General

1-1

Twinkle Casino also offers products from additional suppliers that are not licensed or regulated by the Malta Gaming Authority or the UK Gambling Commission. These additional products are offered by Plain Support S.A and Twinkle Casino from outside of Malta. Regardless of product, all deposits and withdrawals are made with Twinkle Casino and Plain Support only acts as software provider and has no responsibility towards the players for the management of funds.

1-2

This agreement establishes the Terms and Conditions which constitute a binding contractual relationship between Twinkle Casino and the registering player, hereinafter referred to as ‘User’. Upon registration for an account, the user must confirm the agreement with the Terms and Conditions and such Terms and Conditions shall remain in force for as long as the registered account remains active.

1-3

These Terms and Conditions are applicable to the Twinkle Casino (hereinafter referred to as ‘Casino’) games provided through the website www.twinklecasino.com

1-4

The Terms and Conditions are categorised for ease of reference and understanding. It is important that the User acquaints themselves with these Terms and Conditions prior to registering for an account.

1-5

Twinkle Casino reserves the right to modify these T&C and to amend this agreement between the User and Twinkle Casino at any time. Twinkle Casino will notify players of any modifications to these T&C’s the next time the player logs in to their account. The player must accept the revised T&C’s to continue playing at Twinkle Casino. If the player does not accept the modified T&C’s they may close the account and withdraw any available balance. The continued use of the website shall be deemed to be an acceptance of the effected changes. It is the User’s sole responsibility to review this Agreement, together with the specific Rules for each Game the User chooses to participate in, in order to remain updated with all amendments each time the User plays. The User can easily identify whether these T&C have changed by referring to the Version number and the date of the current T&C stated on this page. Without prejudice to the foregoing, the company shall however pre-notify the User prior to a substantial amendment being made to the terms and conditions and in any such case the User shall receive a summary of any change carried out.

1-6

Twinkle Casino will respect User’s privacy in line with Twinkle Casino’s privacy policy.

1-7

Upon registration, User authorises Twinkle Casino, including all its employees and partners, to use personal data relating to the User in pursuance of the existing relationship, and also authorises any third party connected with the provision of games and related services to receive such data.

1-8

Twinkle Casino will not disclose User’s personal information to third parties unless such disclosure:

・is required for the processing of User’s requests;

・is a duty and /or legal obligation of the company;

・is required to enforce/apply the Terms and Conditions and other agreements;

・is required to adequately protect Twinkle Casino’s rights or property, including via the exchange of information with other companies and organisations for the purposes of information verification, fraud protection and credit risk reduction. Personal information may also be disclosed to a credit reference agency, which may keep a record of the information.

・User hereby consents to all abovementioned disclosures.

1-9

This document is published in a number of languages for information purposes and ease of access. It is only the English version that is the legal basis of the relationship between User and Twinkle Casino and in case of any discrepancy between a non-English version and the English version of this document, the English version shall prevail.

1-10

Twinkle Casino shall not be responsible for any consequences resulting from major incidents such as any strike, terrorist activities, political crisis, war, natural catastrophe and saturation of the telecommunication networks, which could lead to a total or partial access reduction to its services through the web.

1-11

Twinkle Casino will at all times make every effort to provide a service of satisfactory quality, fitness for purpose and completeness. If for any reason the player becomes dissatisfied with any of the services provided by Twinkle Casino or for the accuracy of the Service or the Software the player may contact Twinkle Casino immediately and notify of us of the issue as per section 5 of these T&C’s. The Player is always entitled to close the account at any time and withdraw available funds on account.

1-12

Twinkle Casino cannot guarantee that the service will never suffer from faults; however we commit ourselves in rectifying the problem as soon as it has been reported or as soon as we possibly can. If User experience a fault in the service provided, please report to Twinkle Casino immediately.

1-13

Twinkle Casino reserves the right to temporally suspend the entire or part of the service at its own discretion and without obligation of giving prior notice to the Users. Twinkle Casino will not be liable for any loss the User may incur as a result of such suspension or delay in service. Nonetheless, Twinkle Casino endeavours to pre-notify suspensions and restoring the service as soon as reasonably possible.

1-14

Any significant win made on the Casino may be advertised anywhere on any website operated by Twinkle Casino.

1-15

Twinkle Casino reserves the right to use any winner’s username, first name, first initial of surname, and country to advertise the event.

