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1. General
1.1
This website, Vera&John, (the ’Website’) is operated by Dumarca Gaming Limited (’we’, ’us’ or ’Dumarca’), a company registered under the laws of Malta (registration number: C50898) whose registered office is at The Emporium, Level 4, St Louis Street, Msida, MSD1421, Malta.
1.2
Dumarca is authorised and regulated by:
a. Spelinspektionen, license no. 18Li7410, issued by the Swedish Gaming Authority and valid until December 31st, 2023,
b. the Gambling Commission of Great Britain, remote operating license number 039408 in respect of services offered to residents of the United Kingdom; and
c. the Malta Gaming Authority, under licence number MGA/B2C/169/2009, in respect of services offered to all other customers.
1.3
These terms and conditions (the ’Terms and Conditions’) govern access to, and use of, the Website, and constitute a legally binding contract between Dumarca and you as the registering player (’you’ or ’User’). By accessing and using the Website, you agree to be bound by these Terms and Conditions. These Terms and Conditions apply to all gaming with us via any device, including downloadable applications on a mobile device.
1.4
These Terms and Conditions are subcategorised for ease of reference and transparency. It is important that you review these Terms and Conditions carefully. If you do not agree to be bound by these Terms and Conditions, please do not use the Website.
1.5
These Terms and Conditions include and incorporate a number of additional terms, as follows:
• Any rules for a game you choose to participate in (’Rules’);
• Our promotional terms, which apply to specific promotions or offers from time to time (’Promotional Terms’); and
• Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you or that you provide to us.
1.6
In the event of a conflict between these Terms and Conditions and any of the Rules, the Promotional Terms and/or the Privacy Policy, the provisions of, as applicable, the Rules, the Promotional Terms and/or the Privacy Policy shall (to that extent only) prevail.
1.7
We may update these Terms and Conditions from time to time. Dumarca will notify you of any significant updates to these Terms and Conditions before they come into effect, whereby you will be required to accept the revised Terms and Conditions to continue playing on the Website the next time you log in to your account. If you do not agree to be bound by the updated Terms and Conditions, you should close your account and withdraw any available balance. We may make minor changes to these Terms and Conditions from time to time, and advise you to review these Terms and Conditions regularly, together with the specific Rules for each game you choose to play, in order to remain up to date with any changes. You can easily identify whether these Terms and Conditions have changed by referring to the version number and date of the current Terms and Conditions stated at the top of this page.
2. Account opening and verification checks
2.1
To open an account on the Website, the User must register personally. You must be of legal age (18 years of age or older if required in the jurisdiction where you live) to open and make use of an account with us. You must also be of mental capacity to take responsibility for your own actions and to enter into an enforceable contract with us. If we have reasonable grounds to believe that any account is being operated by anyone under the age of 18, the account will immediately be closed and all funds deposited will be returned (less any winnings already paid out).
2.2
It is your responsibility to determine the legal status of internet gambling in your jurisdiction and act accordingly. The availability of the Website in any particular jurisdiction does not constitute an offer or invitation by Dumarca to use the services offered by the Website. You must not mask, disguise, anonymise or hide your IP (i.e. by using a VPN) while accessing the Website. Dumarca accepts no liability whatsoever with respect to actions by players where internet gambling is illegal and/or which is in violation of this clause of the Terms and Conditions.
2.3
You must submit your correct personal information during registration, including your full name, home address, date of birth, e-mail address, telephone number, and relevant payment information. It is your sole responsibility to ensure that the information you provide is true, complete and correct, and is kept up-to-date. In order for us to comply with applicable laws and regulations, your personal details supplied at registration stage will be confirmed through verification checks before you are allowed to play. Until such time as any verification checks have been adequately concluded, you will not be allowed to play on our website. Once we have verified your identity, you will be notified and allowed to utilize our products.
2.4
By accepting these Terms and Conditions, you agree that we are entitled to carry out any identity, credit or other verification checks that we may reasonably require and/or are required of us under applicable laws and regulations or by regulatory authorities. We may supply the information you give us to authorised credit reference agencies, identity verification services and/or fraud prevention agencies to confirm your identity. We may also carry out telephone verification with you. Such information will be processed in accordance with our Privacy Policy.
