1. General

1.1 Website Terms of Use Agreement

1.1.1
Except for downloading one copy of the Materials on any single computer for your personal, non-commercial home use, you must not reproduce, prepare derivative works based upon, distribute, perform or display the Materials without first obtaining the written permission of The Palace Group.

1.1.2
Materials must not be used in any unauthorized manner.

1.1.3
BY USING THE WEBSITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF THIS AGREEMENT.

1.2
This page defines the Terms and Conditions that apply to all monies and wagers accepted by us at The Palace Group  (thepalacegroup.com) (the ‘website') and on any website powered by thepalacegroup.com. The Palace Group  includes the following websites www.spinpalace.com; www.rubyfortune.com; www.mummygold.com; www.jackpotsinaflash.com; www.dreambingo.com; www.bingointhebox.com; www.cabaretclub.co.uk; www.spinpalacepoker.com; www.piggs.com

1.3
It is your responsibility to make yourself aware of the terms upon which your payments are accepted. Irrespective of this, the onus is still on the customer to keep abreast of any changes.

1.4
We consider these terms to be fair. Should you need any advice regarding these or any other part of our service, please contact us. In the interests of both our customers and The Palace Group, please note that all telephone calls may be recorded on security tapes.

2. Language used in the The Palace Group  Terms and Conditions

2.1
The Palace Group Terms and Conditions as published on this website (and updated from time to time) are in English and it is the English version of these Terms and Conditions that form the basis of these Terms only. Translations into other languages may be made as a service and are made in good faith. However, in the event of ambiguity between the English version and a translation, the English version has priority over any translation.

3. About The Palace Group

3.1
The Palace Group  is a brand managed by Bayton Limited (C41970) a Maltese Registered company whose address is Villa Seminia, 8, Sir Temi Zammit Avenue, Ta’ Xbiex XBX1011, Malta.

4. Maltese Law

4.1
Please note that Maltese law applies to these Terms and Conditions

5. Licensing and Regulatory Bodies:

5.1
Bayton Limited is licensed by the Lotteries and Gaming Authority of Malta LGA/CL1/376/2007 and LGACL3/376/2007.

6. Jurisdictions

6.1
Internet Gambling may be illegal in the jurisdiction / country in which you are located or residing; if so, you are responsible for any gaming activity and you are also responsible for ensuring that you are not contravening any law or legislature prohibiting gaming online

7. Your The Palace Group account

7.1
All applicants must be over 18 years of age to register with The Palace Group. We reserve the right to ask for proof of age from any customer and suspend their account until satisfactory documentation is provided. It is each customer's responsibility to check that the laws in their state/country concerning gambling allow them to use our services prior to registration.

7.2
All information supplied when registering with the site MUST be accurate and complete in all respects. The Palace Group reserves the right to confirm a customer's address by posting an address verification letter by mail to the customer. All correspondence will be discreet and the envelope will not display any reference to The Palace Group. When such correspondence is initiated, all withdrawal requests will remain pending until the correspondence has been returned and approved by The Palace Group.

7.3
However, The Palace Group reserves the right to initiate the verification procedure by contacting you by e-mail.

7.4
Customers may only open and operate a single account. Where a customer is identified with more than one account we reserve the right to suspend these accounts until all the account details and balances (belonging to the same customer) are consolidated. Once completed, all other accounts will be terminated leaving a single active account.

7.5
Customers are asked to keep their registration details up to date. If you change your address, email, phone number or any other contact or personal information please contact support@thepalacegroup.com in order to update your account information.

7.6
The Palace Group allows all its customers to choose their own user name and password combination. Customers are asked to keep this information secret. Any actions carried our through your account will stand if your user name and password have been entered correctly.

7.7
If using a credit or debit card, the Cardholder's name MUST be the same as the name used when registering with the site. Where this is not the case the account may be suspended. Where an account is suspended, customers should contact Customer Services for details of our verification process. Any withdrawals that are made by bank wire or cheque will only be payable to the name used when registering with the site and if a debit or credit card has been used to deposit funds the name must correspond to the name registered on the card.

