TERMS OF USE

1.1. KIRGO ("WE," "OUR," "US") IS OPERATED BY RAINING GAMES LLC, REGISTRATION NUMBER 4069, WITH REGISTERED OFFICE AT SUITE 35, GRIFFITH CORPORATE CENTRE, BEACHMONT, KINGSTOWN, ST. VINCENT AND THE GRENADINES.

1.2. WE ARE LICENSED AND REGULATED BY THE GOVERNMENT OF THE AUTONOMOUS ISLAND OF ANJOUAN, UNION OF COMOROS, UNDER LICENSE NO. ALSI-202409050-F12. RAINING GAMES LLC COMPLIES WITH ALL APPLICABLE GAMING LAWS AND IS LEGALLY AUTHORIZED TO OPERATE GAMES OF CHANCE AND WAGERING UNDER THE ANJOUAN LICENSE FRAMEWORK.

1.3. THESE TERMS OF USE, TOGETHER WITH OUR BONUS TERMS, PRIVACY POLICY, AND OTHER REFERENCED POLICIES, FORM THE COMPLETE AND BINDING LEGAL AGREEMENT BETWEEN YOU AND KIRGO.

1.4. IT'S YOUR RESPONSIBILITY TO REVIEW THESE TERMS PERIODICALLY. WE MAY UPDATE THEM AT ANY TIME TO COMPLY WITH LEGAL OR OPERATIONAL REQUIREMENTS, AND ANY CHANGES TAKE EFFECT IMMEDIATELY UPON BEING PUBLISHED ON THE WEBSITE.

1.5. THE ENGLISH VERSION OF THESE TERMS IS THE OFFICIAL VERSION. IF THERE ARE ANY DIFFERENCES BETWEEN THE ENGLISH TEXT AND ANY TRANSLATION, THE ENGLISH VERSION WILL ALWAYS PREVAIL.

2.1. TO PROTECT THE INTEGRITY OF OUR PLATFORM, WE RESERVE THE RIGHT TO REFUSE REGISTRATION, SUSPEND, OR CLOSE ANY ACCOUNT AT OUR DISCRETION.

2.2. YOU MUST BE AT LEAST 18 YEARS OLD OR THE LEGAL AGE FOR GAMING IN YOUR JURISDICTION, WHICHEVER IS GREATER. NO EXCEPTIONS. WE ARE LEGALLY REQUIRED TO ENFORCE THIS.

2.3. IF WE DETERMINE YOU WERE UNDER THE LEGAL AGE WHEN USING THE SERVICES OR ACTED ON BEHALF OF A MINOR:

• (A) WINNINGS WILL BE VOID AND CAN BE RECOVERED,
• (B) NON-WAGERED DEPOSITS MAY BE RETURNED (LESS FEES) AT OUR DISCRETION, AND
• (C) THE ACCOUNT WILL BE CLOSED. WE MAY REPORT SUSPECTED VIOLATIONS TO THE RELEVANT AUTHORITIES.

2.4. WE MAY REQUEST PROOF OF AGE AT ANY TIME TO VERIFY COMPLIANCE WITH OUR POLICIES. IF YOU FAIL TO PROVIDE SATISFACTORY PROOF, YOUR ACCOUNT WILL BE SUSPENDED.

2.5. YOU MAY NOT ACCESS OUR WEBSITE IF YOU LIVE IN A COUNTRY WHERE ACCESS TO ONLINE GAMBLING IS PROHIBITED FOR ITS RESIDENTS OR ANYONE WITHIN THAT COUNTRY.

2.6. IF YOU ARE A RESIDENT OF, OR ACCESSING THE WEBSITE FROM, ANY OF THE LISTED COUNTRIES OR TERRITORIES, YOU ARE NOT ALLOWED TO USE THE WEBSITE:

• AUSTRALIA, AUSTRIA, FRANCE AND ITS TERRITORIES, GERMANY, THE NETHERLANDS AND ITS TERRITORIES, SPAIN, THE UNION OF THE COMOROS, THE UNITED KINGDOM, THE UNITED STATES AND ITS TERRITORIES, AS WELL AS ALL FATF BLACKLISTED COUNTRIES AND ANY OTHER JURISDICTIONS CONSIDERED PROHIBITED BY THE ANJOUAN OFFSHORE FINANCIAL AUTHORITY.

2.7. USING A VPN, PROXY, OR ANY METHOD TO HIDE YOUR LOCATION AND BYPASS THESE RESTRICTIONS IS STRICTLY FORBIDDEN. DOING SO COULD LEAD TO THE PERMANENT CLOSURE OF YOUR ACCOUNT AND THE LOSS OF ALL FUNDS TIED TO IT.