2.5
You agree to provide us with any information we request to assist with our verification checks, and we reserve the right to request documents to verify the following: (i) your identity, such as a valid photographic ID (e.g. a copy of your Driving Licence, Passport, or National Identity Card); (ii) your residential address (for example, utility bill, or bank, building society or credit union statements dated within the last three months, tax bill or council tax bill issued during the current year); and (iii) proof of ownership/authorisation to use a certain payment method (for example, if you are using a payment card a photo of the front and back of the payment card would be required, if you are using a bank account we will request a bank statement or if you are using an e-wallet a screenshot of the account that corresponds to the payment method will be required). We may request that you provide any of these documents certified to attest their credibility. We may also use additional verification tools available to us in order to verify the authenticity of any documents you provide. Furthermore, if we have reasonable grounds to believe that any documents provided by you are not genuine or are inaccurate, we reserve the right to refuse such documents. Dumarca reserves the right to keep restricted any account until the relevant verification checks have been carried out to our reasonable satisfaction and to the standard required of us under applicable laws and regulations. Dumarca further reserves the right to close your account and return any remaining balance if verification checks have not been carried out to our reasonable satisfaction within 30 calendar days from our first request for documents.
When prompted, you can send these documents via our E-KYC Tool, the Account Verification Tool which is reachable by clicking the My Casino button and following the Account link. Else you can also do this by sending an email to kyc@verajohn.co.uk.
2.6
We will comply with applicable data protection laws in respect of the personal information you supply to us, and we will only use your personal information in accordance with our Privacy Policy.
2.7
Dumarca may, at its own discretion, refuse to open an account for any individual. The company reserves the right to close a player account, but contractual obligations already made will be honoured.
3. Use of your account
3.1
You agree to abide by these Terms and Conditions at all times and, in particular, not to:
• use the Website other than for your own personal use, and not to act in the interests of any third party;
• utilise monies obtained from criminal or fraudulent activities;
• credit accounts with any payment method you are not authorised to use, which includes the use of corporate cards or business accounts;
• try to hack the Website or to alter its code in any way; Bet365 app download apk.
• adopt any criminal behaviour against Dumarca, its affiliates, and its other users; and/or
• choose a username which infringes our trademarks or company names, or which is abusive or offensive towards our other users.
3.2
You may only hold one account with the Website. Users holding two or more accounts for any reason should inform us without delay. If we identify any User with more than one account, we will close any duplicate account(s) and return any withdrawable funds. If we have grounds to believe that one or more account(s) have been opened with the intention to mislead or defraud Dumarca, we may cancel any pending transaction(s) related to such conduct and close any or all of the account(s).
3.3
Dumarca accepts stakes in a number of different currencies. You must choose one currency as the default currency of your account.
3.4
User must keep their login details and password secret at all times. We will not be held liable for unauthorised access to your account if you do not safeguard this information. We are entitled to assume that all play on your account is from you.
3.5
You can at any time log in to your account and view your account history, including deposits, bonus credits, winnings, wagers and withdrawals. Should you notice any mistakes, you should immediately notify Dumarca so that it can be reviewed and rectified as necessary.
3.6
If no transaction has been recorded on your account for twelve (12) consecutive months, your account will be deemed ’inactive’. If, once your account is ’inactive’, Dumarca is unable to contact you after making reasonable attempts to do so, we will charge a £5.00 per month administrative fee to your account. Dumarca will have no obligation to return fees deducted in this way as they are no longer considered to be customer funds once they have been deducted. Fees on inactive accounts can bring your account balance to zero. The company shall also reserve the right to use the inactivity fees to fund responsible gambling endeavours.
Administrative fees shall only be refundable on presentation of proof of a health impediment during such inactive period.
3.7
You are not permitted to transfer, sell and/or acquire accounts to / from other Users. If we have reasonable grounds to believe such activity has occurred, we reserve the right to suspend and/or close the account in question.
4. Deposits & Withdrawals
4.1
In order to adhere to applicable laws and our regulatory requirements, you must only use debit or credit cards and other payment methods that are valid and that lawfully belong to you. We also prohibit any account funding from corporate cards or business accounts. In the event that we identify, or have reasonable grounds to believe, that a payment method does not belong to you, we will void any winnings arising from the relevant deposit(s) and we reserve the right to close your account.
In the case of deposits via credit and debit cards, you may be requested, in our reasonable discretion, to submit a copy of the front and back of the relevant credit card showing only the first six and last four digits on the front, and hiding the CVV2 number from the back.
4.2
We hold all customer funds separate from company funds in an accredited banking institution in line with gaming regulations, the bank has acknowledged that your funds are held solely for this purpose and:
a) it will not attempt to enforce or execute, any charge, write-off, set-off or other claim against the aforementioned account/s; and
b) it will not combine the account/s with any other account in respect of any debt owed to it by Dumarca.
