1. General

1.1 Smart Gaming Group is a company registered in England and Wales with a company number of 584 9825, and whose registered offices are situated at 14-16 Regent Street, London, SW1Y 4PH . All reference in these terms to “we” and “us” are references to the Smart Gaming Group

1.2 All references in these Terms to our “service” is a reference to the Smart Live Bingo Service.

1.3 These Terms govern the relationship between you and us and incorporate the terms upon which you place bets using our service. Please read these Terms carefully and ensure that you fully understand them before agreeing to be bound by them.

1.4 We may: (1) revise these Terms and Customer Agreement and (2) change the service at any time. Any such revision or change will be effective immediately on its posting on the Website, or by notification to you via email or by post and you agree to check for revisions and changes on each occasion you use the service and/or show. Use by you of the service at any time following such posting or notification shall constitute your acceptance of such revisions or changes.

1.5 Any calls between you and Smart Live Bingo (or Smart Live Bingo and you) may be recorded for monitoring and regulatory purposes.

2. The Games

2.1 By playing our games you agree to be bound by these Terms and Conditions.

2.2 Bingo is offered under the terms of our UK Bookmakers license.

2.3 To play on our Bingo product, you must first register a new account and make a deposit using one of the available methods.

2a RNG Games

2.1 Our RNG Games suite, including skill games, is also offered under our UK license and is run where appropriate as fixed odds betting games. Bets will only be accepted on the Games Suite via the website.

2.1.1 Bets will be considered as having been placed when they are confirmed by our game server.

2.1.2 Once a bet has been confirmed by our game server it cannot be cancelled.

2.1.3 If a player loses connection with the site and has already purchased bingo cards which have been confirmed by the server, the game will be still played by our server as if the player was connected. The game cards will still be valid, and any due payments will be credited automatically to a player’s account. If however, the player is still in the room they can press ‘F5’ and the screen will be refreshed for them and they will be able to continue viewing their game cards.

2.1.4 For Multi Stage Games, which involve decision making/actions by the customer, decisions will be deemed to have been made when they are acknowledged by our game server. In the case of disputes the log of our game server will be deemed the final arbiter of whether an action has been taken by the customer, and if so what action was taken.

2.1.5 The Smart Gaming Group will not be responsible for any loss of connection to a game resulting from an issue at the customers end, or issues involving third parties equipment and/or software.

2.1.6 Should a problem with the Smart Gaming Group’s equipment or network result in a customer being unable to continue playing a multi-stage game after it has started, then the Smart Gaming Group will either endeavour to facilitate the resumption of the game at an appropriate stage, or arrange a refund of the game’s initial stake as appropriate.

2b RNG Bingo

2.1 Smart Live Bingo is powered by Parlay Entertainment Inc, 2305 Wyecroft Road, Second Floor, Oakville, Ontario, L6L 6R2.

2.1.1 Players must be over 18, and must live in a country where online gambling is legal. No bets will be accepted from players who do not meet the preceding criteria, and any instances where an ineligible player makes a bet we will void all bets, refund all deposits and withhold any winnings for that player.

2.1.2 Employees of the company operating the Bingo product, Parlay Entertainment Inc. (the "Company"), its licensees, distributors, wholesalers, subsidiaries or other agencies, retailers and members of the immediate families of each are not eligible to participate in the Bingo product.

2.1.3 The Bingo product is offered under our UK remote gaming license issued.

2.1.4 The rules pertaining to the bingo are in addition not as an alternate to Smart Live Casino’s Terms and Conditions.

2.1.5 Bets can only be made on the Bingo product via the website, we will accept no phone bets for this product.

2.1.6 Bets will be considered as having been placed when they are confirmed by the game server.

3. Registration

3.1 In order to use our Service, users are required to complete the User Registration process. By completing the process you will authorise us to maintain an account registered in your name (“Smart Live Bingo Account”). On confirmation of your registration by us, you will become a registered user of Smart Live Bingo (“Registered User”).

3.2 Among other details, you will be asked to choose a suitable Username and Password when performing the User Registration process. You must keep your Password confidential, as all entries made using your Password will be treated as valid and as having been made by you..