3.1. TO USE OUR SERVICES, YOU MUST FIRST REGISTER A PLAYER ACCOUNT ("ACCOUNT", "KIRGO ACCOUNT").

3.2. YOU MUST PROVIDE ACCURATE AND COMPLETE INFORMATION DURING REGISTRATION, INCLUDING YOUR FULL NAME, DATE OF BIRTH, AND CONTACT DETAILS. YOU ARE RESPONSIBLE FOR KEEPING THIS INFORMATION UP TO DATE.

3.3. YOUR EMAIL ADDRESS MUST BE VALID AND ACCESSIBLE. THIS IS OUR PRIMARY WAY TO SEND YOU CRITICAL ACCOUNT NOTIFICATIONS, SUCH AS PASSWORD RESETS.

3.4. ONE ACCOUNT PER PERSON. THAT'S THE RULE.

• ONE ACCOUNT PER PERSON, HOUSEHOLD, IP ADDRESS, OR DEVICE.
• NO SHARING ACCOUNTS, EVEN WITH FAMILY MEMBERS.
• CREATING EXTRA ACCOUNTS IS CONSIDERED "DUPLICATE ACCOUNT" ABUSE.
• IT WON'T IMPROVE YOUR ODDS OR CHANGE YOUR LUCK, AND IT'S NOT PERMITTED.

3.5. IF WE IDENTIFY A DUPLICATE ACCOUNT, WE RESERVE THE RIGHT TO:

• VOID ALL BONUSES AND WINNINGS FROM THE DUPLICATE ACCOUNT.
• RECLAIM ANY WITHDRAWN FUNDS.
• PERMANENTLY CLOSE THE DUPLICATE ACCOUNT AND ANY LINKED ACCOUNTS.

3.6. IF YOU ACCIDENTALLY CREATED A SECOND ACCOUNT, CONTACT CUSTOMER SUPPORT IMMEDIATELY.

3.7. YOU ARE RESPONSIBLE FOR KEEPING YOUR LOGIN CREDENTIALS SECURE. ALL TRANSACTIONS MADE USING YOUR CREDENTIALS WILL BE CONSIDERED VALID.

3.8. KIRGO WILL NEVER ASK FOR YOUR PASSWORD.

4.1. ACCOUNT VERIFICATION (KYC) IS A MANDATORY SECURITY PROCESS.

• GOVERNMENT-ISSUED ID (PASSPORT, DRIVER'S LICENSE).
• PROOF OF ADDRESS (UTILITY BILL, BANK STATEMENT).
• PROOF OF PAYMENT METHOD.

4.2. WE MAY CONDUCT ADDITIONAL AML CHECKS AS REQUIRED.

4.3. FAILURE TO PROVIDE REQUESTED DOCUMENTS WITHIN 14 DAYS MAY RESULT IN SUSPENSION.

4.4. YOU HAVE 30 DAYS (OR THREE ATTEMPTS) TO COMPLETE VERIFICATION.

• YOUR ACCOUNT WILL BE CLOSED.
• ANY WINNINGS WILL BE FORFEITED.
• ANY REMAINING DEPOSITS WILL BE REFUNDED WHERE APPLICABLE.

4.5. VERIFICATION PROTECTS YOU AND MAINTAINS A SECURE PLATFORM.

5.1. YOU ARE RESPONSIBLE FOR ENSURING ALL PERSONAL INFORMATION IN YOUR KIRGO ACCOUNT PROFILE IS ACCURATE AND KEPT UP TO DATE. INACCURATE INFORMATION CAN LEAD TO TRANSACTION DELAYS OR OTHER RESTRICTIONS.

5.2. BY USING OUR SERVICES, YOU CONFIRM AND AGREE THAT:

• YOU ARE THE LEGAL OWNER OF THE FUNDS YOU DEPOSIT AND WITHDRAW.
• YOU WILL NOT USE ANY THIRD-PARTY OR PERSON TO FUND YOUR ACCOUNT.
• YOU UNDERSTAND AND ACCEPT THE FINANCIAL RISKS OF GAMING, INCLUDING THE POTENTIAL LOSS OF FUNDS.

