TERMS & CONDITIONS

Date Last Modified: 10.02.2026

1. General

1.1. These Terms and Conditions are the official rules of SOFTSPARK SERVICES SRL and are binding on all bets. These Terms and Conditions govern the relationship between the license holder SOFTSPARK SERVICES SRL and its role as a license holder and the Players as individuals that make bets on official Website Twocards.com ("Casino", "Website", “Company”, "We", "Us", "Our", “TwoCards”).

1.2 These Terms and Conditions come into force as soon as You as a Player (the “Player”) click on the “Sign Up” button and register Your Player Account (as defined below) with TwoCards. By creating and/or opening and/or registering a Player Account with TwoCards, You signify to TwoCards that You have read Our Terms and Conditions, understand them and accept them. You must read these Our Terms and Conditions carefully in their entirety before clicking on the “Sign Up” button. If You do not agree with any provision of Our Terms and Conditions You must not use or continue to use the Website.

1.3. Moreover, upon registration of Your Player Account You will immediately enter an agreement with TwoCards on terms and conditions contained in these Terms and Conditions (the “Agreement”). By using the Website, TwoCards Services, any of the Games and/or Your Player Account, You signify that You agree with Our Terms and Conditions and commit Yourself to abide by them at all times when using the Website, TwoCards Services, any of the Games and/or Your Player Account. Before using Our Website, please read these Terms and Conditions carefully. By registering a Player Account with the Website You confirm Your consent with the Terms and Conditions.

1.4 Twocards.com is owned and operated by SOFTSPARK SERVICES SRL, a company registered and established under the laws of Costa Rica. SOFTSPARK SERVICES SRL operates under License No: ALSI-202409048-FI2 issued by Anjouan Gaming, authorized and regulated by the Government of Anjouan, registration number is 3-102-933695 and its registered address is Costa Rica, San José, Distrito Santa Ana Cantón Santa Ana, Edificio Plaza Murano, 1st floor.

1.5 Payment processing services are provided by SOLVESSA LTD, registration number is ΗΕ 481286 and its registered address is 1 Chrysanthou Mylona Megaro Panayides, 2nd Floor, Office 1 3030 Limassol, Cyprus, acting as a payment agent on behalf of SOFTSPARK SERVICES SRL to process all sums deposited or withdrawn by the Players through the corresponding payment institutions, aggregators and banks. The payment agent is responsible solely for processing payments and does not provide gaming services.

1.6 If there is any discrepancy between different language versions of these Terms and Conditions, the English version is considered correct.

1.7 The Company reserves the right, at its sole discretion, to engage or replace any third-party service providers for the purpose of offering additional Games or related features and services on the Website. Such changes may occur without prior notice, and the Company shall not be liable for any modification, suspension, or discontinuation of such third-party services.

1.8 When a Player registers with or uses any Games and services provided by a third party, the Player acknowledges and agrees to be bound by the terms, conditions, and policies of such third parties. The Company shall not be responsible or liable for any actions, omissions, or services provided by third parties. Player acknowledge and agree that the use of Our Services and paying the Games is at all times at the Player’ sole risk and responsibility.

1.9 Rules and explanations for participating in any of TwoCards’s Games, maintaining Your Player Account with TwoCards, and other important information is provided in separate links on the Website and are incorporated into Our Terms and Conditions by reference.

1.10 Any reference to TwoCards’s Games in Our General Terms and Conditions shall refer to Сasino and other Games as such may from time to time become available on the Website. TwoCards reserve the right to add and remove Games from the Website at its own discretion without any prior notification of Players.

1.11 The Player is solely responsible for being aware of and complying with the existing laws and regulations of the given jurisdiction and jurisdiction from which he uses Our Website in relation to online gambling.

2. Changes to Terms and Conditions

2.1 The Company reserves the right to amend, update, or modify these Terms and Conditions at any time and at its sole discretion. While the Company will make reasonable efforts to notify Players of any material or significant changes (for example, by email or website notification), it shall remain the Player’s sole responsibility to review these Terms and Conditions regularly to ensure awareness of the latest version. Continued use of the Website following any amendments constitutes the Player’s full acceptance of the updated Terms and Conditions.

2.2 Each section of these Terms and Conditions applies within its specific context. By agreeing to these Terms, the Player acknowledges that no provision may be interpreted or applied in a manner that contradicts or overrides another section.

2.3 The Company reserves the right to contact Players by phone and/or email to inform them about special offers, promotions, or new products. Players may opt out of such communications in accordance with the Privacy Policy.

3. Registration Eligibility

3.1 The Company accepts players only from those countries and geographic regions where online gambling is allowed by the law. It is the Player’s sole responsibility to inquire about the existing gambling laws and regulations of the given jurisdiction before placing bets on the Website. By accessing and opening a Player Account and using this Website, You confirm and warrant that online gambling is legal and permitted in the jurisdiction where You are located and You will not use the Website while resident or temporarily located in any jurisdiction that prohibits use of the Website. Website is not liable for any offenses arising out of Your use of the VPN-services. If You use these programs to access the Website or Games from a Restricted Country, the Website is not liable for any claims that can arise because of using such Services and accessing Restricted Countries.

3.2 The Company accepts strictly adult players (the minimum age is 18) and players who have reached the age specified by the jurisdiction of the Player's place of residence as eligible for online gaming. It is the Player’s sole responsibility to inquire about the existing laws and regulations of the given jurisdiction regarding age limitations for online gambling. When placing a bet or participating in a Game, the Players declare that they have attained the minimum age requirement for participation in that game according to the respective national legal system (but no lower than 18 years of age) and that they have the necessary legal capacity. The Player is fully responsible in the case of the violation of this paragraph of these Terms and Conditions. In case of failure to comply with these requirements, the Player's Account will be closed.

3.3 It is entirely and solely your responsibility to enquire and ensure that You do not breach laws applicable to You by participating in the Games. Depositing real funds and playing for real money is subject to the laws of Your country, and it is Your sole responsibility to abide by Your native regulations. The Player must also note that the Company is not obliged to provide the Players with information, instructions, and warnings other than those provided in these Terms and Conditions. In particular, the Company is not liable for any damage suffered by the Player as a result of the violation of the relevant legislative prohibitions in their country.

3.4 The Company reserves the right to request satisfactory proof of age and/or identity from any Player at any time to verify compliance with legal requirements. The Company may restrict access to the Website, suspend, or permanently close any Player Account if the Player fails to provide adequate documentation or otherwise does not meet the eligibility criteria set out in these Terms and Conditions.

3.5 Players from the following countries and their territories (“Restricted Countries”) are not allowed to deposit and play real money games: Austria, Belize, Comoros, France and its overseas territories (Guadeloupe, Martinique, French Guiana, Réunion, Mayotte, St. Martin, French Polynesia, Wallis and Futuna, New Caledonia), Germany, Netherlands, Spain, Statia, St. Martin, United Kingdom, United States, Democratic People’s Republic of Korea, Iran, Myanmar, Algeria, Angola, Burkina Faso, Cameroon, Côte d'Ivoire, Democratic Republic of Congo, Haiti, Kenya, Lao People's Democratic Republic, Lebanon, Mali, Monaco, Mozambique, Namibia, Nepal, Nigeria, South Africa, South Sudan, Syria, Tanzania, Venezuela, Vietnam, Yemen, Russia, Belarus, Israel, St. Maarten, St. Eustatius, Saba, Dutch West Indies and Comoros Islands.