3.3 You are not permitted to become a Registered User or to use our Service if you are under 18 years of age or acting on behalf of a person under 18 years of age.

3.4 When registering you must provide us with a Username that will be displayed on screen both when you bet, and when you enter the chat room. Your username must not be considered obscene or offensive. Once the player name is confirmed it cannot be changed. However, we reserve the right to disable your account and notify you via email to change your player name if we deem it unfit for broadcasting purposes.

3.5 When registering you must provide us with a valid phone number from which you can place any Live Roulette bets. Only one player may be registered in relation to any one phone number or account. You must ensure that other parties do not gain unauthorised access to your telephone, if they do so they will be able to place Live Roulette bets using the credit on your account. Any bets placed from your nominated telephone will be treated as if they have been placed by you. You will be eligible to receive any winnings and also liable for any losses. You may not withhold your caller ID from your registered phone number if you wish to participate in our games. In the event that we discover an invalid phone number registered to an account, then that account will be immediately closed by our Fraud Team.

3.6 Please note that it is your responsibility to comply with your own national laws applicable to the use of our Service.

3.7 We reserve the right at our own absolute discretion, to:

3.7.1 Refuse to accept you as a registered user. And

3.7.2 Suspend and/or terminate your registration as a registered user and shall not be obliged to provide you with reasons for doing so.

3.8 By registering, you also verify you do NOT already have a Smart Live Bingo account, as you may only hold one account per player and a maximum of 2 accounts per household. Duplicate registrations are NOT permitted. In the event that we have reason to suspect that a person has made duplicate registrations, all registrations by that person will be cancelled, and all bonuses and winnings on the duplicate account will be voided.

Please note: When you register for a Smart Live Bingo Account, a Smart Live Casino Account will automatically be opened for you. All your details will be the same for both sites, and you will not have to go through a second registration process.

4. Player Commitment

4.1 Under-age gambling is an offence and you must be 18 years old or over in order to register and play in the bingo. Any transactions with persons under the age of 18 years will be void.

4.2 Players from Sweden will not be allowed to play on the RNG casino under any circumstances. No players will be accepted under any circumstances that are resident in the United States. No bets will be accepted from players who do not meet the preceding criteria, and any instances where an ineligible player makes a bet we will void all bets, refund all deposits and withhold any winnings for that player.

4.3 You are responsible for making sure that you are not registering and/or playing our games in any jurisdiction in which gambling is unlawful.

4.4 We may ask for proof of age and evidence to verify your identity and place of residence at any time. We may use any lawful and reasonable channels and methods available to us to carry out checks of any details provided to us. If, after registration, We become aware that you are under 18 years of age, We shall close your account with immediate effect, and return to you all deposits made.

4.5 We reserve the right to refuse your registration for a betting account, based on any checks we run on your user details.

4.6 You promise that all details in the registration form submitted by you to us are accurate and true. If the details you provide are not accurate and true, we may refuse your registration or suspend or terminate your account and you could be subject to criminal or civil prosecution. The service is not available to employees, agents (including advertising agencies and promotional companies), successors and assignees of the Smart Gaming Group, their families, household members or their agents, licensors or contractors.

4.7 You will only use the service for your own personal and private entertainment and not for any commercial or business purpose, including bookmaking.

4.8 You promise that the source of funds used by you for betting on our bingo product is legal.

5. Your Smart Live Bingo Account

5.1 When registering for a real money account you must make a minimum deposit of £10.00. The maximum single first deposit is £100.00. If you are registering for the free £5.00 trial, separate rules apply – please see specific promotion for details.

5.2 As part of our Know Your Customer (KYC) Policy we may ask players who have deposited for photographic identification, proof of residence and a copy of the front and back of your card obscuring all digits (except the first and last four digits) prior to any withdrawal being released.

5.3 Credit card deposits are limited to a maximum of £10,000 in any calendar month. There is no limit on deposits made by debit card, bank transfers or postal orders.