5.3. A STRICT FAIR PLAY POLICY IS ENFORCED. YOU ARE PROHIBITED FROM ENGAGING IN ANY ACTIVITY THAT GIVES AN UNFAIR ADVANTAGE OR DISRUPTS THE KIRGO PLATFORM. THIS INCLUDES, BUT IS NOT LIMITED TO:

• USING BOTS, EXTERNAL SOFTWARE, OR ANY AUTOMATED TOOLS TO PLAY OR MANIPULATE GAMES.
• SHARING, SELLING, GROUP PLAY, OR TRANSFERRING YOUR KIRGO ACCOUNT TO ANOTHER PERSON.
• TRANSFERRING FUNDS DIRECTLY BETWEEN PLAYER ACCOUNTS.
• YOU HAVE NEVER HAD AN ACCOUNT CLOSED BY KIRGO FOR BREACHING ANY OF THESE TERMS.
• YOU WILL NOT ENGAGE IN FRAUDULENT, COLLUSIVE, OR UNLAWFUL ACTIVITIES AT KIRGO.

5.4. YOU ARE SOLELY RESPONSIBLE FOR REPORTING AND PAYING ANY TAXES APPLICABLE TO YOUR WINNINGS AS REQUIRED BY THE LAWS OF YOUR JURISDICTION. KIRGO DOES NOT PROVIDE TAX ADVICE.

5.5. YOU ARE RESPONSIBLE FOR ANY FUNDS YOU CHOOSE TO WAGER WHILE A WITHDRAWAL REQUEST OR OTHER DISPUTE IS PENDING. KIRGO IS NOT LIABLE FOR LOSSES INCURRED UNDER THESE CIRCUMSTANCES.

6.1. TO CLOSE YOUR KIRGO ACCOUNT, PLEASE CONTACT OUR CUSTOMER SUPPORT TEAM DIRECTLY. YOU ARE RESPONSIBLE FOR ALL ACTIVITY ON YOUR ACCOUNT UNTIL KIRGO CONFIRMS THAT THE CLOSURE PROCESS IS COMPLETE.

6.2. IF YOU'RE CLOSING YOUR ACCOUNT DUE TO A GAMBLING PROBLEM, WE ENCOURAGE YOU TO EXPLORE OUR RESPONSIBLE GAMING TOOLS OR SPEAK WITH OUR CUSTOMER SUPPORT TEAM.

6.3. WE PROCESS CLOSURE REQUESTS WITHIN 24 HOURS, AS LONG AS THERE ARE NO PENDING DISPUTES. ANY LEGITIMATE, WITHDRAWABLE BALANCE LEFT IN YOUR ACCOUNT WILL BE REFUNDED, SUBJECT TO STANDARD WITHDRAWAL POLICIES AND CHECKS.

6.4. ONCE YOUR ACCOUNT IS CLOSED, DO NOT SIGN UP FOR A NEW ONE. THIS WILL BE CONSIDERED A DUPLICATE ACCOUNT.

6.5. ACCOUNT REACTIVATION IS SUBJECT TO A THOROUGH REVIEW AND MAY REQUIRE UPDATED VERIFICATION. ACCOUNTS CLOSED DUE TO SELF-EXCLUSION, FRAUD, OR SERIOUS VIOLATIONS OF THESE TERMS CANNOT BE REACTIVATED. THIS DECISION IS FINAL.

7.1. YOU CAN ONLY USE PAYMENT METHODS THAT ARE LEGALLY YOURS. ALL DEPOSITS MUST ORIGINATE FROM A PAYMENT ACCOUNT OR CRYPTO WALLET REGISTERED IN YOUR NAME.

7.2. EACH CRYPTOCURRENCY HAS A SEPARATE WALLET IN YOUR ACCOUNT. YOU CAN HOLD MULTIPLE CRYPTOCURRENCIES BUT CANNOT MIX OR CONVERT THEM IN YOUR KIRGO ACCOUNT.

7.3. YOUR KIRGO ACCOUNT OPERATES ON A LIKE-FOR-LIKE CRYPTO WALLET SYSTEM.

• IF YOU DEPOSIT BITCOIN (BTC), IT WILL BE PLACED INTO YOUR BTC WALLET. YOU NEED TO WITHDRAW BTC.
• IF YOU DEPOSIT SOLANA (SOL), IT WILL BE PLACED INTO YOUR SOL WALLET. YOU NEED TO WITHDRAW SOL.

7.4. CRYPTOCURRENCY TRANSACTIONS ARE FINAL AND CANNOT BE REVERSED. YOU ARE ENTIRELY RESPONSIBLE FOR VERIFYING ALL DETAILS BEFORE CONFIRMING A DEPOSIT.