7.8
Updating or adding additional payment details may only be done by contacting customer services.

7.9
All applicants may be sent an email to the registered email address for account activation. All accounts may be activated through this email. If this is not completed, The Palace Group reserves the right to suspend all activities on the account until the account details are verified.

7.10
All customer offers are limited to one per person, family, household address, email address, telephone number, debit/credit card and shared computer, eg. school, public library or workplace. We reserve the right to withdraw the availability of any offer or all offers to any customer or group of customers.

7.11
By registering, the customer is deemed to have accepted and understood all the rules, terms and conditions displayed on the website by The Palace Group. We recommend that all members print out (or save to file) all transaction records, rules of play, cancellation policies, and pay-out policies.

7.12
The Palace Group shall accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with The Place Group's website or its content; including without limitation, delays or interruptions in operation or transmission, loss or corruption o f data, communication or lines failure, any person's misuse of the site or its content or any errors or omissions in content. The Palace Group reserves the right to close or suspend a customer's account.

7.13 - Minors
All applicants must be over 18 years of age to register with The Palace Group. The Palace Group absolutely prohibits minors or those underage from participating in any of the games. We reserve the right to ask for proof of age from any customer and suspend their account until satisfactory documentation is provided. It is each customer's responsibility to check that the laws in their state/country concerning gambling allow them to use our services prior to registration. Please refer to the section 6  “Jurisdictions”.  

7.15 – Account Dormancy
Should an account remain dormant or inactive with no account transactions for a period exceeding 30 months and where the account also has a balance The Palace Group shall attempt to contact the account holder with a view to return any remaining funds. Should this not be possible, then the remaining balance (if any) within that account shall be remitted to the Lottery and gaming Authority (LGA) of Malta.

7.16 – Inter-Account Transfers
The transfer of funds between individual poker accounts are strictly prohibited.

7.17 Account Suspension / Closure
The Palace Group reserves the right to close or suspend a customer's account at its sole discretion

7.18
To close your The Palace Group account please contact The Palace Group Customer Services on support@thepalacegroup.com

8. Payment Details / Withdrawals

8.1
It is the Cardholder's responsibility to retain copies of transaction records and website policies and rules.

8.2
It is the Cardholder’s responsibility to know the laws concerning online gambling in the country of domicile.

8.3
Any withdrawals that are made by bank wire or cheque will only be payable to the name used when registering with the site and if a debit or credit card has been used to deposit funds the name must correspond to the name registered on the card.

8.4
Updating or adding additional payment details may only be done by contacting customer services.

8.5
Any withdrawals are subject to the charges specified under the banking section.

9. Authorisation Procedure

9.1
The Palace Group reserves the right to ask customers for verification documents upon deposits made via credit or debit card and / or prior to executing a withdrawal. This includes, but is not limited to:

• copy of card in question (if applicable)
• copy of photographic identification documents, such as a Passport or Drivers License
• documents confirming residence such as a bank statement or utility bill no older than 3 months

9.2
Funds must be withdrawn with the same method used for depositing, up to the amount of the deposit.

9.3
Please note that an Account Holder’s withdrawal may experience a slight delay due to our identity verification process.

10. Privacy Policy

10.1 – Recording of Communications
All telephone calls may be recorded on security tapes for training and security purposes. The same applies to internet communications

10.2 - Processing of Personal Details
Any personal data received in regards to an account holder and/or registrant is:
- processed in accordance with the rights of the Account Holder concerned
- obtained only for a specific and lawful purpose
- kept in a secure manner
- is utilised for marketing purposes based on the opt-out principle

10.3 – Disclosure of Information
The Palace Group will instruct and authorize the credit financial institution by which an Account Holder's account is held to disclose any information as may be requested by the LGA in respect of an Account Holder's account. 

The Palace Group will disclose personal data when ordered to do so by any Governing Authority and/or under any legal provision contained in the Governing Law. For fraud detection and control purposes you agree that The Palace Group has the right to transfer your personal data to third parties, including so-called AVS service providers and other partners. Furthermore, The Palace Group reserves the right to disclose personal data to relevant recipients where The Palace Group has reasonable grounds to suspect irregularities that involve a The Palace Group Account. 

