Cosmoswin Terms of Service

Cosmoswin.com (“Cosmoswin”, “we”, “us”, or “our”) is owned and operated by Final Enterprises N.V., a company incorporated and registered in Curaçao with registered address at Kaya Richard J. Beaujon z/n, Curaçao, and Curaçao Chamber of Commerce registration number 137397.

Final Enterprises N.V. is licensed and regulated by the Curaçao Gaming Authority (“CGA”) under B2C gaming licence number OGL/2024/420/0675, issued on 8 August 2025 in the name of Final Enterprises N.V.

Netglenn Limited, a company incorporated and registered in Cyprus with registered address at 75 Prodromou Avenue, Oneworld Parkview House, 2063 Nicosia, Cyprus, registration number HE395586, acts as a payment agent for Final Enterprises N.V., Netglenn Limited does not operate or provide the gambling services offered through Cosmoswin.com.

These Terms and Conditions (“Terms”) govern your registration for and use of Cosmoswin.com and the gambling services offered by Final Enterprises N.V. They constitute a legally binding agreement between you and Final Enterprises N.V.

By registering a Cosmoswin account, you confirm that you have read, understood, and agree to be bound by these Terms and any policies or specific terms expressly incorporated into or referenced by them. You must actively accept these Terms as part of the registration process.

The official and authoritative language of these Terms is English. Where these Terms are made available in another language, the translation is provided for convenience. In the event of any inconsistency, discrepancy, or difference in interpretation between the English version and a translated version, the English version will prevail, to the extent permitted by applicable law.

1. User Account

1.1. Your account must be registered using your correct legal name, date of birth, and other personal details, exactly as they appear on your official identification documents. You must ensure that all information provided at registration, and at any time thereafter, is true, accurate, complete, and up to date. If any information provided at registration becomes incorrect, incomplete, or outdated you must inform us immediately and provide the updated information without undue delay.

1.2. Clients must be at least 18 years of age to place bets. Cosmoswin.com reserves the right, at any time, to require a client to undergo its identity verification process, conducted through a third-party verification software, which requires the client to submit a valid identity document (such as an identity card or passport) together with a live selfie for the purpose of confirming the client's identity and age. Pending completion of this verification process to Cosmoswin.com's satisfaction, Cosmoswin.com reserves the right to suspend the client's account, restrict access to the Website and its Services, and/or withhold any withdrawals. If a client fails to complete the verification process within a reasonable timeframe when requested, refuses to complete it, or provides false, incomplete, fraudulent, or manipulated documentation or images, Cosmoswin.com reserves the right to close the account and void any related bets and winnings, without prejudice to any other rights available to Cosmoswin.com under these Terms and Conditions.

1.3. It is your sole responsibility to maintain the confidentiality and security of your login credentials, including your username and password. You must not disclose your login credentials to any third party and must take reasonable measures to prevent unauthorized access to your account. You are responsible for all activity carried out through your account using your login credentials and shall be liable for any unauthorized access or activity resulting from your failure to keep your login credentials secure. You must notify Cosmoswin immediately if you become aware of or suspect any unauthorized access to, or use of, your account.

1.4. You may only register once as a customer with us and only manage one player account. You are not permitted to register again using another name or another e-mail address. In particular, you are not permitted to register third parties, even if they give their consent in that respect. This also applies, among other things, to friends and relations. You are not permitted to sell, transfer or acquire your account.

1.5. You are not allowed to open any duplicate account, using the same address (postal or IP) or device. Where Cosmoswin.com identifies or reasonably suspects that a client holds more than one account, Cosmoswin.com reserves the right to:

• Suspend or close all accounts identified as duplicates;
• Consolidate the balances of such accounts into a single account, at its discretion;
• Void any bonuses, promotional credits, or free bets claimed through duplicate accounts, together with any winnings generated from them;
• Request additional verification documentation to confirm the client's identity before releasing any funds;
• Treat any bets placed across duplicate accounts as void where they were used to circumvent maximum stake limits, promotional terms, or other restrictions under these Terms and Conditions.
• The original account, being the first account registered by the client, will generally be treated as the client's sole valid account, subject to Cosmoswin.com's discretion and the outcome of its verification process.

1.6. Access to and use of certain Services offered on the Website may be restricted or prohibited by law in certain jurisdictions. It is your responsibility to ensure that your registration, access to the Website, and use of the Services are lawful in the jurisdiction in which you are located and/or reside. You must not use a VPN, proxy, location-masking technology, or any other method intended to conceal, manipulate, or misrepresent your actual location or country of residence, or otherwise provide false or misleading information regarding your location. Cosmoswin reserves the right to request documentation or other evidence to verify place of residence, and/or location at any time. Where satisfactory evidence is not provided, or where Cosmoswin reasonably determines that you have accessed the Services from a restricted or prohibited jurisdiction or have attempted to circumvent geographical restrictions, Cosmoswin may restrict, suspend, or close your account in accordance with these Terms and Conditions and applicable regulatory requirements.

1.7. If your account has a positive balance and you have not placed any bets or otherwise engaged in gaming activity on the Website for a continuous period of twelve (12) months, your account will be classified as inactive (“Inactive Account”). Once your account is classified as inactive, Cosmoswin will make reasonable attempts to contact you using the contact details registered to your account and inform you of the inactive status of your account, the remaining account balance, and any administrative fee that may become applicable. If your account remains inactive for one (1) month following its classification as an Inactive Account, an administrative fee of USD 5 (or the equivalent in your account currency) may be deducted from your account balance for each subsequent month that the account remains inactive. The fee will only be deducted where your account has a positive balance and will never cause your account balance to become negative. No further inactivity fees will be charged once the account balance reaches zero. You may prevent further inactivity fees by logging into your account and resuming permitted account activity or by contacting Cosmoswin to request withdrawal of your remaining balance or closure of your account, subject to any applicable identity verification, AML/CFT, and regulatory requirements.

1.8. Cosmoswin may monitor, record, and retain communications between you and Cosmoswin, including communications with our Customer Support and other team members, for security, compliance, quality assurance, fraud prevention, dispute resolution, and regulatory purposes, in accordance with our Privacy Policy and applicable law.

When communicating with Cosmoswin, you must behave in a respectful and appropriate manner. You must not use threatening, abusive, harassing, defamatory, discriminatory, racist, sexually explicit, grossly offensive, or otherwise unlawful language or content, nor make statements that incite hatred, violence, or discrimination.

1.9. Cosmoswin does not accept registrations from, or permit the use of its Services by, persons residing in or accessing the Services from jurisdictions where participation is restricted or prohibited.

You are responsible for ensuring that your registration and use of the Services are permitted under the laws applicable to you and that you are not located in, or a resident of, a prohibited jurisdiction.

For the complete and current list of jurisdictions from which registration, access, or participation is prohibited or restricted, please refer to the Section 12 Prohibited Jurisdictions section of these Terms and Conditions.

2. Payments

2.1. You must ensure that all deposits made to your Cosmoswin account originate from a payment method, including a payment card, bank account, e-wallet, or other payment account, that is held in your own name and that you are authorized to use. The use of payment methods belonging to third parties is prohibited.

As a licensed gambling operator, Cosmoswin is required to verify the identity of its customers and to take appropriate measures to establish that funds used for gambling originate from legitimate sources. Cosmoswin may therefore request information and/or supporting documentation relating to your identity, payment methods, Source of Funds and, where applicable, Source of Wealth, in accordance with applicable KYC and AML/CFT requirements.

You must provide complete, accurate, and up-to-date information and documentation when reasonably requested. Failure to provide the requested information or documentation, the provision of false or misleading information, or the use of a third-party payment method may result in deposits or withdrawals being restricted, your account being suspended or closed, and/or other measures being taken in accordance with these Terms and Conditions and applicable law.

Where Cosmoswin identifies activity that is unusual or suspicious, Cosmoswin may report such activity and relevant information to the competent authorities where required by applicable law.

2.2. Cosmoswin is a gambling operator and is not a bank, financial institution, payment institution, cryptocurrency exchange, investment service provider, or other financial services provider.

Funds deposited into or otherwise credited to your Cosmoswin account are held solely for the purpose of using the gambling Services and must not be treated or used as a bank account, savings account, payment account, investment account, or other financial product.

No interest is payable or will accrue on any funds held in your Cosmoswin account, regardless of the amount held or the period for which the funds remain in the account.

Funds may only be deposited, used, withdrawn, refunded, or otherwise returned in accordance with these Terms and Conditions and applicable legal and regulatory requirements.

2.3. As a general rule, withdrawals will be processed to the same payment method and account from which the relevant funds were originally deposited, subject to the availability of that payment method and applicable KYC and AML/CFT requirements.

Where a withdrawal to the original payment method is not possible, including where the payment method or account has been closed, suspended, restricted, or is otherwise unavailable, Cosmoswin may require you to provide an alternative payment method held in your own name. Cosmoswin may request additional information or documentation to verify your ownership of the alternative payment method before processing the withdrawal.

The payment methods available for deposits and withdrawals may vary depending on factors including your country of residence, currency, payment provider availability, and applicable regulatory requirements.