7.5. IN SOME CASES, IT MAY BE POSSIBLE TO RECOVER FUNDS SENT IN ERROR, TYPICALLY FOR AMOUNTS OVER $1,000.

7.6. IF WE SUCCESSFULLY RECOVER THE FUNDS, WE WILL CREDIT THEM TO YOUR KIRGO ACCOUNT.

7.7. WE ADDRESS EACH DEPOSIT ISSUE INDIVIDUALLY AND WORK TO FIND A FAIR SOLUTION.

8.1. BEFORE ANY WITHDRAWAL, YOUR DEPOSIT MUST BE WAGERED TO COMPLY WITH ANTI-MONEY LAUNDERING REQUIREMENTS. THE MINIMUM WAGERING IS:

• SLOTS: 1X THE DEPOSIT AMOUNT.
• TABLE GAMES OR LIVE CASINO: 3X THE DEPOSIT AMOUNT.
• SPORTS OR ESPORTS: 1X THE DEPOSIT AMOUNT WITH ODDS OF -200 (1.5) OR HIGHER.

HAVEN'T MET THESE REQUIREMENTS? NO PROBLEM — WE CAN REVIEW YOUR REQUEST INDIVIDUALLY.

8.2. WITHDRAWALS ARE TYPICALLY PROCESSED WITHIN 24 HOURS.

8.3. YOU CANNOT WITHDRAW FUNDS WHILE A DEPOSIT IS PENDING CONFIRMATION ON THE BLOCKCHAIN.

8.4. YOU ARE RESPONSIBLE FOR PROVIDING THE CORRECT WITHDRAWAL DETAILS.

8.5. WE MAY DELAY OR CANCEL ANY WITHDRAWAL FLAGGED FOR SECURITY REVIEW.

8.6. IF FUNDS ARE CREDITED TO YOUR ACCOUNT BY MISTAKE, YOU MUST REPORT THE ERROR IMMEDIATELY.

8.7. FOR WINNINGS OVER $150,000, WE RESERVE THE RIGHT TO PAY IN MONTHLY INSTALLMENTS OF UP TO $150,000 UNTIL THE FULL AMOUNT IS PAID.

8.8. IF YOU DISPUTE A WITHDRAWAL ISSUE, YOU MUST PROVIDE CLEAR EVIDENCE. SUBMITTING A FRAUDULENT CLAIM WILL RESULT IN FORFEITED FUNDS AND POSSIBLE ACCOUNT CLOSURE.

9.1. THE BONUS TERMS ARE A FUNDAMENTAL PART OF THESE TERMS OF USE. BY AGREEING TO THE TERMS OF USE, YOU ALSO ACKNOWLEDGE AND ACCEPT THE BONUS TERMS AS BINDING AND APPLICABLE.

10.1. ABSOLUTE RESTRICTIONS
NETENT CASINO GAMES ARE STRICTLY PROHIBITED FROM BEING SUPPLIED TO ANY ENTITY OPERATING IN THE FOLLOWING JURISDICTIONS UNLESS APPROPRIATE LICENSES ARE IN PLACE:

• BELGIUM, BULGARIA, COLOMBIA, CROATIA, CZECH REPUBLIC, DENMARK, ESTONIA, FRANCE, ITALY, LATVIA, LITHUANIA, MEXICO, PORTUGAL, ROMANIA, SPAIN, SWEDEN, SWITZERLAND, UNITED KINGDOM, UNITED STATES OF AMERICA.

10.2. BLACKLISTED TERRITORIES
NETENT CASINO GAMES ARE NOT PERMITTED IN THE FOLLOWING JURISDICTIONS UNDER ANY CIRCUMSTANCES:

• AFGHANISTAN, ALBANIA, ALGERIA, ANGOLA, AUSTRALIA, BAHAMAS, BOTSWANA, BELGIUM, BULGARIA, COLOMBIA, CROATIA, CZECH REPUBLIC, DENMARK, ESTONIA, ECUADOR, ETHIOPIA, FRANCE, GHANA, GUYANA, HONG KONG, ITALY, IRAN, IRAQ, ISRAEL, KUWAIT, LATVIA, LITHUANIA, MEXICO, NAMIBIA, NICARAGUA, NORTH KOREA, PAKISTAN, PANAMA, PHILIPPINES, PORTUGAL, ROMANIA, SINGAPORE, SPAIN, SWEDEN, SWITZERLAND, SUDAN, SYRIA, TAIWAN, TRINIDAD AND TOBAGO, TUNISIA, UGANDA, UNITED KINGDOM, UNITED STATES OF AMERICA, YEMEN, ZIMBABWE.