10.4 - Customer Relationship Management (CRM) and Marketing Materials
The Palace Group reserves the right to process personal data for CRM purposes. Players can choose not to receive marketing / promotional material at registration and / or unsubscribe from promotional material sent electronically.

10.5 – Correction of Incorrect Account Information
The Account Holder has the right to require access to the Account Holder's own personal data and/or has the right to correct and/or erase wrong and/or inappropriate data.

10.6 - Cookies / ActiveX
The The Palace Group website works by using cookies and Active X components for (but is not limited to) the following purposes:

• To identify the Account Holder's preferred language so it is automatically selected when the Account Holder returns to The Place Group;
• For analysis of The Palace Group website traffic so as to allow us to make suitable improvements.
• The operation of the games (such as the flash casino)

Please be aware that it may not possible to use the Site without accepting these components. If additional information is required, please email support@thepalacegroup.com

11. Use of bots and Illegal Software

11.1
The use and abuse of a bug in any of the gaming software provided on the The Palace Group platform is illegal.

11.2
The Palace Group shall take all necessary measure in case of a use and/or abuse of a bug from a player as blocking of the player account, freezing of the funds and eventually legal proceedings.

11.3
The use of software to influence or modify the outcome of any of the games in the Poker or Casino for financial gain is strictly forbidden and any monies acquired in this way will be deducted from the Account Holders funds.

12. Interruptions in play

12.1
The Palace Group is not liable for any downtime, server disruptions, lagging, or any technical or political disturbance to the game play. Refunds may be given solely at the discretion of The Palace Group Management

12.2
The Palace Group shall accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with The Palace Group's website or its content; including without limitation, delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the site or its content or any errors or omissions in content.

12.3
In the event of systems or communications errors relating to the generation of random numbers, bet settlement or other element of the Product, we will not be liable to you as a result of any such errors and we reserve the right to void all bets on the draws in question.

12.4
In the event of a Casino system malfunction all wagers are void.

12.5
Where a manifest error, mistake or system failure results in an incorrect odd, line or handicap taken in a bet, the bet, or that part of the bet if it is a multiple bet/parlay will be null and void.

12.6
We reserve the right to refuse or limit any wager(s) at our sole discretion for any reason whatsoever. In circumstances where a stake is deemed to be or is declared void by us at our discretion, any sum deducted from your account with respect to that stake or wager shall be credited to your account. Wagers shall only be valid if accepted by our server and subject to the Agreement. Until acceptance, no communications from you shall be binding on us and all information displayed on this site constitutes an invitation to play only. Malfunction (whether on a Website or your equipment) voids all pays and plays. Should we determine to waive a rule in the interest of fair play to you, it shall only be for that instant and shall not set a precedent for the future.

12.8
The Palace Group reserves the right to void any winnings that were obtained as a result of hardware/software error or malfunction. Players found abusing such errors/malfunctions are subject to having their account closed and any deposits and/or winnings forfeited. In the event of a Website system malfunction all bets are void.

13. Availability of Offers

13.1
All customer offers are limited to one per person, family, household address, email address, telephone number, same payment account number (e.g. debit or credit card, etc), and shared computer, eg. school, public library or workplace. We reserve the right to withdraw the availability of any offer or all offers to any customer or group of customers.

13.2
We reserve the right to reclaim all bonuses awarded and any winnings accrued if customers are found to be tampering with or abusing any aspect of a The Palace Group promotion. Where there is evidence of a series of bets placed by a customer or group of customers, which due to enhanced payments through promotional offers results in guaranteed customer profits irrespective of the outcome, The Palace Group reserves the right to ignore the bonus element of such offers and settle bets at the correct odds. We further reserve the right to ask any customer to provide sufficient documentation for us to be satisfied in our absolute discretion as to the customer's identity prior to us crediting any bonus, free bet or offer to their account.

