General Terms and Conditions

The event, on the occurrence of which bets can be placed, is determined by Merkur Bets.

The CUSTOMER declares by accepting a betting offer from Merkur Bets

1. to be at least 18 years old;
2. to place the bet on his own account and in his own name;
3. not to have any certain knowledge of the occurrence of the event or result bet on prior to the conclusion of the contract;
4. not to have or be able to have a decisive influence on the occurrence of the bet event or result;
5. that the funds with which he/she is contesting his/her betting stake do not originate from any unlawful act and are freely available to him/her;
6. that he is not prohibited or prevented from participating in betting for legal or other reasons;
7. that participation in bets offered by Merkur Bets is also legally permissible at his/her place of residence and at his place of domicile and his/her residential address is in one of the countries selectable in the registration form;
8. that there is no (self-)blocking against him and that he does not suffer from an addictive disease and is not undergoing medical treatment due to such a disease
9. the betting stake selected is in reasonable proportion to the customer"s economic capacity.

If the customer"s declaration regarding points 3.1., 3.3. and 3.4. is incorrect, the betting contract shall be invalid. The customer shall not be entitled to any betting winnings.

The betting contract is concluded by the customer"s acceptance of Merkur Bets" legally binding betting offer. The betting contract shall only be concluded upon receipt of the customer"s declaration of acceptance by Merkur Bets. The betting contract is concluded in Malta. Third parties are not authorized to make and receive legally binding declarations (in particular declarations of betting acceptance) on behalf of Merkur Bets. Declarations of acceptance by the customer can only be transmitted to Merkur Bets with legal effect via the channels specially set up for this purpose; in particular, betting acceptance is not possible by e-mail, letter or telephone.

Merkur Bets is entitled at any time to refuse to submit betting offers without giving reasons, to limit the amount of stakes before accepting the bets and/or to make changes to the odds before the bets are placed. Merkur Bets" betting offers are updated on an ongoing basis. Previous betting offers of Merkur Bets that have not yet been accepted shall become invalid as a result of the update.

The betting contract is concluded by acceptance of a betting offer. In the event of any ambiguity as to the time or circumstances of the conclusion of the bet, Merkur Bets" records shall prevail.

The electronic betting slip serves as confirmation of the previous betting transaction and records the essential content of the betting contract. Objections to the correctness of the betting slip must be raised by the customer immediately after the electronic betting slip has been issued. If no objections are raised immediately, the customer shall be deemed to have accepted the correctness of the contents of the betting slip. Subsequent objections are irrelevant.

Merkur Bets reserves the right to cancel any bet made on obviously "wrong" odds, switched odds or a bet made after an event has started.

Should it become apparent after the betting contract has been concluded that the content of the betting contract is neither determined nor determinable for whatever reason, the bet shall be invalid. In this case the betting stake shall be refunded and there shall be no entitlement to winnings.

The customer is not permitted to assign, pledge or otherwise legally dispose of any claims against Merkur Bets arising from betting contracts, whether against payment or free of charge, or to offset such claims against claims of Merkur Bets.

1. Among other, the following types of bets are offered – partly also in combined form – on sporting betting events:

   • Single bet: A single bet is placed on the occurrence of a single event or an event or result personalized by the bettor (e.g. victory of team A, defeat of team A, draw, player X scores a goal, etc). The possible winning results from the stake multiplied by the odds.
   • Live bets: The betting event on which the bet is placed has already started at the time the bet is placed (e.g. in a soccer match, a bet is placed on the victory of team A during the 80th minute).
   • Combination bet: In a combination bet, at least two bets are combined with each other. The overall odds are calculated by multiplying the odds of all individual tips of the placed combination bet. The bet is won only if all tips are correct.
   • System bets: In a system bet, several bets are combined in one betting slip, whereby the customer can choose how many tips must be correct so that the system bet respectively the "betting slip" is not lost. In a system bet "2 out of 4", the customer selects 4 tips. "2 out of 4" means that the customer bets all possible two-combination bets from the pool of the four selected tips. Using the example of four tips A, B, C, D, the customer bets the following two-combination bets: AB, AC, AD, BC, BD, CD. In this example, a win is achieved if at least 2 of the 4 tips are correct; only then is a combination bet included in the system bet won. The total stake for the system bet respectively the "bet slip" is divided among the number of possible combinations. In the case of a "2 out of 4" system bet, there are 6 possible combinations from the 4 selected tips. For the determination of the winnings, each combination bet placed in the system bet is considered and evaluated individually with the stake attributable to it. In system bets, so-called "banks" are also offered. A bank is an additional tip that is part of all combination bets placed by the customer. However, if a "bank" is wrong, the entire system bet respectively the entire "betting slip" – regardless of how many tips were otherwise correct – is lost. Analogously to the example with the 4 tips A, B, C, D, adding a bank X means that the customer has bet the following with the system "2 out of 4 and a bank": XAB, XAC, XAD, XBC, XBD, XCD.
   • Multiway bet: A multiway bet consists of several bets on different events or results of a betting event. The stake per bet is calculated from the total stake of the multi-way bet divided by the number of bets (ways). The winnings are calculated from the (proportional) stake per bet (way) multiplied by the odds of the winning bet (way).
     