Where you have deposited using multiple payment methods, Cosmoswin may process or split withdrawals across one or more of those payment methods, where appropriate, in accordance with applicable KYC and AML/CFT requirements. Any alternative payment method used for a withdrawal must, unless otherwise permitted by applicable law or regulatory requirements, be held in your own name.

2.4. Cosmoswin may permit deposits and withdrawals using certain cryptocurrencies and blockchain networks. Cryptocurrency transactions are subject to additional requirements, restrictions, verification procedures, and compliance controls.

If you choose to use cryptocurrency, you are responsible for ensuring that the cryptocurrency, blockchain network, wallet address, and other transaction details you provide are correct and supported by Cosmoswin. Cryptocurrency transactions may also be subject to wallet verification, blockchain screening, AML/CFT and sanctions controls.

Please refer to the Section 3 Cryptocurrency of the Terms and Conditions for the complete terms applicable to cryptocurrency deposits, withdrawals, wallets, supported assets and networks, transaction verification, and other cryptocurrency-related activity.

2.5. Deposits made to your Cosmoswin account are intended to be used for participation in the gambling services offered on the Website and must not be used solely as a means of transferring funds.

If you request to withdraw deposited funds without having used them for wagering, Cosmoswin may carry out additional checks before approving the withdrawal, including verification of your identity, payment method, Source of Funds, and any other checks required for KYC, AML/CFT, fraud prevention, or regulatory purposes.

Where a withdrawal of unwagered deposited funds is permitted, a transaction fee of up to 10% of the relevant deposited amount may apply. Any applicable fee will be communicated to you before the withdrawal is processed. Cosmoswin may waive or reduce this fee where appropriate or where charging the fee would be inconsistent with applicable law or regulatory requirements.

2.6. As a general rule, transactions relating to gambling services that have already been used, including deposits that have been wagered, are not refundable.

A refund may, however, be issued where required by applicable law or regulation, or where Cosmoswin determines that a refund is appropriate due to exceptional circumstances.

If a change in applicable law, regulation, licensing requirements, or jurisdictional restrictions prevents Cosmoswin from continuing to provide its Services to you, any remaining eligible funds in your account will be returned to you, subject to applicable KYC, AML/CFT, payment, and regulatory requirements.

Any other refund request will be assessed on a case-by-case basis having regard to the circumstances of the request, these Terms and Conditions, and applicable legal and regulatory requirements.

Where a refund is approved, Cosmoswin will generally return the funds to the payment method from which they originated. Where this is not possible, an alternative payment method held in your name may be used following the necessary verification and compliance checks.

Refund requests should be submitted to Cosmoswin Customer Support within thirty (30) days of the relevant transaction, where reasonably possible.

2.7. If a deposit credited to your Cosmoswin account is subsequently cancelled, reversed, charged back, declined, or otherwise not successfully received by Cosmoswin due to an action by you, payment provider, financial institution, or payment processor, the corresponding amount may be deducted from your account balance.

If your account does not contain sufficient funds to cover the reversed or cancelled deposit, and the funds from that deposit have already been used to place bets or wagers, Cosmoswin may void or reverse the affected bets or wagers and any winnings directly resulting from the use of those funds, where reasonably necessary to restore the account to the position it would have been in had the deposit not been credited.

Cosmoswin may also temporarily restrict deposits, withdrawals, or other account activity while the matter is reviewed and may request additional information or documentation where required for payment verification, fraud prevention, KYC, or AML/CFT purposes.

2.8. Your Cosmoswin account, account balance, deposited funds, winnings, and any rights or entitlements arising from your use of the Services are personal to you and may not be transferred, assigned, sold, pledged, gifted, or otherwise made available to any third party.

You may not request that funds or winnings held in your Cosmoswin account be transferred or paid to another person. Withdrawals and other payments will only be made to you and, where applicable, to a payment method or account held in your own name, subject to these Terms and Conditions and applicable KYC, AML/CFT, and payment verification requirements.

2.9. If funds or winnings are credited to your Cosmoswin account in error, including as a result of a technical, administrative, settlement, or calculation error, and you were not entitled to receive those funds or winnings, Cosmoswin may correct the error and remove the incorrectly credited amount from your account.

You must not knowingly use, wager, or withdraw funds that you know, or reasonably should know, have been credited to your account in error. If any incorrectly credited funds have already been used or withdrawn, Cosmoswin may take reasonable steps to recover the amount concerned and may adjust your account balance accordingly.

Where an adjustment is made, Cosmoswin will maintain appropriate records of the correction and, where appropriate, provide you with information regarding the adjustment.

2.10. Where you claim, accept, or use a bonus or promotional offer, the bonus and any funds or winnings associated with it will be subject to the applicable Cosmoswin Section 5 Bonuses terms and, where applicable, the specific terms and conditions of the relevant promotion.

Bonus conditions may include eligibility requirements, minimum deposits, wagering requirements, wagering periods, maximum stakes, game or bet contribution rules, maximum cash-out limits, and other restrictions that must be satisfied before bonus-related winnings become eligible for withdrawal.

You are responsible for reviewing the applicable bonus terms before accepting or using a bonus. If the specific terms of a promotion differ from the general Cosmoswin Section 5 Bonuses, the specific promotion terms will apply.

Failure to comply with the applicable bonus conditions may result in the bonus and/or bonus-related winnings being forfeited or adjusted, but only to the extent provided for in the applicable bonus or promotion terms.

3. Cryptocurrency

3.1. Cosmoswin may allow you to make deposits and receive withdrawals using certain cryptocurrencies and blockchain networks made available on the Website.

Cryptocurrency is accepted solely as a payment method in connection with the gambling services provided by Cosmoswin. Cosmoswin does not operate a cryptocurrency exchange, provide cryptocurrency custody services on behalf of players outside its gaming activities, facilitate cryptocurrency transfers between players, or provide cryptocurrency investment or trading services.

Cosmoswin is not responsible for services provided to you by third-party cryptocurrency exchanges, wallet providers, custodians, brokers, or other virtual asset service providers.

3.2. Only cryptocurrencies and blockchain networks expressly supported by Cosmoswin at the time of the transaction may be used for deposits and withdrawals.

The cryptocurrencies and networks available may change from time to time as a result of regulatory, compliance, security, liquidity, technical, or operational considerations. The availability of a cryptocurrency for deposits does not necessarily guarantee its continued availability for future deposits or withdrawals.

Cosmoswin may discontinue or restrict support for a cryptocurrency, token, wallet type, or blockchain network where necessary for regulatory, AML/CFT, sanctions, fraud prevention, security, or operational reasons.

3.3. You are responsible for ensuring that all cryptocurrency transaction information is correct before initiating or confirming a transaction.

You must ensure that:

• you use a cryptocurrency and blockchain network supported by Cosmoswin;
• the wallet address and other transaction details are correct;
• cryptocurrency is sent only to the wallet address and through the blockchain network specified by Cosmoswin; and
• any applicable minimum deposit or withdrawal requirements are satisfied.

Cryptocurrency transactions recorded on a blockchain are generally irreversible. Cryptocurrency sent using an incorrect or unsupported cryptocurrency, network, wallet address, or other transaction information may be permanently lost or irrecoverable. Cosmoswin cannot guarantee the recovery or crediting of cryptocurrency transferred incorrectly.

3.4. A cryptocurrency deposit will not necessarily be credited to your Cosmoswin account immediately upon transmission or appearance on the relevant blockchain.

Deposits may be subject to required blockchain confirmations, transaction reconciliation, wallet and transaction screening, sanctions controls, AML/CFT checks, and other security or compliance controls before the funds are made available for use.

A deposit may be delayed, held for review, rejected, or otherwise restricted where Cosmoswin identifies a compliance, sanctions, fraud, security, technical, or other material risk.

3.5. When you request a cryptocurrency withdrawal, you will be required to complete the applicable identity verification (KYC) process before the withdrawal can be approved and released.

Cosmoswin may also require additional information or documentation where necessary for AML/CFT, sanctions, fraud prevention, Source of Funds, Source of Wealth, Enhanced Due Diligence, or other regulatory purposes.

In higher-risk or suspicious circumstances, Cosmoswin may carry out verification or compliance checks before a withdrawal request is made where required by applicable law or Cosmoswin's regulatory obligations.

3.6. You may be required to demonstrate that a cryptocurrency wallet used for a deposit or withdrawal belongs to you or is under your control.

Cosmoswin may use appropriate verification methods to establish ownership or control of a wallet. You may therefore be required to provide information or complete additional verification before a cryptocurrency transaction is accepted or released.

Where Cosmoswin cannot reasonably establish the required ownership or control of a wallet, or where the wallet presents an unacceptable compliance or financial-crime risk, the transaction may be delayed, rejected, or subject to additional review.

3.7. As a general rule, cryptocurrency withdrawals will be processed to the same verified wallet from which the relevant cryptocurrency originated, where technically and legally possible and subject to applicable compliance requirements.

Where reasonably practicable, Cosmoswin may require the withdrawal to be made using the same cryptocurrency or an appropriate supported cryptocurrency, subject to the options made available by Cosmoswin.

A withdrawal to a different wallet may only be permitted where Cosmoswin is satisfied that the alternative wallet belongs to or is controlled by you and all required KYC, AML/CFT, sanctions, wallet-screening, and other compliance checks have been successfully completed.