13.3
All The Palace Group offers are intended for recreational players and The Palace Group may in our sole discretion limit the eligibility of customers to participate in any promotion.

14. Collection of winnings

14.1
Winnings are added in the selected currency for your account to the cleared balance of your account. Should you wish to withdraw some or all of your balance you may select how much you wish to have paid back. The maximum withdrawal amount per 24 hour period is 10,000GBP or currency equivalent. If you require a withdrawal in excess of this value, please contact customer services. If there are any concerns or queries regarding the collection of winnings please email support@thepalacegroup.com

15. RESPONSIBLE GAMING/GAMBLING

15.1
Gaming is supposed to be fun but can be addictive. We promote responsible gaming by:

• Enabling the blocking / suspension of accounts upon request
• Allowing you to contact one of our Customer Support Representatives or click through to one of the links provided in the Responsible Gaming page.

15.2
The Palace Group's self-exclusion policy is thus: An Account Holder may at any time request that his or her Gaming Account be closed for the reason of problem gambling. The Gaming Account will be closed without hesitation and will remain closed for a minimum of three months. Should The Palace Group deem it unwise or unhealthy for the Gaming Account to be reopened, then it will be closed forever at the sole discretion of The Palace Group.

16. Support, Disputes and Complaints

16.1
Customer Support is available if you experience any difficulties. Customer Support can be reached by email on support@thepalacegroup.com

16.2
The current balance and transaction history of your account may be viewed at any time. Should there be any claim or dispute arising from past or current transactions please contact us. If we are unable to settle the dispute we will refer the dispute to an arbiter, such as IBAS, whose decision will be final subject to full representation given to all parties involved.

16.3
Any dispute relating to the provision of the games and the validity, performance and construction of the present agreement relating to the games shall be exclusively solved in terms of Maltese law. Where recourse to the Courts of Law is necessary, Maltese courts shall have exclusive jurisdiction.

16.4
The Palace Group will endeavour to resolve all disputes in a timely and responsible manner however where a dispute remains unresolved by both parties arbitration may be sought as described above. If after this process a matter still remains unresolved a dispute may be brought to the LGA at complaints@lga.org.mt

17. Financial Institution

17.1
The Palace Group is not a financial institution and thus any deposits made into your account are not due any interest payments on the deposit(s) whatsoever

17.2
The Palace Group does not provide advice to Account Holders regarding tax and/or legal matters.

17.3
Account Holders who wish to obtain advice regarding tax and legal matters are advised to contact appropriate advisors and/or authorities in the jurisdiction in which they are domiciled and/or resident.

17.4
Account Holders are strictly prohibited from utilising The Palace Group and it systems to facilitate arbitrage through Currency Exchange transactions. Where The Palace Group deems that an Account Holder has deliberately used the aforementioned systems for financial gain through arbitrage, any gains will be forfeited and deducted from the Account Holders balance without warning or notification.

18. Other

18.1
We cannot open accounts, or process bets or financial transactions, for individuals residing in the United States of America, American Samoa, Guam, Northern Mariana Islands, Puerto Rico, United States Minor Outlying Islands, US Virgin Islands, China, South Africa, Taiwan, Hong Kong, Macau, Turkey and Israel.

18.2
Employees of the Casino, its licensees, distributors, wholesalers, subsidiaries, advertising, promotion or other agencies, media partners, retailers and members of the immediate families of each are not eligible to participate in the games.