     Example of a 3-way combination bet with one multi-way (the multi-way bet is made up of combination bets 1 and 2 in the following example):

   Multi-way bet, total stake € 10,–	Selection	Odds	Selection	Odds	Result	Status
   Man. Utd. – Chelsea Selection 1 & Draw	1	2.5	X	3.5	2:1	Won
   Real Madrid – Valencia Selection 1	1	2.4			2:0	Won
   Barcelona – Atl. Madrid Selection 1	1	2.1			1:0	Won
   Payout	€ 63,–

   Combination bet 1, stake € 5,–	Selection	Odds	Selection	Odds	Result	Status
   Man. Utd. – Chelsea Selection 1	1	2.5			2:1	Won
   Real Madrid – Valencia Selection 1	1	2.4			2:0	Won
   Barcelona – Atl. Madrid Selection 1	1	2.1			1:0	Won
   Payout	€ 63,–

   Combination bet 2, stake € 5,–	Selection	Odds	Selection	Odds	Result	Status
   Man. Utd. – Chelsea Draw			X	3.5	2:1	Lost
   Real Madrid – Valencia Selection 1	1	2.4			2:0	Won
   Barcelona – Atl. Madrid Selection 1	1	2.1			1:0	Won
   Payout	€ 0,–

   • Remaining time bet: Events or results (e.g. goals or sets played) that have occurred before the bet is placed do not count. Only the event or result that would have occurred if the betting event had started after or at the time the bet was placed is relevant.
   • Over-Under bet: A bet on "under" or "-" (less) wins if the total number of events that occurred (e.g. goals, points, etc.) on which the bet was placed is less than the figure set by the bookmaker. A bet on "over" or "+" (more) wins if the total number of events occurred is above the figure set by the bookmaker.
     
     • Example: The bookmaker gives a figure of 1.5 for goals scored in a soccer match. If someone bets on "under", he bets that less than 1.5 goals (i.e. not more than 1 goal) will be scored. If the customer bets on "over", he bets that more than 1.5 goals (i.e. at least 2 goals) will be scored.
   • Handicap bet: In a handicap bet, a participant in the betting event starts it with a "fictitious lead". This handicap is added to the final result of the betting event. The final result including the handicap is considered. For example, a handicap of 0:2 means that 2 points/goals are added to the final result for the second-named team.

   Numbers and signs are used when paraphrasing possible bets. "1" means that the first named team will win. "2" means that the second named team will win. "X" means a draw or a tie.

2. In the following cases, the bet is invalid, with the legal consequence that there is no entitlement to any win and the betting stake must be returned to the customer:

   • If the betting event is listed in the betting offer with the wrong home right (e.g. reversed home right – unless the home team, for whatever reason, exercises its home right at a foreign sports facility);
   • If the wrong tournament mode (championship vs knockout mode) is listed in the betting offer.
   • If the conclusion of the bet takes place after the actual start of the betting event on which the bet is based. This does not apply to live bets and long-term bets. The time of the conclusion of the betting contract registered by Merkur Bets is binding for the customer.
   • If a betting event is cancelled or does not take place for any other reason, unless
     
     • an abandoned match is resumed within 24 hours (local time is taken into consideration). This does not apply to cancelled or abandoned games in the sport of baseball, or
     • the betting event as part of a sporting tournament event (e.g. world, European or national championships, Olympics, tennis tournament, etc.) is later entered;
   • All bets on postponed (not begun) matches should be void if these won"t start within 48 hours. An exception is made for bets on Soccer (multiple 48 hour according to the rules), Tennis (should be played within the tournament), Olympic Games (should be played within the tournament), and Baseball (should start exactly at kick-off).
   • If a betting event is postponed, cancelled or does not start at the time displayed in the betting offer and rescheduled for a date within the 48 hours and then postponed again, all bets will be active for yet another 48 hours from the last rescheduled date. This process would continue as long as the postponed game kept getting rescheduled within the 48 hours.
   • When a tennis match is ended by w.o. or withdrawal, a tennis player did not participate in the match or is disqualified;