3.6 The Company cannot guarantee the successful processing of withdrawals or refunds in the event that the Player breaches this Restricted Countries policy.

3.6 The availability of the Company services via the Website shall not be interpreted as an offer or invitation on Our part to use the services in a country where such use is illegal.

4. Accepted Currencies

5.1 The Website allows playing for the following currencies: USD, EUR, CAD, AUD, BTC, BCH, LTC, ETH, USDT, DOG.

5.2 When signing up, Players have the option to select their preferred currency from the available list on TwoCards. Players can play in any of the available currencies or in the equivalent of their local currency in EUR. The full list available for the Player currencies is indicated in the Player Account. It's important to note that once a currency is chosen for a Player Account, it cannot be changed later. Players acknowledge and agree that the exchange rates of all currencies might change, and the Website is not responsible for any exchange rate changes. Note that some payment systems may apply additional currency exchange fees which will be deducted from the sum of Your deposit.

5.3 If a Player intends to add funds from banking cards in currencies other than mentioned in his Player Account, they should be aware that their bank/payment provider will convert the money and should review the conversion terms to stay informed about any additional fees. Any banking fee in such conversion shall levy on the Player. Winnings are paid out in the currency of the Players Account.

5. Fees and Taxes

5.1 The Player is solely and fully responsible for the payment of any and all fees, taxes, levies, or other charges that may apply to their winnings or participation in the Games, in accordance with the laws and regulations of the jurisdiction in which the Player resides or is otherwise subject to tax.

5.2 The Company does not provide, and shall not be deemed to provide, any form of legal, tax, or financial advice to the Players. It is the Player’s sole responsibility to determine whether their participation in the Games is lawful within their jurisdiction and to ensure compliance with all applicable tax obligations.

5.3 The Company shall not be liable for any tax obligations incurred by the Player, nor for any penalties, interest, or additional charges imposed by tax authorities in connection with the Player’s use of the Website or receipt of winnings.

5.4 The Company reserves the right, where required by applicable law or regulatory authority, to deduct or withhold any taxes or fees from a Player’s winnings and to report such deductions or withholdings to the relevant authorities.

6. Game Rules

6.1 TwoCards offers a range of Games, including slots, table Games, and live casino Games, provided by reputable software providers (the “Games”). The outcome of all games is determined by a random number generator (RNG) to ensure fairness and impartiality. TwoCards reserves the right to add or remove Games from Our Website without prior notice.

6.2 By accepting these Terms and Conditions You confirm that You understand the rules of the products offered on the Website. It is at Your discretion to familiarize Yourself with the bet selection type or the theoretical payout percentage of each Game.

6.3 TwoCards does not accept any responsibility for any technical problems or malfunctions that may occur during gameplay or placing bets, including but not limited to interrupted gameplay, lost bets, or lost winnings. In the event of such problems, Players are advised to contact customer support immediately via support@twocards.com.

6.4 TwoCards reserves the right to refuse payment of any winnings that result from a malfunction of the Games and that are voided by the Game Providers for this reason.

6.5 Players agree to use the software of Our Game Providers as integrated in the Website only for the playing of Games in accordance with the Game Providers conditions and the terms and conditions applicable on each Game.

6.6 Please, keep in mind that some Games may be unavailable in certain jurisdictions, as required by the policies of Game Providers which may change from time to time.

6.7 Players agree to comply with all applicable laws and not use the Games in any of the prohibited and restricted countries.

6.8 Using a VPN to bypass a Game Provider’s block is strictly prohibited and may lead to the confiscation of winnings.

6.9 Players agree do not reverse engineer or decompile any of the Games, modify, remove or obscure any proprietary notices placed on the Games, copy the Games by any means for any purpose whatsoever, attempt to derive source code or other confidential information from the Games or use the Games for any purpose other than playing the games or in any way that could adversely affect Game Provider’s name, image or reputation; and

7. Disclaimer of Liabilities

7.1. By accepting these Terms and Conditions, You acknowledge that gambling involves financial risk and may result in the loss of money. You are solely responsible for any losses incurred through the use of the Website. The Company shall not be liable for any financial damages, losses, or consequences arising from Your participation in the Games.

7.2. The Company shall not be liable for any hardware or software failures, unstable or lost Internet connection, technical malfunctions, interruptions, delays, or other system errors that may limit access to the Website or prevent uninterrupted play.

7.3. In the unlikely event that a wager is accepted or a payment is made in error, the Company reserves the right to cancel all affected wagers or to correct the mistake by re-settling the wagers based on the correct terms that should have applied at the time. The Company assumes no responsibility for the accuracy, completeness, or timeliness of information or data services, including Live event data. In cases of manifest or obvious error, affected wagers shall be voided and stakes refunded.

7.4. If the Company mistakenly credits Your Player Account with funds not belonging to You, whether due to a technical issue, system malfunction, human error, or otherwise, such funds shall remain the property of the Company and will be deducted from Your Player Account. If You have already withdrawn the funds before the error was identified, the amount shall constitute a debt owed by You to the Company. You are obliged to immediately notify the Company of any such incorrect crediting by email. In the event of an incorrect crediting, You are obliged to notify Us immediately via support@twocards.com.

7.5. In some cases, significant winnings might be caused by vulnerability in Games or incorrect processing of particular features or mechanics. In these cases, or similar to them, usually big winnings are achieved in a very short time in one certain Game with an extremely positive outcome which is thousands of times bigger than the initial deposit amount. Such cases may be treated as a casus fortuitous or fraud, depending on certain circumstances and, at the sole discretion of the Casino, winnings that resulted from software incompleteness, vulnerabilities or technical errors may be forfeited.

7.6. The Company, its directors, employees, partners, affiliates, contractors, and service providers:

(a) do not warrant that the Website, software, or Games are fit for any particular purpose;

(b) do not warrant that the Website or Games are error-free or uninterrupted;

(c) shall not be liable for any loss, costs, damages, or expenses - whether direct, indirect, consequential, incidental, or otherwise - arising out of or in connection with the use of the Website, Games, or Services.

7.7. You agree to fully indemnify, defend, and hold harmless the Company, its directors, employees, partners, contractors, and service providers from and against any and all claims, demands, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of Your use or misuse of the Website, violation of these Terms and Conditions, or

7.8. You acknowledge that the Casino shall be the final decision-maker of whether You have violated the Casino’s General Terms and Conditions in a manner that results in Your suspension or permanent barring from participation in the Website.

7.9. TwoCards is not responsible or liable for any typographical, technical, or human error in the postings of any type of odds. In the event of such an error, TwoCards holds the right to void any affected bets in order to correct the error.

7.10. TwoCards is under no circumstance to be held responsible or liable in equity, contract, tort, negligence, or any other theory of law for any damages or losses whether they are direct or indirect from any errors that may have occurred on the TwoCards Website.

7.11. TwoCards is not responsible for any breach of Agreement of the Terms and Conditions caused by any circumstances that are beyond any feasible control.

7.12. TwoCards reserves the right to withdraw the Website and/or elements of the Website at any time.

7.13. TwoCards does not guarantee any reimbursements, returns and refunds and in no case will provide money refunds, except when the funds in question have not been used by You as Your stake in the Games.