18.3
The Casino reserves the right to cancel the Player's account for any reason whatsoever at any time without notice to the Player. Any balance in the Player's account at the time of such cancellation will be credited to his/her credit card and/or sent to the Player by check. However, the Casino reserves the right, in its unfettered discretion, to void any winnings and confiscate any balance in a Casino account in any of the following circumstances:
I) If the Player has more than one active account for the Casino;
II) If the name on the Player's Casino account does not match the name on the credit card(s) used to make deposits on a Casino account;
III) If the Player participates in a Casino promotion and cashes-in before fulfilling the requirements of that particular promotion;
IV) If the Player provides incorrect or misleading registration information;
V) If the Player is not of legal age;
VI) If the Player resides in a jurisdiction where participation in Casino games is prohibited by law;
VII) If the Player has allowed or permitted (intentionally or unintentionally) someone else to play on his/her Casino account;
VIII) If the Player has not played at the Casino on an individual basis for personal entertainment only (that is, the Player has played in a professional sense or in concert with other Player(s) as part of a club, group, etc.);
IX) If the Player has "charged back" any of the deposits made with his/her credit card on his/her Casino account;
X) If the Player is found cheating or if it is determined by the Casino that he/she has employed or made use of a system (including machines, computers, software or other automated systems) designed specifically to defeat the Casino;
OR
XI) If the Casino should become aware that the Player has played at any other on-line casino under any of the circumstances set out at I) to X) above.

18.4
By accepting any prize and/or winnings from the Casino, the Player consents to the use of his/her name for advertising and promotional purposes without additional compensation except where prohibited by law.

18.5
The Player shall hold the Casino, its employees, officers, directors, licensees, distributors, wholesalers, affiliates, subsidiaries, advertising, promotion or other agencies, media partners, agents and retailers harmless and shall fully indemnify same from any and all costs, expenses, liabilities and damages whatsoever that may arise as a result of: (i) the Player's entry, use, or reuse of the Web Site, (ii) the Player's use of any materials at the Web Site, (iii) the Player's entry, use, or reuse of the Casino's server, (iv) the Player's participation in the Casino games, or, (v) the Player's acceptance of any prize.

18.6
The Player further and specifically indemnifies this Casino, its employees, officers, directors and any and all associated or affiliated persons or organizations against any and all costs, expenses, liabilities and damages arising from any legal or other action taken either by or against the Player arising from any and all interaction with the Casino and/or any of its employees, officers, directors and any and all associated or affiliated persons or organizations. Such action shall include (but not necessarily be limited to) any actions that might arise as a result of the criminalization of online/Internet wagering within the Players jurisdiction.

18.7
In registering a Practice or Real account, you hereby consent to us contacting you through any and all means of communication (whether in written or verbal form and including, but not limited to email, telephone and SMS) in respect of matters relating to your account. To unsubscribe to any or all forms of communication, please contact customer support directly.

18.8
The Terms and Conditions contained herein represent the complete, final and exclusive agreement between You (the Player) and Spin Palace Casino and supersede and merge all prior agreements, representations and understandings between You and Spin Palace Casino with regards to playing at the Casino. Spin Palace Casino reserves the right to amend these Terms and Conditions, or to implement or amend any procedures, at any time without prior notice to You. Such amendments will be implemented at the discretion of Casino Management and put into immediate effect. Such procedural changes will only be in response to the interests and security of the Casino and/or the Players.

18.9
Before any withdrawals are processed, your play will be reviewed for any irregular playing patterns. In the interests of fair gaming, equal, zero or low margin bets or hedge betting, shall all be considered irregular gaming for bonus play-through requirement purposes. Other examples of irregular game play include but are not limited to, placing single bets equal to or in excess of 30% or more of the value of the bonus credited to their account until such time as the wagering requirements for that bonus have been met. Should the Casino deem that irregular game play has occurred, the Casino reserves the right to withhold any withdrawals and/or confiscate all winnings.

18.10
In the event of a discrepancy between the result showing on the Player's Casino software and the Casino's server software, the result showing on the Casino's server software shall be the official and governing result.

18.11
The Player is solely responsible for any applicable taxes on any prizes and/or winnings that she/he collects from the Casino

18.12
The use of the $ symbol indicates US Dollars only, the use of the C$ symbol indicates Canadian Dollars only, the use of the £ symbol indicates Great Britain Pounds only and the use of the € symbol indicates Euros only.

18.13
Please note that separate Terms and Conditions exist for the claiming of promotional offers however where wagering requirements for bonus money or free credits are not specifically stipulated in promotional offers then the rules are available on http://www.thepalacegroup.com/bonussystem.asp

Terms and Conditions version 18 December 2009 12h00