3. The following regulations apply in particular to the assessment of the betting outcome:

   • Relevant are the results determined immediately after the end of the betting event (e.g. award ceremony, if this takes place immediately after the betting event). Decisions made at the green table are not taken into account.
   • Unless otherwise stipulated in the betting rules for a specific sport, the result at the end of the total playing time (regular playing time plus any stoppage time, but excluding extra time) shall be decisive. Any extra time, penalty shootouts, etc., therefore have no effect on the betting contract, unless the contracting parties have agreed otherwise. The "regular playing time" is defined by the official rules of the respective sport. In football, this consists of 2 x 45 minutes plus any stoppage time. If a match is officially declared finished by the referee before the expiration of the regular playing time, all bets shall remain valid. If the relevant governing body determines before the start of the betting event that the duration of the match will be modified, such determination shall be regarded as an official rule for that betting event (e.g. junior football: 2 x 40 minutes). Any extra time, penalty shootouts, etc., therefore have no effect on the betting contract, unless the contracting parties have agreed otherwise.
   • Full-time bets on betting events with 90 minutes scheduled play (3 x 30 minutes) are still considered valid. Half-time bets are considered void. All bets on 80 minutes scheduled play (2 x 40 minutes) are still considered valid. If the playing schedule is different from the above stated, all bets are void.
   • If two or more competitions of the same type (e.g. two Giant Slaloms) take place at one location, all bets placed before the start of the first betting eventare valid only for the first betting event, unless expressly agreed otherwise.
   • In American football, basketball and baseball, the result after the total playing time applies for the evaluation of all betting events and variants including extra time unless the exclusion of extra time is explicitly stated for a betting variant or a draw odds (X) is offered.
   • In case of "dead heat" (2 or more equal finishers), the payouts for the correct tip are divided accordingly. To determine the payout amount, the stake is multiplied by the odds and then divided by the number of equal finishers (e.g.: Stake of 100, odds on the winner of 1.80, results in a bet payout of 180, with two winners the payout is therefore 90 each, with three winners 60 each). If only two starters (teams) take part in betting events (e.g. in Head to Head betting) and no draw odds are offered, the payouts are not divided in the case of "dead heat", but the betting stake is paid back; there is no claim to winnings in this case.
   • Winter Sports Non-Starters: If a participant does not start the official event, all bets will be void. If an abandoned winter sport event is reduced to a single round or run, all bets regarding the participant will be void. Participants must start both rounds (unless they fail to qualify for the second round), or bets will be void.

4. For bets related to the awarding of cards, the following applies:

   • These bets are similar to Over/Under wager. Win/Loss is determined by Yellow/Red cards accumulated for cards shown to both teams. A yellow card counts as 1 point, and a red card counts as 2 points. The maximum number of points per player is 3 (1 for a yellow and 2 for a straight red or a second yellow leading to a red). Any card shown after the full-time whistle blow will be disregarded. Cards for managers and players on bench are not considered.

5. Special conditions for the variant "Player x scores" or "Player x scores + match result" and "Player x gets yellow card" or "Player x gets red card", which must be marked as "SUB+":

   • If the selected player is substituted during the match, the bet will automatically be transferred to the player who replaces them. Any relevant events (e.g. goals, etc.) involving the substitute player will be added to the original bet. Any results achieved by the originally selected player prior to the substitution will remain valid and will be combined with the performance of the substitute player.
   • Player to score goal X: Predict the name of the player who will score the quoted goal. Own goals will not count for first or subsequent goal scorers. If any goal is officially awarded as an own goal, the result of the following goal scorer bets will count for the settlement of the original one – e.g. first goal of the game is an own goal. The scorer of the second goal will be settled as the winner for both the first and second goal scorer. In the event of the first goal scorer being an own goal and that being the only goal of the game, both the first and second goal scorers will be settled as no goal scorer. Bets on players not taking part in the match will be void upon user request.

6. Special provisions for betting on tennis events:

   • In the event a match does not go the specified number of sets, and the match is shortened by tournament officials, the leader determined to be official by tournament officials shall be the winner. For example: A match is scheduled for 5 sets, but only 3 sets can be played because of the weather. The leader at the end of 3 sets would be declared the winner of the match.
   • Total Games (over/under full event): In the event of retirement, disqualification or change of surface mid-match, bets will be voided unless there is no conceivable way the set and/or match can be played to its natural conclusion without unconditionally determining the result of these bets.
     
     Example: If first set score is 6-4, second set score is 3-1 and retire happens, game over under 16.5 or fewer in match will be settled as winners/losers respectively, since any natural conclusion to the match would have at least 17 games. Bets on over/under 17.5 or more will be voided.
     