5.4 You can make a deposit using a debit or credit card including Visa, Visa Delta (Debit), MasterCard, Switch, Maestro Visa Electron and Solo. We do not accept American Express. Please note that the card must be in your name (the registered player name). If using a Switch, Maestro, Visa Electron or Solo Card then you will be required to verify your age within 72 hours of opening the account. Failure to satisfy us that you are over 18 will see the account suspended (including any deposited funds) until we are satisfied. If you make a deposit using a MasterCard, then you will be required to provide proof of ID as laid out in section 5.2.

5.5 The Minimum deposit for our bingo games is £10.00. The maximum in any one deposit is £100.00. You can make up to 10 deposits in any 24hr period, meaning that the maximum daily deposit is £1,000.00. Players must have deposited £30.00 and wagered £100.00 in the lifetime of their account to enable them to complete withdrawals.

5.6 Smart Live Bingo reserves the right to authorise or delay your deposit at any point following your transaction. Although the funds will appear immediately in your Smart Live Bingo account, in some instances, they may only be transferred from your bank at a later date. Smart Live Bingo is not responsible for any delays regarding the actual deposit date for any subsequent charges levied by your bank.

5.7 You may withdraw your money at any time. Money withdrawn will always be returned to the source of the funds where possible. If this is not possible, then a cheque will be written out in the name of the account holder ONLY and sent to the registered address. You can request a bank transfer if you are already a verified customer of Smart Live. Anyone requiring a cheque payment will need to be verified and have provided Smart Live Bingo with KYC information as detailed in section 5.2.

5.8 The Minimum you can withdraw against your Bingo Account is £30.00. The Maximum amount withdrawable in one request is £1,000. Any requests submitted for lower than £30.00, or over £1,000 will automatically be rejected. For withdrawals over £1000.00 please contact the office via email to Support@smartlivebingo.com.

5.9 You are not able to transfer funds from one wallet to the next until you have met the wagering requirements. Should you make a transfer or a withdrawal before the requirements are met any unqualified bonus will be forfeited and will not be re-instated to your account.

5.10 We use URU's (part of the GB Group) authentication service to authenticate all users requesting withdrawals. It is Industry Standard, and offers a robust solution for age verification and identity verification of UK citizens, providing customers with peace of mind.

5.11 If you close your Smart Live Bingo account, you will be entitled to the return of the current available Cash balance, which will be forwarded to you in accordance with the terms for the withdrawal of funds specified in Clause 5.5.

5.12 You may change your address or phone number but such changes will be subject to review and you will need to provide supporting evidence.

5.13 Your bonus is redeemed by playing Bingo, Slots or Blackjack and you must wager through your account x5 OR lose 95%. Upon redemption your bonus is only playable on the bingo interface.

6. Purchasing Bingo Cards

6.1 To purchase bingo cards you must have sufficient credit in your account. If you do not have sufficient credit to cover your bet then your purchase will not be made.

6.2 Your bet will not be accepted unless the game is in the required state to accept your bet.

6.3 Players may pre-buy cards if the function is enabled in a particular bingo hall. Your account must have sufficient funds to cover the transaction; if there is a lack of funds for the total advanced purchase, you will not buy any tickets for that particular game. No money is deducted from your account until the game is about to begin.

6.4 Unless otherwise stated by the nature of a game, the minimum card stake is £0.01. By placing this, or any, bet you fully accept that the random number generator software (RNG), will determine the outcome of the Bingo games. Our RNG software is of the highest standard, and is regularly checked to ensure that it is both reliable and accurate

7. Disclaimer and Limitation of Liabilities

7.1 Smart Live Bingo accepts no responsibility, and shall not be liable for any consequences that are alleged to have occurred through your misuse of our service.

7.2 Smart Live Bingo shall not be held liable for any consequences that are alleged to have occurred through your use of our service where the circumstances that caused such consequences were beyond our control.

7.3 The Smart Live Bingo service is provided without any express warranties or guarantees unless specifically stated, and, to the extent permitted by any applicable law, without any implied warranties or guarantees.