7.14 TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT COMPENSATE YOU FOR ANY REASONABLY FORESEEABLE LOSS OR DAMAGE (EITHER DIRECT OR INDIRECT) YOU MAY SUFFER IF WE FAIL TO CARRY OUT OUR OBLIGATIONS UNDER THESE GENERAL TERMS AND CONDITIONS UNLESS WE BREACH ANY DUTIES IMPOSED ON US BY LAW (INCLUDING IF WE CAUSE DEATH OR PERSONAL INJURY BY OUR NEGLIGENCE) IN WHICH CASE WE SHALL NOT BE LIABLE TO YOU IF THAT FAILURE IS ATTRIBUTED TO: (I) YOUR OWN FAULT; (II) A THIRD PARTY UNCONNECTED WITH OUR PERFORMANCE OF THESE GENERAL TERMS AND CONDITIONS (FOR INSTANCE PROBLEMS DUE TO COMMUNICATIONS NETWORK PERFORMANCE, CONGESTION, AND CONNECTIVITY OR THE PERFORMANCE OF YOUR COMPUTER EQUIPMENT); OR (III) ANY OTHER EVENTS WHICH NEITHER WE NOR OUR SUPPLIERS COULD HAVE FORESEEN OR FORESTALLED EVEN IF WE OR THEY HAD TAKEN REASONABLE CARE. AS THIS SERVICE IS FOR CONSUMER USE ONLY WE WILL NOT BE LIABLE FOR ANY BUSINESS LOSSES OF ANY KIND.

7.15. IN THE EVENT THAT WE ARE HELD LIABLE FOR ANY EVENT UNDER THESE TERMS AND CONDITIONS, OUR TOTAL AGGREGATE LIABILITY TO YOU UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS SHALL NOT EXCEED (A) THE VALUE OF THE BETS AND OR WAGERS YOU PLACED VIA YOUR ACCOUNT IN RESPECT OF THE RELEVANT BET/WAGER OR PRODUCT THAT GAVE RISE TO THE RELEVANT LIABILITY, OR (B) EUR €500 IN AGGREGATE, WHICHEVER IS LOWER.

7.16 WE STRONGLY RECOMMEND THAT YOU (I) TAKE CARE TO VERIFY THE SUITABILITY AND COMPATIBILITY OF THE SERVICE WITH YOUR OWN COMPUTER EQUIPMENT PRIOR TO USE; AND (II) TAKE REASONABLE PRECAUTIONS TO PROTECT YOURSELF AGAINST HARMFUL PROGRAMS OR DEVICES INCLUDING THROUGH INSTALLATION OF ANTI-VIRUS SOFTWARE.

7.17. The Company shall not be held liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, wars, civil disturbances, government restrictions, strikes, pandemics, or interruptions of telecommunications or payment systems (“Force Majeure Events”).

7.18. The Company reserves the right to suspend, modify, or discontinue the Website or any part of the Services at any time for maintenance, upgrades, or technical reasons. The Company shall not be responsible for any losses or inconvenience suffered as a result of such actions.

7.19. The Company shall not be liable for the acts or omissions of third-party service providers, including but not limited to payment processors, game providers, or software vendors.

8. Use of Player Account

8.1 In order to access the Website and play its Games, You as a Player must create an account (hereinafter - “Player Account”). You must be at least 18 years old and have legal capacity to enter into contracts in Your jurisdiction to create a Player Account.

8.2 Each Player is allowed to create only one (1) personal Player Account. Only one Player Account is allowed per one home address, email address, telephone number, IP and shared computer.

8.3 Creating multiple Player Accounts by a single Player can lead, at the sole discretion of TwoCards, without warning to the termination of all such accounts and cancellation of all payouts, Bonuses, Free Spins and winnings to the Player. The Player shall not provide access to their Player Account or allow using the Website to any third party including but not limited to minors.

8.4 Any returns, winnings or bonuses which the Player has gained or accrued during such time as the Duplicate Account was active shall be reclaimed by Us, and Players undertake to return to Us on demand any such funds which have been withdrawn from the Duplicate Account.

8.5 Bonus abuse is treated as ‘fraud’ in these General Terms and Conditions of TwoCards. Bonus abuse includes, but is not limited to, multiple accounts, collusion, software manipulation, VPN use, and exploiting loopholes and opening of Duplicate Accounts in order to take advantage of additional benefits or bonuses of TwoCards. If TwoCards suspects You in Bonus abuse, We may modify, suspend, or terminate Your Player Account without any prior written warning.

8.6 The Website can only be used for personal purposes and shall not be used for any type of commercial profit.

8.7 You must maintain Your Personal Account and keep Your details up-to-date.

8.8 We reserve the right to make a phone call to the number provided in Your Player Account, which at Our own discretion can be a necessary part of the KYC procedure. Player Account and/or any actions in the Player Account may be terminated until the Player Account is fully verified. We will make reasonable efforts trying to contact You regarding the withdrawal of the funds, but if We are not able to reach You (by email or phone) within two (2) weeks as from the date of the request for withdrawal, Player Account will be locked, since You have failed to pass the KYC procedure.

8.9 We reserve the right to verify Your identity at any time and may request additional documents to confirm Your identity, age, and location. Failure to provide this information may result in the closure of Your Player Account.

8.10 The Player is obliged to fill out Our registration form to open a Player Account at TwoCards. The Player ensures that the information provided in registration form is correct, complete and up to date. After opening Your Player Account, You must take all reasonable steps to avoid disclosing (whether deliberately or accidentally) Your username, password and/or Player Account number to anyone else, including (where practicable) ensuring that up-to-date security software is downloaded onto Your Access Device. All transactions made where Your username and password and/or Player Account number have been entered correctly will be regarded as valid, whether or not authorised by You, and We shall not be liable for any claims in the event that You disclose Your username, password or Player Account number to anyone else (whether deliberately or accidentally). If You have lost or forgotten Your Player Account details, or have a reason to believe that such details are known to an unauthorised third party, please contact Us immediately for a replacement through support@twocards.comt. It is Your sole responsibility to keep all of the information updated and correct.

8.11 In opening Your Player Account You warrant that:

8.11.1 You understand and accept the risk that, by using the Services, You may, as well as winning money, lose money;

8.11.2 You are: (a) over 18 years of age; and (b) above the age at which gambling or gaming activities are legal under the law or jurisdiction that applies to You in Your jurisdiction;

8.11.3 Online gambling is not illegal in the territory where You reside;

8.11.4 You are legally able to enter into contracts;

8.11.5 You have not been excluded from gambling; and

8.11.6. You have not already had a Player Account closed by Us for any reason.

8.12 TwoCards reserves the right to close, refuse and ban a Player Account at its sole foresight without any description of the reasons whatsoever. The Player has the right to close and/or suspend the Players Account at TwoCards at any time by contacting Our support by email support@twocards.com. If the Player wants to renew the contractual relationship with TwoCards the closed account has to be reopened by informing customer support via email support@twocards.com or chat. If the Player's Account has been closed due to any form of exclusion from gambling the Player Account has to stay closed for the amount of time it has been excluded.

8.13 If You have closed an unverified account with an active balance, it does not absolve You for the responsibility to complete Your identity verification; otherwise, We will not be able to process any withdrawals from Your Player Account.

8.14 If the Player requests to block his Player Account for any reason and the balance of the Player’s Account is less than the amount of the last deposit, the remaining balance will be returned to the last payment method. If the balance on the Player’s Account exceeds the amount of the last deposit, the winnings will be cancelled and the amount of the Player’s last deposit will be returned to the last payment method.