   • Total Set Games (over/under): Finished set stand, the unfinished set can be played to its natural conclusion and settled as in the example:
     
     Example: A set is abandoned at 4-4, I win if I placed a bet on Over 9.5 (since any natural conclusion to the set would have at least 10 games); I lost the bet if I placed a bet on Under 9.5 (since any natural conclusion to the set would have at least 10 games); I get my stake back if I placed a bet on O/U 10.5 (it is undecided, the set could have ended 6-4).

7. Special provisions for live betting

   Live bets are identified as such by an addition in the betting offer and/or on the betting slip ("Live" or "Live bet"). These bets can explicitly be placed after the start of the betting event. The odds change dynamically with this form of betting and are (constantly) adjusted according to the current course of the betting event. The decisive result for the evaluation of the live bet is the result determined immediately after the end of the respective betting event. Subsequent changes (e.g. decisions at the "green table") have no influence on the evaluation of the live bet offered.

   The betting contract is invalid, with the legal consequence that there is no right to winnings and the betting stake is to be paid back to the customer if

   1. the customer has placed the live bet in the knowledge of information which is decisive for the outcome of the bet and which was not yet known to the general public at the time the bet was placed, or
   2. the customer has noticed, or obviously should have noticed, that the indicated odds are too high because current developments in pending betting events have not yet been taken into account. In this case, the customer may adhere to the betting contract by adjusting the odds to a normal market odds that take the current developments into account.

   When concluding the live bet, the current interim result or the current interim standings of a betting event shall be displayed. The betting contract shall be invalid if the displayed intermediate standings or results of the betting event were incorrect at the time of the betting contract conclusion and this incorrectness could have an impact on the conclusion or the outcome of the betting contract.

   Bets placed from the moment of the initiation of video evidence proceedings, which could have an impact on the outcome of the betting event, are invalid if the video evidence proceedings result in a changed decision of the referee. This provision applies only to video evidence proceedings initiated by a person authorized to do so within the scope of the respective sport.

8. Special provisions for betting on e-sports:

   Settlement will be based on the official result as declared by the relevant tournament officials.

   If a match is postponed or suspended all bets will have action only 48 hours after (scheduled) kickoff.

   In the event of a match starting but not being completed, all bets will be void unless the specific outcome is already determined.

   1. Outright/Winner

   • Predict which team/participant will win the event. Bets on non-starting participants will be refunded. If a tournament is not completed, all Outright bets will be voided. If a team/player plays at least one map, they will be considered an entrant. If that team does not complete the tournament later, they will be settled as a loser.
   • Match betting refers to the winner of the Match/Game/Map/Round.

   2. Total Bets

   • All bets will be voided if the match is not completed unless settlement is already determined.

   3. Correct Score

   • If the match is not completed, all bets will be voided, unless the outcome is already determined.

   FIFA

   1. Match Betting 2Way & 3Way

   • Predict who will win the match. Where the event finishes in a draw, 2-way bets will be voided. If there is a change in the participants or their teams, all bets are voided. If any match is not played or is awarded to one player or team by walkover or default without play having commenced, all bets on that match are voided.

   2. Race to X Goals

   • Predict the participant who reaches the quoted number of goals first in the game or relevant period. The option "None" is included.

   NBA2k

   1. Match Betting 2Way & 3Way

   • Bet on who will win the match. Where the event finishes in a draw, 2-way bets will be voided. If the match is abandoned at any time, then all outcomes will be voided, except that the outcomes settlement is already decided.

   2. Race to X Points

   • Settled on the team who reaches the quoted number of points first, in the event of an abandonment before time end then all bets will be voided unless settlement is already determined.

Merkur Bets references to time are to Central European Time (CET).

Merkur Bets is a member of the International Betting Integrity Association (IBIA, formerly ESSA), a non-profit organization that monitors irregular betting patterns and possible manipulation of sports events. As part of this membership, Merkur Bets is involved in an early warning system designed to identify such betting behavior.

As a member of IBIA, Merkur Bets is obliged to follow certain procedures in relation to betting contracts and their settlement in connection with manipulations. In this sense, it is agreed as follows:

If a betting contract is based on a manipulated betting event, Merkur Bets is not obliged to credit or pay out the betting profit to the customer. However, the customer shall be refunded the betting stake paid at his request.

If the customer is indirectly or directly involved in the manipulation, if he has knowledge of the manipulation at the time of conclusion of the betting contract or if the customer is in any other adequate connection with such a manipulated betting event, Merkur Bets shall neither be obliged to credit or pay out the betting profit to the customer nor to refund the betting stake.

If there are concrete facts that give rise to the suspicion that a betting contract is based on a manipulated betting event, Merkur Bets has the right to withhold the payment of winnings until the suspicion has been clarified, but for no longer than 12 months.