7.4 Smart Live Bingo accepts no liability for bets made resulting from the disclosure of your personal 4 digit PIN number, your 6 digit security number and/or your password to any other person, whether such disclosure is made negligently or otherwise. You must keep your Smart Live Bingo security codes confidential, as all bets made using the provided security PIN number, security number and/or your password will be treated as valid and as having been made by you.

7.5 Notwithstanding any of the other clauses in these terms and conditions Smart Live Bingo in its absolute discretion reserves the right to make persons, their households, their entry phone numbers ineligible to make further entries to Smart Live Bingo Games and to close their accounts where applicable.

7.6 In the event of any dispute regarding the Games, the decision of Smart Live Bingo shall be binding and no further correspondence or discussion shall be entered into.

7.7 Employees of Smart Live Bingo, their families and anyone connected with Smart Live Bingo or the Competition, or those ineligible to enter under other clauses in these terms, may not place bets on the Smart Live Bingo Service and are not entitled to gain financially from the placing of bets.

7.8 Smart Live Bingo may disqualify your winnings if it has reasonable grounds to suspect that you may be in breach of these terms and conditions and/or your participation in the games may be fraudulent or otherwise unlawful.

7.9 Smart Live Bingo is not liable for any technical failure in relation to the Internet site or any other technical infrastructure that results in your bet not being placed. In such circumstances your stake will be returned and no win or loss will be considered. Also in the event that your bet is placed but there is failure in relation to the game outcome, or a technical failure that prevents us from declaring a game outcome, or there is an invalid game outcome, then there are 2 possible options:

• i) We will carry forward your bet until a valid game outcome can be declared, or

• ii) we will return your stake to you. No winnings or losses will be accrued unless there is a valid game outcome.

7.10 The user should check their Account balance each time they access any of our Games. In the event of any errors, it is the Player’s responsibility to notify Smart Live Bingo at the earliest possible opportunity. Similarly, if Smart Live Bingo becomes aware of any errors on your account then we will take the appropriate steps to rectify this error. This includes, but is not limited to, overpayments, underpayments, errors due to manual input or any other technical issue.

8. Governing Law and Disputes

8.1 These Terms and Conditions shall be governed by and conveyed in accordance with the laws of England and Wales, unless you live in Scotland, in which case it will be governed by Scottish law, and subject to the jurisdiction of the courts of England and Wales (or Scotland).

8.2 If you have any complaints about the service, please contact our Bingo Customer Services Team by post to: Smart Gaming Group, 14-16 Regent Street, London, SW1Y 4PH. If, at any time, during the complaints process you are unhappy with how your complaint is being dealt with, you can make a complaint to the Gambling Commission and they will investigate the matter in accordance with their own regulations(www.gamblingcommission.gov.uk).

9. Copyright and Trademark

9.1 All of the material on our Service, including the text, graphics, photographs, pictures, sounds, data, images, audio and video clips (“the Material”) are the exclusive property of the Smart Gaming Group and/or the companies or individuals who supply us with the Material. The Material, including compilation, selection, presentation, and arrangement thereof, is protected by national laws and international agreements on copyright, moral rights and other intellectual property rights. You may only use the material for your personal information, and reproduce extracts of the material for strictly personal purposes, without prejudice to the copyright in works featured in the material. Any other form of use (including in particular, reproduction, translation, alteration, modification, distribution, transmission, re-publication, display, broadcast or public representation of the material) is strictly forbidden.

9.2 The Smart Live Bingo name and logo, and any other graphics, logos and trademarks used on our Service are protected by the laws and international agreements on intellectual property. Our trademarks must not be used in association with the products or services of a third party or in a manner which could, either directly or indirectly defame or discredit us or a third party. All other trademarks and trade names appearing on our service (including names of products belonging to third parties) remain entirely the intellectual property of their respective owners.

10. Privacy Policy

10.1 We are committed to protecting your privacy. As required by the UK Data Protection Acts 1984 and 1998 we follow strict procedures in the storage and disclosure of the personal information you give us in your User Registration Form in order to prevent unauthorised access.

10.2 In order to become a registered user and use our service you must complete our user registration process, and so provide us with certain personal information about your yourself such as name, address, date of birth, telephone number, credit card number, credit card registered address, expiry date, start date and issue number.

