TERMS OF USE

1.1. KIRGO ("WE," "OUR," "US") IS OPERATED BY RAINING GAMES LLC, REGISTRATION NUMBER 4069, WITH REGISTERED OFFICE AT SUITE 35, GRIFFITH CORPORATE CENTRE, BEACHMONT, KINGSTOWN, ST. VINCENT AND THE GRENADINES.

1.2. WE ARE LICENSED AND REGULATED BY THE GOVERNMENT OF THE AUTONOMOUS ISLAND OF ANJOUAN, UNION OF COMOROS, UNDER LICENSE NO. ALSI-202409050-F12. RAINING GAMES LLC COMPLIES WITH ALL APPLICABLE GAMING LAWS AND IS LEGALLY AUTHORIZED TO OPERATE GAMES OF CHANCE AND WAGERING UNDER THE ANJOUAN LICENSE FRAMEWORK.

1.3. THESE TERMS OF USE, TOGETHER WITH OUR BONUS TERMS, PRIVACY POLICY, AND OTHER REFERENCED POLICIES, FORM THE COMPLETE AND BINDING LEGAL AGREEMENT BETWEEN YOU AND KIRGO.

1.4. IT'S YOUR RESPONSIBILITY TO REVIEW THESE TERMS PERIODICALLY. WE MAY UPDATE THEM AT ANY TIME TO COMPLY WITH LEGAL OR OPERATIONAL REQUIREMENTS, AND ANY CHANGES TAKE EFFECT IMMEDIATELY UPON BEING PUBLISHED ON THE WEBSITE.

1.5. THE ENGLISH VERSION OF THESE TERMS IS THE OFFICIAL VERSION. IF THERE ARE ANY DIFFERENCES BETWEEN THE ENGLISH TEXT AND ANY TRANSLATION, THE ENGLISH VERSION WILL ALWAYS PREVAIL.

2.1. TO PROTECT THE INTEGRITY OF OUR PLATFORM, WE RESERVE THE RIGHT TO REFUSE REGISTRATION, SUSPEND, OR CLOSE ANY ACCOUNT AT OUR DISCRETION.

2.2. YOU MUST BE AT LEAST 18 YEARS OLD OR THE LEGAL AGE FOR GAMING IN YOUR JURISDICTION, WHICHEVER IS GREATER. NO EXCEPTIONS. WE ARE LEGALLY REQUIRED TO ENFORCE THIS.

2.3. IF WE DETERMINE YOU WERE UNDER THE LEGAL AGE WHEN USING THE SERVICES OR ACTED ON BEHALF OF A MINOR:

• (A) WINNINGS WILL BE VOID AND CAN BE RECOVERED,
• (B) NON-WAGERED DEPOSITS MAY BE RETURNED (LESS FEES) AT OUR DISCRETION, AND
• (C) THE ACCOUNT WILL BE CLOSED. WE MAY REPORT SUSPECTED VIOLATIONS TO THE RELEVANT AUTHORITIES.

2.4. WE MAY REQUEST PROOF OF AGE AT ANY TIME TO VERIFY COMPLIANCE WITH OUR POLICIES. IF YOU FAIL TO PROVIDE SATISFACTORY PROOF, YOUR ACCOUNT WILL BE SUSPENDED.

2.5. YOU MAY NOT ACCESS OUR WEBSITE IF YOU LIVE IN A COUNTRY WHERE ACCESS TO ONLINE GAMBLING IS PROHIBITED FOR ITS RESIDENTS OR ANYONE WITHIN THAT COUNTRY.

2.6. IF YOU ARE A RESIDENT OF, OR ACCESSING THE WEBSITE FROM, ANY OF THE LISTED COUNTRIES OR TERRITORIES, YOU ARE NOT ALLOWED TO USE THE WEBSITE:

• AUSTRALIA, AUSTRIA, FRANCE AND ITS TERRITORIES, GERMANY, THE NETHERLANDS AND ITS TERRITORIES, SPAIN, THE UNION OF THE COMOROS, THE UNITED KINGDOM, THE UNITED STATES AND ITS TERRITORIES, AS WELL AS ALL FATF BLACKLISTED COUNTRIES AND ANY OTHER JURISDICTIONS CONSIDERED PROHIBITED BY THE ANJOUAN OFFSHORE FINANCIAL AUTHORITY.

2.7. USING A VPN, PROXY, OR ANY METHOD TO HIDE YOUR LOCATION AND BYPASS THESE RESTRICTIONS IS STRICTLY FORBIDDEN. DOING SO COULD LEAD TO THE PERMANENT CLOSURE OF YOUR ACCOUNT AND THE LOSS OF ALL FUNDS TIED TO IT.

3.1. TO USE OUR SERVICES, YOU MUST FIRST REGISTER A PLAYER ACCOUNT ("ACCOUNT", "KIRGO ACCOUNT").

3.2. YOU MUST PROVIDE ACCURATE AND COMPLETE INFORMATION DURING REGISTRATION, INCLUDING YOUR FULL NAME, DATE OF BIRTH, AND CONTACT DETAILS. YOU ARE RESPONSIBLE FOR KEEPING THIS INFORMATION UP TO DATE.

3.3. YOUR EMAIL ADDRESS MUST BE VALID AND ACCESSIBLE. THIS IS OUR PRIMARY WAY TO SEND YOU CRITICAL ACCOUNT NOTIFICATIONS, SUCH AS PASSWORD RESETS.

3.4. ONE ACCOUNT PER PERSON. THAT'S THE RULE.

• ONE ACCOUNT PER PERSON, HOUSEHOLD, IP ADDRESS, OR DEVICE.
• NO SHARING ACCOUNTS, EVEN WITH FAMILY MEMBERS.
• CREATING EXTRA ACCOUNTS IS CONSIDERED "DUPLICATE ACCOUNT" ABUSE.
• IT WON'T IMPROVE YOUR ODDS OR CHANGE YOUR LUCK, AND IT'S NOT PERMITTED.

3.5. IF WE IDENTIFY A DUPLICATE ACCOUNT, WE RESERVE THE RIGHT TO:

• VOID ALL BONUSES AND WINNINGS FROM THE DUPLICATE ACCOUNT.
• RECLAIM ANY WITHDRAWN FUNDS.
• PERMANENTLY CLOSE THE DUPLICATE ACCOUNT AND ANY LINKED ACCOUNTS.

3.6. IF YOU ACCIDENTALLY CREATED A SECOND ACCOUNT, CONTACT CUSTOMER SUPPORT IMMEDIATELY.

3.7. YOU ARE RESPONSIBLE FOR KEEPING YOUR LOGIN CREDENTIALS SECURE. ALL TRANSACTIONS MADE USING YOUR CREDENTIALS WILL BE CONSIDERED VALID.

3.8. KIRGO WILL NEVER ASK FOR YOUR PASSWORD.

4.1. ACCOUNT VERIFICATION (KYC) IS A MANDATORY SECURITY PROCESS.

• GOVERNMENT-ISSUED ID (PASSPORT, DRIVER'S LICENSE).
• PROOF OF ADDRESS (UTILITY BILL, BANK STATEMENT).
• PROOF OF PAYMENT METHOD.

4.2. WE MAY CONDUCT ADDITIONAL AML CHECKS AS REQUIRED.

4.3. FAILURE TO PROVIDE REQUESTED DOCUMENTS WITHIN 14 DAYS MAY RESULT IN SUSPENSION.

4.4. YOU HAVE 30 DAYS (OR THREE ATTEMPTS) TO COMPLETE VERIFICATION.

• YOUR ACCOUNT WILL BE CLOSED.
• ANY WINNINGS WILL BE FORFEITED.
• ANY REMAINING DEPOSITS WILL BE REFUNDED WHERE APPLICABLE.

4.5. VERIFICATION PROTECTS YOU AND MAINTAINS A SECURE PLATFORM.

5.1. YOU ARE RESPONSIBLE FOR ENSURING ALL PERSONAL INFORMATION IN YOUR KIRGO ACCOUNT PROFILE IS ACCURATE AND KEPT UP TO DATE. INACCURATE INFORMATION CAN LEAD TO TRANSACTION DELAYS OR OTHER RESTRICTIONS.

5.2. BY USING OUR SERVICES, YOU CONFIRM AND AGREE THAT:

• YOU ARE THE LEGAL OWNER OF THE FUNDS YOU DEPOSIT AND WITHDRAW.
• YOU WILL NOT USE ANY THIRD-PARTY OR PERSON TO FUND YOUR ACCOUNT.
• YOU UNDERSTAND AND ACCEPT THE FINANCIAL RISKS OF GAMING, INCLUDING THE POTENTIAL LOSS OF FUNDS.

5.3. A STRICT FAIR PLAY POLICY IS ENFORCED. YOU ARE PROHIBITED FROM ENGAGING IN ANY ACTIVITY THAT GIVES AN UNFAIR ADVANTAGE OR DISRUPTS THE KIRGO PLATFORM. THIS INCLUDES, BUT IS NOT LIMITED TO:

• USING BOTS, EXTERNAL SOFTWARE, OR ANY AUTOMATED TOOLS TO PLAY OR MANIPULATE GAMES.
• SHARING, SELLING, GROUP PLAY, OR TRANSFERRING YOUR KIRGO ACCOUNT TO ANOTHER PERSON.
• TRANSFERRING FUNDS DIRECTLY BETWEEN PLAYER ACCOUNTS.
• YOU HAVE NEVER HAD AN ACCOUNT CLOSED BY KIRGO FOR BREACHING ANY OF THESE TERMS.
• YOU WILL NOT ENGAGE IN FRAUDULENT, COLLUSIVE, OR UNLAWFUL ACTIVITIES AT KIRGO.

5.4. YOU ARE SOLELY RESPONSIBLE FOR REPORTING AND PAYING ANY TAXES APPLICABLE TO YOUR WINNINGS AS REQUIRED BY THE LAWS OF YOUR JURISDICTION. KIRGO DOES NOT PROVIDE TAX ADVICE.

5.5. YOU ARE RESPONSIBLE FOR ANY FUNDS YOU CHOOSE TO WAGER WHILE A WITHDRAWAL REQUEST OR OTHER DISPUTE IS PENDING. KIRGO IS NOT LIABLE FOR LOSSES INCURRED UNDER THESE CIRCUMSTANCES.

6.1. TO CLOSE YOUR KIRGO ACCOUNT, PLEASE CONTACT OUR CUSTOMER SUPPORT TEAM DIRECTLY. YOU ARE RESPONSIBLE FOR ALL ACTIVITY ON YOUR ACCOUNT UNTIL KIRGO CONFIRMS THAT THE CLOSURE PROCESS IS COMPLETE.

6.2. IF YOU'RE CLOSING YOUR ACCOUNT DUE TO A GAMBLING PROBLEM, WE ENCOURAGE YOU TO EXPLORE OUR RESPONSIBLE GAMING TOOLS OR SPEAK WITH OUR CUSTOMER SUPPORT TEAM.

6.3. WE PROCESS CLOSURE REQUESTS WITHIN 24 HOURS, AS LONG AS THERE ARE NO PENDING DISPUTES. ANY LEGITIMATE, WITHDRAWABLE BALANCE LEFT IN YOUR ACCOUNT WILL BE REFUNDED, SUBJECT TO STANDARD WITHDRAWAL POLICIES AND CHECKS.