If there are concrete facts that give rise to the suspicion that

• the customer is indirectly or directly involved in the manipulation, or,
• the customer was aware of the manipulation when concluding the betting contract, or
• the customer is in any other adequate connection with such a manipulated betting event

Merkur Bets shall furthermore have the right to refuse repayment of the betting stake until the suspicion has been clarified, but for no longer than 12 months.

If Merkur Bets refuses to pay out the betting winnings due to the existence of concrete facts which give rise to the suspicion that a betting contract is based on a manipulated betting event, the betting stake shall be refunded to the customer upon request, provided that there is no suspicion that

• the betting customer is indirectly or directly involved in the manipulation, or,
• the betting customer was aware of the manipulation when concluding the betting contract, or
• the betting customer is otherwise adequately connected with such a manipulated betting event.

Upon repayment, the betting contract shall be deemed terminated; in this case, the betting customer shall have no further claims.

In the event of suspicion of betting fraud or manipulation of games, Merkur Bets shall be entitled to pass on the data processed with regard to the customer to authorities, sports associations or other third parties involved in clarifying the suspicion or investigating the manipulation.

Payment of betting winnings shall be made only up to the amount of the winnings limit set by Merkur Bets. The exceeding declaration of the betting customer with a higher possibility of winning is not effective. In this case, bet payouts will be reduced accordingly. This also applies if Merkur Bets has not pointed out a possible exceeding of the winnings limit when the bet was placed. Merkur Bets shall under no circumstances be liable to the customer for any winnings theoretically lost due to such reductions.

The winnings limit applies not only to each individual bet placed, but also to several bets on the occurrence of the same event or the same result of a betting event, whereby it is irrelevant whether the latter were combined with other bets or not.

Merkur Bets is entitled to set winning limits for individual betting customers. In the absence of an agreement on a lower win limit, a win limit of max. € 500,000.00 per betting slip, customer and week shall be deemed agreed. A lower winnings limit is agreed in particular if the customer is shown a lower maximum winnings than € 500,000.00 and the customer accepts the betting offer with the lower maximum winnings shown. The lower maximum winnings agreed in this way shall be documented in the electronic betting slip.

Placing bets is generally free of any fees whatsoever for the customer. The stake selected by the customer is applied in full to the bet.

In the event of a winning bet, a 5% fee is charged on the gross winnings. This fee is automatically deducted from the gross winnings and withheld when the betting slip is settled. The net winnings (gross winnings minus the 5% fee) are paid out to the customer.

If a bet is invalid, settled at odds of 1.00, or loses, no fee is charged.

A bet is only validly placed if the customer account has sufficient funds. If the credit balance on the customer account is only sufficient for part of the betting stake and the bet is placed, the bet is placed with a betting stake in the amount of the deposit on the customer account.

The betting stake is to be placed in EURO (€) and is paid by debiting the customer"s account.

Betting winnings are credited to the customer"s account. The booking of the winnings to the customer"s account does not constitute an acknowledgement.

The amount of the winnings (and thus the crediting to the customer"s account) is determined by multiplying the stake by the odds agreed upon in the event of the occurrence of the correctly tipped event or result, less the 5% fee specified in Section 15. The winnings thus include a share of the stake placed.

The profit or loss of a bet depends on the occurrence of the tipped event or result. The bookmaker uses the odds to express his assessment of the occurrence of the bet event or result, and thus the prospect he assumes of a possible win or loss of the bet. The percentage of winnings paid out from the stake (payout ratio) is usually in the range of 92 to 96% for single bets. For combination bets, the usual payout percentage, starting from the payout percentage for a single bet (q), decreases according to the number of combinations (payout bet two-combination: q², three-combination q³ etc.).

Example:

Single bet q = 9/10 = 90 %

Two-way combination (9/10)² = 81/100 = 81 %

Three-way combination (9/10)³ = 729/1000 = 72.9 % etc.

Merkur Bets provides the so-called "cashout option" ("buyback") on a case-by-case basis and without any claim by the customer in this regard. If and as long as this is the case, the customer may, before the result of the bet has been determined, submit an offer to Merkur Bets for early settlement of the bet at a certain amount. In order to successfully exercise the "cashout option", the customer"s request must be accepted by Merkur Bets. In particular, if the odds change or the betting option should be suspended, the customer"s "cashout" offer may not be accepted by Merkur Bets. If the customer"s "cashout" offer is accepted by Merkur Bets, this will be displayed and the bet will be settled immediately. In this case, the customer will receive the agreed "cashout" amount, but will no longer have any claims from the betting contract in question beyond this. Furthermore, the following applies:

• Bets settled with a cashout option do not count towards the fulfillment of bonus conditions.
• For bets placed as a free bet, a "cashout" is excluded.
• Merkur Bets shall not be liable in any way whatsoever if the "cashout option" is not available for technical or other reasons. In such cases, bets will be settled according to the actual final result.