1-16

You must not disguise, anonymise or hide your IP while accessing Twinkle Casino.

Account

2.1

The opening of an account requires the registration by the User personally. User must be of legal age (18 years). Should any underage account owner be discovered at any point during the lifetime of the account, the account will immediately be closed indefinitely and all funds deposited will be returned to the minor less winnings paid out. Users who are resident of Malaysia, China, Hong Kong, Turkey, Russian Federation or the U.S are not allowed to open an account.

2.2

User must submit the correct information during registration and should correctly state full name, address, date of birth, a valid e-mail address, telephone number, and relevant payment information; all of which must be true and correct. It is your sole responsibility to ensure that the information you provide is true, complete, correct and kept up to date. You are hereby notified that we carry out verification procedures and that your Member Account may be blocked for access or closed and any funds therein withheld, if you are found to supply false or misleading information.

2.3

Twinkle Casino carry out verification procedures and reserves the right to close User’s account if false particulars were provided during registration and, if such breach becomes evident at any point, this will entitle Twinkle Casino to take steps as we deem appropriate including, without limitation, seizing the funds in your account.

2.4

To verify the veracity of the particulars provided, Twinkle Casino shall be entitled to make use of any legal resources providing identity verification service and carry out telephone verification or other such verification as required.

2.5

Twinkle Casino reserves the right, at its sole discretion and at any time to request documents to verify the following (i) the identity of the registered account holder, such as, but not limited to, National Identity Card, Passport or Driving Licence; (ii) residence such as, but not limited to, bank statement, utility bill (iii) the ownership/authorisation of the account holder to use a payment method; (iv) any facts and information provided to Twinkle Casino by the account holder. We may request that you provide any of these documents certified to attest their credibility. Any such requests may be made whenever Twinkle Casino deems necessary. Furthermore, Twinkle Casino reserve the right to refuse acceptance of any such document, including but not limited to any documents indicating falsehood or inaccuracy. Twinkle Casino reserve the right to suspend any account pending any investigations and verifications.

2.6

Any account opened with Twinkle Casino adheres to the Privacy Policy, which can be accessed on the following link privacy policy.

2.7 User agrees to abide by these “Terms and Conditions” at all times, and:

・not to be acting in the interests of any third party;

・not to utilise monies obtained from ill-gotten means;

・not to credit accounts with any payment method User is not authorised to use;

・not to try to hack the Twinkle Casino Website or to alter its code in any way;

・not to adopt any criminal behaviour against Twinkle Casino, its affiliates, and its Users.

2.8

In the event that User breaches one or more of the rules as mentioned in 2.7 above, Twinkle Casino reserves the right to close User’s account and withhold funds until a full investigation has been carried out. Any liabilities due may be withheld from the players’ available balance.

2.9

Twinkle Casino will accept no liability whatsoever from third parties resulting from the provision of incorrect information by the User.

2.10

Users may only hold one account with Twinkle Casino. Registered Users shall be prohibited from registering for new accounts using an e-mail address or name different from the one previously registered with Twinkle Casino. Users having two or more accounts are obliged to inform Twinkle Casino without delay. Twinkle Casino reserves the right to close any or all User’s account(s) if the latter opens multiple accounts. Should Twinkle Casino have grounds to believe that one or more accounts have been opened with the intention to defraud the company, Twinkle Casino reserves the right to cancel any transaction/s related to such attempted/fraudulent conduct, confiscate any remaining balance/s and suspend any or all accounts.

2.11

Twinkle Casino accepts stakes made in a number of different currencies. User must choose one currency as the default currency of the Your Account. Any payments received by Twinkle Casino in a currency other than the one chosen by User will be converted into the currency chosen at the prevailing exchange rate. Please note that any exchange premiums are to be borne by User. No interest is paid on any funds, irrespective of the amount held in User’s account. Accordingly User should not in any way treat Twinkle Casino as a financial institution.

2.12

Twinkle Casino may, at its own discretion refuse to open an account without having to provide any justification or close an existing account honouring any contractual obligations already made unless otherwise specified in the Terms and Conditions.

2.13

User must keep login details, account identifier and password secret at all times. Twinkle Casino will not be held liable for the user's shortcomings to safeguard the above.

2.14

Twinkle Casino reserves the right to examine and confirm User’s identity.