8.15 If the Website suspects the Player in acting in fraudulent or unfair activities, the Website may at sole discretion unilaterally impose penalties, revoke of winnings, withheld payment and possibly close the Player Account. The Player shall indemnify and shall be liable to pay to Us on demand all costs, charges or losses sustained or incurred by Us (including any direct, indirect or consequential losses, loss of profit, loss of business and loss of reputation) arising directly or indirectly from the Player’s fraud, dishonesty or criminal act.

8.16 The Website have a right to decline an application for a new Player Account if:

The Registration Form on the Website has not been completed in full, and/or

The information contained in the Registration Form is found to be incorrect and/or

Any information required to be submitted in conjunction with the Player Account Registration Form or requested by Casino prior to or subsequent to the submission of such form is not provided by the applicant in the manner or format or within such timeframes as Casino may specify.

9. Prohibited Activities

​​9.1 The activities mentioned in this Clause 9 are not allowed, constitute a material breach of the Terms and Conditions and should be considered as prohibited activity (the “Prohibited Activity”), including but not limited to:

9.1.1 providing information to third parties;

9.1.2 using an unfair advantage or influence, including the exploitation of bugs, loopholes or errors in our software, the use of automated Players; or the exploitation of an “error”;

9.1.3 undertaking fraudulent activities to Your advantage including the use of a stolen, cloned or otherwise unauthorized credit or debit card as a source of account deposits;

9.1.4 taking part in any criminal activities including money laundering and any other activity with criminal consequences;

9.1.5 colluding or attempting to collude and intending to participate, directly or indirectly, in any collusion scheme with any other Player in the course of any Game You play or will play on the Website.

9.2. The Company will take all reasonable steps to prevent collusion or any attempts to collude; detect them and the corresponding Players; and deal with the corresponding Players accordingly. We will not be liable for any loss or damage which You or any other Player may incur as a result of collusive, fraudulent or otherwise illegal activity or cheating and any action we take in this respect is at our sole discretion.

9.3 If You suspect a person is colluding, cheating or undertaking a fraudulent / prohibited activity you shall as soon as reasonably practicable report this to Us by e-mail.

9.4 If the Company has a suspicion that You may be engaging in or have engaged in fraudulent, unlawful or improper activity, including, without limitation, money laundering activities, or conduct otherwise in violation of the Terms and Conditions, Your access to the services may be terminated immediately and/or Your Player account blocked. If Your Player Account is terminated or blocked in such circumstances, the Company is under no obligation to refund to You any funds that may be in Your Player Account. The Company shall be entitled to inform relevant authorities, other online service providers and banks, credit card companies, electronic payment providers or other financial institutions of Your identity and of any suspected unlawful, fraudulent or improper activity and You will cooperate fully with the Company to investigate any such activity.

9.5 If We have reasonable grounds to believe that You have participated in or have been connected with any form of prohibited activity (either detected by Us or by Our Game Providers and Our other suppliers) such as cheating and collusion practices which are used in the gambling and gaming industry (including but not limited to "Wonging", "Opposite Betting", “Perfect Pair” Card Counting, Dragon Tiger "Suited Tie" Card Counting or any other Card Counting techniques) - the Company reserves the right to discontinue providing service in general and/or to limit the usage of a specific Game type.

9.6 You must not use any abusive or aggressive language or images; swear, threaten, harass or abuse others, including other players, or behave in this manner towards the Company staff that operate or support the Website.

9.7 You shall not corrupt or flood the Website with information causing the Website to malfunction, nor shall You take any actions that may affect the functioning of the Website in any way, for example, releasing or propagating viruses, worms, logic bombs or any similar actions. Any multiple submissions or "spam" are strictly prohibited. You must not interfere or tamper with, remove or otherwise alter in any way any information available on the Website.

9.8 You shall use the Website for personal entertainment only and You are not allowed to reproduce the Website or any of its parts in any form whatsoever without first obtaining Our express consent.

9.9 You must not attempt to gain unauthorized access to the Website, the servers where the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or any similar type of attack. In case when this provision is breached, We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing Your identity to them. In the event of such breach,Your right to use the Website will cease immediately.

9.10 We will not be liable for any loss or damage caused by a denial-of-service attack, viruses or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material that You suffer as a result of using the Website or downloading any material posted on the Website, or on any website linked to the Website.

9.11 It is prohibited to sell or transfer Player Accounts and/or any rights to Player Accounts (including proprietary rights) to third parties (including other Players) or to deliberately lose chips or Games in order to transfer chips to another Player. An intentional loss of the Game or a chip occurs when You lose a hand or a game in order to transfer money to another Player.

9.12 Masking IP or location is not allowed and We reserve the right to close any Player Accounts and void any bets, bonus and winnings if the Player Account was created or used through the use of IP or geolocation masking technologies including but not limited to VPN and Proxy Servers.

9.13 You agree that you shall not, and shall not permit any third party to:

9.13.1 reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of any software associated with the Games, Our software, the software of our Licensors, the Website, or the Service;

9.13.2 modify, remove, or obscure any proprietary notices, trademarks, or copyright notices placed on the Website, the Games, Our software, or the software of Our Licensors;

9.13.3 copy, reproduce, distribute, or otherwise exploit the Games, Our software, the software of Our Licensors, the Website, or Our Service, in whole or in part, by any means or for any purpose whatsoever, except as expressly permitted by Us in writing;

9.13.4 use Our software, Our Service, Games, the software of Our Licensors, or any part of the Website other than as integrated with the Website and solely for the purpose of playing the Games;

9.13.5 engage in any act or omission that may damage, impair, or otherwise adversely affect Our name, image, reputation, goodwill, or that of our Game Providers or any of our Licensors.

9.14 You agree that, both during the term of this Agreement and for a period of one (1) year following its termination or expiration, You will not make, publish, or distribute any statements, whether written or oral, that are false, negative, or disparaging regarding TwoCards, its business, employees, directors, shareholders, contractors, services, or reputation. This includes, but is not limited to, statements that contain defamatory content, factually false claims that cause harm, or misleading or deceptive information. You further agree not to disclose any confidential or proprietary information related to TwoCards or its affiliates. Additionally, You shall not engage in any form of communication that is harassing, abusive, obscene, or discriminatory in nature, nor shall You make statements that are unlawful or unrelated to TwoCards’s services, or business operations. Any breach of this provision may result in legal action, including injunctive relief, monetary damages, and any other remedies available under applicable laws. TwoCards reserves the right to take all necessary measures to protect its interests and reputation.

10. Anti-fraud Policy

10.1. The Company has a strict anti-fraud policy and utilizes various anti-fraud tools and techniques. If the Player is suspected of fraudulent actions including, but not limited to:

participating in any type of collusion with other players,

development of strategies aimed at gaining of unfair winnings,

fraudulent actions against online payment providers,

chargeback transactions with a credit card or denial of some payments made,

creating two or more accounts,

other types of cheating,

or becomes a bankrupt in the country of their residence;

the Company reserves the right to terminate such a Player Account and suspend all payouts to the Player. This decision is at the sole discretion of the Company and the Player will not be notified or informed about the reasons for such actions. The Company also reserves the right to inform applicable regulatory bodies of the fraudulent actions performed by the Player.

10.2. The Company has a zero-tolerance policy toward any form of advantage play, bonus abuse, or fraudulent activity. Any Player who attempts to gain an unfair advantage from welcome offers, bonuses, or other promotional campaigns agrees that the Company reserves the absolute right, at its sole discretion, to void any bonuses, cancel related winnings, and/or permanently close the Player Account.