To participate in betting the customer must register and open a customer account with Merkur Bets. Registration is conditional upon the complete completion of the registration form available on the website/app. All payments, stakes, winnings and payouts shall be recorded separately in the customer account. In the course of registration, an identity check of the customer is carried out. Customers can only be of full age and natural persons.

The customer must provide at least the following data truthfully during registration:

• name(s)
• date of birth
• place of birth
• citizenship
• current residence
• valid email address.

By registering, the customer declares that he/she is not a minor and has reached the legal age to place bets. Furthermore, the customer declares to place bets only in his own name and on his own account and that the payment account used is held in his own name. The customer is obliged to provide true, correct, current and complete information. When registering, the customer must present a valid official photo ID (identity card, passport or comparable document) to prove his identity and age, as well as a current proof of address, which is not older than 6 months, to prove his place of residence or has to undergo electronic identity procedures to confirm the accuracy and authenticity of the information provided.

The registration may only be carried out by the customer himself in his own name and on his own account.

Merkur Bets reserves the right to refuse the registration of a customer or the opening of a customer account without giving reasons.

The customer is obliged to keep the data provided to Merkur Bets up to date. In particular, any change of name, citizenship, current place of residence, bank details, as well as the e-mail address and the optionally given telephone number must be reported to Merkur Bets without delay. The customer is obliged to confirm the correctness of his data upon Merkur Bets" request.

In case of suspicion of false information by the customer or other irregularities, Merkur Bets is entitled to block the customer account and to temporarily withhold any betting winnings and other credit balances on the customer account. If the suspicion is confirmed, the customer shall lose any claim to winnings and payouts. However, if the bookmaker becomes aware that the customer is a minor, the minor will be placed to the state in which the minor was prior to betting, including returning any monies wagered and confiscating all winnings, if any.

In the registration process, Merkur Bets carries out a KYC procedure ("Know your customer") to verify the correctness and validity of the transmitted customer data. Merkur Bets is entitled to entrust third parties with the verification of the customer data.

Merkur Bets may offer the customer the opportunity to participate in bets even before complete verification of the customer"s identity, but is not obliged to do so.

In any case, the verification of the customer data must be completed once the Euro two thousand (€2,000) deposit threshold is reached. The Euro two thousand (€2,000) threshold is to be calculated only on the basis of deposits made by the customer.

If the full identification cannot be completed, Merkur Bets may block the customer account. However, the customer account can be unblocked by Merkur Bets after completion of the identification.

Persons who are listed under UN/EU or national sanctions, may not register and open a customer account.

Persons who are politically exposed persons (PeP), related to such a person or have a close business relationship with such a person are obliged to inform Merkur Bets of this.

Only one customer account may exist for each person. The use of more than one customer account per person, so-called "multi-accounting" (management of multiple accounts) is not permitted. By registering the betting customer account, the customer declares that no customer account exists for him/her yet.

If there is a suspicion that a customer has several customer accounts or has registered more than once, Merkur Bets has the right to block each of these customer accounts, to cancel any bonuses or resulting winnings. In addition, Merkur Bets is entitled to refuse the payment of credit balances.

Even after opening the customer account, Merkur Bets is entitled to require the customer to submit additional proof of identity or age at any time (e.g. notarized copy of passport). When verifying the identity of a customer, Merkur Bets is also entitled to additionally request the submission of proof of address (e.g. gas, water or electricity bill, rental agreement, bank certificate, bank account statement, credit card statement, proof of insurance), information about the profession, wealth, deposits and a "1-cent" bank transfer to verify the customer"s payment account.

The customer is not allowed to book credit to his customer account for any other purpose than participation in bets. Payments to Merkur Bets may only originate from funds that do not have their origin in unauthorized activities. Merkur Bets is entitled at any time to demand information and evidence from the customer regarding the origin of the financial means used by him (e.g. bank statements, proof of bank accounts, proof of profession, proof of income).

Until the requested evidence is provided, the customer account may be blocked. In the event of such a block, betting winnings or credit balances on the customer account may be withheld.

The customer must keep the access data to his customer account carefully and may not disclose or pass them on to any other person. The customer is responsible for the safekeeping and secrecy of his access data. Should the access data become known to other persons, the customer is obligated to change them immediately so that access to the customer account is not possible for other persons.

Bets placed via the customer account are deemed to have been placed for the customer who created the customer account.

The customer shall be liable to Merkur Bets for damages incurred by Merkur Bets due to misuse of the customer account by a third party for which the customer is responsible.