6.4. ONCE YOUR ACCOUNT IS CLOSED, DO NOT SIGN UP FOR A NEW ONE. THIS WILL BE CONSIDERED A DUPLICATE ACCOUNT.

6.5. ACCOUNT REACTIVATION IS SUBJECT TO A THOROUGH REVIEW AND MAY REQUIRE UPDATED VERIFICATION. ACCOUNTS CLOSED DUE TO SELF-EXCLUSION, FRAUD, OR SERIOUS VIOLATIONS OF THESE TERMS CANNOT BE REACTIVATED. THIS DECISION IS FINAL.

7.1. YOU CAN ONLY USE PAYMENT METHODS THAT ARE LEGALLY YOURS. ALL DEPOSITS MUST ORIGINATE FROM A PAYMENT ACCOUNT OR CRYPTO WALLET REGISTERED IN YOUR NAME.

7.2. EACH CRYPTOCURRENCY HAS A SEPARATE WALLET IN YOUR ACCOUNT. YOU CAN HOLD MULTIPLE CRYPTOCURRENCIES BUT CANNOT MIX OR CONVERT THEM IN YOUR KIRGO ACCOUNT.

7.3. YOUR KIRGO ACCOUNT OPERATES ON A LIKE-FOR-LIKE CRYPTO WALLET SYSTEM.

• IF YOU DEPOSIT BITCOIN (BTC), IT WILL BE PLACED INTO YOUR BTC WALLET. YOU NEED TO WITHDRAW BTC.
• IF YOU DEPOSIT SOLANA (SOL), IT WILL BE PLACED INTO YOUR SOL WALLET. YOU NEED TO WITHDRAW SOL.

7.4. CRYPTOCURRENCY TRANSACTIONS ARE FINAL AND CANNOT BE REVERSED. YOU ARE ENTIRELY RESPONSIBLE FOR VERIFYING ALL DETAILS BEFORE CONFIRMING A DEPOSIT.

7.5. IN SOME CASES, IT MAY BE POSSIBLE TO RECOVER FUNDS SENT IN ERROR, TYPICALLY FOR AMOUNTS OVER $1,000.

7.6. IF WE SUCCESSFULLY RECOVER THE FUNDS, WE WILL CREDIT THEM TO YOUR KIRGO ACCOUNT.

7.7. WE ADDRESS EACH DEPOSIT ISSUE INDIVIDUALLY AND WORK TO FIND A FAIR SOLUTION.

8.1. BEFORE ANY WITHDRAWAL, YOUR DEPOSIT MUST BE WAGERED TO COMPLY WITH ANTI-MONEY LAUNDERING REQUIREMENTS. THE MINIMUM WAGERING IS:

• SLOTS: 1X THE DEPOSIT AMOUNT.
• TABLE GAMES OR LIVE CASINO: 3X THE DEPOSIT AMOUNT.
• SPORTS OR ESPORTS: 1X THE DEPOSIT AMOUNT WITH ODDS OF -200 (1.5) OR HIGHER.

HAVEN'T MET THESE REQUIREMENTS? NO PROBLEM — WE CAN REVIEW YOUR REQUEST INDIVIDUALLY.

8.2. WITHDRAWALS ARE TYPICALLY PROCESSED WITHIN 24 HOURS.

8.3. YOU CANNOT WITHDRAW FUNDS WHILE A DEPOSIT IS PENDING CONFIRMATION ON THE BLOCKCHAIN.

8.4. YOU ARE RESPONSIBLE FOR PROVIDING THE CORRECT WITHDRAWAL DETAILS.

8.5. WE MAY DELAY OR CANCEL ANY WITHDRAWAL FLAGGED FOR SECURITY REVIEW.

8.6. IF FUNDS ARE CREDITED TO YOUR ACCOUNT BY MISTAKE, YOU MUST REPORT THE ERROR IMMEDIATELY.

8.7. FOR WINNINGS OVER $150,000, WE RESERVE THE RIGHT TO PAY IN MONTHLY INSTALLMENTS OF UP TO $150,000 UNTIL THE FULL AMOUNT IS PAID.

8.8. IF YOU DISPUTE A WITHDRAWAL ISSUE, YOU MUST PROVIDE CLEAR EVIDENCE. SUBMITTING A FRAUDULENT CLAIM WILL RESULT IN FORFEITED FUNDS AND POSSIBLE ACCOUNT CLOSURE.

9.1. THE BONUS TERMS ARE A FUNDAMENTAL PART OF THESE TERMS OF USE. BY AGREEING TO THE TERMS OF USE, YOU ALSO ACKNOWLEDGE AND ACCEPT THE BONUS TERMS AS BINDING AND APPLICABLE.

10.1. ABSOLUTE RESTRICTIONS

NETENT CASINO GAMES ARE STRICTLY PROHIBITED FROM BEING SUPPLIED TO ANY ENTITY OPERATING IN THE FOLLOWING JURISDICTIONS UNLESS APPROPRIATE LICENSES ARE IN PLACE:

• BELGIUM, BULGARIA, COLOMBIA, CROATIA, CZECH REPUBLIC, DENMARK, ESTONIA, FRANCE, ITALY, LATVIA, LITHUANIA, MEXICO, PORTUGAL, ROMANIA, SPAIN, SWEDEN, SWITZERLAND, UNITED KINGDOM, UNITED STATES OF AMERICA.

10.2. BLACKLISTED TERRITORIES

NETENT CASINO GAMES ARE NOT PERMITTED IN THE FOLLOWING JURISDICTIONS UNDER ANY CIRCUMSTANCES:

• AFGHANISTAN, ALBANIA, ALGERIA, ANGOLA, AUSTRALIA, BAHAMAS, BOTSWANA, BELGIUM, BULGARIA, COLOMBIA, CROATIA, CZECH REPUBLIC, DENMARK, ESTONIA, ECUADOR, ETHIOPIA, FRANCE, GHANA, GUYANA, HONG KONG, ITALY, IRAN, IRAQ, ISRAEL, KUWAIT, LATVIA, LITHUANIA, MEXICO, NAMIBIA, NICARAGUA, NORTH KOREA, PAKISTAN, PANAMA, PHILIPPINES, PORTUGAL, ROMANIA, SINGAPORE, SPAIN, SWEDEN, SWITZERLAND, SUDAN, SYRIA, TAIWAN, TRINIDAD AND TOBAGO, TUNISIA, UGANDA, UNITED KINGDOM, UNITED STATES OF AMERICA, YEMEN, ZIMBABWE.

10.3. ADDITIONAL RESTRICTIONS FOR BRANDED GAMES

• PLANET OF THE APES VIDEO SLOT: NOT PERMITTED IN AZERBAIJAN, CHINA, INDIA, MALAYSIA, QATAR, RUSSIA, THAILAND, TURKEY, AND UKRAINE.
• VIKINGS VIDEO SLOT: NOT PERMITTED IN AZERBAIJAN, CAMBODIA, CANADA, CHINA, FRANCE, INDIA, INDONESIA, LAOS, MALAYSIA, MYANMAR, PAPUA NEW GUINEA, QATAR, RUSSIA, SOUTH KOREA, THAILAND, TURKEY, UKRAINE, AND THE UNITED STATES OF AMERICA.
• NARCOS VIDEO SLOT: NOT PERMITTED IN INDONESIA AND SOUTH KOREA.
• STREET FIGHTER VIDEO SLOT: NOT PERMITTED IN NUMEROUS LISTED TERRITORIES INCLUDING ANGUILLA, ANTIGUA & BARBUDA, ARGENTINA, ARUBA, ETC.
• FASHION TV VIDEO SLOT: NOT PERMITTED IN CUBA, JORDAN, TURKEY, AND SAUDI ARABIA.

10.4. UNIVERSAL MONSTERS TITLES

THE FOLLOWING GAMES: DRACULA, CREATURE FROM THE BLACK LAGOON, PHANTOM'S CURSE, AND THE INVISIBLE MAN, ARE ONLY PERMITTED IN THESE TERRITORIES:

• ANDORRA, AUSTRIA, ARMENIA, AZERBAIJAN, BELARUS, BOSNIA AND HERZEGOVINA, FINLAND, GEORGIA, GERMANY, GREECE, HUNGARY, ICELAND, IRELAND, LIECHTENSTEIN, LUXEMBOURG, MALTA, MOLDOVA, MONACO, MONTENEGRO, NORTH MACEDONIA, NORWAY, POLAND, RUSSIA, SAN MARINO, SERBIA, SLOVAKIA, SLOVENIA, TURKEY, AND UKRAINE.

11.1. KIRGO'S SERVICES ARE INTENDED SOLELY FOR YOUR PERSONAL ENTERTAINMENT AND ENJOYMENT. USING YOUR KIRGO ACCOUNT ON BEHALF OF ANOTHER PERSON OR FOR ANY COMMERCIAL PURPOSE IS STRICTLY PROHIBITED.

11.2. YOU ARE RESPONSIBLE FOR UNDERSTANDING THE RULES OF ANY GAME YOU PLAY AND VERIFYING EVERY TRANSACTION BEFORE SUBMITTING IT.

11.3. TECHNICAL HICCUP? IF YOU EXPERIENCE INTERRUPTED GAMES, ERRORS, OR PAYMENT ISSUES, CONTACT CUSTOMER SUPPORT IMMEDIATELY.

11.4. IF TECHNICAL ISSUES HAPPEN, HERE'S HOW KIRGO HANDLES THEM:

• BETS AFFECTED BY A CLEAR ERROR WILL BE VOIDED AND THE STAKE REFUNDED.
• INCOMPLETE GAME ROUNDS WILL BE SETTLED BASED ON SERVER DATA OR REFUNDED IF OUTCOME CANNOT BE DETERMINED.
• PAYOUTS MAY BE ADJUSTED TO CORRECT ANY VERIFIABLE ERRORS.

11.5. RESULTS POSTED ON THE WEBSITE BECOME FINAL AFTER 72 HOURS UNLESS GAME RULES SPECIFY OTHERWISE.

11.6. YOU ARE RESPONSIBLE FOR A STABLE INTERNET CONNECTION AND COMPATIBLE DEVICE. KIRGO IS NOT LIABLE FOR LOSSES DUE TO YOUR HARDWARE OR CONNECTIVITY.

11.7. ANY ATTEMPT TO THREATEN, INTIMIDATE, OR PRESSURE KIRGO OR STAFF WILL NOT BE TOLERATED AND MAY RESULT IN ACCOUNT RESTRICTIONS OR CLOSURE.

12.1. IF YOUR ACCOUNT HAS NOT LOGGED IN FOR 12 CONSECUTIVE MONTHS, IT WILL BE CLASSIFIED AS DORMANT. A $5 MONTHLY ADMINISTRATIVE FEE WILL BE DEDUCTED.

12.2. WE WILL NOTIFY YOU AT LEAST 30 DAYS BEFORE FEES START AND PROVIDE A GRACE PERIOD TO REACTIVATE YOUR ACCOUNT.

12.3. TO PREVENT DORMANCY, YOU MUST LOG IN TO RESET THE 12-MONTH INACTIVITY COUNTER.

12.4. ALL BONUS FUNDS, FREE SPINS, AND CASHBACK BALANCES WILL BE VOIDED ON DORMANCY.

12.5. REACTIVATING YOUR DORMANT ACCOUNT WILL REFUND ANY DORMANCY FEES AND MAKE YOUR BALANCE FULLY AVAILABLE.

13.1. KIRGO MAINTAINS A ZERO-TOLERANCE POLICY AGAINST ALL PROHIBITED PRACTICES. ANY ATTEMPT TO GAIN AN UNFAIR ADVANTAGE OR MISUSE SERVICES WILL LEAD TO IMMEDIATE ACTION.