Such activities include, but are not limited to:

the use of stolen or unauthorized payment methods;

initiating chargebacks or payment disputes;

creating or using multiple accounts to claim bonuses or promotions more than once;

providing false, misleading, or incomplete registration or verification data;

collusion with other Players or third parties;

exploiting software, technical, or system errors (including latency or malfunction of odds or game results);

use of VPNs, proxies, or any technology designed to disguise the Player’s location or identity;

participation in betting patterns or strategies intended to minimize risk and unfairly meet wagering requirements;

or any other action, behavior, or pattern that the Company reasonably determines to be abusive, manipulative, or damaging to its business interests.

In all such cases, the Company reserves the right to:

forfeit and/or withhold any funds, winnings, or bonuses obtained through such activities;

cancel pending withdrawals;

terminate the Player Account;

and report the activity to relevant authorities, payment processors, or other operators.

The Company’s determination of what constitutes advantage play or abuse shall be final and not subject to appeal.

10.3. The Company reserves the right to close your Player Account and to refund to You the amount on your Player Account balance, subject to deduction of relevant withdrawal charges, at the Company’s absolute discretion and without any obligation to state a reason or give prior notice.

10.4 In certain cases, it may be necessary to verify the Player’s Account in accordance with the Company’s internal procedures and applicable regulatory requirements. For this purpose, the Company’s management may request the Player to provide identification and verification documents (such as an identity document, proof of address, or payment method confirmation) in Latin, Greek, or Cyrillic alphabet. If the Player is unable to provide documents in one of the above-mentioned alphabets, the Company may request a video verification during which the Player is asked to display the original documents and confirm their authenticity. All verification procedures are conducted securely and confidentially, and the information provided by the Player is used solely for identification and compliance purposes, in accordance with the Company’s Privacy Policy and applicable data protection laws.

10.5. The Casino reserves the right to retain payments, if suspicion or evidence exists of manipulation of Our system. Fraudulent actions, including chargebacks, may lead to penalties, loss of winnings, withheld payments, and possible termination of the Player Account. Payments may be suspended until investigations are concluded, and users are responsible for any damages caused by fraudulent activities. Criminal charges will be brought against any Player or any other person(s) who has/have manipulated Our system or attempted to do so. The Casino reserves the right to terminate and/or change any Games or events being offered on the Website.

10.6. Should You become aware of any possible errors, incompleteness or any other kind of vulnerability in the software, You agree to refrain from taking advantage of them. Moreover, You agree to report to the Casino any error, incompleteness or vulnerability in the software immediately. Should You fail to fulfil such obligations, the Casino has a right to full compensation for all costs related to the error, incompleteness or vulnerability in the software, including any costs incurred in association with the respective error/incompleteness/vulnerability and the failed notification.

10.6. Should you become aware of any possible errors or incompleteness in the software, You agree to refrain from taking advantage of them. Moreover, You agree to report to the Company any error or incompleteness immediately. Should You fail to fulfill such obligations, the Company has a right to full compensation for all costs related to the error or incompleteness, including any costs incurred in association with the respective error/incompleteness and the failed notification.

10.7. Please mind that if you have requested a withdrawal, but the amount of bets made after your last deposit is not three (3) times higher than the amount of all unspent deposits, the Company reserves the right to charge the transaction costs incurred concerning processing deposits and withdrawals. Regarding these conditions, 15% of the requested amount will be charged while withdrawing. This decision is at the Company’s sole discretion. The Company is not obliged to disclose the detailed reasoning behind its decision if doing so would compromise internal security, regulatory, or fraud-prevention procedures. All decisions of the Company in this regard shall be final and not subject to appeal.

10.8. The Company is not a financial institution and thus should not be treated as such. Your Player Account will not bear any interest and no conversion or exchange services (including fiat-crypto exchange) will be offered at any time.

10.9. The Casino reserves the right to terminate and/or change any Games or events being offered on the Website.

10.10. We process the Personal Information we collect from You in order to deliver our services. Complying with legal responsibilities, including complying with anti-money laundering (AML) and combating the financing of terrorism (CFT) laws.

10.11. The Casino reserves the right to require that all withdrawals be made only to the same payment account or wallet from which the corresponding deposit was originally made, in accordance with the Company’s anti-money laundering (AML) and counter-terrorist financing (CTF) obligations. This measure is designed to ensure that all transactions are processed securely and funds are returned to their lawful source. In the event of any suspicion of AML/CTF violations, fraudulent activity, or use of third-party payment methods, the Casino reserves the right to require the Player to complete KYC (Know Your Customer) verification at any stage of interaction, including prior to deposit approval, during gameplay, or before processing a withdrawal. Such verification may include the submission of identification documents, proof of address, ownership confirmation of the used payment method, or participation in a video verification process, as reasonably required. Failure to successfully complete KYC verification may result in temporary suspension or termination of the Player’s Account and withholding of funds in accordance with applicable laws and regulations. All verification procedures are conducted securely, confidentially, and in compliance with relevant data protection laws, and the requirement to complete such procedures is mandatory for all users of the Casino platform.

10.12. Know your Customer (“KYC”) TwoCards reserves the right, at any time, to ask for any KYC documentation if it is necessary. TwoCards reserves the right to restrict the Service, deposit, or withdrawal until identity is sufficiently determined, or for any other reason in TwoCards Risk Department discretion. TwoCards defined 7 days’ first response as eligible during the KYC procedure. The full procedure should be done in no more than 30 days after the first response from TwoCards. In case of fraud suspicion and if the Player declines the requested information from the Risk department or the eligible timeline will pass, TwoCards reserves the right to close the access for the Player's account permanently.

10.13. KYC Procedures may include any of the following:

requesting personal information about the Player in order to identify him/her, which may include requesting a valid identification document and a selfie;

verifying the Personal Information provided by the Player in the moment of registration and during use of the Service; requesting the information and documents about the Player’s occupation, source of funds and source of income used by the Player in the Services;

requesting Personal Information about the Player and about the location and jurisdiction from which the Player uses the Services in order to that he/she confirmed that he/she not use our services while located in any jurisdiction that prohibits the placing and/or accepting of bets online and/or playing casino and/or live games and/or restricted country;

checking the personal and professional information about the Player; checking and analyzing the gambling activity pattern of the Player;

any other information which Player deems necessary to determine the identity and location of a Player.

10.14. All information and documents that TwoCards receives from the Player are strictly confidential. TwoCards takes all measures within its power to securely store such information and prevent its leakage. When we receive your information and documents, we will take reasonable steps to protect your Personal Information from misuse, loss, and unauthorized access, modification, and disclosure including by using password protected systems and databases, and as well as using cryptographic encryption. You can request the deletion of your personal data addressed to our support team.

10.15. All information processed by Us may be transferred, processed, and stored anywhere in the world, including but not limited to other countries, which may have data protection laws that are different from the laws where You live. We endeavor to safeguard Your information consistent with the requirements of applicable laws. We store the Personal Information for as long as you Use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce Our agreements, and comply with applicable laws. We will destroy or permanently de-identify the Personal Information we hold when it is no longer required for any purpose including our legal or operational obligations.