3.8. If cryptocurrency cannot be returned to the originating wallet because that wallet is lost, inaccessible, deactivated, blocked, sanctioned, no longer supported, or otherwise unavailable or unsuitable for regulatory or compliance reasons, you must contact Cosmoswin Customer Support.

Cosmoswin may request evidence explaining why the original wallet is unavailable and may require you to provide and verify an alternative wallet under your ownership or control.

Any alternative remittance will be subject to the necessary KYC, AML/CFT, sanctions, blockchain-screening, wallet-ownership, and other compliance checks before funds can be released.

Cosmoswin will not transfer cryptocurrency to an alternative wallet where doing so would breach applicable law, sanctions requirements, or other regulatory obligations.

3.9. Cryptocurrency transactions and wallet addresses may be monitored and screened using blockchain analytics and other compliance tools for AML/CFT, sanctions, fraud prevention, security, and regulatory purposes.

Cosmoswin does not accept cryptocurrency transactions that are identified as having an unacceptable connection or exposure to prohibited sources or activities. This may include transactions associated with sanctioned addresses, mixers or tumblers, anonymisation or laundering services, darknet marketplaces, ransomware, fraud, scams, theft, or other criminal activity.

Where a transaction or wallet presents an unacceptable risk, Cosmoswin may delay, reject, block, restrict, or escalate the transaction and may take any further action required under applicable law or regulatory requirements.

3.10. If a supported cryptocurrency or blockchain network is affected by a delisting, blockchain fork, network migration, token swap, network suspension, or other material technical or regulatory event, Cosmoswin may temporarily suspend or restrict deposits and withdrawals using the affected cryptocurrency or network.

Where such an event affects a cryptocurrency transaction that has already been initiated but has not yet been completed or credited, Cosmoswin will determine the appropriate treatment of the transaction based on its status, applicable blockchain records, technical feasibility, regulatory and compliance requirements, and, where applicable, the requirements of the relevant cryptocurrency payment provider.

Cosmoswin will provide affected players with appropriate instructions where action is required from them.

3.11. The value of cryptocurrencies may fluctuate significantly. Cosmoswin is not responsible for changes in the market value of cryptocurrency occurring before, during, or after a deposit or withdrawal, except to the extent resulting from an error for which Cosmoswin is responsible under these Terms and Conditions.

Blockchain transactions may also be subject to network, miner, gas, or other transaction fees. Any fee charged directly by Cosmoswin will be disclosed to you before the relevant transaction is confirmed.

4. Betting and Wagering

4.1. Unless otherwise specified for a particular game, market, or event, the minimum stake permitted per bet is 1 unit of the applicable account currency.

4.2. Once a bet has been placed and confirmed by Cosmoswin, you cannot cancel, amend, or change the bet, except where otherwise expressly permitted under these Terms and Conditions or the applicable Betting Rules.

A bet will only be considered accepted once confirmation of its acceptance is displayed in your account.

4.3. Bets will be settled and any resulting winnings credited to your account following confirmation of the final official result of the relevant event, in accordance with the applicable Betting Rules.

Where an official result is subsequently corrected or amended in circumstances covered by the applicable Betting Rules, Cosmoswin may adjust the settlement accordingly.

4.4. Where an event is cancelled, abandoned, postponed, or otherwise not completed, affected bets will be settled or voided in accordance with the applicable Betting Rules for the relevant sport, event, or market.

Where a bet is voided, the applicable stake will be returned to your account.

4.5. You must not knowingly exploit or attempt to exploit any technical error, malfunction, vulnerability, latency issue, incorrect game behaviour, or other system error affecting the Website or Services.

Where Cosmoswin reasonably determines that funds or winnings were obtained as a direct result of the deliberate exploitation of such an error or vulnerability, Cosmoswin may void the affected bets or transactions and remove any resulting winnings. Any action taken will be limited to the funds, bets, or winnings affected by the error or exploitation.

The performance of certain time-sensitive Services may be affected by factors outside Cosmoswin's reasonable control, including the speed or quality of your internet connection, device, equipment, or network.

4.6. You must not engage in, assist with, or participate in any fraudulent, collusive, match-fixing, manipulative, or otherwise unlawful activity in connection with the Services, whether acting individually, together with another person, or on behalf of a third party.

You must not use bots, automated betting systems, software, scripts, artificial or automated methods, or other devices or technologies designed to obtain an unfair advantage, manipulate gameplay or betting activity, or circumvent restrictions imposed by Cosmoswin.

Where Cosmoswin reasonably identifies prohibited activity, it may void affected bets or winnings, restrict or suspend the relevant account, and take any other action permitted under these Terms and Conditions or required by applicable law or regulatory requirements

4.7. Cosmoswin reserves the right to refuse or limit a bet, or any part of a bet, before it has been accepted and confirmed. Any amount relating to a bet that is not accepted will remain in or be returned to your account, as applicable.

4.8. Unless a lower maximum stake applies to a particular game, market, event, promotion, or player account, the maximum permitted stake per bet is USD 5,000 (or the equivalent in the applicable account currency).

Cosmoswin may apply lower betting limits where appropriate in accordance with its risk management, responsible gaming, compliance, or regulatory requirements.

4.9. Unless a market is specifically offered as an In-Play or live betting market, bets will only be accepted up to the advertised start time of the relevant event.

If a pre-event bet is accepted in error after the relevant event has started, the affected bet may be voided and the stake returned to your account, subject to the applicable Betting Rules.

This provision does not apply to bets validly placed on markets expressly offered for In-Play betting.

4.10. Where Cosmoswin reasonably determines that one or more accounts have been used individually or in coordination as part of fraudulent, collusive, manipulative, or otherwise prohibited betting activity, Cosmoswin may void the bets and associated winnings directly affected by that activity and may suspend or restrict the relevant accounts while the matter is investigated.

This may include coordinated betting by persons or groups acting together, including the placement of substantially identical or connected bets intended to circumvent betting limits or obtain an improper advantage. This provision may apply to both settled and unsettled bets.

4.11. Cosmoswin takes reasonable steps to ensure that information displayed on the Website regarding sporting events, including scores, match times, statistics, and other live information, is accurate. However, such information is provided for informational purposes and may be subject to delays, interruptions, or inaccuracies.

Bets will be settled based on the applicable official result and Betting Rules and not solely on information displayed on the Website.

4.12. Cosmoswin takes reasonable measures to ensure that betting odds, prices, markets, and other betting information are displayed correctly. However, an obvious or palpable error may occasionally occur as a result of a technical, administrative, data-feed, human, or other error.

Where a bet has been accepted on terms that were clearly incorrect and the error could reasonably have been recognized as such, Cosmoswin may correct the error in accordance with the applicable Betting Rules. Depending on the circumstances, the affected bet may be voided and the stake returned, or settled using the correct odds or price that should reasonably have applied at the time the bet was placed.

Cosmoswin will maintain appropriate records of any correction or adjustment made under this provision.

4.13. Multiple or combination bets containing selections from the same event will not be accepted where the outcome of one selection materially affects, or is dependent upon, the outcome of another selection, unless the relevant betting product expressly permits such combinations.

If a bet containing related selections is accepted in error, the affected bet may be voided and the applicable stake returned to your account in accordance with the Betting Rules.

4.14. You must not use a VPN, proxy, data centre, location-masking technology, or any other method intended to conceal, manipulate, or misrepresent your actual location in order to access or use the Services from a restricted or prohibited jurisdiction or otherwise circumvent geographical restrictions.

Where Cosmoswin reasonably determines that such technology has been used to circumvent applicable geographical restrictions, it may void affected bets or winnings and restrict, suspend, or close the relevant account in accordance with these Terms and Conditions and applicable regulatory requirements.

4.15. Where a Casino game or other Service provides a “Double-Up”, “Gamble”, or similar feature that allows winnings to be re-wagered for the opportunity to increase their value, use of such a feature is not permitted where Cosmoswin has expressly designated the feature as restricted.

Winnings generated through the use of a restricted Double-Up, Gamble, or similar feature may be voided where the restriction was clearly communicated to the player before use.

5. Bonuses

5.1. Cosmoswin may make bonuses, free bets, free spins, and other promotional offers available to eligible players from time to time. Eligibility for a bonus or promotion may depend on factors such as your account status, country of residence, payment method, previous promotional activity, or any other eligibility criteria specified in the relevant promotion.

The General Bonus Terms set out in this Section apply to all bonuses and promotional offers provided by Cosmoswin unless the specific terms of a promotion expressly provide otherwise. By claiming, accepting, or using a bonus or promotional offer, you agree to comply with these General Bonus Terms and any specific terms applicable to that promotion.

You should review the applicable terms before claiming or using a bonus. Where the specific terms of a promotion differ from these General Bonus Terms, the specific promotion terms will apply.

5.2. To participate in a bonus or promotion, you must meet all eligibility requirements specified in the applicable promotion terms and these General Bonus Terms.

Unless otherwise stated in the specific promotion terms, the minimum qualifying deposit for a deposit bonus is USD 10 (or the equivalent in the applicable account currency).

Only successfully completed deposits made using an eligible payment method will qualify for a deposit bonus. Cancelled, reversed, charged back, or otherwise unsuccessful deposits will not qualify.