2.15

If no transaction (inactive/dormant) has been recorded on User’s account for thirty months, Twinkle Casino shall close User’s account and, should the account contain a real money balance, shall remit the balance of the account to the User, or if the User cannot be satisfactorily located, to the Malta Gaming Authority (“MGA”). Provided that no claim shall lie against Twinkle Casino once the balance in a User’s account is remitted to the MGA.

If, after 12 months since last login, Twinkle Casino is unable to contact User, Twinkle Casino will charge a $5.00 per month administrative fee on the User’s account and shall use reasonable efforts to contact User.

2.16

User may contact support to recover any funds in User’s account.

2.17

User may contact Twinkle Casino support on [email protected] requesting the termination of the account.

2.18

It is the User’s responsibility to determine the legal status of internet gambling in User’s jurisdiction and act accordingly. The availability of the Twinkle Casino Website in any particular jurisdiction does not constitute an offer or invitation by Twinkle Casino to use the services offered by the Twinkle Casino Website. Twinkle Casino will accept no liability whatsoever with respect to actions by players where internet gambling is illegal and/or which is in violation of this article of the Terms and Conditions.

2.19

User’s Username must not infringe Twinkle Casino’s trademark, company names or be abusive or offensive to other players.

2-20

Selling / transferring and/or acquiring of accounts to / from other Users is prohibited.

2-21

If Twinkle Casino mistakenly credits the User’s Member Account with winnings that do not belong to the User, whether due to a technical or human error or otherwise, the amount will remain property of Twinkle Casino and the amount will be transferred from the User’s Member Account. If prior to Twinkle Casino becoming aware of the error the User has withdrawn the funds that do not belong to the user, without prejudice to other remedies and actions that may be available at law, the mistakenly paid amount will constitute a debt owed by the User to Twinkle Casino. In the event of an incorrect crediting, the User is obliged to notify Twinkle Casino immediately by email.

2-22

Users that hold an account that has been blocked or Self-excluded are not permitted to register a new account.

Deposits, Transfers & Withdrawals

3-1

In accordance to regulatory and AML ? Anti Money Laundering requirements, you shall only use debit or credit cards and other financial instruments that are valid and lawfully belong to you. In the event Twinkle Casino identifies that the name on the financial instrument is not the same as the gaming account, Twinkle Casino will reserve the right to void the winnings arising from such deposit.

3-2

No interest is payable on account balances and no credit is permitted. It is your responsibility to maintain sufficient funds in your account, and to stake your funds accordingly. 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.

3-3

As required by our anti-money laundering obligations we reserve the right to raise queries regarding the source of any funds placed on deposit. Twinkle Casino may, acting reasonably, suspend or terminate any Account where the response to such query/queries is not in its view satisfactory and/or may pass on such information as it deems necessary to any relevant authority.

3-4

Twinkle Casino Gaming reserves the right to carry out KYC checks on all first time depositors.

3-5

It is illegal for the User to deposit money obtained from ill-gotten means.

3-6

Deposits or withdrawal requests amounting to $2,000 or above are subject to enhanced ‘Know Your Client’ procedures. Funds deposited must be utilised for the placing of bets or for the stake on games at Twinkle Casino. Any suspicious activity on User’s account could lead to User being reported to the relevant authorities, freezing of the funds and even the closure of the account.

3-7

Bonus funds may be credited to User’s account as part of a promotion, loyalty or other marketing campaign. These funds cannot be directly withdrawn/paid-out, but must be used for the placing of bets. Depending on the promotion, these credits may be convertible to real money funds after fulfilling a specific set of Terms and Conditions associated with the promotion. A deposit must have been made into the account before any withdrawal can be processed. Specific Bonus & Promotional terms may apply.

3-8

In case User wishes to cancel a bonus and withdraw money before meeting the wagering requirements, it is important that the User does not gamble the bonus received. User is required to contact Twinkle Casino’s customer services in order to remove the bonus and approve the withdrawal.

3-9

User may also refuse any Bonus thereby allowing theirself to withdraw winnings at any time. User must, upon receiving a Bonus, contact Twinkle Casino’s customer services in order to refuse the bonus and have this removed from User’s account.

3-10

User may also refuse any Bonus thereby allowing theirself to withdraw winnings at any time. User must, upon receiving a Bonus, contact Twinkle Casino’s customer services in order to refuse the bonus and have this removed from User’s account.