Payments to a customer"s account can be made using payment methods listed in the "Payments" section on this website. Once the customer has logged in with the personal username and password, he/she can make a deposit by pressing the "Payment" button and fully completing the steps for the depositing process shown below. The CUSTOMER can also make the payment by payment methods listed e.g. per E-wallet or credit card accepted in the respective case. Merkur Bets draws the customer"s attention to the fact that not all credit cards are accepted. The data of the customer who is the holder of the customer account and the holder of the account from which the payment originates must match.

A betting participation is possible for the customer only from the time when the credit balance is attributed to the betting account.

Merkur Bets reserves the right to no longer accept individual payment methods without prior notice and/or to limit the depositing of credit amounts via individual payment methods.

The minimum amount for deposits is € 10.00 per transaction. Merkur Bets is entitled to set a maximum amount for deposits.

Merkur Bets is entitled at any time with immediate effect to block the customer from future participation in betting and/or to close the account without giving reasons.

Merkur Bets is also entitled to close the customer account immediately if the customer account is not used for a betting transaction for more than one year.

The customer may close or block his betting account at any time. In this case, the customer can activate the blocking function in the betting account or send an e-mail to support@merkurbets.com. Customer service will close the account in the latter case. The customer will be notified of the closing of the betting account.

If a customer wishes to have his/her credit balance paid out from an inactive, closed, blocked or locked account, the customer must inform Merkur Bets in writing (support@merkurbets.com).

Disputes must be lodged within seven (7) days from the date the bet in question has been decided. No claims will be honored after this period. The client is solely responsible for their account transactions.

Merkur Bets is entitled to correct obvious errors based on mistakes in the generation of the customer account statements.

Credit balances on the customer"s account can be used for betting purposes or paid out at the customer"s explicit request. Merkur Bets is entitled to make payouts only after appropriate identification and verification of the customer and the payment account. The customer is also not entitled to request Merkur Bets to pay out a credit balance if the customer"s identity has not yet been verified. However, the customer may only request a payout if there are no legal obstacles in the way of such payout and the customer has provided all evidence requested by Merkur Bets for the fulfillment of obligations under money laundering law (in particular regarding the origin of funds).

Payouts from a betting account can only be made if the amounts on the account have been used at least once to participate in betting. Thus, only betting winnings of the customer are paid out.

If the customer wishes to withdraw funds from his customer account, he must click on the "Withdrawal" button in his customer account and then carry out the following steps for the withdrawal process. Payouts will only be made to a verified payment account in the name of the customer, which the customer has registered with Merkur Bets. The customer may request withdrawal of his/her balance only to the payment account from which the deposit was made.

For the purpose of verification of the withdrawal claim, Merkur Bets reserves the right to withhold the withdrawal for up to 45 days.

The leading currency in Merkur Bets" software is EURO. The customer account is kept in EURO, but the customer"s account balance can also be displayed in another currency.

Deposits and withdrawals to and from the customer account can only be made in EURO. A possible exchange rate risk is carried by the customer.

The customer is not entitled to interest on credit balances on the customer account.

The customer data that is collected, used and stored for the contractual relationship with Merkur Bets are personal data and are processed in accordance with the Data Protection Act, with the EU-GDPR (European Union General Data Protection Regulation) and all other statutory data protection provisions applicable in the EU.

For detailed information regarding the processing of personal data, please refer to the respective valid privacy policy.

The Privacy Policy explains the processing of personal data by Merkur Bets Malta Ltd., Level 3, St Julians Business Centre, Triq Elija Zammit, St. Julians STJ 3155, Malta,

Email: support@merkurbets.com

Data Protection Officer email: privacy@merkurbets.com

The customer acknowledges that participation in betting can be addictive and- among other negative effects- can lead to psychological and family problems as well as financial difficulties. Possible reasons for this are, above all, the increased participation in betting, the diverse selection of betting and staking options, and the assumption that that the correct outcome can be predicted with certainty. Signs of betting addiction are, among others, increasingly frequent participation in betting, difficulties in stopping betting activity, increasingly higher stakes, betting a high proportion of income, and incurring debts to satisfy the betting urge. In some cases, the feeling of compulsion to continue betting cannot be suppressed.

Merkur Bets offers the customer various options that support responsible betting. The customer can explicitly have himself excluded or set specific limits on the website/app under "Limits & Locks". These includes:

• the setting of deposit limits
• the setting of limits for stakes and losses
• the limitation of the usage time
• (self-)blocking for a limited period of time
• permanent (self-) blocking or closing of the betting account

The customer can find more information about responsible gaming or the possibility of consultations about betting addiction and its development as well as financial difficulties connected with betting addiction under the menu item "Responsible Gaming".

Merkur Bets reserves the right to set limits for the customer or to exclude the customer from participation in betting.

Merkur Bets will not send any promotional materials to customers who have blocked themselves.