10.3 We will use the information about you for the following purposes:

10.3.1 The provision of our services to you , to administer our records, to ensure that the service which we offer you continues to be the most appropriate service for your needs, to respond to any query that you may raise with us and to update our systems.

10.3.2 Marketing and promotions. We will from time to time keep you informed about the services and products which we offer, and send you promotional material.

10.4 We may provide aggregate statistics about our service, customers, traffic patterns, and related service information to reputable third parties, but these statistics would not contain personally identifying information.

10.5 We will not hold information about you which is excessive in respect of the purposes for which it is held

10.6 By becoming a registered user of our service you consent to the use of your personal information for the purposes and in the manner set out in the “Personal Information” section of the Security and Privacy page.

10.7 We reserve the right to pass on User information to the relevant authorities as we deem appropriate if we become aware or suspect that you are involved in any illegal activities. For legal reasons, We are not obliged to inform you of the same, nor to give any reasons for doing so.

11. Chat Rules

11.1 When using the chat function on the Bingo site you are implicitly agreeing to strictly abide by our chat rules. Only players who have deposited into their bingo account and played bingo or slots within the previous seven days may qualify for chat room points, cash or prizes. Our Smart Live Host’s decision to block any player from participating in the Chat Room is final. You can view our full Chat Room Rules and guidelines in the Community section of the website.

11.2 In order to participate in Chat Games, players must be playing the minimum required amount of 2 cards per game, unless stipulated differently by the chat game rules.

11.3 You must not impersonate, harass, slander, or abuse any other person in chat. You may not use vulgar language, nor make racial, sexual or ethnic comments of any kind whatsoever.

11.4 No person under the age of 18 is entitled to enter the chat room. Should persons under the age of 18 be active on your account we reserve the right to terminate your account with immediate effect and without notice.

11.5 You must respect the Smart Live Host’s authority and their decision will be deemed as final.

11.6 Players are not allowed to participate in chat games in more than one room at any given time.

11.7 You must not solicit any other players with requests for money, whether for yourself, or for companies, websites or charitable causes.

11.8 Smart Live Bingo bears no liability to players for any activity occurring in the Chat Room which may cause any player to suffer loss, damage or distress of any kind.

11.9 We reserve the right to publish players’ usernames, winnings and chat messages across any media platform at our discretion.

11.10 We reserve the right to suspend, restrict or terminate your access to the Service at any time without notice at our discretion where you are or we suspect that you may be in breach of these Terms. We reserve the right to edit or delete any and all chat messages which we consider to be in breach of these Terms.

12. Promotions

12.1 In the event that you do not use funds credited to your Smart Live Bingo with the framework of a promotion, for a period of at least 3 months from the date on which such funds are credited, we reserve the right to reclaim said funds

12.2 In the event that a customer self excludes, suspends or disables their account before the promotion period ends or the prize is awarded, then they are not able to receive any prizes or bonuses they may have ordinarily been entitled to. The bonus or prize will then be awarded to the next qualifying player automatically.

12.3 The Smart Gaming Group Management reserves the right to terminate, withdraw or end any promotions with immediate effect and without prior notice at any time and at its own discretion.

12.4 Smart Live bonus funds are only playable on the bingo interface.

13. General Information

13.1 Smart Live Bingo is fully regulated and licensed in the United Kingdom in accordance with the UK Gambling Commission under licence number 000-002715-R-103240-002.

13.2 For assistance please send a ticket through our Help Desk or contact Support@smartlivebingo.com. We will try to ensure that we respond to your enquiry within a 24hr period.

13.3 Players may request restrictions or betting limits to be placed upon their accounts. To do this, players must contact a Player Support Representative via the methods detailed in 13.2 and request the restrictions. The Support Team will then action the request, and investigate the player’s account behaviour. Please note that any investigation leading to the discovery of a gambling problem will result in the account being disabled. All necessary help and support will be offered by Smart Live under out Responsible Gaming charter.

13.4 By accepting these Terms & Conditions, you hereby accept the terms of our Customer Agreement.