10.3. ADDITIONAL RESTRICTIONS FOR BRANDED GAMES

• PLANET OF THE APES VIDEO SLOT: NOT PERMITTED IN AZERBAIJAN, CHINA, INDIA, MALAYSIA, QATAR, RUSSIA, THAILAND, TURKEY, AND UKRAINE.
• VIKINGS VIDEO SLOT: NOT PERMITTED IN AZERBAIJAN, CAMBODIA, CANADA, CHINA, FRANCE, INDIA, INDONESIA, LAOS, MALAYSIA, MYANMAR, PAPUA NEW GUINEA, QATAR, RUSSIA, SOUTH KOREA, THAILAND, TURKEY, UKRAINE, AND THE UNITED STATES OF AMERICA.
• NARCOS VIDEO SLOT: NOT PERMITTED IN INDONESIA AND SOUTH KOREA.
• STREET FIGHTER VIDEO SLOT: NOT PERMITTED IN NUMEROUS LISTED TERRITORIES INCLUDING ANGUILLA, ANTIGUA & BARBUDA, ARGENTINA, ARUBA, ETC.
• FASHION TV VIDEO SLOT: NOT PERMITTED IN CUBA, JORDAN, TURKEY, AND SAUDI ARABIA.

10.4. UNIVERSAL MONSTERS TITLES
THE FOLLOWING GAMES: DRACULA, CREATURE FROM THE BLACK LAGOON, PHANTOM'S CURSE, AND THE INVISIBLE MAN, ARE ONLY PERMITTED IN THESE TERRITORIES:

• ANDORRA, AUSTRIA, ARMENIA, AZERBAIJAN, BELARUS, BOSNIA AND HERZEGOVINA, FINLAND, GEORGIA, GERMANY, GREECE, HUNGARY, ICELAND, IRELAND, LIECHTENSTEIN, LUXEMBOURG, MALTA, MOLDOVA, MONACO, MONTENEGRO, NORTH MACEDONIA, NORWAY, POLAND, RUSSIA, SAN MARINO, SERBIA, SLOVAKIA, SLOVENIA, TURKEY, AND UKRAINE.

11.1. KIRGO'S SERVICES ARE INTENDED SOLELY FOR YOUR PERSONAL ENTERTAINMENT AND ENJOYMENT. USING YOUR KIRGO ACCOUNT ON BEHALF OF ANOTHER PERSON OR FOR ANY COMMERCIAL PURPOSE IS STRICTLY PROHIBITED.

11.2. YOU ARE RESPONSIBLE FOR UNDERSTANDING THE RULES OF ANY GAME YOU PLAY AND VERIFYING EVERY TRANSACTION BEFORE SUBMITTING IT.

11.3. TECHNICAL HICCUP? IF YOU EXPERIENCE INTERRUPTED GAMES, ERRORS, OR PAYMENT ISSUES, CONTACT CUSTOMER SUPPORT IMMEDIATELY.

11.4. IF TECHNICAL ISSUES HAPPEN, HERE'S HOW KIRGO HANDLES THEM:

• BETS AFFECTED BY A CLEAR ERROR WILL BE VOIDED AND THE STAKE REFUNDED.
• INCOMPLETE GAME ROUNDS WILL BE SETTLED BASED ON SERVER DATA OR REFUNDED IF OUTCOME CANNOT BE DETERMINED.
• PAYOUTS MAY BE ADJUSTED TO CORRECT ANY VERIFIABLE ERRORS.

11.5. RESULTS POSTED ON THE WEBSITE BECOME FINAL AFTER 72 HOURS UNLESS GAME RULES SPECIFY OTHERWISE.

11.6. YOU ARE RESPONSIBLE FOR A STABLE INTERNET CONNECTION AND COMPATIBLE DEVICE. KIRGO IS NOT LIABLE FOR LOSSES DUE TO YOUR HARDWARE OR CONNECTIVITY.

11.7. ANY ATTEMPT TO THREATEN, INTIMIDATE, OR PRESSURE KIRGO OR STAFF WILL NOT BE TOLERATED AND MAY RESULT IN ACCOUNT RESTRICTIONS OR CLOSURE.

12.1. IF YOUR ACCOUNT HAS NOT LOGGED IN FOR 12 CONSECUTIVE MONTHS, IT WILL BE CLASSIFIED AS DORMANT. A $5 MONTHLY ADMINISTRATIVE FEE WILL BE DEDUCTED.