In case of a complaint, the CUSTOMER may contact the Customer Service Department by email at support@merkurbets.com with detailed information about the nature of the complaint. Merkur Bets Customer Service staff will provide the CUSTOMER with a solution to the problem within 2 days, or with information on when the problem will be solved, to the e-mail address through which the complaint was sent.

If the CUSTOMER believes that the problem has not been resolved, the problem can be reported to the Maltese Alternative Dispute Resolution Entity (MADRE) at https://madre-online.eu/file-a-claim/.

Madre is an independent alternative dispute resolution entity. The dispute resolution process at Madre is free of charge for the customer regardless of the outcome. The procedure before Madre does not limit or affect the customer"s right to file a lawsuit before a competent court.

The Online Dispute Resolution and Consumer Affairs (ODR) platform: ec.europa.eu/consumers/odr/ allows the CUSTOMER to submit, process and respond to complaints online. ODR offers an exchange specifically for disputes where the company and the customer are located in different countries.

If the customer believes that any aspect of the provision of the gaming service deemed unlawful or conducted in a manner which is unsafe, unfair or non-transparent, a complaint can be reported to the Authority"s player support portal https://www.mga.org.mt/player-hub/lodge-a-complaint/.

Within the scope of so-called bonus and discount promotions, the customer account may be attributed so-called "bonus money" as betting credit in addition to the amount actually paid in. The customer may also be granted a so-called "freebet".

By participating in such a bonus and discount promotion, the customer accepts the terms and conditions of participation of the respective promotion communicated separately on the website/app. Bonuses are offered for a limited period of time. A legal claim of the customer to receive and/or pay out a bonus does not exist in any case; even if the customer fulfills the bonus conditions. The bonus conditions can be changed by Merkur Bets at any time.

In the event of indications of fraudulent activities in connection with the granting of the bonus or of unauthorized multiple use of the bonus or other bypassing of the bonus conditions and restrictions under which a bonus is granted, Merkur Bets shall be entitled to deactivate the bonus and to eliminate the bonus from the customer"s account and any profit made with it, as well as to withhold the amounts in question.

In the absence of any other provision in the Terms and Conditions of Participation, the following shall apply in substance:

• Bonus and discount campaigns can only be claimed once.
• Bonus and discount promotions are directed exclusively to the specified recipient.
• Bonuses and discounts are not transferable to other persons.

Bonuses and discounts cannot be converted into cash or into cashable credit.

Merkur Bets shall only be liable for damages arising in connection with the contractual relationship (including its termination) in the event of intent and gross negligence.

Merkur Bets" liability is limited to the amount of the stakes paid by the customer less any winnings already distributed.

1. The customer is prohibited from using artificial intelligence, bots or software that automates processes in connection with placing a bet or otherwise using the Merkur Bets offer. Furthermore, it is prohibited to decompile the software of the Merkur Bets website or app or to develop or use software or scripts that impair the website/app, the software and servers connected to the website/app and their communication or jeopardise or circumvent their intended functionality.

   If the customer uses artificial intelligence or bots in connection with the conclusion of a betting contract or uses other software or scripts in connection with the conclusion of a betting contract that directly or indirectly impair the website/app or the associated software and servers or jeopardise or circumvent their intended functionality, Merkur Bets is neither obliged to credit or pay out the betting winnings to the customer nor to refund the betting stake.

2. Bets placed by betting or betting syndicates or those associated with betting or betting syndicates are not permitted. It is also not permitted to place bets through representatives or to place arbitrage bets in order to exploit bonus advantages ("matched betting").

   If there are concrete facts that give rise to the suspicion that such bets have been placed, Merkur Bets has the right to withhold the payment of winnings until the suspicion has been clarified, but for no longer than 12 months. If the suspicion is confirmed, Merkur Bets is neither obliged to credit or pay out the winnings to the customer nor to refund the betting stake.

All information, statistics and editorial texts published on the website, in betting programs, in promotional materials, social media channels or newsletters serve as additional information. Merkur Bets assumes no liability for the accuracy of this information. The information cannot be considered as advice or recommendations and is provided for information purposes only. Customers must not rely on the relevant information when placing bets. Bets are placed at the customer"s own discretion and risk. It is the customer"s responsibility to know the relevant circumstances of an event.

In the event of any discrepancy between the English version of the GTC and any other language version of the GTC, the English version shall prevail.

The contractual relationship between the parties shall be governed by Maltese law, excluding conflict of law provisions. The formation of a contract shall also be governed by Maltese law. This provision shall not affect any applicable mandatory provisions that serve to protect consumers.

Any disputes arising from contracts between Merkur Bets and the customer shall be subject to the exclusive jurisdiction of the Maltese courts, unless the law specifically provides for a different venue.