13.2. PROHIBITED PRACTICES INCLUDE:

• BONUS ABUSE: USING STRATEGIES TO UNFAIRLY EXPLOIT PROMOTIONS.
• COLLUSION: TEAMING UP WITH OTHER PLAYERS TO MANIPULATE OUTCOMES.
• DUPLICATE ACCOUNTS: CREATING OR USING MULTIPLE ACCOUNTS.
• FRAUDULENT FINANCIAL ACTIVITY: USING STOLEN OR UNAUTHORIZED PAYMENT METHODS.
• SYSTEM EXPLOITATION: ABUSING SOFTWARE BUGS OR TECHNICAL LOOPHOLES.
• UNLAWFUL ACTIVITY: USING THE PLATFORM FOR CRIMINAL PURPOSES.

13.3. VIOLATIONS MAY RESULT IN ACCOUNT SUSPENSION, VOIDED TRANSACTIONS, AND LEGAL ACTION.

13.4. COOPERATE FULLY WITH INVESTIGATIONS AND REPORT ANY SUSPECTED VIOLATIONS TO CUSTOMER SUPPORT.

13.5. KIRGO WILL HANDLE POTENTIAL ISSUES FAIRLY AND INDIVIDUALLY. DECISIONS ARE FINAL.

14.1. REFUNDS ARE ISSUED ONLY UNDER SPECIFIC CONDITIONS AND APPLY EXCLUSIVELY TO UNUSED FUNDS. WAGERED FUNDS ARE NON-REFUNDABLE.

14.2. REQUEST REFUND FOR UNUSED DEPOSITS WITHIN 24 HOURS OF TRANSACTION.

• REFUNDS DO NOT COVER BONUSES OR WINNINGS.
• CRYPTOCURRENCY REFUNDS USE THE EXCHANGE RATE AT APPROVAL TIME.

EXAMPLE: IF YOU DEPOSIT $100 AND DO NOT PLACE ANY BETS, YOU CAN REQUEST A REFUND WITHIN 24 HOURS. ANY BONUS CREDITED WITH THE DEPOSIT WILL BE VOID.

14.3. REPORT UNAUTHORIZED ACCOUNT ACCESS TO CUSTOMER SUPPORT WITHIN 30 DAYS.

14.4. KIRGO RESERVES THE RIGHT TO REFUSE REFUNDS IF SECURITY OR COMPLIANCE VIOLATIONS ARE DETECTED.

15.1. WE COLLECT AND PROCESS YOUR PERSONAL INFORMATION TO OPERATE THE PLATFORM AND FULFILL LEGAL OBLIGATIONS. MAIN USES INCLUDE:

• MANAGE YOUR ACCOUNT AND ENABLE PARTICIPATION IN SERVICES.
• ENSURE TECHNICAL FUNCTIONALITY OF THE PLATFORM.
• COMPLY WITH LEGAL AND REGULATORY REQUIREMENTS.

15.2. ACCESS TO DATA IS LIMITED TO AUTHORIZED KIRGO STAFF AND TRUSTED SERVICE PROVIDERS. WE DO NOT SHARE DATA WITH OTHER THIRD PARTIES UNLESS REQUIRED BY LAW OR TO COMPLETE A TRANSACTION.

15.3. YOU HAVE RIGHTS TO ACCESS OR CORRECT YOUR PERSONAL DATA. KEEP YOUR DETAILS UPDATED VIA YOUR ACCOUNT OR CUSTOMER SUPPORT.

15.4. ACCEPTING MAJOR PRIZES OR PROMOTIONAL WINNINGS CONSENTS TO USE OF YOUR FIRST NAME AND LAST INITIAL OR USERNAME FOR MARKETING PURPOSES ONLY.

15.5. OPT OUT OF MARKETING COMMUNICATIONS VIA PROFILE SETTINGS OR "UNSUBSCRIBE" LINK. ESSENTIAL TRANSACTIONAL NOTIFICATIONS WILL STILL BE SENT.

15.6. COOKIES ARE USED TO OPERATE AND IMPROVE THE SITE. MANAGE OR DISABLE IN YOUR BROWSER, WHICH MAY LIMIT FUNCTIONALITY.

15.7. RECORDS OF COMMUNICATIONS, INCLUDING EMAILS AND CHAT LOGS, ARE KEPT FOR QUALITY ASSURANCE, TRAINING, AND AUDITING PURPOSES.

16.1. SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." KIRGO DOES NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE PERFORMANCE AND IS NOT LIABLE FOR LOSSES FROM TECHNICAL FAILURES OR EVENTS OUTSIDE OUR CONTROL.

16.2. YOU ACCEPT INHERENT FINANCIAL RISKS ASSOCIATED WITH GAMBLING. KIRGO, DIRECTORS, AND EMPLOYEES ARE NOT LIABLE FOR ANY FINANCIAL LOSSES.

16.3. YOU AGREE TO INDEMNIFY KIRGO AND ITS ASSOCIATES AGAINST CLAIMS, DAMAGES, OR EXPENSES ARISING FROM:

• BREACH OF TERMS OF USE.
• CLAIMS THAT YOUR USE VIOLATED LAWS.
• UNAUTHORIZED ACCESS TO YOUR ACCOUNT.

EXAMPLE: IF A THIRD PARTY ACCESSES YOUR ACCOUNT, YOU ARE RESPONSIBLE FOR RESULTING LOSSES.

16.4. GAMBLING RISKS INCLUDE FINANCIAL LOSS, WHICH YOU ACCEPT. KIRGO IS NOT LIABLE.

16.5. THIRD-PARTY WEBSITE CONTENT OR CLAIMS ARE INDEPENDENT OF KIRGO. RELIANCE IS AT YOUR OWN RISK.

TOTAL AGGREGATE LIABILITY IS LIMITED TO THE LESSER OF:

• (a) VALUE OF AFFECTED WAGERS;
• (b) $500 OR EQUIVALENT. BUSINESS, CONSEQUENTIAL, INDIRECT, OR PUNITIVE LOSSES ARE EXCLUDED.

KIRGO IS NOT RESPONSIBLE FOR DELAYS OR FAILURES CAUSED BY EVENTS BEYOND REASONABLE CONTROL, INCLUDING FORCE MAJEURE. SERVICES MAY BE SUSPENDED OR CANCELLED DURING SUCH EVENTS.

17.1. IF ANY PROVISION IS DEEMED INVALID OR UNENFORCEABLE, IT WILL BE MODIFIED OR REMOVED TO THE MINIMUM EXTENT NECESSARY. OTHER PROVISIONS REMAIN IN FULL FORCE.

EXAMPLE: IF A BONUS RULE CONFLICTS WITH LOCAL LAW, IT WILL BE ADJUSTED TO COMPLY WHILE CORE PRINCIPLES REMAIN.

18.1. KIRGO MAY SUSPEND, RESTRICT, OR CLOSE ACCOUNTS FOR TERMS VIOLATIONS, INCLUDING FRAUD, WITHOUT PRIOR NOTICE.

18.2. DURING SUSPENSION, ALL ACTIVITIES ARE DISABLED. IF CLOSED, VALID NON-FRAUDULENT BETS ARE HONORED, BONUSES AND WINNINGS VOIDED.

18.3. SUSPECTED VIOLATIONS MAY LEAD TO FUNDS BEING FROZEN PENDING INVESTIGATION. NOTIFICATION WILL BE PROVIDED UNLESS BREACH IS SEVERE.

18.4. CONFIRMED BREACHES MAY RESULT IN CONFISCATION OF WINNINGS, BONUSES, OR DEPOSITS. MANAGEMENT DECISIONS ARE FINAL.

EXAMPLE: EVIDENCE OF COLLUSION MAY RESULT IN ACCOUNT SUSPENSION, INVESTIGATION, AND WINNINGS CONFISCATION.

18.5. KIRGO WILL HANDLE ISSUES INDIVIDUALLY AND FAIRLY. DECISIONS AFTER REVIEW ARE FINAL.

19.1. ALL CONTENT ON THE KIRGO WEBSITE IS OWNED BY KIRGO OR LICENSORS. USE OF SERVICES DOES NOT GRANT OWNERSHIP RIGHTS.

19.2. LIMITED, NON-EXCLUSIVE, NON-TRANSFERABLE LICENSE IS PROVIDED FOR PERSONAL ENTERTAINMENT ONLY.

19.3. UNAUTHORIZED USE IS PROHIBITED, INCLUDING:

• COPYING, REPRODUCING, DISTRIBUTING, OR MODIFYING CONTENT WITHOUT CONSENT.
• USING AUTOMATED TOOLS TO MONITOR OR COPY CONTENT.
• ENGAGING IN ACTIVITY THAT HARMS KIRGO'S BRAND OR IP.

19.4. YOU ARE RESPONSIBLE FOR DAMAGES ARISING FROM UNAUTHORIZED USE.

EXAMPLE: USING KIRGO LOGO WITHOUT AUTHORIZATION MAY RESULT IN LEGAL ACTION AND DAMAGE RECOVERY.

20.1. KIRGO MAY TRANSFER OR ASSIGN THIS AGREEMENT WITHOUT AFFECTING YOUR RIGHTS OR OBLIGATIONS.

20.2. YOUR ACCOUNT AND RIGHTS ARE PERSONAL AND NON-TRANSFERABLE. SELLING, GIFTING, OR TRANSFERRING YOUR ACCOUNT OR ASSETS, INCLUDING BALANCES, WINNINGS, PROMOTIONS, OR LOYALTY CURRENCY, IS PROHIBITED.

ANY ATTEMPT IS VOID AND CONSTITUTES A TERMS BREACH.

21.1. CONTACT CUSTOMER SUPPORT FOR QUESTIONS OR CONCERNS.

21.2. CORRESPONDENCE MUST COME FROM REGISTERED EMAIL TO VERIFY ACCOUNT.

21.3. VALID COMPLAINTS WILL BE REVIEWED AND RESPONDED TO WITHIN 28 DAYS.

21.4. KIRGO ACTS IN GOOD FAITH AND ACCEPTS NO LIABILITY FOR ACTIONS TAKEN DURING COMPLAINT HANDLING.

21.5. NOT SATISFIED? PROVIDE FULL DETAILS TO CUSTOMER SUPPORT.

21.6. DISPUTES MUST BE SUBMITTED WITHIN 3 DAYS OF WAGER OR TRANSACTION.

21.7. YOU ARE RESPONSIBLE FOR VERIFYING ACCOUNT ACTIVITY.

21.8. UNRESOLVED MATTERS ARE ESCALATED TO MANAGEMENT.

21.9. REASONABLE EFFORTS WILL BE MADE TO RESOLVE. IF NO AGREEMENT, DISPUTES MAY GO TO ARBITRATION OR GAMING BOARD OF ANJOUAN.

21.10. DECISIONS BY THE GAMING BOARD ARE FINAL AND BINDING.

21.11. FOR USER-TO-USER DISPUTES, KIRGO FACILITATES PRIVATE DISCUSSIONS.

21.12. IF NO RESOLUTION WITHIN 7 DAYS, MATTER MAY GO TO ARBITRATION OR GAMING BOARD.

21.13. SERVER RECORDS TAKE PRECEDENCE OVER USER DEVICES.

21.14. DISPUTE COMMUNICATIONS REMAIN CONFIDENTIAL UNLESS REQUIRED BY LAW.

21.15. YOU CONSENT TO EXCLUSIVE JURISDICTION OF THE AUTONOMOUS ISLAND OF ANJOUAN, UNION OF COMOROS.

21.16. TEMPORARY OR INJUNCTIVE RELIEF MAY BE PURSUED TO SAFEGUARD CONFIDENTIAL INFORMATION OR IP.

22.1. THESE TERMS, INCLUDING PRIVACY, RESPONSIBLE GAMING, AND KYC POLICIES, ARE GOVERNED BY THE LAWS OF THE AUTONOMOUS ISLAND OF ANJOUAN, UNION OF COMOROS. EXCLUSIVE JURISDICTION OF COURTS IN ANJOUAN IS AGREED.