10.16. We will seek criminal and contractual sanctions against any Player involved in fraud, dishonesty, or criminal acts. We will withhold payment to any Player where any of these are suspected. The Player shall identify and shall be liable to pay to Us on demand all costs, charges, or losses sustained or incurred by Us (including any direct, indirect, or consequential losses, loss of profit, loss of business, and loss of reputation) arising directly or indirectly from the Player’s fraud, dishonesty or criminal act.

11. Depositing

11.1 The Website offers a variety of payment methods. They include VISA and MasterCard credit and debit cards, as well as various alternative payment methods. Contact Our Support team at support@twocards.com to inquire about the payment methods that are most favorable for Your country of residence.

11.2 Depending on the method selected, deposits can incur charges from Your bank side, independently for bank wire transfers and/or other methods of payment. You are solely responsible for Your own bank charges that You may incur due to depositing funds with Us.

11.3 Using third-party payments is prohibited. You must make deposits only from a bank account, bank cards, or other payment methods that are registered in Your own name. If We determine during the security checks that You have violated this condition, Your winnings will be confiscated. The Company is not responsible for the lost funds deposited from third-party accounts.

11.4 Please note that the minimal amount of deposit is 20 EUR/30 CAD/20 USD or its equivalent in other currencies in accordance with Xe.com (depends on Your region). The minimal amount may differ in different payment methods it will appears when choosing the payment method. The maximum amount of deposit depends on the payment method You decide to use and will appear when choosing the payment method.

11.5 You agree that You are fully responsible for paying all monies owed to Us. You must make all payments to Us in good faith and not attempt to reverse a payment made or take any action which will cause such payment to be reversed by a third party in order to avoid a liability legitimately incurred. You will reimburse Us for any charge-backs, denial or reversal of payment You make and any loss suffered by Us as a consequence thereof. We reserve the right to also impose an administration fee of €50, or currency equivalent per charge-back, denial or reversal of payment You make.

11.6 We reserve the right to use third party electronic payment processors and or merchant banks to process payments made by You and You agree to be bound by their terms and conditions providing they are made aware of You and those terms do not conflict with these Terms and Conditions. If You deposit funds by either a credit card or a debit card, Your Player Account will only be credited if We receive an approval and authorisation code from the payment issuing institution. If Your card issuer gives no such authorisation, Your Player Account will not be credited with those funds.

11.7 You agree to fully pay any and all payments and charges due to Us or to payment providers in connection with Your use of the Service. You further agree not to make any charge-backs or renounce or cancel or otherwise reverse any of Your deposits, and in any such event You will refund and compensate Us for such unpaid deposits including any expenses incurred by Us in the process of collecting Your deposit, and You agree that any winnings from wagers utilising those charged back funds will be forfeited. You acknowledge and agree that Your Player Account is not a bank account and is therefore not guaranteed, insured or otherwise protected by any deposit or banking insurance system or by any other similar insurance system of any other jurisdiction, including but not limited to Your local jurisdiction. Furthermore, the Player Account does not bear interest on any of the funds held in it.

11.8 All transactions made on Our Website might be checked to prevent money laundering or terrorism financing activity. Suspicious transactions will be reported to the relevant authority.

11.9 If You deposit using Your credit card, it is recommended that You retain a copy of transaction records and a copy of the General Terms and Conditions.

11.10 Internet Gambling may be illegal in the jurisdiction in which You are located; if so, You are not authorized to use Your payment card to deposit on the Website. It is Your responsibility to know the laws concerning online gambling in Your country of domicile.

11.11 The Player shall under no circumstances place a bet or attempt to place any bet the amount of which, calculated together with any other bets then outstanding, exceeds the Player’s available credit balance with TwoCards, being the net amount on deposit with TwoCards (after all adjustments in respect of taxes, winnings and losses up to the time of placing of the bet). It shall be the Player’s responsibility before placing a bet to determine whether the Player’s available credit balance will be exceeded by placing a bet.

11.12 If, owing to a system malfunction or for any other reason, TwoCards accepts a bet in the circumstances referred to above, it shall be entitled at its election either prior to, during or after the outcome of the event or contingency upon which the bet was placed, to honour the bet or to refund the Player’s stake in respect of the bet without regard to any winnings thereon. Alternatively, TwoCards may restrict the size of any stake without notification to the Player, to ensure that the available credit balance is not exceeded.

11.13 Acceptance by TwoCards of a bet over the available credit balance shall not constitute a waiver of its rights –

to collect from the Player all amounts (including losses) arising from any such bet, or

to enforce the appropriate limits at any later time.

11.14 TwoCards shall debit the Player’s betting Player Account in respect of bets accepted by TwoCards on an ongoing basis.

11.15 The Customer shall be entitled to replenish any deposit referred to above at any time.

11.16 No interest shall accrue in respect of any monies held in a betting account.

11.17 No credit may be offered by TwoCards to any Player.

11.18 The internal operating currency of the Website is Euro. Due to this fact, in case You transact in other currencies, the amount deducted from Your credit card may be insignificantly higher than displayed at the time of transaction due to currency conversions on the side of Your bank and/or the Casino's payment processing system.

12. Withdrawal Policy

12.1. The minimal amount for withdrawal is €20 or an equivalent. The maximum amount for withdrawal depends on the payment method You use. If the requested amount exceeds the limit of a particular payment system, the amount will be withdrawn in installments.

12.2 The Company has a maximum withdrawal amount limitations of:

4,000 EUR or equivalent per day; with the casino day starting at 00:00 and ending at 23:59 UTC (Coordinated Universal Time).

10,000 EUR or equivalent per week; starting from the first successful payment sent to You during this week;

30,000 EUR or equivalent per month; starting from the first calendar day of the month;

12.3 The above limitation is present at all times unless specified in the Terms and Conditions of a specific promotion. Withdrawal amount limitations might be also changed for the Players with a higher VIP level at the Company's sole discretion, of which Players will be informed beforehand.

12.4 If Your Player Account has a winning balance subject to withdrawal more than 30,000 EUR or equivalents the Company reserves the right to divide the payout into monthly installments of a maximum of 30,000 EUR until the full amount has been successfully paid out. All progressive jackpot winnings are subject to full payment.

12.5 The Company is not a financial institution and must not be treated as such. Your Player Account will not bear any interest and no funds conversion or exchange services will be offered to You at any time.

12.6 The maximum profit You can earn from all Casino Games, excluding progressive jackpot wins, within a 24-hour period is capped at five hundred thousand (500 000) EUR (or the same numerical amount in your local currency). If Your profits exceed these amounts within any twenty-four hour period, any additional bets or wagers placed during that time will be considered void, and the amounts wagered will be returned to You. If any bet or wager causes Your profits to exceed the specified limit within the twenty-four hour period, You will be entitled to receive payment only up to one hundred thousand EUR if You are a VIP user. Any profits beyond these limits may not be paid out at our discretion.

12.7. The Company reserves the right to check Your identity prior to processing payouts and to hold any refunds or withdrawals. In case You provide false Personal Data or refuse to provide Us with the required documents, the withdrawal can be refused and the Player Account terminated, of which You will be informed by email.

12.8. Bonus hunting, bonus abuse, or any activity intended to improperly benefit from promotional offers is strictly prohibited, including during the withdrawal approval process. Withdrawal requests shall only be reviewed and processed once You have fully complied with all applicable Bonus Policy, as determined by the Company.