12.2. WE WILL NOTIFY YOU AT LEAST 30 DAYS BEFORE FEES START AND PROVIDE A GRACE PERIOD TO REACTIVATE YOUR ACCOUNT.

12.3. TO PREVENT DORMANCY, YOU MUST LOG IN TO RESET THE 12-MONTH INACTIVITY COUNTER.

12.4. ALL BONUS FUNDS, FREE SPINS, AND CASHBACK BALANCES WILL BE VOIDED ON DORMANCY.

12.5. REACTIVATING YOUR DORMANT ACCOUNT WILL REFUND ANY DORMANCY FEES AND MAKE YOUR BALANCE FULLY AVAILABLE.

13.1. KIRGO MAINTAINS A ZERO-TOLERANCE POLICY AGAINST ALL PROHIBITED PRACTICES. ANY ATTEMPT TO GAIN AN UNFAIR ADVANTAGE OR MISUSE SERVICES WILL LEAD TO IMMEDIATE ACTION.

13.2. PROHIBITED PRACTICES INCLUDE:

• BONUS ABUSE: USING STRATEGIES TO UNFAIRLY EXPLOIT PROMOTIONS.
• COLLUSION: TEAMING UP WITH OTHER PLAYERS TO MANIPULATE OUTCOMES.
• DUPLICATE ACCOUNTS: CREATING OR USING MULTIPLE ACCOUNTS.
• FRAUDULENT FINANCIAL ACTIVITY: USING STOLEN OR UNAUTHORIZED PAYMENT METHODS.
• SYSTEM EXPLOITATION: ABUSING SOFTWARE BUGS OR TECHNICAL LOOPHOLES.
• UNLAWFUL ACTIVITY: USING THE PLATFORM FOR CRIMINAL PURPOSES.

13.3. VIOLATIONS MAY RESULT IN ACCOUNT SUSPENSION, VOIDED TRANSACTIONS, AND LEGAL ACTION.

13.4. COOPERATE FULLY WITH INVESTIGATIONS AND REPORT ANY SUSPECTED VIOLATIONS TO CUSTOMER SUPPORT.

13.5. KIRGO WILL HANDLE POTENTIAL ISSUES FAIRLY AND INDIVIDUALLY. DECISIONS ARE FINAL.

14.1. REFUNDS ARE ISSUED ONLY UNDER SPECIFIC CONDITIONS AND APPLY EXCLUSIVELY TO UNUSED FUNDS. WAGERED FUNDS ARE NON-REFUNDABLE.

14.2. REQUEST REFUND FOR UNUSED DEPOSITS WITHIN 24 HOURS OF TRANSACTION.

• REFUNDS DO NOT COVER BONUSES OR WINNINGS.
• CRYPTOCURRENCY REFUNDS USE THE EXCHANGE RATE AT APPROVAL TIME.

EXAMPLE: IF YOU DEPOSIT $100 AND DO NOT PLACE ANY BETS, YOU CAN REQUEST A REFUND WITHIN 24 HOURS. ANY BONUS CREDITED WITH THE DEPOSIT WILL BE VOID.

14.3. REPORT UNAUTHORIZED ACCOUNT ACCESS TO CUSTOMER SUPPORT WITHIN 30 DAYS.

14.4. KIRGO RESERVES THE RIGHT TO REFUSE REFUNDS IF SECURITY OR COMPLIANCE VIOLATIONS ARE DETECTED.

15.1. WE COLLECT AND PROCESS YOUR PERSONAL INFORMATION TO OPERATE THE PLATFORM AND FULFILL LEGAL OBLIGATIONS. MAIN USES INCLUDE:

• MANAGE YOUR ACCOUNT AND ENABLE PARTICIPATION IN SERVICES.
• ENSURE TECHNICAL FUNCTIONALITY OF THE PLATFORM.
• COMPLY WITH LEGAL AND REGULATORY REQUIREMENTS.

15.2. ACCESS TO DATA IS LIMITED TO AUTHORIZED KIRGO STAFF AND TRUSTED SERVICE PROVIDERS. WE DO NOT SHARE DATA WITH OTHER THIRD PARTIES UNLESS REQUIRED BY LAW OR TO COMPLETE A TRANSACTION.

15.3. YOU HAVE RIGHTS TO ACCESS OR CORRECT YOUR PERSONAL DATA. KEEP YOUR DETAILS UPDATED VIA YOUR ACCOUNT OR CUSTOMER SUPPORT.

15.4. ACCEPTING MAJOR PRIZES OR PROMOTIONAL WINNINGS CONSENTS TO USE OF YOUR FIRST NAME AND LAST INITIAL OR USERNAME FOR MARKETING PURPOSES ONLY.