3-11

User can request a withdrawal of the deposited amount and any associated cash winnings without meeting the wagering requirement. Should user choose to do this, bonus funds would be returned to Twinkle Casino. For example: User deposits $20 and Twinkle Casino offer you $20 as a deposit bonus. There is then $40 in user’s account. If before meeting the wagering requirements (which usually is 40 times the bonus amount) user wishes to withdraw the deposited amount ￡20, Twinkle Casino will then retract the bonus before the withdrawal can be approved. If User has already gambled and lost part of the total balance on the account, user can only request a withdrawal of the remaining cash amount and associated cash winnings after the bonus sum has been returned to Twinkle Casino. Cash funds are used first when wagering, bonus funds are used once the cash balance is empty or insufficient. When placing bets from the bonus balance the bonus wagering requirements must be met before withdrawal; forfeiting the bonus at this stage will result in the removal of the bonus amount and bonus winnings . Twinkle Casino reserves the right to refuse or void any bonus offered to any user for reasons including but not restricted to, abuse by the User. (Despite a deposit been associated with a bonus, customer is required to wager the deposit amount at least once. If you choose not to do this, you are required to follow T&C 3.19)

3-12

Any form of fraudulent activity will cause your account to be locked, whereby Twinkle Casino will immediately void any winnings and bonuses, and deal with the account and its credits in line with regulations and guidelines of the regulatory body.

3-13

"Demo Play" does not qualify for any bonus offer.

3-14

Before any withdrawals are processed, your play will be reviewed for any irregular playing patterns. In the interest of fair gaming, Twinkle Casino has a zero tolerance policy on bonus abuse, irregular play and fraudulent activity. Twinkle Casino reserves the right to block bonuses from any User who Twinkle Casino deems to be abusing our promotions. If fraudulent activity or abuse is suspected, Twinkle Casino reserves the right to remove bonuses and associated winnings from the account and any associated accounts.

The determination of what constitutes irregular play or bonus abuse shall include, but not be limited to, the following examples:

・Using more than one account

・Bonus stacking

・Two tier betting

・Covering multiple outcomes whilst wagering a bonus in order to reduce or remove risk

・Utilization of bonus funds to abuse progression slot games mechanics

・Multiple account strategy / proxy account strategy

・Using a VPN or masking IP address

・Affiliate CPA or revenue share abuse

・A pattern of betting using bonus money in which a significant proportion of single bets are more than $6.25 in slots, scratch cards and/or video bingo, or more than $25 in table games

・A pattern of betting for cashback in which a significant proportion of single bets are more than $6.25 in slots, scratch cards and/or video bingo, or more than $25 in table games

・A pattern of betting with bonus funds where an in-game feature continuously has been used in a significant proportion of individual bets in order to increase the total bet amount over the maximum allowed bet amount for that game type.

3-15

Players residing in Sweden, Finland, Norway and the United Kingdom are not able to claim a bonus or promotion when executing a deposit using Neteller, Skrill.

3-16

Funds cannot be transferred from User’s account to the account of another User or vice versa.

3-17

User can at any time log in to User’s account and view a statement of the account which would show all transactions affected, namely deposits, bonus credits, winnings, bets and withdrawals. Should User notice any mistakes user should immediately notify Twinkle Casino via written or electronic notice so that the mistake can be rectified.

3-18

At any time, User can decide to withdraw part or all of the funds from User’s account. The first withdrawal can be requested after three (3) days of registration of the account.

3-19

In order to withdraw any amount of money from a player account, the full amount of the deposit must be wagered at least once. Twinkle Casino reserve the right to impose a 30% processing fee if any circumstance, authorised by them warrants a withdrawal before the full amount is wagered.

3-20

Twinkle Casino reserves the right to take time necessary for the purpose of:

・verifying User’s identity;

・verifying User’s gaming activity;

・conducting security and other internal procedures in relation to User’s account; and

・ensuring that the rules that are approved relating to the award of the prizes to Users have been complied with.

3-21

It is a precondition for the processing of withdrawals, which cumulatively exceed $2,000 that User provides Twinkle Casino with a copy of User’s valid passport or official identity card (confirming identity and age) and a utility bill (confirming place of residence). In the case of deposits via credit and debit cards, User may be requested to submit a copy of the front and back of the used credit card showing only the first six and last four digits on the front, and hiding the CVV2 number from the back.