12.9. The Company reserves the right at its sole discretion to require You to undergo full KYC verification and/or enhanced due diligence (EDD) verification prior to processing any withdrawal request where there are suspicions of fraud, money laundering, misuse of the account, identity inconsistencies, chargeback risk, breach of the Terms, or any compliance, security, regulatory, or payment-system-related concerns. In such cases, the Company may suspend, delay, or refuse to process the withdrawal until the required verification has been completed to the Company’s reasonable satisfaction, including the submission of all requested documents, information, and explanations. The Company shall not be liable for any delays, losses, or consequences arising from the suspension of withdrawals due to Your failure to complete the requested verification or provide accurate and complete information. Failure or refusal to complete the requested verification may result in continued suspension of withdrawals, account restrictions, or termination of the account, in accordance with the Terms.

12.10. The Company reserves the right not to process withdrawals in the case of fraudulent and illegal activities (including participation that would be in breach of the law in Your local jurisdiction).

12.11. Our administration team may choose to verify Your identity during withdrawal.

12.12. If the total amount of money You have withdrawn from Your Player account is more than €2500, You are obliged to verify Your identity.

12.13. The documents You will need in order to verify Your Player account will vary and are dependent on the situation.

12.14. The Website supports payouts via Original Credit Transfer (OCT) from Visa and via Payment Transfer from Mastercard. Additional requirements are that the respective credit card is not a corporate credit card and the card is issued in a supported country.

12.15. Please note that even for supported countries the Company is not able to guarantee successful credit card payment processing in all cases, since banks issuing credit cards may block or reject such transactions at their own discretion.

12.16. The internal operating currency of the Website is Euro. Due to this fact, in case You transact in other currencies, the amount deducted from Your credit card may be insignificantly higher than displayed at the time of transaction due to currency conversions on the side of Your bank and/or the Company’s payment processing system.

12.17. All Bank Transfer payouts are processed within three (3) banking days. Please note that You will not be able to request a Bank Transfer for USD payouts.

12.18. You acknowledge that withdrawals via bank transfers can in exceptional cases be subject to additional charges by the intermediary banks. These charges remain outside the influence of The Company and are specified by the payment provider.

12.19. Our payment team reserves the right to request to split Your withdrawal into several transactions due to the first withdrawal limitation of some payment methods.

12.20. The Company sets the following limits:

Minimum withdrawal: 20 EUR per transaction

Maximum withdrawal: 2,000 EUR per transaction

Maximum daily withdrawal: 5,000 EUR per day (casino day: 00:00 – 23:59 UTC)

Maximum weekly withdrawal: 15,000 EUR per week (starting from the first successful payment sent during the week)

Maximum monthly withdrawal: 50,000 EUR per month (starting from the first calendar day of the month)

12.21. If you win more than €15,000, the Company reserves the right to divide the payout into monthly installments until the full amount is paid out.

12.22. All progressive jackpot wins will be paid in full.

12.23. All cash out requests can be processed for up to 72 hours.

13. Monitoring of Betting Account Activity

13.1 TwoCards is both entitled and legally obliged to monitor all betting account activity for irregular or unlawful activity and suspicious or unusual betting account management. Any such activity may result in the immediate termination of a Player’s Account.

13.2 TwoCards may withhold the payment of winnings and/or declare bets on an event void and/or immediately terminate a Player’s Account if there is evidence of Prohibited Activity and/or being evidence:

of the misuse or abuse by the Player or any person acting in concert with or on behalf of the Player, of bugs, glitches, or errors of the Services.

of the use by the Player, or any person acting in concert with or on behalf of the Player, of bots or any other form of artificial intelligence.

that the Player or any person acting in concert with or on behalf of the Player, has hacked, attacked, or abused the Services or any servers, software, or other components of the Services.

that the Player or any person acting in concert with or on behalf of the Player, has used VPNs or other software to circumvent any geographic limitations applicable to the Services.

that the Player has participated in, aided, or facilitated criminal, fraudulent and/or illegal activity of any kind.

that the integrity of the event on which betting has been struck is called into question.

that the odds or prices in respect of an event of which betting has been struck have been improperly manipulated.

that match-rigging, collusion, match-fixing, cheating or other unethical activity has taken place, and/or

that the Player is prohibited from engaging in betting by any term of his/her employment contract, any law, or any rule of a sporting governing body applicable to the Player.

14. Refund Policy

14.1. A refund request will only be considered if it is requested within the first twenty-four (24) hours of the alleged transaction, or within thirty (30) calendar days if a Player alleges that another individual has accessed his/her Player Account.

14.2. If You have funded Your Player Account with a Credit Card We reserve the right to pay all withdrawal requests up to the total amount deposited as refunds against the purchases You have made. If Your withdrawals exceed the total amount deposited, any excess amount will be paid to You via one of our alternative methods available.

14.3. Before a refund is processed all bonuses and winnings in Your balance will be deducted prior to calculating the amount to be refunded.

14.4. In case any Credit Card purchases are considered to carry an unacceptable risk for security or legal reasons either by our Payment processors or by the Company, we will initiate refunds for all such transactions back to the Сredit Сard, and notify all the appropriate authorities and parties.

14.5. All costs that may occur upon refund procedure are on the Player.

13. Dormant Accounts

13.1. An inactive (dormant) account is a Player Account that a Player has not logged into or logged out of for six (6) consecutive months. If your Player Account is deemed to be inactive, the Company reserves the right to charge a monthly administrative fee of €10 or the equivalent in another currency (or the current balance of your account, if less) as long as the balance of Your Player Account remains positive.

13.2. You authorize the Company to debit this fee from Your Player Account at the beginning of the month following the day on which Your Player Account is deemed inactive, and at the beginning of every subsequent month that Your Player Account remains inactive. The Company will stop deducting the fee if the Player Account balance is zero or if the Player Account is re-activated.

13.3. Company reserves the right to close Your Player Account and terminate the terms and conditions unilaterally if the Player has not completed verification within 90 days Company has the right to debit the remaining funds from the Player Account in its favor.

14. Complaints

14.1 If you have any complaints regarding our Services, you must contact our Support Team at support@twocards.com. All communication must be conducted using the email address registered with your Player Account. Only the registered account holder may submit a complaint. It is strictly prohibited to assign, transfer, or sell Your complaint to any third party. Any complaints received from non-account holders will be dismissed.

14.2 NOTWITHSTANDING THE FOREGOING, WE TAKE NO LIABILITY WHATSOEVER TO YOU OR TO ANY THIRD PARTY WHEN RESPONDING TO ANY COMPLAINT THAT WE RECEIVED OR TOOK ACTION IN CONNECTION THEREWITH.

14.3 Complaints are initially handled by our Customer Support Team. If the issue is not resolved at that level, it will be escalated internally to the relevant department or a Customer Support Manager. You will be informed of the progress of Your complaint within a reasonable timeframe. The Company will make every reasonable effort to assist in reaching a fair and timely resolution. All such discussions will be conducted privately and not made public.

14.4 If no resolution is reached, the Company may, at its sole discretion, refer the dispute to arbitration. Arbitration proceedings will not begin until either:

The Customer Support Managers jointly conclude that further negotiation is unlikely to result in resolution, or

Thirty (30) calendar days have passed since the escalation.

14.5 Any claims or disputes must be submitted within fourteen (14) calendar days from the date of the transaction or event giving rise to the claim. Claims submitted outside of this timeframe will not be considered. All claims or disputes must be raised through our customer support team by email at support@twocards.com.

14.6 When We wish to contact You regarding such a dispute, We will do so by using any of the contact details provided in Your Player Account.