15.5. OPT OUT OF MARKETING COMMUNICATIONS VIA PROFILE SETTINGS OR "UNSUBSCRIBE" LINK. ESSENTIAL TRANSACTIONAL NOTIFICATIONS WILL STILL BE SENT.

15.6. COOKIES ARE USED TO OPERATE AND IMPROVE THE SITE. MANAGE OR DISABLE IN YOUR BROWSER, WHICH MAY LIMIT FUNCTIONALITY.

15.7. RECORDS OF COMMUNICATIONS, INCLUDING EMAILS AND CHAT LOGS, ARE KEPT FOR QUALITY ASSURANCE, TRAINING, AND AUDITING PURPOSES.

16.1. SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." KIRGO DOES NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE PERFORMANCE AND IS NOT LIABLE FOR LOSSES FROM TECHNICAL FAILURES OR EVENTS OUTSIDE OUR CONTROL.

16.2. YOU ACCEPT INHERENT FINANCIAL RISKS ASSOCIATED WITH GAMBLING. KIRGO, DIRECTORS, AND EMPLOYEES ARE NOT LIABLE FOR ANY FINANCIAL LOSSES.

16.3. YOU AGREE TO INDEMNIFY KIRGO AND ITS ASSOCIATES AGAINST CLAIMS, DAMAGES, OR EXPENSES ARISING FROM:

• Breach of Terms of Use.
• Claims THAT YOUR USE VIOLATED LAWS.
• Unauthorized access to your account.

EXAMPLE: IF A THIRD PARTY ACCESSES YOUR ACCOUNT, YOU ARE RESPONSIBLE FOR RESULTING LOSSES.

16.4. GAMBLING RISKS INCLUDE FINANCIAL LOSS, WHICH YOU ACCEPT. KIRGO IS NOT LIABLE.

16.5. THIRD-PARTY WEBSITE CONTENT OR CLAIMS ARE INDEPENDENT OF KIRGO. RELIANCE IS AT YOUR OWN RISK.

TOTAL AGGREGATE LIABILITY IS LIMITED TO THE LESSER OF:

• (a) VALUE OF AFFECTED WAGERS;
• (b) $500 OR EQUIVALENT. BUSINESS, CONSEQUENTIAL, INDIRECT, OR PUNITIVE LOSSES ARE EXCLUDED.

KIRGO IS NOT RESPONSIBLE FOR DELAYS OR FAILURES CAUSED BY EVENTS BEYOND REASONABLE CONTROL, INCLUDING FORCE MAJEURE. SERVICES MAY BE SUSPENDED OR CANCELLED DURING SUCH EVENTS.

17.1. IF ANY PROVISION IS DEEMED INVALID OR UNENFORCEABLE, IT WILL BE MODIFIED OR REMOVED TO THE MINIMUM EXTENT NECESSARY. OTHER PROVISIONS REMAIN IN FULL FORCE.

EXAMPLE: IF A BONUS RULE CONFLICTS WITH LOCAL LAW, IT WILL BE ADJUSTED TO COMPLY WHILE CORE PRINCIPLES REMAIN.

18.1. KIRGO MAY SUSPEND, RESTRICT, OR CLOSE ACCOUNTS FOR TERMS VIOLATIONS, INCLUDING FRAUD, WITHOUT PRIOR NOTICE.

18.2. DURING SUSPENSION, ALL ACTIVITIES ARE DISABLED. IF CLOSED, VALID NON-FRAUDULENT BETS ARE HONORED, BONUSES AND WINNINGS VOIDED.

18.3. SUSPECTED VIOLATIONS MAY LEAD TO FUNDS BEING FROZEN PENDING INVESTIGATION. NOTIFICATION WILL BE PROVIDED UNLESS BREACH IS SEVERE.

18.4. CONFIRMED BREACHES MAY RESULT IN CONFISCATION OF WINNINGS, BONUSES, OR DEPOSITS. MANAGEMENT DECISIONS ARE FINAL.

EXAMPLE: EVIDENCE OF COLLUSION MAY RESULT IN ACCOUNT SUSPENSION, INVESTIGATION, AND WINNINGS CONFISCATION.