Where a bonus has been credited but it is subsequently determined that the applicable eligibility or qualifying deposit requirements were not met, Cosmoswin may cancel the bonus and any bonus-related benefits, subject to the applicable promotion terms.

Meeting the minimum deposit requirement does not automatically entitle you to a bonus where additional eligibility requirements are specified in the relevant promotion.

5.3. Sports Bonuses, unless otherwise stated in the specific promotion terms:

• The qualifying deposit and bonus amount must be wagered six (6) times within fifteen (15) days of the bonus being credited.
• Settled single bets with decimal odds of 1.90 or higher count towards the wagering requirement.
• For combination bets, each selection must have decimal odds of at least 1.60 to count towards the wagering requirement.
• A maximum of USD 50 (or the equivalent in the applicable account currency) per bet will contribute towards completion of the wagering requirement.
• The maximum permitted stake while a Sports Bonus is active is USD 100 (or the equivalent in the applicable account currency) per bet.
• Multiple bets on the same match and Asian Handicap bets do not contribute towards the wagering requirement and are not permitted while a Sports Bonus is active.

5.4. Casino Bonuses, unless otherwise stated in the specific promotion terms:

• The qualifying deposit and bonus amount must be wagered thirty-five (35) times within fifteen (15) days of the bonus being credited.
• The maximum permitted stake while a Casino Bonus is active is USD 5 (or the equivalent in the applicable account currency) per spin.
• Winnings arising from free spins or bonus features initiated using bonus funds must be completed while the relevant bonus remains active. Where such a feature is completed after the bonus has expired, been forfeited, or otherwise ceased to be active, any resulting winnings will not be credited or will be removed from the account.

5.5. Not all Casino games contribute equally towards completion of wagering requirements. Unless otherwise specified in the applicable promotion:

5.6. Unless otherwise stated in the specific terms of a promotion, the maximum amount that may be withdrawn from winnings generated through a no-deposit bonus, including Free Bonuses, is USD 200 (or the equivalent in the applicable account currency).

This maximum cash-out limit applies to all winnings derived from the no-deposit bonus, including any subsequent winnings generated by wagering the bonus or winnings originating from that bonus.

Any amount exceeding the maximum cash-out limit of USD 200 will be removed from the player's account and will not be eligible for withdrawal.

All applicable wagering requirements and other conditions of the relevant bonus must be satisfied before the eligible amount may be withdrawn. Where the specific terms of a promotion expressly provide for a different maximum cash-out limit, the terms of that promotion will apply.

5.7. A bonus and its associated wagering requirements must be completed within the period specified in the relevant promotion. Unless otherwise stated, Sports and Casino deposit bonuses must satisfy their applicable wagering requirements within fifteen (15) days from the date the bonus is credited.

If the applicable wagering requirements are not completed within the required period, the bonus will expire and any remaining bonus funds and bonus-related winnings may be forfeited in accordance with the applicable promotion terms.

5.8. You cannot make a withdrawal while a bonus is active on your Cosmoswin account. Before a withdrawal can be requested, you must either:

• complete the applicable wagering requirements and satisfy any other conditions attached to the bonus; or
• formally request the forfeiture of the active bonus by contacting Cosmoswin Customer Support by email.

While a bonus remains active, the withdrawal function will not be available. If you attempt to make a withdrawal, you will be informed that the applicable wagering requirements must first be completed or that the active bonus must be forfeited.

If you choose to forfeit an active bonus before completing its wagering requirements, the remaining bonus amount and all winnings generated from that bonus will be forfeited and removed from your account. Any eligible real-money balance that does not originate from the bonus will remain available, subject to these Terms and Conditions.

Once the wagering requirements have been successfully completed, or the bonus has been forfeited and removed from your account, you may request a withdrawal subject to the applicable withdrawal, KYC, AML/CFT, and payment verification requirements.

5.9. Bonuses and promotions must be used in accordance with their intended purpose and applicable terms. You must not engage in fraudulent, collusive, manipulative, or other activity intended to improperly obtain or exploit a bonus or circumvent its applicable conditions.

Where Cosmoswin reasonably identifies such activity, it may cancel the affected bonus and remove bonus-related winnings obtained as a result of the prohibited activity. Cosmoswin may also restrict eligibility for future promotions or take further action in accordance with these Terms and Conditions where appropriate.

Any such action will be based on the circumstances of the individual case and applicable regulatory requirements.

6. Account Verification and Anti-Money Laundering and Combating the Financing of Terrorism

6.1. Cosmoswin is required to comply with applicable laws and regulatory requirements relating to Know Your Customer (“KYC”), Customer Due Diligence (“CDD”), anti-money laundering, counter-terrorist financing, counter-proliferation financing, targeted financial sanctions, and the reporting of unusual transactions.

Cosmoswin applies a risk-based approach to customer verification and monitoring. The nature and extent of the information, documentation, verification, and monitoring required may therefore vary depending on your circumstances, account activity, payment methods, geographic risk, transaction patterns, and other relevant risk factors.

By registering and using a Cosmoswin account, you agree to provide the information and documentation reasonably required by Cosmoswin to comply with these obligations and authorize Cosmoswin, where appropriate, to verify such information using reliable and independent sources and third-party verification service providers.

6.2. When registering an account, you must provide accurate, complete, and up-to-date personal information as requested by Cosmoswin. This may include your full name, residential address, date of birth, nationality, place of birth, contact information, and other identification information required according to your risk profile and applicable regulatory requirements.

You must use your account solely on your own behalf and must not open or operate an account on behalf of another person.

Cosmoswin may carry out customer risk assessments and identity, sanctions, and Politically Exposed Person (“PEP”) screening when your account is opened and throughout the business relationship.

6.3. Cosmoswin may require you to complete identity verification and Customer Due Diligence where required by applicable law, regulatory requirements, Cosmoswin's risk-based procedures, or circumstances relating to your account.

In particular, Customer Due Diligence may be required where:

• your financial transactions reach or exceed the applicable regulatory threshold, currently NAf. 4,000 or its equivalent in another currency;
• Cosmoswin identifies unusual or suspicious activity;
• Cosmoswin has doubts regarding the accuracy, authenticity, or adequacy of information or documentation previously provided;
• your account or activity presents an increased money laundering, terrorist financing, proliferation financing, fraud, sanctions, or other compliance risk; or
• another verification trigger arises under applicable law, regulatory requirements, or Cosmoswin's risk-based procedures.

Cosmoswin may conduct verification before these circumstances arise where appropriate under its risk-based approach.

6.4. To verify your identity and account information, Cosmoswin may request one or more documents or other forms of verification, including:

• a valid government-issued photographic identification document, such as a passport, national identity card, or driving licence;
• proof of your residential address;
• verification of a payment method used on your account;
• information and/or supporting documentation concerning your Source of Funds and/or Source of Wealth, where required under Cosmoswin's risk-based procedures or applicable regulatory requirements; and
• any additional information or documentation reasonably required according to your circumstances and risk profile.

6.5. Identity verification may be carried out through an independent third-party identity verification service provider. As part of this process, you may be required to submit a government-issued identification document for authenticity and identity verification and to complete a liveness check, which may include facial or biometric verification, to confirm that you are the person identified in the document.

6.6. Documents and information provided for verification must be valid, accurate, authentic, clear, legible, and sufficiently recent where applicable. Cosmoswin may request replacement or additional documentation where the information provided cannot be satisfactorily verified.

Cosmoswin may also use other reliable and independent sources, verification methods, or service providers where reasonably necessary to establish or verify your identity, residential address, Source of Funds, Source of Wealth, or other information required for Customer Due Diligence.

6.7. Cosmoswin may require you to verify that any payment method used to deposit or receive funds belongs to you or is under your control.

Depending on the payment method used, you may be required to provide appropriate supporting documentation or information demonstrating ownership or control of the payment method.

Where verification of a payment card is required, you may be requested to provide a copy or image of the card showing:

• the cardholder's name;
• the first six (6) and last four (4) digits of the card number; and
• the card's expiry date.

The remaining digits in the middle of the card number must be concealed, and the card security code (CVV/CVC) must always be concealed and must not be submitted to Cosmoswin.

For bank accounts, e-wallets, or other payment methods, Cosmoswin may request a bank statement, account statement, screenshot, or other appropriate evidence showing your name and sufficient account information to establish that the payment method belongs to or is controlled by you.

The use of payment methods belonging to third parties is prohibited. Where Cosmoswin identifies or reasonably suspects the use of a third-party payment method, the payment method may be blocked from further use and the relevant account and/or transactions may be restricted while Cosmoswin conducts the necessary verification, fraud-prevention, and AML/CFT checks.

6.8. Cosmoswin conducts ongoing monitoring of customer accounts and transactions throughout the business relationship. This may include reviewing deposits, withdrawals, wagering activity, payment methods, account information, geographic information, transaction patterns, and other activity relevant to fraud prevention, KYC, AML/CFT, sanctions, and regulatory compliance.

Cosmoswin may periodically request updated information or documentation and may require you to repeat or update verification where, for example, previously provided documentation has expired, your personal or payment information changes, your activity differs materially from your expected activity or risk profile, or another risk or compliance trigger arises.

