not be limited to):

  • one government-approved identity card (such as ID card, passport and/or driver's license);

  • proof of residency (such as utility bill, Bank Statement, Bank reference letter);

  • proof of deposit method(photos of the credit/debit cards used to make deposits, personal payment account screenshot for online accounts etc;

  • a selfie with player’s ID or with a note to the casino.

11.4 To learn how we process and store personal data used during verification, read Privacy Policy.

11.5 The Website supports payouts via Original Credit Transfer (OCT) from Visa and via Payment Transfer from Mastercard. Additional requirements are that the respective credit card is not a corporate credit card and the card is issued in a supported country.

11.6 For Visa, the following countries are not supported: USA, Australia, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, Singapore.

For Mastercard, only the following countries are supported: Andorra, Austria, Belgium, Cyprus, Czech Republic, Denmark, Estonia, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Luxembourg, Malta, Monaco, Netherlands, Norway, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, and the United Kingdom.

Please note that even for supported countries the Casino is not able to guarantee successful credit card payment processing in all cases, since banks issuing credit cards may block or reject such transactions at their own discretion.

11.7 Internal operating currency of The Casino is Euro. Due to this fact, in case you transact in other currencies, the amount deducted from your credit card may be insignificantly higher than displayed at the time of transaction due to currency conversions on the side of your bank and/or the Casino's payment processing system.

11.8 All Bank Transfer payouts are in principle processed within 3-10 banking days. Please mind that you will not be able to request a Bank Transfer for USD payouts.

11.9 The Cryptocurrency withdrawal will be carried out to the wallet you specified. We require the blockchain to provide at least 3 confirmations of your last deposit before withdrawing any Virtual Funds that have been deposited. If you deposit a small mining fee, 1 confirmation may take up to 20 minutes.

11.10 Stay aware of the exchange rate for Cryptocurrencies since it can vary dramatically depending on market value.

11.11 You acknowledge that withdrawals via bank transfers can in exceptional cases be subject to additional charges by the intermediary banks. These charges remain outside the influence of The Casino and are in our experience limited to the equivalent of EUR 16.

11.12 The maximum withdrawal amount processed to the player is 1000 EUR(or 1000 USD, 1500 CAD/AUD, 1600 NZD, 10 000 NOK, 5000 PLN, 140 000 JPY, 80 000 INR, 0.05 BTC, 8.5 BCH, 1 ETH, 20 LTC, 15 000 DOG, 1000 USDT, 2000 ADA, 15 000 TRX) per week and 4000 EUR (or 4000 USD, 6000 CAD/AUD, 6400 NZD, 40 000 NOK, 20000 PLN, 560 000 JPY, 160 000 INR, 0.05 BTC, 34 BCH, 4 ETH, 80 LTC, 60 000 DOG, 4000 USDT, 8000 ADA, 60 000 TRX)per month unless otherwise specified.

If you win more than 4000 EUR, the Casino reserves the right to divide the payout into monthly instalments of maximum 4000 EUR until the full amount is paid out.

11.13 All progressive jackpot wins will be paid in full.

12. REFUND POLICY

12.1 A refund request will only be considered if it is requested within the first twenty-four (24) hours of the alleged transaction, or within thirty (30) calendar days if a Player alleges that another individual has accessed their Player Account.

12.2 If you have funding your account with a Credit Card we reserve the right to pay all withdrawal requests up to the total amount deposited as refunds against the purchases you have made. If your withdrawals exceed the total amount deposited, any excess amount will be paid to you via one of our alternative methods available.

12.3 Before a refund is processed all bonuses and winnings in your balance will be deducted prior to calculating the amount to be refunded.

12.4 In case any Credit Card purchases are considered to carry an unacceptable risk for security or legal reasons either by our Payment processors or by the Casino, we will initiate refunds for all such transactions back to the Сredit Сard, and notify all the appropriate authorities and parties.

12.5 All costs that may occur upon refund procedure are on the player.

13. DORMANT ACCOUNTS

13.1 An inactive (dormant) account is a Player Account which a player has not logged into or logged out of for twelve (12) consecutive months. If your Player Account is deemed to be inactive, the Casino reserves the right to charge a monthly administrative fee of €10 or the equivalent in another currency (or the current balance of your account, if less) as long as the balance of your account remains positive.

13.2 You authorize the Casino to debit this fee from your Player Account at the beginning of the month following the day on which your account is deemed inactive, and at the beginning of every subsequent month that your account remains inactive. The Casino will stop deducting the fee if the account balance is zero or if the account is re-activated.

13.3 Deactivation can be avoided by placing bets in any of the available games.

14. CLOSING OF ACCOUNT

14.1 You can close your gaming account anytime. To do so, please send the request to customer support and our team will notify you with the “account closure” procedure. We will return any funds that are available on your account at the time of the request. The refund amount includes only your personal funds. Bonuses are not included in the refund amount and will be canceled at the time of the request. Note that the amount delivered to your personal account can differ from your Virtual money amount. That’s because of the fee, which is charged for transaction processing.

14.2 The method of repayment will be at our absolute discretion. The withdrawal procedure at account closure will be executed in accordance with paragraph 5.12 of these terms and conditions.

15. COMPLAINTS

15.1 Feel free to contact us anytime in all convenient ways. You can share your opinion, apply for additional information and give us any complaints regarding our services.

15.2 Complaints are handled in the support department and escalated in the organization of the Casino in the case that support personnel did not solve the case immediately. You shall be informed about the state of the complaint to a reasonable level.

15.3 Casino is to acknowledge a complaint started by the account holder only. It is forbidden to and you can therefore not assign, transfer, hand over or sell your complaint to the third party. Casino will dismiss the complaint if the matter is handed over to be conducted by the third party and not the original account owner.

15.4 In the event of any dispute, you agree that the server logs and records shall act as the final authority in determining the outcome of any claim. You agree that in the unlikely event of a disagreement between the result that appears on your screen and the game server, the result that was logged on the game server will prevail, and you acknowledge and agree that our records will be the final authority in determining the terms and circumstances of your participation in the relevant online gaming activity and the results of this participation.

15.5 When we wish to contact you regarding such a dispute, we will do so by using any of the contact details provided in your Player Account.

16. EXPIRY PERIOD

16.1 You agree that any claim and/or cause of action arising out of or related to these Terms and Conditions or a service provided by the Casino must be filed within one (1) year after such claim or cause of action arose.

17. NON TRANSFERABILITY

17.1 You cannot assign, pledge or transfer ownership under any title whatsoever to claims arising from 1these Terms and Conditions, the use of the Website or participation in the Games against the Casino without consent of the Casino. This prohibition is designed as a non-transferability clause ex article 83 paragraph 2 of book 3 of the Civil Code and includes the transfer of any assets of value of any kind, including but not limited to ownership of accounts, winnings, deposits, bets, rights and/or claims in connection with these assets, legal, commercial, or otherwise. The prohibition on said transfers also includes however is not limited to the encumbrance, pledging, assigning, usufruct, trading, brokering, hypothecation and/or gifting in cooperation with a fiduciary or any other third party, company, natural or legal individual, entity in any way shape or form.

18. ARBITRATION

18.1 All disputes which may arise between you and the Casino including their successors in title under general or special title as a result of these Terms and Conditions or as a result of further agreements and other acts in connection with these Terms and Conditions shall be settled exclusively by arbitration in Cyprus and in accordance with Cyprus Civil Procedure Rules.