3-22

Twinkle Casino additionally reserves to right to request the documents discussed in 3.21 above for any account holder who has requested a withdrawal of any amount below $2,000.

3-23

Withdrawals to credit / debit card are possible to Visa or Visa electron. Unfortunately MasterCard does not currently facilitate this functionality.

3-24

In line with the applicable laws, Twinkle Casino will remit amounts only to the same account from where the funds paid into User’s account originated.

3-25

Credit / debit card payout requests are only be processed to the card(s) that have been used to deposit. Should User have more than one registered credit/ debit card, the payout will be processed to the credit/ debit card from which User deposited the most within the last 6 months, assuming payouts to this card are possible, e.g. in the case of MasterCard, to which payouts are not possible.

3-26

The minimum payout amount is $10. Twinkle Casino reserves the right to restrict payouts to $5,000 per week. Upon requesting a withdrawal of winnings exceeding $100,000, Twinkle Casino reserves the right to payout the requested amount incrementally over 10 consecutive months, with one payout each calendar month. Twinkle Casino further reserves the right to impose fees on withdrawals. Further external banking processing fees may apply from time to time. For further information please see here.

3-27

Credit/ debit card transactions usually take between 3 to 5 working days.

3-28

The full credit/ debit card information is never stored by Twinkle Casino and always transmitted in an encrypted way for User’s security.

3-29

Twinkle Casino reserves the right to modify the credit card/ debit limits and/or refuse to process any withdrawals/ deposits.

3-30

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 at our absolute discretion if:

・we suspect that you are acting other than on your own behalf or otherwise in concert with others or engaging in illegal or fraudulent activity;

・we suspect that you are breaching any of these Terms and Conditions;

・we suspect that you are acting in a manner that is detrimental to the conduct of our business;

・we are unable to verify registered address or contact telephone number

3-31

Deposits to and withdrawals from a Twinkle Casino Account shall at all times be made through a Financial Institution or a Payment Solution Provider. Procedures, terms and conditions, availability, fee’s and duration for deposits/withdrawals may vary depending on time as well as the country and Financial Institution and internal Risk assessments. For further information please see here.

Anti-money laundering

4-1

Twinkle Casino complies with the Prevention of Money Laundering Act of Great Britain and relevant legislation.

4-2

Twinkle Casino checks all transactions to prevent money laundering.

4-3

If User become aware of any suspicious activity relating to any of the Games User must report this to Twinkle Casino immediately.

4-4

Suspicious transactions will be reported to the relevant Authorities.

4-5

Twinkle Casino may suspend, block or close User’s account and withhold funds if so required by the Anti-Money Laundering Act or relevant legislation.

4-6

Twinkle Casino prohibits Users collusion.

4-7

Twinkle Casino prohibits and takes measures to prohibit use of devices, such as robots, that distort normal game play.

4-8

If User breaches conditions 4.6 and 4.7, User will be subject to the cancellation of bets and amendment of the balance on User’s account.

Complaints

5-1

If User has a complaint, User can email customer support on [email protected]

5-2

Twinkle Casino will apply the best of efforts to resolve a reported matter promptly.

5-3

If Users have a query with regard to any transaction, Users may also contact Twinkle Casino at [email protected] with details of the query. Twinkle Casino will review any queried or disputed transactions.

5-4

If you have any complaints in relation to our Services or Games you should raise such complaint promptly, (and in any event within one month after the incident taking place). Complaints should first be raised with our Customer Services team.

Self-Exclusion

6-1

You may at your discretion choose to set limits on your account or exclude yourself from our Website.

6-2

You can close your account at any time, within the Limits section of your account or by requesting it via our Customer Support Team using [email protected]; closure via Support would be implemented within 24 business hours at most and you would receive a confirmation via e-mail. You remain responsible for any activity on your account between the time of your request and the closure of the account by our services.

All funds must be withdrawn before self-excluding.

Applying a closure would not affect any pending withdrawal, unless verification documents are requested in line with our Know Your Customer process.It is not possible for us to override or remove any Time-Out or Self-Exclusion period once set. Bonuses may expire during the suspension of your account; we cannot reinstate any expired bonuses once the account is reopened.