22.2. YOU WAIVE RIGHTS TO PARTICIPATE IN CLASS ACTIONS OR RELATED PROCEEDINGS AGAINST KIRGO.

NOTICES MAY BE SENT VIA WEBSITE POSTING OR REGISTERED EMAIL. YOU ARE RESPONSIBLE FOR ACCESS. NOTICES ARE RECEIVED WHEN POSTED OR RECEIVED UNLESS LAW SPECIFIES OTHERWISE.

1.1. KIRGO ("WE," "OUR," "US") IS OPERATED BY RAINING GAMES N.V., A COMPANY INCORPORATED AND REGISTERED IN CURAÇAO (CHAMBER OF COMMERCE REGISTRATION NUMBER 160905), WITH ITS REGISTERED OFFICE AT KAYA W.F.G. (JOMBI) MENSING 24, UNIT A, CURAÇAO.

1.2. WE OPERATE UNDER GAMING LICENSE NUMBER OGL/2024/2252/1179 ISSUED BY THE CURAÇAO GAMING AUTHORITY (CGA), ESTABLISHED PURSUANT TO THE NATIONAL ORDINANCE ON GAMES OF CHANCE (LANDSVERORDENING OP DE KANSSPELEN, P.B. 2024, NO. 157) (THE "LOK"). THIS LICENSE GOVERNS ALL REMOTE GAMES OF CHANCE OFFERED BY KIRGO AND ENSURES A REGULATED, SAFE, AND RESPONSIBLE GAMING ENVIRONMENT.

1.3. THESE TERMS OF USE, TOGETHER WITH OUR BONUS TERMS, PRIVACY POLICY, RESPONSIBLE GAMING POLICY, AND ALL OTHER POLICIES REFERENCED HEREIN, FORM THE COMPLETE AND LEGALLY BINDING AGREEMENT BETWEEN YOU AND KIRGO. IN THE EVENT OF ANY CONFLICT BETWEEN THESE DOCUMENTS, THESE TERMS OF USE TAKE PRECEDENCE UNLESS EXPRESSLY STATED OTHERWISE.

1.4. IT IS YOUR RESPONSIBILITY TO REVIEW THESE TERMS REGULARLY. WE MAY UPDATE THEM AT ANY TIME TO COMPLY WITH LEGAL OR OPERATIONAL REQUIREMENTS. CHANGES TAKE EFFECT IMMEDIATELY UPON PUBLICATION ON THE WEBSITE. CONTINUED USE OF OUR SERVICES AFTER ANY UPDATE CONSTITUTES YOUR ACCEPTANCE OF THE REVISED TERMS.

1.5. THE ENGLISH VERSION OF THESE TERMS IS THE OFFICIAL AND GOVERNING VERSION. IN THE EVENT OF ANY DISCREPANCY BETWEEN THE ENGLISH TEXT AND ANY TRANSLATION, THE ENGLISH VERSION SHALL ALWAYS PREVAIL.

1.6. THE GAMING AGREEMENT CONCLUDED BETWEEN KIRGO AND EACH PLAYER IS GOVERNED EXCLUSIVELY BY THE LAWS OF CURAÇAO. ANY DISPUTES ARISING FROM OR RELATING TO THE GAMING AGREEMENT SHALL BE SUBMITTED TO THE COMPETENT COURTS OF CURAÇAO, AS REQUIRED BY ARTICLE 5.5 OF THE LOK.

2.1. TO PROTECT THE INTEGRITY OF OUR PLATFORM AND COMPLY WITH APPLICABLE REGULATIONS, WE RESERVE THE RIGHT TO REFUSE REGISTRATION, SUSPEND, RESTRICT, OR PERMANENTLY CLOSE ANY ACCOUNT AT OUR SOLE DISCRETION.

2.2. YOU MUST BE AT LEAST 18 YEARS OLD, OR THE LEGAL AGE FOR GAMING IN YOUR JURISDICTION, WHICHEVER IS GREATER. WE ARE LEGALLY REQUIRED TO ENFORCE THIS AND WILL DO SO WITHOUT EXCEPTION.

2.3. WE MAY REQUEST PROOF OF AGE AT ANY TIME TO VERIFY COMPLIANCE. FAILURE TO PROVIDE SATISFACTORY PROOF WILL RESULT IN THE SUSPENSION OF THE ACCOUNT.

2.4. YOU CONFIRM THAT YOU ARE NOT A "VULNERABLE PERSON" AS DEFINED UNDER THE LOK. UNDER THAT LAW, A VULNERABLE PERSON INCLUDES:

• ANY PERSON UNDER THE AGE OF 18;
• ANY PERSON WHO DOES NOT HAVE THEIR GAMBLING BEHAVIOUR SUFFICIENTLY UNDER CONTROL, AS A RESULT OF WHICH THEY ARE ADDICTED TO OR AT RISK OF BECOMING ADDICTED TO GAMES OF CHANCE;
• ANY PERSON WHO HAS BEEN DENIED PARTICIPATION IN GAMES OF CHANCE, EITHER BY THEIR OWN REQUEST (SELF-EXCLUSION) OR BY REGULATORY ORDER;
• ANY PERSON WHO HAS BEEN DECLARED BANKRUPT OR HAS OTHERWISE LOST THE MANAGEMENT OR DISPOSAL OF THEIR ASSETS IN WHOLE OR IN PART.

2.5. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR USE OF KIRGO COMPLIES WITH THE LAWS OF YOUR COUNTRY OR TERRITORY. ACCESSING OUR SERVICES DOES NOT IMPLY OR CONFIRM THAT IT IS LEGAL FOR YOU TO DO SO.

2.6. OUR SERVICES ARE NOT AVAILABLE IN THE FOLLOWING JURISDICTIONS. THIS LIST MAY BE UPDATED AT ANY TIME WITHOUT PRIOR NOTICE:

• ALBANIA, ANGOLA, BARBADOS, BELGIUM, BRAZIL, BULGARIA, BURKINA FASO, CAYMAN ISLANDS, CENTRAL AFRICAN REPUBLIC, CONGO, CUBA, CURAÇAO, CYPRUS, CZECH REPUBLIC, CÔTE D'IVOIRE, DUTCH WEST INDIES, ESTONIA, ERITREA, ETHIOPIA, FRANCE AND ITS OVERSEAS TERRITORIES, GEORGIA, GIBRALTAR, GREECE, HAITI, HUNGARY, IRAQ, ISLAMIC REPUBLIC OF IRAN, ISLE OF MAN, ISRAEL, JAMAICA, JERSEY, LEBANON, LIBERIA, LIBYA, LIECHTENSTEIN, LITHUANIA, MALI, MAURITIUS, MYANMAR, NETHERLANDS, NICARAGUA, NORTH KOREA, PAKISTAN, PANAMA, POLAND, PORTUGAL, PUERTO RICO, ROMANIA, RWANDA, SERBIA, SIERRA LEONE, SLOVAKIA, SOMALIA, SOUTH SUDAN, SPAIN, SUDAN, SWEDEN, SYRIAN ARAB REPUBLIC, UKRAINE, UNITED KINGDOM (INCLUDING ANY OVERSEAS TERRITORIES), UNITED STATES OF AMERICA, YEMEN, AND ZIMBABWE.

2.7. USING A VPN, PROXY, OR ANY OTHER TECHNOLOGY TO CONCEAL YOUR LOCATION OR BYPASS THESE RESTRICTIONS IS STRICTLY PROHIBITED. THIS MAY RESULT IN THE IMMEDIATE AND PERMANENT CLOSURE OF YOUR ACCOUNT AND THE FORFEITURE OF ALL ASSOCIATED FUNDS.

3.1. TO USE OUR SERVICES, YOU MUST REGISTER A PLAYER ACCOUNT ("ACCOUNT" OR "KIRGO ACCOUNT"). REGISTRATION IS SUBJECT TO VERIFICATION AND OUR APPROVAL.

3.2. YOU MUST PROVIDE ACCURATE, COMPLETE, AND TRUTHFUL INFORMATION AT REGISTRATION, INCLUDING YOUR FULL LEGAL NAME, DATE OF BIRTH, RESIDENTIAL ADDRESS, AND VALID CONTACT DETAILS. YOU ARE RESPONSIBLE FOR KEEPING ALL SUCH INFORMATION UP TO DATE.

3.3. YOUR EMAIL ADDRESS MUST BE VALID AND ACCESSIBLE. THIS IS OUR PRIMARY CHANNEL FOR CRITICAL ACCOUNT COMMUNICATIONS, INCLUDING PASSWORD RESETS, SECURITY ALERTS, AND VERIFICATION REQUESTS.

3.4. ONLY ONE ACCOUNT IS PERMITTED PER PERSON. THIS MEANS:

• ONE ACCOUNT PER PERSON, HOUSEHOLD, SHARED IP ADDRESS, OR DEVICE.
• ACCOUNTS MAY NOT BE SHARED, NOT EVEN WITH FAMILY MEMBERS.
• CREATING ADDITIONAL ACCOUNTS CONSTITUTES "DUPLICATE ACCOUNT" ABUSE, REGARDLESS OF INTENT.
• MULTIPLE ACCOUNTS DO NOT AFFECT GAME OUTCOMES — OUR RNG SYSTEMS ARE ENTIRELY INDEPENDENT OF PLAYER ACCOUNT ACTIVITY.

3.5. IF WE IDENTIFY A DUPLICATE ACCOUNT, WE RESERVE THE RIGHT TO:

• VOID ALL BONUSES, WINNINGS, AND PROMOTIONAL CREDITS ASSOCIATED WITH THE DUPLICATE ACCOUNT.
• RECLAIM ANY FUNDS PREVIOUSLY WITHDRAWN FROM THE DUPLICATE ACCOUNT.
• PERMANENTLY CLOSE THE DUPLICATE ACCOUNT AND ANY LINKED ACCOUNTS.

3.6. IF YOU HAVE INADVERTENTLY CREATED A DUPLICATE ACCOUNT, CONTACT CUSTOMER SUPPORT IMMEDIATELY. WE WILL ASSESS THE CIRCUMSTANCES AND WORK WITH YOU TO RESOLVE THE MATTER.

3.7. YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR LOGIN CREDENTIALS. ALL TRANSACTIONS AUTHENTICATED USING YOUR CREDENTIALS ARE DEEMED VALID AND BINDING.

3.8. KIRGO WILL NEVER REQUEST YOUR PASSWORD. ANY SUCH REQUEST IS FRAUDULENT. WE ARE NOT LIABLE FOR LOSSES RESULTING FROM THE SHARING OR MISHANDLING OF YOUR LOGIN CREDENTIALS.

4.1. ACCOUNT VERIFICATION — ALSO REFERRED TO AS KNOW YOUR CUSTOMER (KYC) — IS A MANDATORY PROCESS REQUIRED BY LAW. TO COMPLY WITH THE NATIONAL ORDINANCE ON IDENTIFICATION FOR SERVICES (P.B. 2017, NO. 92) AND THE LOK, WE MUST VERIFY YOUR IDENTITY BEFORE PROCESSING WITHDRAWALS OR AT ANY TIME WE DEEM APPROPRIATE. WE MAY REQUEST, WITHOUT LIMITATION:

• GOVERNMENT-ISSUED PHOTO ID (PASSPORT OR DRIVER'S LICENCE);
• PROOF OF RESIDENTIAL ADDRESS (UTILITY BILL OR BANK STATEMENT, DATED WITHIN 90 DAYS);
• PROOF OF OWNERSHIP OF THE PAYMENT METHOD USED;
• SOURCE OF FUNDS DOCUMENTATION;
• ANY OTHER DOCUMENTATION REQUIRED BY APPLICABLE REGULATIONS.