6.9. Cosmoswin may request information and supporting documentation concerning your Source of Funds and/or Source of Wealth where required under its risk-based procedures or applicable regulatory requirements.

This may include information or evidence concerning your employment, income, business activities, savings, investments, sale of assets, inheritance, gambling winnings, or other legitimate sources of funds or wealth.

Where Cosmoswin identifies a higher level of risk, Enhanced Due Diligence (“EDD”) may be applied. This may include obtaining additional information or documentation, establishing the purpose or circumstances of transactions, verifying Source of Funds or Source of Wealth, obtaining appropriate internal approval, and applying enhanced ongoing monitoring.

6.10. Cosmoswin screens customers in accordance with applicable requirements relating to targeted financial sanctions and Politically Exposed Persons (“PEPs”).

Where you are identified as a PEP, family member or close associate of a PEP, Cosmoswin may apply additional risk-based measures, including Enhanced Due Diligence, Source of Funds and Source of Wealth verification, appropriate management approval, and enhanced ongoing monitoring.

Where Cosmoswin identifies a confirmed sanctions match or is otherwise legally required to restrict or freeze funds, Cosmoswin will take the measures required by applicable law and regulatory requirements.

6.11. You must cooperate with Cosmoswin's verification and due diligence procedures and provide complete, accurate, authentic, and up-to-date information and documentation within the timeframe communicated to you.

You must not submit forged, altered, misleading, or fraudulent documentation or information, impersonate another person, conceal the ownership of a payment method, or otherwise attempt to circumvent or interfere with Cosmoswin's KYC, AML/CFT, sanctions, fraud-prevention, or verification procedures.

Where required information or documentation is not provided, cannot be satisfactorily verified, or Cosmoswin is otherwise unable to complete the required Customer Due Diligence, Cosmoswin may restrict deposits, withdrawals, wagering, or other account functionality; suspend the account; refuse or delay a transaction; or terminate the business relationship, as required or permitted by applicable law and regulatory requirements.

6.12. Where the applicable regulatory Customer Due Diligence threshold is reached and the required verification has not yet been completed, Cosmoswin may restrict your account and/or transactions until the required Customer Due Diligence has been satisfactorily completed.

Where the required information and documentation is not provided within the period prescribed by applicable regulatory requirements, Cosmoswin may be required to terminate the business relationship. Where there are no legal or regulatory grounds requiring funds to remain restricted, eligible remaining funds will generally be returned through the payment method from which they originated or another permitted method verified as belonging to you.

6.13. Where required by applicable law or regulatory requirements, Cosmoswin may report unusual or suspicious transactions, attempted transactions, account activity, or other relevant information to the Financial Intelligence Unit Curaçao (“FIU Curaçao”) or another competent authority.

Cosmoswin may be prohibited by law from informing you that a report has been made or is being considered, that an investigation is being conducted, or from providing you with certain information concerning such a report or investigation.

7. Privacy and Data Retention

7.1. Cosmoswin collects and processes personal data in connection with the registration, administration, and use of your account and the provision of its Services. This may include identification and contact information, account and transaction information, payment information, gambling activity, device and technical information, communications with Cosmoswin, and information or documentation collected for KYC, AML/CFT, fraud-prevention, Responsible Gambling, security, and regulatory purposes.

Personal data will be processed in accordance with applicable data protection and gaming laws.

7.2. Cosmoswin may use your personal data for purposes including:

• creating, administering, securing, and providing access to your account;
• providing and managing the Services;
• processing deposits, withdrawals, and other transactions;
• verifying your identity, age, residential address, and payment methods;
• conducting KYC, Customer Due Diligence, AML/CFT, sanctions, fraud-prevention, and security checks;
• complying with Responsible Gambling and player-protection obligations;
• investigating suspicious, fraudulent, unlawful, or prohibited activity;
• handling customer support requests, complaints, disputes, and legal claims;
• complying with applicable legal, regulatory, licensing, reporting, record-keeping, and law-enforcement requirements;
• other purposes described in Cosmoswin's Privacy Policy.

7.3. Cosmoswin may share personal data where reasonably necessary with third parties involved in providing, supporting, securing, or regulating the Services. These may include payment service providers, identity and verification providers, fraud-prevention and security providers, gaming and technology providers, professional advisers, competent regulatory or governmental authorities, law-enforcement authorities, and other recipients where disclosure is required or permitted by applicable law.

Where third-party service providers process personal data on Cosmoswin's behalf, such processing will be subject to appropriate contractual, confidentiality, security, and data-protection requirements, where applicable.

7.4. Cosmoswin takes appropriate technical and organisational measures designed to protect personal data against unauthorised or unlawful access, use, alteration, disclosure, loss, or destruction.

Personal data may be stored or processed by Cosmoswin or its authorised service providers in jurisdictions other than the jurisdiction in which you reside. Where applicable law requires safeguards for the international transfer of personal data, Cosmoswin will apply the appropriate safeguards.

7.5. Cosmoswin retains personal data for as long as reasonably necessary to fulfil the purposes for which it was collected and to comply with applicable legal, regulatory, licensing, AML/CFT, taxation, accounting, dispute-resolution, and record-keeping requirements.

Unless a longer retention period is required or permitted by applicable law or regulatory requirements, Cosmoswin applies the following retention periods:

• Account registration, KYC and identity-verification records: retained for at least five (5) years after closure of your account.
• Transaction, deposit, withdrawal and AML/CFT records: retained for at least five (5) years after completion of the relevant transaction or termination of the business relationship, as applicable.
• Customer support and complaint records: retained for at least five (5) years after closure of the relevant matter.
• Responsible Gambling records: retained for at least five (5) years after their creation, or for a longer period where required by applicable law or regulatory requirements.
• Technical, security and fraud-prevention logs: retained for as long as reasonably necessary for security, audit, legal, or regulatory purposes and normally for no longer than five (5) years, unless an investigation, legal obligation, or regulatory requirement requires a longer retention period.

7.6. Where personal data is relevant to ongoing or anticipated litigation, a regulatory or internal investigation, a legal obligation, or a request from a competent regulatory, judicial, or law-enforcement authority, Cosmoswin may retain the relevant data for longer than the periods stated above where necessary or required.

Upon expiry of the applicable retention period, personal data will be securely deleted or irreversibly anonymised, unless its continued retention is required or permitted by applicable law.

7.7. Closing or suspending your account, or ceasing to use the Services, does not necessarily result in the immediate deletion of your personal data where Cosmoswin is required or permitted to retain that information under applicable law or regulatory requirements.

7.8. Depending on the applicable data protection laws, you may have rights in relation to your personal data, which may include rights to access, correct, update, restrict, object to the processing of, or request deletion of certain personal data.

Such rights may be subject to legal and regulatory limitations. In particular, Cosmoswin may be required to retain certain information notwithstanding a request for deletion where retention is necessary to comply with AML/CFT, gaming, regulatory, legal, or other record-keeping obligations.

8. Suspension and Closure of Accounts

8.1. Cosmoswin may restrict, suspend, or close your account, temporarily or permanently, where it has reasonable grounds to do so or where required by applicable law or regulatory requirements. Depending on the circumstances, such action may be taken with or without prior notice.

Circumstances in which Cosmoswin may restrict, suspend, or close an account include, but are not limited to:

• suspected or confirmed fraud, collusion, unlawful activity, manipulation, abuse of the Services, or a material breach of these Terms and Conditions;
• failure to provide information or documentation required for identity verification, Customer Due Diligence, Enhanced Due Diligence, Source of Funds, Source of Wealth, payment method verification, or other compliance purposes within the required timeframe;
• unusual or suspicious activity giving rise to money laundering, terrorist financing, proliferation financing, sanctions, fraud, or other financial-crime concerns, in accordance with Section 6 Account Verification and Anti-Money Laundering and Combating the Financing of Terrorism;
• the creation or use of duplicate, multiple, transferred, or otherwise unauthorized accounts, in accordance with Section 1 User Account;
• registration, access, or use of the Services from a jurisdiction in which such activity is prohibited or restricted, including any jurisdiction identified under Section 12 Prohibited Jurisdictions;
• a legal, regulatory, sanctions, law-enforcement, court, or competent-authority requirement;
• suspected unauthorized access to or use of the account, where restriction is reasonably necessary to protect the customer, Cosmoswin, or the security of the account;
• serious or repeated abusive, threatening, harassing, or otherwise inappropriate conduct towards Cosmoswin personnel.

8.2. Where an account is restricted or suspended, Cosmoswin may temporarily restrict deposits, withdrawals, wagering, access to funds, or other account functionality to the extent reasonably necessary for the relevant investigation, verification, security measure, or legal or regulatory requirement.

Cosmoswin may request additional information or documentation from you before restrictions are removed or the account is reactivated.

8.3. Unless otherwise required due to fraud, collusion, manipulation, an error, a legal or regulatory restriction, or another breach of these Terms and Conditions affecting the relevant wager, bets validly accepted before an account is restricted, suspended, or closed will remain valid and will be settled in accordance with the applicable betting rules.