6-3

You may at your discretion choose to set limits on your account or exclude yourself from playing any Games on our Website. You may: Deposits; set a limit on the amount you may deposit within a specified period of time. Session: set a limit for an active session in order to better manage the time you spend gambling. Losses: set a limit for how much can be lost in the account of deposited funds (i.e. winnings subtracted from the amount spent) for a given period. Exclude yourself from playing for a definite or indefinite period. Limits or exclusions set on your account are not extended to any other account you may hold with Twinkle Casino Gaming Ltd, it is your responsibility to apply limits/exclusions required across all your accounts.

6-4

You may temporarily take a break from our Website for a period of twenty four (24) hours minimum, directly from the Limits section of your account and under Close my Account.

On confirming the Time-Out, your account will be immediately suspended and it will not be possible to log in until the selected duration has expired.

Self-Exclusion:

You may temporarily exclude yourself from our Website for any period above 7 days, by contacting our Support Team using [email protected] Your account will be suspended within 24 business hours and removed from our Website's mailing list.

6-5

The account will remain suspended until at least the set timeframe has passed and until the regulatory Cooling Off period has been completed, in line with our reopening process.

You may withdraw your request to reopen your account at any time during the Cooling Off period.

6-6

Should you opt to self-exclude, we will take all reasonable step to prevent you from registering a new account on our site.

We shall not be liable for any losses you may suffer if you circumvent our self-exclusion procedures, to use products or services provided by Twinkle Casino or if you continue to gamble with any third party.

6-7

We will take all reasonable steps to ensure that self-excluded accounts do not receive any marketing material from us.

We strongly recommend that you contact any such parties and opt out from receiving any marketing material from them.

We also recommend you consider self-excluding from any other online gaming operators with which you have an account.

Specific Casino Rules of Play

7-1

Winnings and account balances in the “Play for Fun” mode have no commercial value whatsoever and are not redeemable for cash, credit or any other type of benefit.

7-2

Every User determines the value of their stakes, in accordance with the limits of each Casino game.

7-3

Twinkle Casino reserves the right to limit/refuse bets.

7-4

Twinkle Casino reserves the right to cancel any transaction/s, refunds, losses, terminate events / games if related to attempted / unlawful and/or fraudulent conduct.

7-5

Twinkle Casino’s Terms and Conditions apply to all Casino promotions and bonus offers, which may also have separate rules that are promotion-specific. In the event of a conflict between the promotion-specific rules and the Terms and Conditions stipulated here, the promotion-specific rules will prevail.

Limitation of Liability

8-1

You enter the Website and participate in the Games at your own risk. The Websites and the Games are provided without any warranty whatsoever, whether express or implied.

8-2

Without prejudice to the generality of the preceding provision, we, our directors, employees, partners, service providers

・do not warrant that the software, Games and the Websites are fit for their purpose;

・do not warrant that the software, Games and the Websites are free from errors;

・do not warrant that the software, Games and the Websites will be accessible without interruptions;

・shall not be liable for any loss, costs, expenses or damages, whether direct, indirect, special, consequential, incidental or otherwise, arising in relation to your use of the Websites or your participation in the Games.

8-3

You understand and acknowledge that, if there is a malfunction in a Game or its interoperability, any bets made during such malfunctioning shall be void. Funds obtained from a malfunctioning Game shall be considered void, as well as any subsequent game rounds with said funds, regardless of what Games are played using such funds.

8-4

You hereby agree to fully indemnify and hold harmless us, our directors, employees, partners, and service providers for any cost, expense, loss, damages, claims and liabilities howsoever caused that may arise in relation to your use of the Website or participation in the Games.

8-5

To the extent permitted by law, our maximum liability arising out of or in connection with your use of the Websites, regardless of the cause of actions (whether in contract, tort, breach of warranty or otherwise), will not exceed to the return of the amount of the stake of any disputed wager.

Breaches, Penalties and Termination

9-1

If we suspect that you have breached these Terms and Conditions, we may refuse to open, suspend or close Your Account. We may also withhold any money in Your Account (including the deposits) to set off any money or damages due to us.

Severability

10-1

If any provision of these Terms and Conditions is held to be illegal or unenforceable, such provision shall be severed from these Terms and Conditions and all other provisions shall remain in force unaffected by such severance.

Assignment

11-1

We reserve the right to assign or otherwise lawfully transfer this agreement. You shall not assign or otherwise transfer this agreement.

Entire Agreement

12-1

These Terms and Conditions constitute the entire agreement between you and us with respect to the Websites and, save in the case of fraud, supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and us with respect to the Websites.