WagerTrust Terms of Service

To use our Services, you must:

• Be at least 21 years of age (or the legal gambling age in your jurisdiction, whichever is higher)
• Have the legal capacity to enter into binding contracts
• Not be located in a jurisdiction where our Services are prohibited by law
• Not be listed on any government or regulatory exclusion or prohibited persons list
• Not have been previously suspended or banned from using our Services
• Be authorized to represent and bind any gaming operator or business entity for which you are registering

Our Services are not available to individuals or entities located in, organized under the laws of, or ordinarily resident in:

• Jurisdictions where online gaming credit services are prohibited or restricted
• Countries subject to comprehensive economic sanctions by the United States, European Union, or United Nations
• Any jurisdiction where offering our Services would violate applicable law

You represent and warrant that you are not located in, under the control of, or a national or resident of any such prohibited jurisdiction.

Operators: Gaming operators must complete our operator registration process, which includes providing accurate business information and documentation, verifying gaming licenses and regulatory compliance, undergoing Know Your Customer (KYC) and Anti-Money Laundering (AML) verification, and executing our Operator Services Agreement.

Players: If you are a player using credit services facilitated through WagerTrust, your account may be created and managed by participating gaming operators in accordance with their terms of service.

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Using strong passwords and enabling two-factor authentication when available

We will not be liable for any loss or damage arising from your failure to protect your account credentials.

WagerTrust provides a credit infrastructure platform designed specifically for the regulated gaming industry. Our Services enable:

• Real-time credit decisioning for gaming transactions
• Cross-platform aggregation of player gambling activity
• Responsible gaming controls and voluntary limit enforcement
• Risk assessment using gaming-specific behavioral analytics
• Integration with gaming operators and credit providers

• API integration for credit transaction processing
• Real-time credit approval and decline decisions
• Cross-platform player activity monitoring
• Regulatory compliance tools and reporting
• Fraud detection and prevention services
• Responsible gaming intervention mechanisms

• Credit facilities for gaming transactions
• Voluntary credit limit setting and management
• Cross-platform spending visibility
• Self-exclusion and cooling-off period tools
• Responsible gaming support resources

We reserve the right to:

• Modify, suspend, or discontinue any aspect of our Services at any time
• Impose limits on certain features or restrict access to parts of our Services
• Update our technology, algorithms, and risk assessment models

We will provide reasonable notice of material changes that significantly impact your use of our Services, except where immediate action is required for security, legal, or regulatory reasons.

You agree to comply with all applicable laws, regulations, and industry standards, including:

• Gaming and gambling regulations in all relevant jurisdictions
• Financial services and payment processing regulations
• Data protection and privacy laws (GDPR, CCPA, etc.)
• Anti-money laundering (AML) and counter-terrorism financing (CTF) requirements
• Economic sanctions and export control laws
• Responsible gaming and consumer protection regulations

You may not use our Services to:

• Engage in any illegal, fraudulent, or deceptive activity
• Violate any applicable gaming or financial regulations
• Facilitate money laundering, terrorist financing, or other financial crimes
• Manipulate, interfere with, or circumvent our credit risk assessment systems
• Access accounts, data, or systems without authorization
• Transmit viruses, malware, or other harmful code
• Attempt to reverse engineer, decompile, or discover our proprietary algorithms
• Scrape, harvest, or collect user information without authorization
• Use our Services if you are located in a prohibited jurisdiction
• Create multiple accounts to evade credit limits or restrictions
• Share or transfer your account to another person or entity
• Engage in gambling if you are prohibited by law or self-excluded
• Misrepresent your identity, location, or eligibility

• Maintain valid gaming licenses in all operating jurisdictions
• Implement adequate responsible gaming measures
• Comply with all KYC and AML requirements
• Provide accurate and timely transaction data
• Protect player information in accordance with applicable privacy laws
• Cooperate with regulatory investigations and audits
• Maintain adequate financial resources and insurance coverage
• Immediately report security incidents or data breaches

If you are a player using credit services:

• You acknowledge that gambling involves financial risk and may lead to addiction
• You agree to gamble responsibly and within your financial means
• You will utilize voluntary limit tools and self-exclusion mechanisms as needed
• You understand that credit facilities are subject to approval and monitoring
• You will seek help if you develop gambling problems

• Credit decisions are made in real-time using proprietary risk assessment algorithms
• Credit approval is not guaranteed and may be declined based on risk factors
• Credit limits are determined based on multiple factors including financial capacity, gambling behavior, and responsible gaming indicators
• We reserve the right to adjust, suspend, or terminate credit facilities at any time

By using our Services, you acknowledge and agree that:

• We aggregate your gambling activity across all participating operators
• This information is used to assess credit risk and enforce responsible gaming controls
• Credit limits apply to your total exposure across the entire network
• Reaching limits on one operator may affect credit availability on other operators

For Operators:

• Fees for our Services are set forth in your Operator Services Agreement
• We may charge transaction fees, platform fees, or revenue-sharing arrangements
• Fees may be adjusted with reasonable notice as specified in your agreement

For Players:

• Players do not pay direct fees to WagerTrust
• Credit terms, interest rates, and fees are determined by the credit provider and disclosed through the gaming operator
• You are responsible for all applicable taxes on credit transactions

• Gaming operators are responsible for timely payment of all fees owed to WagerTrust
• Credit settlements between players and credit providers are governed by separate credit agreements
• We facilitate payment processing but are not a party to the underlying credit relationship

All content, features, and functionality of our Services, including:

• Software, algorithms, and technology
• Trademarks, logos, and branding
• Text, graphics, images, and design elements
• Data structures and databases
• Documentation and user interfaces

...are owned by WagerTrust or our licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our Services for their intended purpose
• Use our APIs and integration tools in accordance with our documentation
• Display our trademarks solely to indicate integration with our Services (operators only)

This license does not permit you to:

• Copy, modify, or create derivative works of our Services
• Distribute, sell, or sublicense our Services
• Remove or alter any copyright, trademark, or proprietary notices
• Use our intellectual property for any purpose not expressly authorized

Gaming operators retain ownership of data and content they submit to our Services, subject to the licenses granted in these Terms. By submitting content, you grant us a worldwide, royalty-free license to use, process, and analyze such content to provide and improve our Services.

If you provide feedback, suggestions, or ideas about our Services, you grant us an unrestricted, perpetual, irrevocable license to use such feedback without compensation or attribution.

Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our data practices as described in the Privacy Policy.

We process sensitive gambling behavior data to:

• Assess credit risk
• Prevent problem gambling
• Enforce responsible gaming controls
• Comply with regulatory requirements

You acknowledge that this processing is necessary for our Services and benefits player protection.

Our Services involve international data transfers. We implement appropriate safeguards for such transfers, including Standard Contractual Clauses and other mechanisms compliant with GDPR and other data protection regulations.

We implement industry-standard security measures to protect your information. However, no system is completely secure. You acknowledge that you provide information at your own risk.

We retain data in accordance with legal and regulatory requirements, typically for seven years for financial and transaction data. Retention periods are specified in our Privacy Policy.

Gaming operators using our Services remain responsible for:

• Obtaining and maintaining all required licenses
• Complying with all gaming regulations in operating jurisdictions
• Implementing responsible gaming measures
• Age verification and player eligibility checks
• Reporting to gaming regulators as required

All parties must comply with:

• Anti-Money Laundering (AML) laws and regulations
• Know Your Customer (KYC) requirements
• Sanctions and export control laws
• Payment services and electronic money regulations
• Consumer credit regulations where applicable

You agree to:

• Cooperate with regulatory investigations and audits
• Provide information and documentation as requested by regulators
• Allow regulators access to our platform for compliance purposes
• Notify us immediately of regulatory actions or investigations

We reserve the right to report suspicious activity to:

• Gaming regulators
• Financial intelligence units
• Law enforcement agencies
• Other relevant authorities

We may suspend or terminate accounts pending investigation without prior notice.

WagerTrust is committed to promoting responsible gaming and preventing problem gambling. Our Services include:

• Voluntary credit limit setting
• Self-exclusion mechanisms
• Cooling-off periods
• Behavioral pattern detection
• Intervention workflows
• Support resource referrals

Players using credit through our platform benefit from:

• Cross-platform spending visibility
• Network-level credit limits that prevent excessive borrowing
• Real-time intervention when risk patterns are detected
• Ability to set binding limits that cannot be increased immediately
• Access to gambling support resources

Players may request self-exclusion, which will:

• Immediately suspend all credit facilities
• Block access to credit across all participating operators
• Remain in effect for the requested period (minimum periods may apply)
• Require cooling-off periods before reinstatement

To request self-exclusion, contact us at support@wagertrustgaming.com or call (702) 355-3699.

Gaming operators must:

• Implement and enforce responsible gaming policies
• Display responsible gaming information prominently
• Provide access to self-exclusion and limit-setting tools
• Train staff on responsible gaming practices
• Identify and support at-risk players

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

• Our Services will be uninterrupted, secure, or error-free
• Defects will be corrected
• Our Services are free from viruses or harmful components
• Results obtained from our Services will be accurate or reliable

WE DO NOT GUARANTEE CREDIT APPROVAL OR SPECIFIC CREDIT TERMS. Credit decisions are made by credit providers based on multiple factors. We facilitate credit assessment but do not extend credit directly.