Where a bet, transaction, or resulting winnings are directly connected with fraud, collusion, manipulation, exploitation of an error, or another breach of these Terms and Conditions, Cosmoswin may void or adjust the affected bet, transaction, or winnings where permitted by applicable law and regulatory requirements.

8.4. Upon closure of an account, any legitimate, verified, and undisputed remaining balance will be returned to you, subject to completion of any required KYC, AML/CFT, sanctions, fraud-prevention, payment verification, or other regulatory checks.

Funds may remain temporarily restricted where required by applicable law or regulatory requirements, where they are subject to an ongoing investigation or competent-authority instruction, or where their ownership, legitimacy, or entitlement remains under review.

Where funds are eligible for return, they will generally be returned to the payment method or account from which they originated, where technically and legally possible, in accordance with Section 2 Payments and, where applicable, Section 3 Cryptocurrency.

8.5. You may request the closure of your account at any time by contacting helpdesk@Cosmoswin.com. Cosmoswin may require you to complete any outstanding identity, security, payment, or regulatory verification before the remaining eligible balance can be returned.
A standard account-closure request is separate from self-exclusion or another Responsible Gambling measure. Where you wish to self-exclude or use another Responsible Gambling tool, the applicable procedure and consequences are set out in Section 8 Responsible Gambling.

9. Responsible Gambling

9.1. Cosmoswin is committed to promoting responsible gambling and providing customers with tools and information designed to help them manage their gambling activity. Gambling should be regarded as a form of entertainment and should not be considered a means of generating income.

Cosmoswin provides Responsible Gambling tools including deposit limits, reality checks, cooling-off periods, and self-exclusion. Further information, including information regarding responsible gambling and available support services, is provided in Cosmoswin's Responsible Gaming Policy.

9.2. You may set limits on the amount you are able to deposit into your Cosmoswin account on a daily, weekly, and/or monthly basis.

Once an applicable deposit limit has been reached, you will not be able to make further deposits until the relevant limit period resets.

A request to decrease a deposit limit will take effect immediately. A request to increase an existing deposit limit will be subject to a 24-hour waiting period before the increase takes effect.

Deposit limits may be established or amended by contacting Cosmoswin Customer Support at helpdesk@Cosmoswin.com, where applicable.

9.3. Cosmoswin provides a Reality Check feature designed to help you remain aware of the time spent gambling during your current session.

You may select a Reality Check interval from the options available on the Website. Once activated, a countdown timer remains visible while you are playing and displays the time remaining until your selected Reality Check interval is reached.

When the selected interval expires, the Reality Check will prompt you to pause and consider the time you have spent playing and whether you wish to continue gambling or take a break.

You may adjust your Reality Check settings directly in your Cosmoswin user account.

9.4. You may activate a temporary Cooling-Off period if you wish to take a break from gambling. Cooling-Off periods are available for:

• 24 hours;
• 7 days;
• 1 month;
• 3 months.

Once activated, a Cooling-Off period cannot be cancelled before the selected period has expired.

During the Cooling-Off period, you will not be able to log in to your account, make deposits, or place new wagers. No bonuses, free play, or promotional incentives will be offered during this period.

You may also choose to opt out of marketing communications during the Cooling-Off period.

Any bets accepted before activation of the Cooling-Off period will remain valid and will be settled in accordance with the applicable betting rules. Pending withdrawals may continue to be processed, subject to the normal verification, AML/CFT, payment, and regulatory requirements.

At the end of the selected Cooling-Off period, your account will be automatically reactivated without requiring any further action from you.

9.5. If you believe that you need to stop gambling for a longer period, you may activate Self-Exclusion for one of the following periods:

• 1 year;
• 5 years;
• lifetime.

Self-Exclusion takes effect immediately and cannot be cancelled or revoked before the selected exclusion period has expired.

Self-Exclusion will apply across all brands and domains operated under the same licence, and not solely to the Cosmoswin account through which the request was made.

During Self-Exclusion, you will not be permitted to access your account, deposit funds, or place wagers, and Cosmoswin will take reasonable measures to prevent you from opening or using another account covered by the exclusion.

Cosmoswin will not send direct marketing or promotional communications to you during the Self-Exclusion period.

9.6. Where Self-Exclusion is activated, outstanding ante-post bets will be cancelled and the relevant stakes refunded, subject to applicable AML/CFT, sanctions, verification, and regulatory requirements.

Any eligible remaining balance will be dealt with in accordance with Section 2 Payments, Section 6 Account Verification and Anti-Money Laundering and Combating the Financing of Terrorism, and applicable regulatory requirements.

9.7. Where a fixed Self-Exclusion period has expired, your account will not be automatically reactivated.

If you wish to request reactivation after the exclusion period has ended, you must submit a written request from your registered email address to helpdesk@Cosmoswin.com. Cosmoswin may carry out appropriate Responsible Gambling, identity, security, or regulatory checks before deciding whether the account may be reactivated.

A lifetime Self-Exclusion does not expire and the account will not be eligible for reactivation.

9.8. Gambling through Cosmoswin is strictly prohibited for persons under the age of 18. A person under the age of 18 must not register an account, deposit funds, or participate in any gambling activity through the Website.

Cosmoswin may carry out age and identity verification and may suspend an account while such verification is being completed.

Where Cosmoswin establishes that an account has been opened or used for gambling by a person under the age of 18, the account will be closed. Deposited funds will be returned where legally and technically permissible, subject to applicable verification and regulatory requirements, and winnings obtained through underage gambling may be forfeited.

Customers are responsible for keeping their login credentials and payment information secure and should take reasonable precautions to prevent minors from accessing their Cosmoswin account or gambling through their devices.

9.9. Cosmoswin monitors customer activity for indicators of potentially harmful or problematic gambling behaviour and may take reasonable protective measures where such concerns are identified.

Depending on the circumstances, Cosmoswin may contact the customer, recommend or apply appropriate Responsible Gambling measures, restrict account functionality, suspend the account, or exclude the customer from further gambling.

9.10. Cosmoswin may also restrict or exclude a customer who attempts to circumvent Responsible Gambling restrictions, including by creating or using additional accounts.

Any such measures will be applied for legitimate player-protection, legal, regulatory, security, or compliance purposes and will not be imposed solely because of the amount a customer has won.

9.11. If you are concerned about your gambling behaviour or believe that gambling is negatively affecting you, Cosmoswin encourages you to make use of the Responsible Gambling tools available within your user account and to seek independent support where appropriate.

Information regarding independent gambling support organisations, self-assessment resources, gambling-blocking software, and other responsible gambling resources is available in Cosmoswin's Responsible Gaming Policy.

10. Fairness and RNG Testing

10.1. Cosmoswin is committed to providing gambling services that operate fairly and in accordance with applicable regulatory requirements. Games made available through Cosmoswin are supplied by approved game providers and are subject to the technical, fairness, and compliance requirements applicable to the relevant games and gambling services.

10.2. Where a game uses a Random Number Generator (“RNG”), the RNG is designed to produce random and unpredictable game outcomes in accordance with the applicable game rules and technical standards.

10.3. Games, RNG systems, and other relevant gambling systems may be subject to independent testing and certification by appropriately qualified testing laboratories or testing entities, as required by applicable regulatory requirements.

Such testing may include, where applicable, verification of RNG functionality and randomness, game rules and mathematical calculations, Return to Player (“RTP”) calculations, transaction processing, game functionality, and the accurate recording and display of game outcomes.

10.4. The Return to Player (“RTP”) is the theoretical percentage of amounts wagered on a particular game that the game is designed to return to players over a significant number of plays.

RTP is a long-term theoretical calculation and does not represent or guarantee the amount that you will receive back during any individual gambling session. Actual results may vary significantly over shorter periods, and past results do not determine or guarantee future outcomes.

10.5. The theoretical RTP of a game is determined according to the mathematical model applicable to that game and may be calculated or verified using theoretical analysis, simulation, or another appropriate testing methodology.

10.6. Where applicable, information concerning a game's rules, features, paytable, RTP, and other relevant information can be accessed through the information or help section of the relevant game. You are responsible for reviewing the applicable game rules and information before participating.

11. Complaints and Alternative Dispute Resolution

11.1. If you have a complaint concerning your Cosmoswin account, a deposit or withdrawal, the settlement or outcome of a bet or wager, a game, a bonus or promotion, or any other aspect of the Services, you should first submit the complaint directly to Cosmoswin so that the matter can be investigated through our internal complaints procedure.

Complaints must be submitted by the registered account holder and may be submitted:

• by email to complaints@Cosmoswin.com; or
• through the Complaint Submission Form available in the Dispute Resolution section of the Website.

You should submit your complaint within six (6) months of the event giving rise to the complaint or, where the complaint concerns the settlement of a bet or wager, within six (6) months of the relevant settlement.

You should provide sufficient information to allow Cosmoswin to identify and investigate the matter, including your account details, a description of the complaint and, where available, any relevant transaction details, bet or game references, documents, screenshots, correspondence, or other supporting evidence.

11.2. Cosmoswin will handle complaints fairly, objectively, and within the timeframes applicable to the nature of the complaint.

Within two (2) business days of receiving a complaint, Cosmoswin will:

• confirm receipt of the complaint in writing;
• provide an explanation of how the complaint will be processed;
• provide information regarding the expected or average timeframe for resolution.