14.7 Disputes on FIAT-related transactions. Any issues, disputes, or discrepancies arising from FIAT currency transactions conducted on our Website must be formally reported to TwoCards within thirty (30) calendar days from the date of the transaction(s) in question.

14.8 Issues or disputes submitted after this 30-day period will not be accepted for resolution. Such transactions will be deemed final and ineligible for further review or assistance from the Company.

14.8 Attempts to bypass this requirement by publicly posting complaints relating to FIAT transactions—whether online or offline, on forums, social media platforms, or any other public domain—will not override or alter this rule in any way.

14.9 The Company will not entertain or investigate any fiat transaction-related issues submitted beyond the stipulated timeframe. There shall be no exceptions to this rule.

14.10 No Class Action. You agree, without the ability to revoke, to forgo any rights You may have to join or be a part of a class action, in any lawsuit, arbitration, or other legal proceeding against Us, arising from or relating to these Terms and Conditions or any Service provided.

15. Non-transferability

15.1 You can not assign, pledge or transfer ownership under any title whatsoever to claims arising from these Terms and Conditions, the use of the Website or participation in the Games against the Casino without consent of the Casino. This prohibition includes the transfer of any assets of value of any kind, including but not limited to ownership of Player Account, winnings, deposits, bets, rights and/or claims in connection with these assets, legal, commercial, or otherwise. The prohibition on said transfers also includes however is not limited to the encumbrance, pledging, assigning, usufruct, trading, brokering, hypothecation and/or gifting in cooperation with a fiduciary or any other third party, company, natural or legal individual, entity in any way shape or form.

16. Assignment

16.1 Neither these Terms and Conditions nor any of the rights or obligations hereunder may be assigned by You without the prior written consent of Us, which consent will not be unreasonably withheld. We may, without Your consent, assign all or any portion of Our rights and obligations hereunder to any third party provided such third party is able to provide a service of substantially similar quality to the Service by posting written notice to this effect on the Service.

17. Governing Law

17.1 The law governs these Terms and Conditions in force in the state of Costa Rica. You unconditionally and irrevocably submit the exclusive (sole) right of the courts of the state of Costa Rica jurisdiction to settle any dispute resolutions (including claims for compensation and counterclaims), that may arise because of the creation, validity, effect, interpretation or action, or legal relations established by the Terms and Conditions or in any other manner arising from the Terms and Conditions. You irrevocably waive any right that it may have to object to an action being brought in those courts, or to claim that the action has been brought in an inconvenient forum, or that those courts do not have jurisdiction. Nothing in this clause shall limit the right of Our Company to take proceedings against You in any other court of competent jurisdiction, nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any other jurisdictions, whether concurrently or not, to the extent permitted by the law of such other jurisdiction.

17.2 In the event of a dispute, You acknowledge and agree that the records of the servers upon which the Services are run will be considered to be the final authority in determining the outcome of any claim/complaint.

18. Intellectual Property

18.1 Any unauthorised use of Our name and logo may result in legal action being taken against You.

18.2 As between Us and You, We are the sole owners of the rights in and to the Service, Our technology, software and business systems (the "Systems") as well as our Website must not use Your Player Account for Your own commercial gain.

18.3 You may not use Our URL, trademarks, trade names and/or trade dress, logos ("Marks") and/or Our Services in connection with any product or service that is not Ours, that in any manner is likely to cause confusion among Players or in the public or that in any manner disparages Us.

18.4 You acknowledge and agree that the Game Providers are the sole and exclusive owners of the Intellectual Property Rights relating to the Games.

18.5 Except as expressly provided in these Terms and Conditions, We and Our Licensors do not grant You any express or implied rights, license, title or interest in or to the Systems or the Marks and all such rights, license, title and interest specifically retained by Us and Our Licensors. You agree not to use any automatic or manual device to monitor or copy web pages or content within the Service. Any unauthorized use or reproduction may result in legal action being taken against You.

18.6 Subject to these General Terms and Conditions, and Your compliance with them, We grant to You a non-exclusive, limited, non transferable and non sub-licensable license to access and use the Service for Your personal non-commercial purposes only. Our license to You terminates if Our agreement with You under these General Terms and Conditions ends.

18.7 Save in respect of Your own content, You may not under any circumstances modify, publish, transmit, transfer, sell, reproduce, upload, post, distribute, perform, display, create derivative works from, or in any other manner exploit, the Service and/or any of the content thereon or the software contained therein, except as We expressly permit in these General Terms and Conditions or otherwise on the Website. No information or content on the Service or made available to You in connection with the Service may be modified or altered, merged with other data or published in any form including for example screen or database scraping and any other activity intended to collect, store, reorganise or manipulate such information or content.

18.8 Any non-compliance by You with this Clause may also be a violation of Our or third parties' intellectual property and other proprietary rights which may subject You to civil liability and/or criminal prosecution.

19. Severability

19.1 In the event that any provision of these Terms and Conditions is deemed by any competent authority to be unenforceable or invalid, the relevant provision shall be modified to allow it to be enforced in line with the intention of the original text to the fullest extent permitted by applicable law. The validity and enforceability of the remaining provisions of these Terms and Conditions shall not be affected.

20. Self-Exclusion

20.1 If You feel You have a gambling issue and You want to take immediate steps, We offer the option to exclude Yourself from Your own Player Account for a period of Your choice. Simply contact Our Support team or send Us an email to support@twocards.com from Your registered email address.

20.2 If You want to close Your Player Account for a different time frame or for an indefinite time, please contact Our customer support team from Your registered email address, clearly stating ‘self-exclusion’ and mention the applicable period for which You wish to be excluded.

20.3 The Operator offers a self-restricting option which allows the Player to close a Player Account for a certain period of time: 24 hours, a week, a month, 6 months, a year. Player Account will be blocked only after it has been fully verified. A photo of Player’s ID/Passport must be attached to the application to self-restrict. If Player activates this feature he will be unable to gamble at the Website.

20.4 At times, We may place an Player Account on a short self-exclusion period if We believe it to be in the best interest of the Player. This will be communicated via email.

20.5 Your responsibilities:

You agree not to attempt to fund or place bets on your Player Account during the period of self-exclusion.

You agree not to open any new Player Accounts during the self-exclusion period.

While the Casino will take reasonable steps to prevent You from engaging in gambling on Our Website, it is Your responsibility to comply with the terms of the self-exclusion.

20.6 If You breach Your self-exclusion responsibilities, the Company will not be liable for any damages You may suffer. Any losses incurred during the period of Your self-exclusion will not be reimbursed.

20.7 We would also appreciate any kind of feedback regarding the reason for closing, especially if there is something We could have done better.

21. Player Data

21.1. The Player agrees that personal data provided to the Company is stored and used with automatic means, during pari-mutuel betting, in multiplayer poker, casino games and lottery-type games, as well as in any other game on the Website.

22.2. The Company collects and stores personal data of Players for the purpose of:

providing services and support to the Players;

personal identification and safety provision for the Players’ accounts in the Company’s system;

online processing of financial and other transactions.

22.3. Personal data is collected and stored but it is not for sale. However, it can be used for the distribution of promotional materials and informing the Players about new products and features of the Company or its partners. By agreeing to these rules, the Player agrees to the use of their personal data for the above-mentioned purposes by the Company.

22.4. The Players have a right to withdraw consent. In cases where we rely on your consent for the processing of personal data, you have a right to withdraw your consent at any time.

22.5. For more information, please see the Privacy Policy.