4.2. WE MAY CONDUCT ANTI-MONEY LAUNDERING (AML) CHECKS, COUNTER-TERRORISM FINANCING (CTF) CHECKS, AND PROLIFERATION FINANCING CHECKS AT ANY TIME, IN COMPLIANCE WITH THE NATIONAL ORDINANCE ON COMBATING MONEY LAUNDERING, FINANCING OF TERRORISM, AND THE FINANCING OF PROLIFERATION (P.B. 2024, NO. 41).

4.3. IF WE REQUEST DOCUMENTATION, PLEASE RESPOND WITHIN 14 CALENDAR DAYS. FAILURE TO RESPOND WITHIN THIS PERIOD MAY RESULT IN ACCOUNT SUSPENSION AND THE VOIDING OF PENDING OR RECENT WINNINGS.

4.4. YOU HAVE 30 DAYS (OR THREE SUBMISSION ATTEMPTS) TO COMPLETE VERIFICATION FOLLOWING THE FIRST REQUEST. IF VERIFICATION IS NOT COMPLETED WITHIN THIS PERIOD:

• YOUR ACCOUNT WILL BE CLOSED.
• ANY UNVERIFIED WINNINGS WILL BE FORFEITED.
• ANY REMAINING DEPOSIT BALANCE WILL BE REFUNDED TO THE ORIGINAL CRYPTOCURRENCY WALLET, WHERE TECHNICALLY AND LEGALLY PERMISSIBLE.

4.5. VERIFICATION IS A REGULATORY OBLIGATION DESIGNED TO PROTECT YOU AND THE INTEGRITY OF THE PLATFORM. OUR CUSTOMER SUPPORT TEAM IS AVAILABLE TO GUIDE YOU THROUGH THE PROCESS.

5.1. YOU ARE RESPONSIBLE FOR ENSURING ALL PERSONAL INFORMATION HELD IN YOUR KIRGO ACCOUNT PROFILE IS ACCURATE AND CURRENT. INACCURATE INFORMATION MAY CAUSE TRANSACTION DELAYS, ACCOUNT RESTRICTIONS, OR OTHER ADVERSE CONSEQUENCES.

5.2. BY USING OUR SERVICES, YOU REPRESENT, WARRANT, AND AGREE THAT:

• YOU ARE NOT A VULNERABLE PERSON AS DEFINED IN THESE TERMS AND UNDER THE LOK.
• YOU ARE THE SOLE LEGAL OWNER OF ALL FUNDS DEPOSITED AND WITHDRAWN.
• YOU WILL NOT USE THIRD-PARTY FUNDS OR PAYMENT INSTRUMENTS TO FUND YOUR ACCOUNT.
• YOU UNDERSTAND AND ACCEPT THE FINANCIAL RISKS OF GAMBLING, INCLUDING THE POTENTIAL LOSS OF ALL DEPOSITED FUNDS.
• GAMBLING IS LEGAL IN YOUR JURISDICTION, AND YOU ARE NOT SUBJECT TO ANY SELF-EXCLUSION, REGULATORY RESTRICTION, OR COURT ORDER THAT PROHIBITS YOUR PARTICIPATION.
• YOU HAVE NEVER HAD AN ACCOUNT CLOSED BY KIRGO FOR A MATERIAL BREACH OF THESE TERMS.

5.3. A STRICT FAIR PLAY POLICY IS IN FORCE. YOU ARE PROHIBITED FROM ANY ACTIVITY THAT CONFERS AN UNFAIR ADVANTAGE OR DISRUPTS THE PLATFORM, INCLUDING:

• USING BOTS, SCRIPTS, AUTOMATED TOOLS, OR EXTERNAL SOFTWARE TO INFLUENCE GAME OUTCOMES OR CIRCUMVENT ANY SYSTEM.
• SHARING, SELLING, TRANSFERRING, OR PERMITTING ANOTHER PERSON TO USE YOUR KIRGO ACCOUNT.
• PARTICIPATING IN GROUP PLAY STRATEGIES OR COORDINATING WITH OTHER PLAYERS TO EXPLOIT GAME MECHANICS OR PROMOTIONAL TERMS.
• ENGAGING IN FRAUDULENT, COLLUSIVE, OR UNLAWFUL ACTIVITY.

5.4. NO CREDIT. IN ACCORDANCE WITH ARTICLE 1.4(C) OF THE LOK, KIRGO IS PROHIBITED FROM PROVIDING ANY FORM OF CREDIT TO PARTICIPANTS AND WILL NOT DO SO UNDER ANY CIRCUMSTANCES. A CONFIRMED, AVAILABLE BALANCE MUST FUND ALL PLAY.

5.5. YOU ARE SOLELY RESPONSIBLE FOR REPORTING AND PAYING ALL TAXES ON YOUR WINNINGS AS REQUIRED UNDER THE LAWS OF YOUR JURISDICTION. KIRGO DOES NOT PROVIDE TAX ADVICE.

5.6. ANY FUNDS YOU CHOOSE TO WAGER WHILE A WITHDRAWAL REQUEST OR DISPUTE IS PENDING ARE WAGERED AT YOUR OWN RISK. KIRGO IS NOT LIABLE FOR LOSSES INCURRED UNDER SUCH CIRCUMSTANCES.

6.1. TO CLOSE YOUR KIRGO ACCOUNT, CONTACT CUSTOMER SUPPORT. YOU REMAIN RESPONSIBLE FOR ALL ACCOUNT ACTIVITY UNTIL KIRGO CONFIRMS THE CLOSURE IS COMPLETE.

6.2. IF YOU ARE CLOSING YOUR ACCOUNT DUE TO A GAMBLING-RELATED CONCERN, WE STRONGLY ENCOURAGE YOU FIRST TO EXPLORE OUR RESPONSIBLE GAMING TOOLS OR CONTACT CUSTOMER SUPPORT FOR TAILORED SUPPORT. WE CAN REFER YOU TO EXTERNAL ORGANISATIONS IF REQUIRED.

6.3. CLOSURE REQUESTS ARE PROCESSED WITHIN 24 HOURS, PROVIDED NO DISPUTES OR REGULATORY HOLDS ARE PENDING. ANY LEGITIMATE, WITHDRAWABLE BALANCE WILL BE REFUNDED, SUBJECT TO STANDARD AML/KYC CHECKS.

6.4. AFTER ACCOUNT CLOSURE, YOU MUST NOT CREATE A NEW ACCOUNT. DOING SO WILL BE TREATED AS A DUPLICATE ACCOUNT. TO RESUME PLAY, YOU MUST CONTACT CUSTOMER SUPPORT TO REQUEST REACTIVATION OF YOUR ORIGINAL ACCOUNT.

6.5. ACCOUNT REACTIVATION IS SUBJECT TO REVIEW AND MAY REQUIRE UPDATED VERIFICATION DOCUMENTS. ACCOUNTS CLOSED DUE TO SELF-EXCLUSION, CONFIRMED FRAUD, OR SERIOUS TERMS VIOLATIONS CANNOT BE REACTIVATED. THIS DECISION IS FINAL.

7.1. ALL DEPOSITS MUST ORIGINATE FROM A PAYMENT ACCOUNT OR CRYPTOCURRENCY WALLET REGISTERED SOLELY IN YOUR NAME. THE USE OF THIRD-PARTY OR SHARED WALLETS IS PROHIBITED AND MAY RESULT IN ACCOUNT SUSPENSION OR PERMANENT CLOSURE.

7.2. EACH SUPPORTED CRYPTOCURRENCY HAS A DEDICATED WALLET IN YOUR ACCOUNT. MULTIPLE CRYPTOCURRENCIES MAY BE HELD SIMULTANEOUSLY, BUT CANNOT BE MIXED OR CONVERTED WITHIN KIRGO.

7.3. KIRGO OPERATES A LIKE-FOR-LIKE CRYPTOCURRENCY SYSTEM. THE CURRENCY YOU DEPOSIT IS THE CURRENCY YOU WILL WITHDRAW. EXAMPLE:

• DEPOSITING BITCOIN (BTC) = ONLY BTC WITHDRAWALS AVAILABLE FROM THAT WALLET.
• DEPOSITING SOLANA (SOL) = ONLY SOL WITHDRAWALS AVAILABLE FROM THAT WALLET.

7.4. CRYPTOCURRENCY DEPOSITS ARE IRREVERSIBLE ONCE BROADCAST TO THE BLOCKCHAIN. YOU ARE ENTIRELY RESPONSIBLE FOR VERIFYING THE WALLET ADDRESS, NETWORK, AND CURRENCY TYPE BEFORE CONFIRMING ANY DEPOSIT. KIRGO IS NOT LIABLE FOR FUNDS LOST DUE TO USER ERROR.

7.5. IN CERTAIN CASES, FUNDS SENT IN ERROR MAY BE RECOVERABLE, TYPICALLY FOR AMOUNTS EXCEEDING USD 1,000 OR EQUIVALENT. YOU MUST CONTACT CUSTOMER SUPPORT WITHIN 7 DAYS OF THE TRANSACTION TO DETERMINE IF RECOVERY IS POSSIBLE. RECOVERY IS NOT GUARANTEED.

7.6. WHERE FUNDS ARE SUCCESSFULLY RECOVERED, THEY WILL BE CREDITED TO YOUR KIRGO ACCOUNT. SOME RECOVERIES MAY REQUIRE RETURNING FUNDS TO THE ORIGINAL SENDING ADDRESS FOR COMPLIANCE REASONS, WHICH CAN TAKE UP TO 60 DAYS.

7.7. EACH DEPOSIT ISSUE IS HANDLED INDIVIDUALLY. WE WILL CONTACT YOU DIRECTLY AND WORK TRANSPARENTLY TOWARD A RESOLUTION.

8.1. BEFORE WITHDRAWAL, YOUR DEPOSITED FUNDS MUST BE WAGERED TO SATISFY OUR ANTI-MONEY LAUNDERING (AML) OBLIGATIONS. MINIMUM WAGERING REQUIREMENTS (TURNOVER) ARE:

• SLOTS: 1X THE DEPOSIT AMOUNT.
• TABLE GAMES OR LIVE CASINO: 3X THE DEPOSIT AMOUNT.
• SPORTS OR ESPORTS: 1X THE DEPOSIT AMOUNT AT ODDS OF −200 (1.50) OR HIGHER.

IF REQUIREMENTS HAVE NOT BEEN MET, CONTACT CUSTOMER SUPPORT FOR INDIVIDUAL REVIEW.

8.2. WITHDRAWALS ARE TYPICALLY PROCESSED WITHIN 24 HOURS, OFTEN WITHIN APPROXIMATELY 60 MINUTES. DELAYS MAY OCCUR DUE TO VERIFICATION CHECKS, HIGH TRANSACTION VOLUMES, BLOCKCHAIN CONGESTION, OR OTHER TECHNICAL FACTORS.

8.3. YOU MAY NOT WITHDRAW FUNDS WHILE A DEPOSIT IS PENDING BLOCKCHAIN CONFIRMATION. ANY FUNDS WAGERED DURING THIS PERIOD ARE CONSIDERED USED AND ARE NON-REFUNDABLE.