Our Services may integrate with third-party services (payment processors, data providers, gaming operators). We are not responsible for the availability, accuracy, or reliability of third-party services.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Gambling losses or credit defaults
• Reputational harm
• Service interruptions or delays
• Unauthorized access to accounts

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED:

• For operators: The fees paid to WagerTrust in the 12 months preceding the claim
• For players: $100 USD or the equivalent in your local currency

Some jurisdictions do not allow certain warranty exclusions or liability limitations. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

We are not liable for failure to perform due to circumstances beyond our reasonable control, including natural disasters, acts of terrorism, government actions, network failures, cyberattacks, pandemics, or labor disputes.

Gaming operators agree to indemnify, defend, and hold harmless WagerTrust, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms
• Your violation of applicable laws or regulations
• Your gaming operations or player relationships
• Disputes with players or regulatory actions
• Your negligence or willful misconduct
• Third-party claims related to your use of our Services

All users agree to indemnify WagerTrust from claims arising from:

• Your unauthorized or prohibited use of our Services
• Your violation of intellectual property rights
• Your submission of false or misleading information
• Your breach of these Terms

We reserve the right to assume exclusive defense and control of any matter subject to indemnification. You agree to cooperate with our defense and may not settle any claim without our written consent.

These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of the State of Nevada, United States, without regard to its conflict of law provisions.

Subject to the arbitration provisions below, you agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in Clark County, Nevada, and you consent to the personal jurisdiction of such courts.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Mandatory Arbitration: Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or our Services shall be resolved through binding arbitration rather than in court.

Arbitration Rules: Arbitration shall be conducted by JAMS (Judicial Arbitration and Mediation Services) under its Comprehensive Arbitration Rules and Procedures. The arbitration shall take place in Las Vegas, Nevada, or remotely via videoconference.

Exceptions: The following are not subject to arbitration:

• Small claims court actions (where jurisdictional limits are met)
• Injunctive or equitable relief to protect intellectual property rights
• Regulatory or governmental actions
• Self-regulatory organization proceedings

Class Action Waiver: YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION.

Opt-Out: You may opt out of this arbitration agreement by sending written notice within 30 days of first accepting these Terms to: legal@wagertrustgaming.com with subject line "Arbitration Opt-Out."

Before initiating arbitration or court proceedings, parties agree to first attempt to resolve disputes informally by contacting:

We will attempt to resolve disputes within 60 days of receiving notice.

Disputes involving gaming regulations may be subject to regulatory dispute resolution processes. Gaming operators remain subject to regulatory jurisdiction in their operating territories.

These Terms commence when you first access our Services and continue until terminated by either party.

You may terminate your account at any time by:

• Providing written notice to support@wagertrustgaming.com
• Following account closure procedures in your account settings
• Satisfying all outstanding obligations before closure

We may suspend or terminate your access immediately, without prior notice, if:

• You violate these Terms or applicable laws
• Your account is used for fraudulent or illegal activity
• Regulatory authorities require suspension or termination
• You fail to pay fees or charges owed
• You are located in a prohibited jurisdiction
• Continuing to provide Services would create legal or regulatory risk
• We cease operations or discontinue Services

Upon termination:

• Your right to access and use our Services immediately ceases
• Outstanding fees and obligations remain due and payable
• We may delete your account data after applicable retention periods
• Provisions of these Terms that by their nature should survive will survive, including intellectual property rights, disclaimers, limitations of liability, indemnification, and dispute resolution

Following termination, we will:

• Retain data as required by law or regulation (typically 7 years for financial data)
• Delete or anonymize data that is no longer required
• Provide data export capabilities where legally required

These Terms, together with our Privacy Policy and any applicable Operator Services Agreement, constitute the entire agreement between you and WagerTrust regarding our Services and supersede all prior agreements and understandings.

We may modify these Terms at any time. Material changes will be communicated via:

• Email notification to registered users
• Prominent notice on our Site
• In-app notifications

Your continued use of our Services after changes are posted constitutes acceptance. If you do not agree to modified Terms, you must discontinue use of our Services.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Waivers must be in writing and signed by authorized representatives.

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction, including in connection with mergers, acquisitions, or asset sales.

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and WagerTrust.

These Terms do not confer any third-party beneficiary rights except as expressly stated.

To You: We may provide notices via email to your registered email address or by posting on our Site. You are responsible for keeping your contact information current.

To Us: Notices to WagerTrust must be sent to:

Notices are effective upon receipt.

These Terms are provided in English. Translations may be provided for convenience, but the English version shall govern in case of conflict.

Our Services and technology may be subject to export control laws. You agree not to export, re-export, or transfer our Services in violation of applicable laws.

• National Council on Problem Gambling: 1-800-522-4700
• National Problem Gambling Helpline: www.ncpgambling.org

• GamCare: 0808 8020 133
• BeGambleAware: www.begambleaware.org

• Gambling Help Online: 1800 858 858
• www.gamblinghelponline.org.au

• Problem Gambling Help Line: 1-866-531-2600
• www.problemgambling.ca

• Gamblers Anonymous: www.gamblersanonymous.org