Complaints relating to Responsible Gambling will be prioritised due to their potential impact on player well-being. Cosmoswin will use its best efforts to resolve Responsible Gambling complaints within five (5) business days.

Where additional time is reasonably required to investigate or make an informed decision, Cosmoswin will inform you of the delay, explain the reason additional time is required, and provide a revised timeframe for resolution. Any such extension will not exceed an additional four (4) weeks.

11.3. Cosmoswin will assess and respond to all other complaints within four (4) weeks of receipt. Where additional time is reasonably required due to the complexity of the complaint or insufficient information being available, this period may be extended once by up to an additional four (4) weeks. Cosmoswin will provide prior written notice of any such extension.

Cosmoswin will maintain appropriate records of complaints received, the investigation undertaken, communications with the customer, and the outcome of the complaint.

11.4. If you are not satisfied with Cosmoswin's final response, or if your complaint has not been resolved through Cosmoswin's internal complaints procedure within the applicable timeframe, you may refer the dispute to an independent Alternative Dispute Resolution (“ADR”) provider.

Cosmoswin's designated ADR provider is:

EGIS-FZCO

CGA Certified ADR Provider

Email: disputes@egis-adr.com

You must first make reasonable use of Cosmoswin's internal complaints procedure before referring the matter to the ADR provider.

The dispute will be considered and handled by EGIS-FZCO in accordance with its applicable ADR rules and procedures.

Eligible disputes may be submitted to the ADR provider at no cost to you, subject to the ADR provider's applicable rules and procedures.

You must first make reasonable use of Cosmoswin's internal complaints procedure before referring the matter to ADR.

11.5. A decision issued by EGIS-FZCO in relation to a dispute submitted through the ADR process is final for the purposes of that ADR process. Once a decision has been issued, the same dispute may not be reopened or submitted to another ADR provider for reconsideration.

11.6. The Curaçao Gaming Authority (“CGA”) is Cosmoswin's gambling regulator but does not act as an Alternative Dispute Resolution provider or adjudicate individual player disputes.

Complaints concerning individual transactions, bets, account decisions, payments, or other disputes should therefore be submitted through Cosmoswin's internal complaints procedure and, where applicable, the designated ADR provider.

12. Prohibited Jurisdictions

12.1. Cosmoswin's Services are not available in all jurisdictions. You are responsible for ensuring that your registration, access to, and use of Cosmoswin's Services are lawful in the jurisdiction in which you reside and from which you access the Services.

The availability of the Website or the ability to access it from a particular jurisdiction does not constitute a representation or guarantee by Cosmoswin that the Services are lawful or permitted in that jurisdiction.

12.2. Cosmoswin does not accept registrations from, and does not permit the use of its Services by, persons residing in or accessing the Services from the following jurisdictions:

• Albania
• American Samoa
• Andorra
• Angola
• Anguilla
• Antarctica
• Antigua and Barbuda
• Argentina
• Armenia
• Aruba
• Australia
• Austria
• Bahamas
• Barbados
• Belarus
• Belgium
• Belize
• Benin
• Bermuda
• Bhutan
• Bolivia
• Bosnia and Herzegovina
• Botswana
• Bouvet Island
• Brazil
• British Indian Ocean Territory
• Brunei Darussalam
• Bulgaria
• Burkina Faso
• Burundi
• Cameroon
• Canada
• Cape Verde
• Cayman Islands
• Central African Republic
• Chad
• China
• Christmas Island
• Cocos (Keeling) Islands
• Colombia
• Comoros
• Congo
• Cook Islands
• Costa Rica
• Cote D'Ivoire
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Djibouti
• Dominica
• Dominican Republic
• Ecuador
• Egypt
• El Salvador
• Equatorial Guinea
• Eritrea
• Estonia
• Ethiopia
• Falkland Islands
• Faroe Islands
• Fiji
• Finland
• France
• French Guiana
• French Polynesia
• French Southern Territories
• Gabon
• Gambia
• Georgia
• Germany
• Gibraltar
• Greece
• Greenland
• Grenada
• Guadeloupe
• Guam
• Guatemala
• Guinea
• Guinea-Bissau
• Guyana
• Haiti
• Heard Island and McDonald Islands
• Holy See
• Honduras
• Hong Kong
• Hungary
• Iceland
• Indonesia
• Ireland
• Isle of Man
• Israel
• Italy
• Jamaica
• Japan
• Kazakhstan
• Kiribati
• Kyrgyzstan
• Lao People's Democratic Republic
• Latvia
• Lesotho
• Liberia
• Libya
• Liechtenstein
• Lithuania
• Luxembourg
• Macao
• North Macedonia
• Madagascar
• Malawi
• Maldives
• Mali
• Malta
• Marshall Islands
• Martinique
• Mauritania
• Mauritius
• Mayotte
• Micronesia
• Moldova
• Monaco
• Mongolia
• Montenegro
• Montserrat
• Mozambique
• Myanmar
• Namibia
• Nauru
• Nepal
• Netherlands
• Netherlands Antilles
• New Caledonia
• New Zealand
• Nicaragua
• Niger
• Niue
• Norfolk Island
• Northern Mariana Islands
• Norway
• Pakistan
• Palau
• Panama
• Papua New Guinea
• Philippines
• Pitcairn
• Poland
• Portugal
• Puerto Rico
• Reunion
• Romania
• Russia
• Rwanda
• Saint Helena
• Saint Kitts and Nevis
• Saint Lucia
• Saint Pierre and Miquelon
• Saint Vincent and the Grenadines
• Samoa
• San Marino
• Sao Tome and Principe
• Senegal
• Serbia
• Seychelles
• Sierra Leone
• Singapore
• Slovakia
• Slovenia
• Solomon Islands
• Somalia
• South Africa
• South Georgia and the South Sandwich Islands
• Spain
• Sri Lanka
• Sudan
• Suriname
• Svalbard and Jan Mayen
• Swaziland
• Sweden
• Switzerland
• Taiwan
• Tajikistan
• Togo
• Tokelau
• Tonga
• Trinidad and Tobago
• Turkey
• Turkmenistan
• Turks and Caicos Islands
• Tuvalu
• Uganda
• Ukraine
• United Arab Emirates
• United Kingdom
• United States of America
• United States Minor Outlying Islands
• Vanuatu
• Virgin Islands (British)
• Virgin Islands (U.S.)
• Wallis and Futuna
• Western Sahara
• Zambia
• Zimbabwe

12.3. Cosmoswin also prohibits registration or use of the Services where doing so would violate applicable international or national sanctions, targeted financial sanctions, or other legal or regulatory restrictions applicable to Cosmoswin.

Cosmoswin may conduct sanctions and geographic screening at registration and throughout the business relationship in accordance with Section 6 Account Verification and Anti-Money Laundering and Combating the Financing of Terrorism.

12.4. You must not use a VPN, proxy, location-masking technology, or any other method intended to conceal, manipulate, or misrepresent your actual location or country of residence for the purpose of accessing the Services from a prohibited jurisdiction or circumventing Cosmoswin's geographical restrictions.

Cosmoswin may use technical, account, payment, verification, or other information reasonably available to it to verify your country of residence and/or location.

12.5. If Cosmoswin determines that you reside in or have accessed or used the Services from a prohibited jurisdiction, or that you have attempted to circumvent applicable geographical restrictions, Cosmoswin may restrict, suspend, or close your account in accordance with Section 8 Suspension and Closure of Accounts and applicable legal and regulatory requirements.

Any remaining eligible funds will be dealt with in accordance with these Terms and Conditions, including applicable KYC, AML/CFT, sanctions, payment, and regulatory requirements.

12.6. The list of prohibited jurisdictions may be amended where necessary as a result of changes in applicable laws, regulatory requirements, licensing conditions, sanctions, Cosmoswin's risk assessment, or the availability of the Services in a particular jurisdiction. Where an amendment materially affects your ability to use the Services, Cosmoswin will take the notification or other measures required under these Terms and Conditions and applicable regulatory requirements.

13. Limitations of Liability

13.1. You acknowledge that participation in gambling involves financial risk and that you choose whether to use Cosmoswin's Services and place bets or wagers at your own discretion. Cosmoswin does not guarantee that you will win or receive any particular return from your use of the Services.

13.2. To the extent permitted by applicable law, Cosmoswin will not be liable for loss or damage resulting from events or circumstances outside its reasonable control, including:

• failures, interruptions, or delays affecting internet or telecommunications services;
• failures or malfunctions of hardware, software, networks, systems, or equipment not reasonably within Cosmoswin's control;
• failures or interruptions attributable to third-party service providers;
• power failures or other infrastructure disruptions;
• malicious attacks, cyberattacks, distributed denial-of-service (DDoS) attacks, or other unlawful interference with the Services;
• force majeure events or other circumstances beyond Cosmoswin's reasonable control.

Where such circumstances affect the availability or operation of the Services, Cosmoswin will take reasonable steps to restore normal operation where the affected systems or services are within its ability to remedy.

13.3. Cosmoswin will not be liable for loss resulting from unauthorized access to or use of your account where such access or use results from your failure to keep your login credentials confidential and secure, your disclosure of those credentials to another person, or your failure to take reasonable measures to prevent unauthorized access.