8.4. YOU ARE ENTIRELY RESPONSIBLE FOR PROVIDING CORRECT WITHDRAWAL DETAILS. BLOCKCHAIN TRANSACTIONS ARE IRREVERSIBLE. KIRGO IS NOT LIABLE FOR FUNDS SENT TO AN INCORRECT ADDRESS DUE TO USER ERROR.

8.5. WITHDRAWALS MAY BE DELAYED OR SUSPENDED WHERE THERE IS REASONABLE SUSPICION OF FRAUD, COLLUSION, MONEY LAUNDERING, OR OTHER PROHIBITED ACTIVITY, PENDING INVESTIGATION. ADDITIONAL VERIFICATION BY GAME PROVIDERS MAY ALSO EXTEND PROCESSING TIMES.

8.6. IF FUNDS ARE CREDITED TO YOUR ACCOUNT IN ERROR, YOU MUST REPORT THIS IMMEDIATELY. SUCH FUNDS REMAIN THE PROPERTY OF KIRGO, AND ANY WINNINGS DERIVED FROM THEM WILL BE VOIDED.

8.7. FOR WINNINGS EXCEEDING USD 150,000 OR CURRENCY EQUIVALENT, KIRGO RESERVES THE RIGHT TO PAY IN MONTHLY INSTALMENTS OF UP TO USD 150,000 UNTIL THE FULL AMOUNT IS SETTLED. THIS LIMITATION DOES NOT APPLY TO PROGRESSIVE JACKPOT WINS, WHICH ARE PAID IN FULL.

8.8. ANY DISPUTED WITHDRAWAL MUST BE SUPPORTED BY CLEAR EVIDENCE. KIRGO WILL REVIEW ALL SERVER LOGS AND TRANSACTION RECORDS. SUBMISSION OF A FRAUDULENT CLAIM MAY RESULT IN THE FORFEITURE OF FUNDS AND THE CLOSURE OF THE ACCOUNT.

9.1. THE KIRGO BONUS TERMS AND CONDITIONS ("BONUS TERMS") ARE AN INTEGRAL AND BINDING PART OF THESE TERMS OF USE. BY ACCEPTING THESE TERMS, YOU ALSO ACCEPT THE BONUS TERMS IN FULL. THE BONUS TERMS ARE AVAILABLE ON THE KIRGO WEBSITE.

10.1. NETENT — ABSOLUTE RESTRICTIONS

NETENT CASINO GAMES ARE STRICTLY PROHIBITED FROM BEING SUPPLIED TO ANY ENTITY OPERATING IN THE FOLLOWING JURISDICTIONS UNLESS THE OPERATOR HOLDS AN APPLICABLE LOCAL LICENCE:

• BELGIUM, BULGARIA, COLOMBIA, CROATIA, CZECH REPUBLIC, DENMARK, ESTONIA, FRANCE, ITALY, LATVIA, LITHUANIA, MEXICO, PORTUGAL, ROMANIA, SPAIN, SWEDEN, SWITZERLAND, UNITED KINGDOM, UNITED STATES OF AMERICA.

10.2. NETENT — BLACKLISTED TERRITORIES

NETENT CASINO GAMES ARE NOT PERMITTED IN THE FOLLOWING JURISDICTIONS UNDER ANY CIRCUMSTANCES:

• AFGHANISTAN, ALBANIA, ALGERIA, ANGOLA, AUSTRALIA, BAHAMAS, BOTSWANA, BELGIUM, BULGARIA, COLOMBIA, CROATIA, CZECH REPUBLIC, DENMARK, ESTONIA, ECUADOR, ETHIOPIA, FRANCE, GHANA, GUYANA, HONG KONG, ITALY, IRAN, IRAQ, ISRAEL, KUWAIT, LATVIA, LITHUANIA, MEXICO, NAMIBIA, NICARAGUA, NORTH KOREA, PAKISTAN, PANAMA, PHILIPPINES, PORTUGAL, ROMANIA, SINGAPORE, SPAIN, SWEDEN, SWITZERLAND, SUDAN, SYRIA, TAIWAN, TRINIDAD AND TOBAGO, TUNISIA, UGANDA, UNITED KINGDOM, UNITED STATES OF AMERICA, YEMEN, ZIMBABWE.

10.3. NETENT — BRANDED GAME RESTRICTIONS

• PLANET OF THE APES: NOT PERMITTED IN AZERBAIJAN, CHINA, INDIA, MALAYSIA, QATAR, RUSSIA, THAILAND, TURKEY, UKRAINE.
• VIKINGS: NOT PERMITTED IN AZERBAIJAN, CAMBODIA, CANADA, CHINA, FRANCE, INDIA, INDONESIA, LAOS, MALAYSIA, MYANMAR, PAPUA NEW GUINEA, QATAR, RUSSIA, SOUTH KOREA, THAILAND, TURKEY, UKRAINE, UNITED STATES OF AMERICA.
• NARCOS: NOT PERMITTED IN INDONESIA AND SOUTH KOREA.
• STREET FIGHTER: NOT PERMITTED IN ANGUILLA, ANTIGUA & BARBUDA, ARGENTINA, ARUBA, BARBADOS, BAHAMAS, BELIZE, BERMUDA, BOLIVIA, BONAIRE, BRAZIL, BRITISH VIRGIN ISLANDS, CANADA, CAYMAN ISLANDS, CHINA, CHILE, CLIPPERTON ISLAND, COLOMBIA, COSTA RICA, CUBA, CURAÇAO, DOMINICA, DOMINICAN REPUBLIC, EL SALVADOR, GREENLAND, GRENADA, GUADELOUPE, GUATEMALA, GUYANA, HAITI, HONDURAS, JAMAICA, JAPAN, MARTINIQUE, MEXICO, MONTSERRAT, NAVASSA ISLAND, PARAGUAY, PERU, PUERTO RICO, SABA, SAINT BARTHELEMY, SAINT EUSTATIUS, SAINT KITTS AND NEVIS, SAINT LUCIA, SAINT MAARTEN, SAINT MARTIN, SAINT PIERRE AND MIQUELON, SAINT VINCENT AND THE GRENADINES, SOUTH KOREA, SURINAME, TURKS AND CAICOS ISLANDS, UNITED STATES OF AMERICA, URUGUAY, US VIRGIN ISLANDS, VENEZUELA.
• FASHION TV: NOT PERMITTED IN CUBA, JORDAN, TURKEY, OR SAUDI ARABIA.

10.4. UNIVERSAL MONSTERS TITLES

DRACULA, CREATURE FROM THE BLACK LAGOON, PHANTOM'S CURSE, AND THE INVISIBLE MAN ARE ONLY PERMITTED IN:

• ANDORRA, AUSTRIA, ARMENIA, AZERBAIJAN, BELARUS, BOSNIA AND HERZEGOVINA, FINLAND, GEORGIA, GERMANY, GREECE, HUNGARY, ICELAND, IRELAND, LIECHTENSTEIN, LUXEMBOURG, MALTA, MOLDOVA, MONACO, MONTENEGRO, NORTH MACEDONIA, NORWAY, POLAND, RUSSIA, SAN MARINO, SERBIA, SLOVAKIA, SLOVENIA, TURKEY, UKRAINE.

11.1. KIRGO'S SERVICES ARE PROVIDED SOLELY FOR YOUR PERSONAL, NON-COMMERCIAL ENTERTAINMENT. USING YOUR ACCOUNT ON BEHALF OF ANOTHER PERSON, OR FOR ANY COMMERCIAL PURPOSE, IS STRICTLY PROHIBITED.

11.2. YOU ARE RESPONSIBLE FOR UNDERSTANDING THE RULES OF EACH GAME YOU PLAY AND FOR VERIFYING TRANSACTION DETAILS BEFORE SUBMISSION. KIRGO RESERVES THE RIGHT TO VOID BETS OR TRANSACTIONS THAT VIOLATE GAME RULES OR THESE TERMS.

11.3. PROHIBITED GAME CONTENT: IN ACCORDANCE WITH ARTICLE 1.4 OF THE LOK, KIRGO DOES NOT OFFER AND WILL NOT OFFER GAMES OF CHANCE WHOSE OUTCOME DEPENDS IN WHOLE OR IN PART ON REAL EVENTS RELATED TO A DISASTER OR CRISIS, THE EXPLOITATION OF PEOPLE OR ANIMALS, OR CONTENT THAT ENDANGERS LIFE OR IS OFFENSIVE TO PUBLIC DECENCY.

11.4. IF YOU EXPERIENCE TECHNICAL ERRORS, INTERRUPTED GAME ROUNDS, OR PAYMENT ISSUES, CONTACT CUSTOMER SUPPORT IMMEDIATELY. EXPLOITING IDENTIFIED TECHNICAL FAULTS MAY RESULT IN PENALTIES, INCLUDING ACCOUNT SUSPENSION AND FORFEITURE OF FUNDS DERIVED FROM THE EXPLOIT.

11.5. HOW KIRGO HANDLES TECHNICAL ISSUES:

• BETS AFFECTED BY A VERIFIED TECHNICAL ERROR WILL BE VOIDED, AND THE STAKE WILL BE REFUNDED.
• INCOMPLETE GAME ROUNDS WILL BE SETTLED USING SERVER-SIDE DATA OR REFUNDED WHERE THE OUTCOME CANNOT BE DETERMINED.
• PAYOUTS MAY BE ADJUSTED TO CORRECT VERIFIABLE ERRORS.

11.6. YOU ARE RESPONSIBLE FOR MAINTAINING A STABLE INTERNET CONNECTION AND A COMPATIBLE DEVICE. KIRGO IS NOT LIABLE FOR LOSSES OR DISRUPTIONS CAUSED BY YOUR HARDWARE, SOFTWARE, OR CONNECTIVITY.

11.7. WE PROVIDE FORMAL CHANNELS FOR COMPLAINTS AND FEEDBACK. HOWEVER, ANY ATTEMPT TO COERCE KIRGO OR ITS STAFF THROUGH THREATS, INTIMIDATION, DEFAMATORY SOCIAL MEDIA POSTS, THREATS OF LEGAL ACTION, OR HARASSMENT WILL NOT BE TOLERATED AND MAY RESULT IN ACCOUNT CLOSURE.

11.8. YOU MAY NOT REPRODUCE, DISTRIBUTE, OR PUBLISH ANY CONTENT FROM THE KIRGO WEBSITE WITHOUT OUR PRIOR WRITTEN CONSENT.

12.1. KIRGO IS COMMITTED TO PROVIDING A SAFE, RESPONSIBLE, AND TRANSPARENT GAMING ENVIRONMENT. WE MAINTAIN AND ENFORCE A WRITTEN RESPONSIBLE GAMING POLICY THAT INCLUDES, AT A MINIMUM:

• GENERAL INFORMATION ABOUT GAMBLING ADDICTION IS MADE AVAILABLE TO ALL PLAYERS;
• METHODS FOR IDENTIFYING VULNERABLE PERSONS;
• MEASURES TO PREVENT EXCESSIVE OR PROBLEM GAMBLING;
• SELF-EXCLUSION TOOLS FOR PLAYERS WHO WISH TO LIMIT OR STOP THEIR PARTICIPATION.

12.2. SELF-EXCLUSION. IF YOU REQUEST IN WRITING TO BE EXCLUDED FROM PARTICIPATION IN GAMES OF CHANCE, KIRGO WILL DENY YOU ACCESS TO GAMBLING FOR A MINIMUM PERIOD OF 12 MONTHS FROM THE DATE OF THE WRITTEN REQUEST. THIS REQUEST IS IRREVOCABLE FOR THE DURATION OF THE EXCLUSION PERIOD. SELF-EXCLUSION REQUESTS MUST BE SUBMITTED TO CUSTOMER SUPPORT.