We are required by the British Gambling Commission to inform our customers about how their funds are protected in the case of insolvency. Further information can be obtained from the British Gambling Commission’s webpage, which explains the rating system.
Customer funds are held in bank accounts and with payment processors which are kept separate from our business accounts. These funds are not protected in the event of insolvency, their official status under the UKGC’s requirements falls under the following level of protection: not protected segregation.
4.3
You should only deposit money into your account for the purposes of entering into a gambling transaction. In circumstances where we reasonably believe that you are depositing money without any intention to enter into a gambling transaction, we may investigate your account in accordance with these Terms and Conditions.
4.4
We reserve the right to decline a gambling transaction if your account is restricted in our reasonable discretion. All gambling transactions are entered into at your own discretion.
4.5
No interest is payable on account balances, irrespective of the amount held in your account. Accordingly, you should not in any way treat Dumarca as a financial institution.
4.6
No credit is permitted. It is your responsibility to maintain sufficient funds in your account, and to stake your funds accordingly. Gambling transactions will not be confirmed if there are insufficient funds in your account. We reserve the right to void any stake which may be inadvertently placed or accepted if your account does not have sufficient funds to cover the whole of the stake.
4.7
As a betting operator, licenced by the British Gambling Commission, we have an obligation to know that the source of the funds that our customers use to play with us is legitimate. Therefore, at times when certain limits and thresholds are reached it may become necessary for us to ask customers to provide evidence to confirm the source(s) of funds they use. Such documents may include copies of bank statements, pay slips and/or additional evidence of other source of funds, such as proof of the sale of a property or a will). If we request information on your source of funds via email or a secure upload function, you must provide a response and the information within 28 days.
4.8
If you do not provide the requested information within the period given, we will proceed to restrict your account until the information has been provided and verified by us. Dumarca may, acting reasonably, restrict or close any account where the response to such requests is not satisfactory. We may also pass on such information to any relevant authority if required to do so by applicable laws.
4.9
If Dumarca mistakenly credits your account with winnings that do not belong to you, whether due to a technical error, human error or otherwise, the incorrectly credited amount will remain the property of Dumarca. If, prior to us becoming aware of the error, you have withdrawn funds that do not belong to you, without prejudice to any other remedy and action that may be available to us by law, the mistakenly paid amount will constitute a debt owed by you to Dumarca. In the event of incorrect crediting, you should notify Dumarca immediately by email.
4.10
Bonus funds may be credited to your account as part of a promotion, loyalty scheme or other marketing campaign. These bonus funds cannot be directly withdrawn/paid-out, but must be used for the placing of wagers on the Website. Depending on the promotion, these bonus funds may be convertible to real money after fulfilling a specific set of criteria for the promotion. Please refer to specific Promotional Terms.
4.11
Funds cannot be transferred from your account to the account of another User or vice versa.
4.12
You may withdraw any withdrawable funds from your account at any time. ’Withdrawable funds’ means all unspent deposits and winnings from wagers made with your deposits, and excludes any funds that are subject to a restriction (including wagering restrictions or other promotional play restrictions). The right to withdraw these funds is subject to our regulatory obligations being fulfilled (including source of funds and verification checks).
4.13
Withdrawals to credit / debit card are possible to Visa or Visa electron. Unfortunately MasterCard does not currently provide this functionality.
4.14
In line with the applicable laws, Dumarca will remit amounts only to the same payment method from where the funds deposited into your account originated.
4.15
Credit / debit card withdrawals are processed to the card(s) that were originally used to deposit. Should a User have more than one registered credit/ debit card, the withdrawal will be processed to the primary credit/ debit card (i.e. the account from which you deposited the majority of funds within the last 6 months), assuming withdrawals to this card are possible (e.g. in the case of MasterCard, withdrawals are not possible).
4.16
Withdrawals to credit/ debit cards usually take between 3 to 5 working days.
4.17
The full credit/ debit card information is never stored by Dumarca and always transmitted in an encrypted way for your security.
4.18
Without restricting our ability to rely on other remedies that may be available to us, we may cancel any of your withdrawal requests or void any winnings if we suspect that you are:
• acting other than on your own behalf or otherwise in conjuction with others;
• engaging in illegal or fraudulent activity; or
• breaching any of these Terms and Conditions.
4.19
Deposits to and withdrawals from an account shall at all times be made through a Financial Institution

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