18.5. KIRGO WILL HANDLE ISSUES INDIVIDUALLY AND FAIRLY. DECISIONS AFTER REVIEW ARE FINAL.

19.1. ALL CONTENT ON THE KIRGO WEBSITE IS OWNED BY KIRGO OR LICENSORS. USE OF SERVICES DOES NOT GRANT OWNERSHIP RIGHTS.

19.2. LIMITED, NON-EXCLUSIVE, NON-TRANSFERABLE LICENSE IS PROVIDED FOR PERSONAL ENTERTAINMENT ONLY.

19.3. UNAUTHORIZED USE IS PROHIBITED, INCLUDING:

• COPYING, REPRODUCING, DISTRIBUTING, OR MODIFYING CONTENT WITHOUT CONSENT.
• USING AUTOMATED TOOLS TO MONITOR OR COPY CONTENT.
• ENGAGING IN ACTIVITY THAT HARMS KIRGO'S BRAND OR IP.

19.4. YOU ARE RESPONSIBLE FOR DAMAGES ARISING FROM UNAUTHORIZED USE.

EXAMPLE: USING KIRGO LOGO WITHOUT AUTHORIZATION MAY RESULT IN LEGAL ACTION AND DAMAGE RECOVERY.

20.1. KIRGO MAY TRANSFER OR ASSIGN THIS AGREEMENT WITHOUT AFFECTING YOUR RIGHTS OR OBLIGATIONS.

20.2. YOUR ACCOUNT AND RIGHTS ARE PERSONAL AND NON-TRANSFERABLE. SELLING, GIFTING, OR TRANSFERRING YOUR ACCOUNT OR ASSETS, INCLUDING BALANCES, WINNINGS, PROMOTIONS, OR LOYALTY CURRENCY, IS PROHIBITED.

ANY ATTEMPT IS VOID AND CONSTITUTES A TERMS BREACH.

21.1. CONTACT CUSTOMER SUPPORT FOR QUESTIONS OR CONCERNS.

21.2. CORRESPONDENCE MUST COME FROM REGISTERED EMAIL TO VERIFY ACCOUNT.

21.3. VALID COMPLAINTS WILL BE REVIEWED AND RESPONDED TO WITHIN 28 DAYS.

21.4. KIRGO ACTS IN GOOD FAITH AND ACCEPTS NO LIABILITY FOR ACTIONS TAKEN DURING COMPLAINT HANDLING.

21.5. NOT SATISFIED? PROVIDE FULL DETAILS TO CUSTOMER SUPPORT.

21.6. DISPUTES MUST BE SUBMITTED WITHIN 3 DAYS OF WAGER OR TRANSACTION.

21.7. YOU ARE RESPONSIBLE FOR VERIFYING ACCOUNT ACTIVITY.

21.8. UNRESOLVED MATTERS ARE ESCALATED TO MANAGEMENT.

21.9. REASONABLE EFFORTS WILL BE MADE TO RESOLVE. IF NO AGREEMENT, DISPUTES MAY GO TO ARBITRATION OR GAMING BOARD OF ANJOUAN.

21.10. DECISIONS BY THE GAMING BOARD ARE FINAL AND BINDING.

21.11. FOR USER-TO-USER DISPUTES, KIRGO FACILITATES PRIVATE DISCUSSIONS.

21.12. IF NO RESOLUTION WITHIN 7 DAYS, MATTER MAY GO TO ARBITRATION OR GAMING BOARD.

21.13. SERVER RECORDS TAKE PRECEDENCE OVER USER DEVICES.

21.14. DISPUTE COMMUNICATIONS REMAIN CONFIDENTIAL UNLESS REQUIRED BY LAW.

21.15. YOU CONSENT TO EXCLUSIVE JURISDICTION OF THE AUTONOMOUS ISLAND OF ANJOUAN, UNION OF COMOROS.

21.16. TEMPORARY OR INJUNCTIVE RELIEF MAY BE PURSUED TO SAFEGUARD CONFIDENTIAL INFORMATION OR IP.

22.1. THESE TERMS, INCLUDING PRIVACY, RESPONSIBLE GAMING, AND KYC POLICIES, ARE GOVERNED BY THE LAWS OF THE AUTONOMOUS ISLAND OF ANJOUAN, UNION OF COMOROS. EXCLUSIVE JURISDICTION OF COURTS IN ANJOUAN IS AGREED.

22.2. YOU WAIVE RIGHTS TO PARTICIPATE IN CLASS ACTIONS OR RELATED PROCEEDINGS AGAINST KIRGO.

NOTICES MAY BE SENT VIA WEBSITE POSTING OR REGISTERED EMAIL. YOU ARE RESPONSIBLE FOR ACCESS. NOTICES ARE RECEIVED WHEN POSTED OR RECEIVED UNLESS LAW SPECIFIES OTHERWISE.