12.3. WE OFFER ADDITIONAL RESPONSIBLE GAMING TOOLS, INCLUDING DEPOSIT LIMITS, SESSION TIME LIMITS, WAGER LIMITS, AND COOLING-OFF PERIODS. YOU MAY ACCESS THESE THROUGH YOUR ACCOUNT SETTINGS OR BY CONTACTING CUSTOMER SUPPORT.

12.4. PLAYERS WHO HAVE SELF-EXCLUDED MAY NOT CREATE A NEW ACCOUNT OR REQUEST REACTIVATION DURING THE EXCLUSION PERIOD.

12.5. MARKETING AND ADVERTISING. IN COMPLIANCE WITH ARTICLE 5.6 OF THE LOK, KIRGO ENSURES THAT ALL MARKETING AND ADVERTISING ACTIVITIES:

• DO NOT ENCOURAGE EXCESSIVE PARTICIPATION IN GAMES OF CHANCE;
• ARE NOT MISLEADING TO PLAYERS;
• ARE NOT DIRECTED AT OR TARGETED TOWARDS VULNERABLE PERSONS.

12.6. IF YOU BELIEVE YOU OR SOMEONE YOU KNOW MAY HAVE A PROBLEM WITH GAMBLING, WE ENCOURAGE YOU TO SEEK SUPPORT FROM RESPONSIBLE GAMING ORGANISATIONS. OUR CUSTOMER SUPPORT TEAM CAN PROVIDE REFERRALS AND GUIDANCE.

13.1. AN ACCOUNT THAT HAS NO RECORDED LOGINS FOR 12 CONSECUTIVE MONTHS WILL BE CLASSIFIED AS DORMANT. A MONTHLY ADMINISTRATIVE FEE OF USD 5 (OR EQUIVALENT) WILL BE DEDUCTED FROM THE REMAINING BALANCE UPON ASSIGNMENT OF DORMANCY STATUS.

13.2. YOU WILL RECEIVE AT LEAST 30 DAYS' ADVANCE NOTICE BEFORE DORMANCY FEES BEGIN, ALONG WITH A GRACE PERIOD TO REACTIVATE YOUR ACCOUNT WITHOUT CHARGES.

13.3. LOGGING IN RESETS THE 12-MONTH INACTIVITY COUNTER AND PREVENTS DORMANCY CLASSIFICATION.

13.4. ALL BONUS FUNDS, FREE SPINS, AND CASHBACK BALANCES ARE VOIDED UPON THE ACCOUNT BECOMING DORMANT. THESE ARE NON-REFUNDABLE AND CANNOT BE REINSTATED UPON REACTIVATION.

13.5. IF YOU REACTIVATE A DORMANT ACCOUNT BY LOGGING IN, ANY DORMANCY FEES CHARGED DURING THE DORMANCY PERIOD WILL BE REFUNDED TO YOUR REAL-MONEY BALANCE. TO ARRANGE WITHDRAWAL FROM A DORMANT ACCOUNT WITHOUT REACTIVATION, CONTACT CUSTOMER SUPPORT.

14.1. KIRGO OPERATES A ZERO-TOLERANCE POLICY AGAINST ALL PROHIBITED PRACTICES. ANY ATTEMPT TO GAIN AN UNFAIR ADVANTAGE, DEFRAUD THE PLATFORM, CIRCUMVENT OUR SECURITY CONTROLS, OR MISUSE OUR SERVICES WILL RESULT IN IMMEDIATE ACTION.

14.2. PROHIBITED PRACTICES INCLUDE, WITHOUT LIMITATION:

• BONUS ABUSE: EXPLOITING PROMOTIONAL TERMS THROUGH LOW-RISK BETTING PATTERNS, INTENTIONAL GAME ROUND DELAYS, STAKE MANIPULATION TO SATISFY WAGERING REQUIREMENTS, OR OTHER STRATEGIES DESIGNED TO CONVERT BONUS FUNDS TO WITHDRAWABLE BALANCE WITHOUT GENUINE PLAY.
• COLLUSION: COORDINATING WITH OTHER PLAYERS TO MANIPULATE GAME OUTCOMES.
• DUPLICATE ACCOUNTS: OPERATING MORE THAN ONE ACCOUNT.
• FRAUDULENT FINANCIAL ACTIVITY: USING STOLEN, CLONED, OR UNAUTHORISED PAYMENT METHODS; INITIATING UNJUSTIFIED CHARGEBACKS OR DEPOSIT REVERSALS.
• SYSTEM EXPLOITATION: ABUSING SOFTWARE BUGS, TECHNICAL ERRORS, OR PLATFORM LOOPHOLES.
• MONEY LAUNDERING AND PROLIFERATION FINANCING: USING THE PLATFORM FOR ANY PURPOSE THAT CONSTITUTES MONEY LAUNDERING, TERRORISM FINANCING, OR PROLIFERATION FINANCING UNDER THE LOK AND ASSOCIATED AML LEGISLATION.

14.3. UPON CONFIRMATION OF PROHIBITED PRACTICE, WE MAY TAKE ONE OR MORE OF THE FOLLOWING ACTIONS:

• IMMEDIATELY SUSPEND OR PERMANENTLY CLOSE YOUR ACCOUNT.
• VOID ALL ASSOCIATED TRANSACTIONS AND CONFISCATE RELATED WINNINGS, BONUSES, AND DEPOSITS.
• WITHHOLD FUNDS TO COVER LOSSES OR DAMAGES SUFFERED BY KIRGO.
• REPORT YOUR ACTIVITY AND SHARE RELEVANT INFORMATION WITH LAW ENFORCEMENT, FINANCIAL INTELLIGENCE UNITS, THE CGA, AND OTHER REGULATORY BODIES.

14.4. YOU MUST COOPERATE FULLY WITH ANY INVESTIGATION, INCLUDING PROVIDING DOCUMENTS OR INFORMATION ON REQUEST. IF YOU SUSPECT ANOTHER PLAYER OF VIOLATING THESE RULES, PLEASE REPORT THIS TO CUSTOMER SUPPORT.

14.5. WHERE CIRCUMSTANCES ARE AMBIGUOUS, WE WILL CONTACT YOU DIRECTLY TO EXPLAIN THE CONCERN AND HANDLE EACH CASE INDIVIDUALLY, ENSURING FAIRNESS. OUR DECISION FOLLOWING A THOROUGH REVIEW IS FINAL AND BINDING.

15.1. REFUNDS ARE ISSUED ONLY IN SPECIFIC CIRCUMSTANCES AND APPLY EXCLUSIVELY TO UNUSED FUNDS. WAGERED FUNDS ARE CONSIDERED SPENT AND ARE NON-REFUNDABLE.

15.2. AN UNUSED DEPOSIT MAY BE REFUNDED WITHIN 24 HOURS OF THE TRANSACTION, PROVIDED NO GAMING ACTIVITY HAS TAKEN PLACE WITH THOSE FUNDS. REFUNDS:

• DO NOT INCLUDE BONUSES OR WINNINGS ASSOCIATED WITH THE DEPOSIT.
• FOR CRYPTOCURRENCY, THE FINAL AMOUNT IS CALCULATED USING THE EXCHANGE RATE AT THE TIME THE REFUND IS APPROVED.

15.3. IF YOU BELIEVE YOUR ACCOUNT WAS ACCESSED AND FUNDS USED WITHOUT YOUR AUTHORISATION, YOU MUST REPORT THE RELEVANT TRANSACTIONS TO CUSTOMER SUPPORT WITHIN 30 DAYS OF THE EVENT.

15.4. KIRGO RESERVES THE RIGHT TO REFUSE A REFUND OR RETURN FUNDS TO THE ORIGINAL PAYMENT SOURCE WHERE ACTIVITY VIOLATES OUR SECURITY, AML/CTF, OR COMPLIANCE POLICIES.

16.1. WE COLLECT AND PROCESS YOUR PERSONAL DATA TO OPERATE THE PLATFORM AND FULFIL OUR LEGAL OBLIGATIONS UNDER THE LOK, THE NATIONAL ORDINANCE ON IDENTIFICATION FOR SERVICES, AND APPLICABLE DATA PROTECTION REGULATIONS. YOUR DATA IS USED TO:

• MANAGE YOUR ACCOUNT AND ENABLE PARTICIPATION IN OUR SERVICES;
• ENSURE TECHNICAL PLATFORM FUNCTIONALITY;
• COMPLY WITH AML, CTF, PROLIFERATION FINANCING, AND OTHER LEGAL AND REGULATORY REQUIREMENTS;
• CONDUCT IDENTITY VERIFICATION (KYC) AND ONGOING DUE DILIGENCE.

16.2. ACCESS TO YOUR DATA IS RESTRICTED TO AUTHORISED KIRGO STAFF AND TRUSTED SERVICE PROVIDERS WHO REQUIRE IT TO FULFIL THEIR FUNCTIONS. WE WILL NOT SHARE YOUR DATA WITH THIRD PARTIES UNLESS REQUIRED BY LAW, BY COURT ORDER, OR TO COMPLETE A TRANSACTION YOU HAVE REQUESTED. YOUR USE OF OUR SERVICES CONSTITUTES CONSENT TO THESE DISCLOSURES.

16.3. YOU HAVE SPECIFIC RIGHTS OVER YOUR PERSONAL DATA, INCLUDING THE RIGHT TO ACCESS IT AND CORRECT INACCURACIES. UPDATE YOUR INFORMATION IN YOUR ACCOUNT PROFILE OR CONTACT CUSTOMER SUPPORT.

16.4. BY ACCEPTING A MAJOR PRIZE OR WINNING FROM A PROMOTIONAL EVENT, YOU CONSENT TO KIRGO USING YOUR FIRST NAME AND LAST INITIAL OR USERNAME FOR MARKETING PURPOSES. FULL PERSONAL DETAILS WILL NOT BE USED WITHOUT EXPLICIT CONSENT.

16.5. YOU MAY OPT OUT OF MARKETING COMMUNICATIONS AT ANY TIME VIA YOUR PROFILE SETTINGS OR THE UNSUBSCRIBE LINK IN OUR EMAILS. CRITICAL TRANSACTIONAL NOTIFICATIONS (E.G., DEPOSIT CONFIRMATIONS, PASSWORD RESETS) WILL CONTINUE REGARDLESS.

16.6. WE USE COOKIES TO OPERATE AND IMPROVE THE KIRGO PLATFORM. YOU MAY MANAGE COOKIE PREFERENCES THROUGH YOUR BROWSER SETTINGS; HOWEVER, DOING SO MAY LIMIT CERTAIN PLATFORM FEATURES.

16.7. KIRGO RETAINS RECORDS OF COMMUNICATIONS (EMAILS, CHAT LOGS) FOR QUALITY ASSURANCE, COMPLIANCE, TRAINING, AND AUDITING PURPOSES, IN ACCORDANCE WITH APPLICABLE RETENTION OBLIGATIONS.

17.1. OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DO NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE PERFORMANCE AND ARE NOT LIABLE FOR LOSSES RESULTING FROM TECHNICAL FAILURES, SYSTEM DOWNTIME, FORCE MAJEURE EVENTS, OR CIRCUMSTANCES OUTSIDE OUR DIRECT CONTROL.

17.2. YOU ACKNOWLEDGE AND ACCEPT THE INHERENT FINANCIAL RISKS OF GAMBLING. BY USING OUR SERVICES, YOU AGREE THAT KIRGO, ITS DIRECTORS, AND EMPLOYEES ARE NOT LIABLE FOR ANY FINANCIAL LOSSES YOU INCUR.