This limitation does not apply to the extent that the unauthorized access or loss results from an act or omission for which Cosmoswin is legally responsible.

13.4. Where a technical fault, software error, system malfunction, incorrect odds, incorrect paytable, settlement or calculation error, game interruption, data-feed error, or live-dealer human error materially affects a bet, wager, game, transaction, or its outcome, Cosmoswin may investigate the circumstances and, where appropriate, void, correct, recalculate, or resettle the affected transaction in accordance with the applicable game or betting rules and regulatory requirements.

Where reasonably possible, Cosmoswin will seek to restore the affected transaction or account to the position that would have applied had the error not occurred.

13.5. Where an error results in funds or winnings being incorrectly credited or paid to you, you will not be entitled to retain any amount to which you were not legitimately entitled.

You must notify Cosmoswin if you become aware that funds or winnings have been credited to you in error. Cosmoswin may correct the error, adjust your account balance, recover an incorrectly paid amount, or set off that amount against funds otherwise payable to you, where permitted by applicable law.

This provision should be read together with Section 2 Payments, including the provisions concerning funds or winnings credited in error.

13.6. Cosmoswin may temporarily suspend, restrict, modify, or discontinue all or part of the Services where reasonably necessary due to maintenance, technical or security issues, third-party service failures, legal or regulatory requirements, or circumstances outside Cosmoswin's reasonable control.

To the extent permitted by applicable law, Cosmoswin will not be liable solely because the Services are temporarily unavailable, suspended, restricted, modified, or discontinued as a result of such circumstances.

13.7. The Website or Services may contain links to websites, applications, or services operated by independent third parties. Such links are provided for convenience or informational purposes and do not mean that Cosmoswin controls or endorses the relevant third-party service.

To the extent permitted by applicable law, Cosmoswin is not responsible for the availability, content, security, privacy practices, products, or services of independent third-party websites or services. Your use of such third-party services is subject to the applicable third party's own terms and policies.

13.8. To the extent permitted by applicable law, Cosmoswin will not be liable for indirect, incidental, special, or consequential losses arising from your use of the Services, including loss of profits, loss of business, business interruption, or loss of business information, where such losses do not arise as a direct result of a breach of Cosmoswin's obligations under these Terms or applicable law.

For the avoidance of doubt, anticipated or potential gambling winnings do not constitute guaranteed winnings merely because a bet or game could potentially have produced such winnings.

13.9. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law, including liability arising from fraud, wilful misconduct, or any other liability for which exclusion or limitation is prohibited by law.

14. Service Availability and No Warranty

14.1. Cosmoswin provides the Website and Services on an “as available” basis. While Cosmoswin takes reasonable measures to maintain the availability, security, accuracy, and proper functioning of the Website and Services, Cosmoswin does not guarantee that the Website or Services will be available at all times or operate without interruption, delay, technical fault, or error.

14.2. The availability and performance of the Website and Services may be affected by maintenance, updates, technical issues, internet or telecommunications failures, third-party systems or service providers, cyberattacks, security measures, regulatory requirements, or other circumstances outside Cosmoswin's reasonable control.

Cosmoswin may temporarily suspend or restrict access to all or part of the Website or Services where reasonably necessary for maintenance, security, technical, operational, legal, or regulatory purposes.

14.3. Cosmoswin does not warrant that:

• the Website or Services will always be uninterrupted, timely, or error-free;
• every defect, interruption, or technical issue will be corrected immediately;
• the Website, servers, software, or systems will at all times be free from viruses, malicious code, or other harmful components, notwithstanding the reasonable security measures maintained by Cosmoswin;
• information made available through the Services will at all times be free from technical, display, transmission, or other errors.

Nothing in this clause limits Cosmoswin's obligation to operate the Services in accordance with applicable gaming, technical, security, and regulatory requirements.

14.4. Certain elements of the Services depend on systems and services provided by independent third parties, including internet and telecommunications providers, payment service providers, game providers, data providers, and other technology providers. Cosmoswin cannot guarantee the continuous availability or error-free operation of systems or services that are outside its reasonable control.

14.5. Where a technical fault, system or communications error, software malfunction, incorrect game information, or other error affects a bet, wager, game, transaction, payment, or account balance, the matter will be handled in accordance with Section 13 Limitations of Liability, the applicable game or betting rules, and any other relevant provisions of these Terms and Conditions.

Funds, winnings, bonuses, or other benefits credited as a result of an error may be corrected or recovered in accordance with these Terms and Conditions.

14.6. Nothing in this Section excludes or limits any warranty, obligation, right, or liability that cannot lawfully be excluded or limited under applicable law.

15. Governing Law and Jurisdiction

15.1. These Terms and Conditions, together with any policies, rules, and specific terms expressly incorporated into or referenced by them, and the contractual relationship between you and Final Enterprises N.V. in connection with your use of Cosmoswin and the Services, shall be governed by and construed in accordance with the laws of Curaçao.

15.2. Any dispute arising out of or in connection with these Terms and Conditions, your Cosmoswin account, or your use of the Services that is not resolved through the complaint and, where applicable, Alternative Dispute Resolution procedures described in Section 11 Complaints and Alternative Dispute Resolution, may be submitted to the competent courts of Curaçao.

15.3. Nothing in this Section limits or excludes any mandatory statutory rights, regulatory complaint mechanisms, or other rights or remedies available to you that cannot lawfully be excluded or restricted under applicable law.

16. Language and Interpretation

16.1. These Terms and Conditions have been drafted in the English language. Cosmoswin may make translations available for convenience. In the event of any discrepancy, inconsistency, or difference in interpretation between the English version and any translated version, the English-language version shall prevail, to the extent permitted by applicable law.

16.2. References in these Terms and Conditions to “Cosmoswin”, “we”, “us”, or “our” refer to Final Enterprises N.V., as the operator of Cosmoswin and contracting party with the player, unless the context expressly indicates otherwise.

References to “you”, “your”, “player”, or “customer” refer to the individual who registers for, holds, or uses a Cosmoswin account.

16.3. References to these “Terms” or “Terms and Conditions” include any policies, rules, promotional terms, game rules, betting rules, or other specific terms that are expressly incorporated into or referenced by these Terms, where applicable.

16.4. Headings are included for convenience and ease of reference only and do not affect the interpretation of these Terms and Conditions.

16.5. Words in the singular include the plural and vice versa where the context requires. References to “including”, “includes”, or similar expressions are illustrative and shall not be interpreted as limiting the scope of the words preceding them.

16.6. If there is any inconsistency between these Terms and Conditions and specific terms applicable to a particular bonus, promotion, game, bet, or other feature of the Services, the specific terms shall apply to that particular bonus, promotion, game, bet, or feature, unless otherwise expressly stated, provided that such specific terms do not override any mandatory legal or regulatory requirement.

17. Final Provisions

17.1. If any provision of these Terms and Conditions is determined by a court, regulator, or other competent authority to be invalid, illegal, or unenforceable, that provision shall, to the extent permitted by applicable law, be modified to the minimum extent necessary to make it valid and enforceable. If such modification is not possible, the affected provision shall be severed.

The invalidity, illegality, or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

17.2. These Terms and Conditions, together with the AML-CTF Policy, Responsible Gaming Policy, Complaints Policy, applicable game and betting rules, bonus and promotional terms, and any other policy or specific terms expressly incorporated into or referenced by these Terms, constitute the agreement between you and Final Enterprises N.V. concerning your Cosmoswin account and use of the Services.

They supersede any prior terms, representations, communications, or understandings relating to the same subject matter, except where otherwise expressly agreed in writing or required by applicable law.

17.3. Where specific terms or rules applicable to a particular game, bet, bonus, promotion, or other product feature conflict with these Terms and Conditions, the relevant specific terms or rules shall apply only in relation to that particular game, bet, bonus, promotion, or feature, to the extent permitted by applicable law.

Nothing in any specific or product-related terms may exclude or restrict any mandatory legal or regulatory requirement or any player right that cannot lawfully be excluded or restricted.

17.4. Cosmoswin will review these Terms and Conditions periodically and may amend them where reasonably necessary to reflect changes in applicable laws or regulatory requirements, the Services, products, security requirements, operational procedures, or other legitimate business requirements.

The current version of these Terms and Conditions, including the date on which they became effective or were last updated, will remain accessible through the Cosmoswin Website and, where applicable, the registration process and player account area.

Where an amendment is material, Cosmoswin will provide players with appropriate notice of the change and, where required by applicable law or regulatory requirements, will require players to actively accept the amended Terms and Conditions before continuing to use the Services.

Updated Terms and Conditions will be submitted to or made available to the Curaçao Gaming Authority (“CGA”) where required.

17.5. If Cosmoswin does not exercise or delays exercising any right or remedy available under these Terms and Conditions, this does not constitute a waiver of that right or remedy. A waiver in respect of a particular breach or circumstance does not constitute a waiver of any subsequent breach or circumstance.

17.6. If you have questions concerning these Terms and Conditions or require assistance regarding your Cosmoswin account or the Services, you may contact Cosmoswin Player Support at:

Email: helpdesk@Cosmoswin.com

Complaints should be submitted in accordance with Section 11 – Complaints and Alternative Dispute Resolution.