17.3. YOU AGREE TO FULLY INDEMNIFY KIRGO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AND SERVICE PROVIDERS AGAINST ANY CLAIMS, LIABILITIES, DAMAGES, LOSSES, AND LEGAL FEES ARISING FROM:

• YOUR BREACH OF THESE TERMS;
• ANY CLAIM THAT YOUR USE OF THE SERVICES VIOLATED APPLICABLE LAW;
• UNAUTHORISED ACCESS TO YOUR ACCOUNT RESULTING FROM YOUR FAILURE TO SECURE YOUR CREDENTIALS.

17.4. KIRGO IS NOT RESPONSIBLE FOR THE CONTENT OF THIRD-PARTY WEBSITES LINKED FROM OUR PLATFORM, NOR FOR STATEMENTS, CLAIMS, OR PROMOTIONS MADE BY AFFILIATES, INFLUENCERS, OR OTHER THIRD PARTIES. FOR ACCURATE AND AUTHORITATIVE INFORMATION, REFER ONLY TO KIRGO'S OFFICIAL WEBSITE AND THESE TERMS.

17.5. ALL THIRD-PARTY CONTENT IS INDEPENDENT OF KIRGO AND DOES NOT REFLECT OUR VIEWS OR POLICIES. KIRGO ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM RELIANCE ON THIRD-PARTY CLAIMS.

18.1. IF ANY PROVISION OF THESE TERMS IS DETERMINED BY A COMPETENT AUTHORITY TO BE INVALID OR UNENFORCEABLE, THAT PROVISION WILL BE MODIFIED TO THE MINIMUM EXTENT NECESSARY TO MAKE IT ENFORCEABLE. IF MODIFICATION IS NOT POSSIBLE, THE PROVISION WILL BE SEVERED. ALL REMAINING PROVISIONS WILL CONTINUE IN FULL FORCE AND EFFECT.

19.1. WE RESERVE THE RIGHT TO SUSPEND, RESTRICT, OR PERMANENTLY CLOSE ANY ACCOUNT AT OUR SOLE DISCRETION FOR VIOLATIONS OF THESE TERMS. IN CASES OF SUSPECTED FRAUD, MONEY LAUNDERING, PROLIFERATION FINANCING, OR OTHER SERIOUS BREACHES, ACTION MAY BE TAKEN WITHOUT PRIOR NOTICE.

19.2. DURING A SUSPENSION, ALL ACCOUNT ACTIVITIES, INCLUDING DEPOSITS, WITHDRAWALS, AND WAGERING, ARE DISABLED. IF AN ACCOUNT IS PERMANENTLY CLOSED, VALID NON-FRAUDULENT BETS PLACED BEFORE CLOSURE WILL BE HONOURED, BUT BONUSES AND PENDING WINNINGS WILL BE VOIDED.

19.3. WHERE A VIOLATION IS SUSPECTED, WE MAY FREEZE ACCOUNT FUNDS DURING INVESTIGATION. WE WILL NOTIFY YOU OF THE SUSPENSION AND PROVIDE AN OPPORTUNITY TO RESPOND, EXCEPT IN CASES OF SERIOUS OR URGENT BREACH.

19.4. IF THE INVESTIGATION CONFIRMS A BREACH, KIRGO RESERVES THE RIGHT TO CONFISCATE WINNINGS, BONUSES, OR DEPOSITS. ALL DECISIONS BY KIRGO MANAGEMENT FOLLOWING A THOROUGH REVIEW ARE FINAL AND BINDING.

19.5. WHERE CIRCUMSTANCES ARE NOT CLEAR-CUT, WE WILL CONTACT YOU DIRECTLY, EXPLAIN THE SITUATION CLEARLY, AND HANDLE EACH CASE INDIVIDUALLY. OUR DECISION, FOLLOWING A THOROUGH REVIEW, IS FINAL AND BINDING.

20.1. ALL CONTENT ON THE KIRGO WEBSITE — INCLUDING TEXT, GRAPHICS, LOGOS, SOFTWARE, DESIGN, TRADEMARKS, AND GAME ASSETS ("INTELLECTUAL PROPERTY") — IS OWNED BY KIRGO OR OUR LICENSORS. USE OF OUR SERVICES DOES NOT GRANT YOU ANY OWNERSHIP RIGHTS IN OUR INTELLECTUAL PROPERTY.

20.2. WE GRANT YOU A LIMITED, NON-EXCLUSIVE, NON-TRANSFERABLE, REVOCABLE LICENCE TO ACCESS AND USE OUR SERVICES FOR YOUR PERSONAL, NON-COMMERCIAL ENTERTAINMENT ONLY.

20.3. YOU MAY NOT:

• COPY, REPRODUCE, DISTRIBUTE, MODIFY, OR PUBLICLY DISPLAY ANY CONTENT FROM THE KIRGO WEBSITE WITHOUT PRIOR WRITTEN CONSENT;
• USE AUTOMATED TOOLS (BOTS, SCRAPERS, CRAWLERS) TO MONITOR OR COPY OUR CONTENT;
• ENGAGE IN ANY ACTIVITY THAT HARMS OR INFRINGES OUR BRAND, REPUTATION, OR INTELLECTUAL PROPERTY RIGHTS.

20.4. YOU ARE LIABLE FOR ANY DAMAGES, COSTS, OR LEGAL EXPENSES ARISING FROM YOUR UNAUTHORISED USE OF KIRGO'S INTELLECTUAL PROPERTY.

21.1. KIRGO RESERVES THE RIGHT TO TRANSFER, ASSIGN, NOVATE, OR OTHERWISE DEAL WITH THIS AGREEMENT, IN WHOLE OR IN PART, TO ANY THIRD PARTY AT ANY TIME. YOUR SUBSTANTIVE RIGHTS UNDER THESE TERMS WILL NOT BE ADVERSELY AFFECTED.

21.2. YOUR KIRGO ACCOUNT AND ALL ASSOCIATED RIGHTS ARE STRICTLY PERSONAL AND NON-TRANSFERABLE. YOU ARE PROHIBITED FROM SELLING, GIFTING, TRADING, PLEDGING, OR TRANSFERRING YOUR ACCOUNT OR ANY ASSETS WITHIN IT — INCLUDING ACCOUNT BALANCES, WINNINGS, PROMOTIONS, LOYALTY CREDITS, OR ANY OTHER VALUABLE INTEREST — TO ANY THIRD PARTY. ANY PURPORTED TRANSFER IS VOID AND CONSTITUTES A MATERIAL BREACH OF THESE TERMS.

22.1. IF YOU HAVE A COMPLAINT, PLEASE CONTACT OUR CUSTOMER SUPPORT TEAM. FOLLOW THE PROCESS OUTLINED ON THE KIRGO WEBSITE.

22.2. COMPLAINT HANDLING TIMELINES (IN ACCORDANCE WITH ARTICLE 5.3 OF THE LOK):

• YOU MAY SUBMIT A COMPLAINT WITHIN 6 MONTHS OF THE INCIDENT GIVING RISE TO IT.
• WE WILL CONFIRM RECEIPT OF YOUR COMPLAINT IN WRITING WITHIN 1 WEEK.
• WE WILL PROVIDE A WRITTEN, REASONED FINAL DETERMINATION WITHIN 4 WEEKS OF RECEIVING THE COMPLAINT.
• THESE 4 WEEKS MAY BE EXTENDED BY A FURTHER 4 WEEKS, WITH WRITTEN NOTIFICATION TO YOU.

22.3. ALTERNATIVE DISPUTE RESOLUTION (ADR). KIRGO PROVIDES ACCESS TO A CGA-APPROVED ALTERNATIVE DISPUTE RESOLUTION SERVICE AT ALL TIMES. THIS SERVICE IS PROVIDED TO YOU FREE OF CHARGE, WITH COSTS BORNE ENTIRELY BY KIRGO, IN COMPLIANCE WITH ARTICLE 5.3(6)–(7) OF THE LOK. DETAILS OF THE ADR SERVICE ARE AVAILABLE ON THE KIRGO WEBSITE.

22.4. ESCALATION: IF YOUR COMPLAINT IS NOT RESOLVED TO YOUR SATISFACTION THROUGH OUR INTERNAL PROCESS, YOU MAY ESCALATE THE MATTER TO THE CGA-APPROVED ADR PROVIDER OR TO THE CURAÇAO GAMING AUTHORITY.

22.5. ONLY THE REGISTERED KIRGO ACCOUNT HOLDER MAY SUBMIT A COMPLAINT. COMPLAINT TIME LIMITS:

• GENERAL ISSUES: MUST BE SUBMITTED WITHIN 6 MONTHS OF THE INCIDENT.
• TRANSACTION ISSUES: MUST BE SUBMITTED WITHIN 3 MONTHS OF THE TRANSACTION DATE.
• CLAIMS SUBMITTED OUTSIDE THESE PERIODS WILL NOT BE CONSIDERED.

22.6. KIRGO'S SERVER RECORDS CONSTITUTE THE AUTHORITATIVE RECORD FOR THE RESOLUTION OF DISPUTES RELATING TO GAME OUTCOMES OR TRANSACTION HISTORY.

23.1. THESE TERMS OF USE ARE GOVERNED BY AND SHALL BE INTERPRETED IN ACCORDANCE WITH THE LAWS OF CURAÇAO, INCLUDING, WITHOUT LIMITATION, THE NATIONAL ORDINANCE ON GAMES OF CHANCE (LOK, P.B. 2024, NO. 157).

23.2. BY USING THE KIRGO WEBSITE, YOU IRREVOCABLY CONSENT TO THE EXCLUSIVE JURISDICTION OF THE COURTS OF CURAÇAO FOR ANY DISPUTES, CLAIMS, OR PROCEEDINGS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, INCLUDING MATTERS OF INTERPRETATION, VALIDITY, OR ENFORCEMENT.

24.1. RAINING GAMES N.V. OPERATES KIRGO UNDER A GAMING LICENSE OGL/2024/2252/1179 ISSUED BY THE CURAÇAO GAMING AUTHORITY (CGA).

24.2. THE CGA IS THE COMPETENT SUPERVISORY AUTHORITY FOR ONLINE GAMING IN CURAÇAO AND MAY BE CONTACTED AT: CURAÇAO GAMING AUTHORITY, CURAÇAO. THE CGA'S PUBLIC REGISTER OF LICENSED OPERATORS IS AVAILABLE ON THE CGA WEBSITE AT WWW.GAMINGCONTROLCURACAO.ORG.

24.3. PLAYER FUNDS ARE MANAGED IN ACCORDANCE WITH THE REQUIREMENTS OF THE LOK. KIRGO PARTICIPATES IN THE GUARANTEE FUND ESTABLISHED UNDER ARTICLE 5.7 OF THE LOK TO ENSURE THE PAYMENT OF PLAYER FUNDS TO PARTICIPANTS.

24.4. KIRGO COMPLIES WITH THE NATIONAL ORDINANCE ON REPORTING UNUSUAL TRANSACTIONS (P.B. 2017, NO. 99), THE NATIONAL ORDINANCE ON IDENTIFICATION FOR SERVICES (P.B. 2017, NO. 92), THE SANCTIONS NATIONAL ORDINANCE (P.B. 2014, NO. 55), AND THE NATIONAL ORDINANCE ON COMBATING MONEY LAUNDERING, FINANCING OF TERRORISM, AND THE FINANCING OF PROLIFERATION (P.B. 2024, NO. 41).

24.5. KIRGO IS REGISTERED IN THE GOAML REPORTING SYSTEM AS REQUIRED BY THE RELEVANT NATIONAL DECREE.