TERMS AND CONDITIONS
(Version 1.01 Date: 17.02.2016)
Vera&John is a brand operated by Dumarca Gaming Ltd, hereinafter referred to as ‘Dumarca’, is a company registered on the 15 October 2010 under the laws of Malta having Registration number: C 50898 and registered office at Level 3, 2 St. Pius V. Street, Sliema, SLM1426, Malta.
Dumarca is authorised and regulated by
a. the Malta Gaming Authority (MGA), a regulatory body, under Licence numbers MGA/CL1/552/2009, issued on 5th December 2010, MGA/CL1/1008/2014, MGA/CL1/1006/2014, MGA/CL1/1005/2014, and MGA/CL1/1007/2014, all issued on 10th October 2014 under The Remote Gaming Regulations (LN176/2004).
b. UK Gambling Commission, Great Britain, a regulatory body, under which it holds an Operator’s Licence no. and a remote gambling Software licence number 000-039408-R-319364-006 issued on 29th October, 2014.
Vera&John also offers products from additional suppliers that are not licensed or regulated by the Malta Gaming Authority or the UK Gambling Commission. These additional products are offered by Plain Support S.A and Dumarca Gaming Limited from outside of Malta. Regardless of product, all deposits and withdrawals are made with Dumarca and Plain Support only acts as software provider and has no responsibility towards the players for the management of funds.
This agreement establishes the Terms and Conditions which constitute a binding contractual relationship between Dumarca and the registering player, hereinafter referred to as ‘User’. Upon registration for an account, the user must confirm his agreement with the Terms and Conditions and such Terms and Conditions shall remain in force for as long as the registered account remains active.
These Terms and Conditions are applicable to the Dumarca Casino (hereinafter referred to as ‘Casino’) games provided through the website www.verajohn.com
The Terms and Conditions are categorised for ease of reference and understanding. It is important that the User acquaints himself with these Terms and Conditions prior to registering for an account.
Dumarca reserves the right to modify these T&C and to amend this agreement between the User and Dumarca at any time. Dumarca will notify players of any modifications to these T&C’s the next time the player logs in to their account. The player must accept the revised T&C’s to continue playing at verajohn.com. If the player does not accept the modified T&C’s they may close their account and withdraw their available balance. The continued use of the website shall be deemed to be an acceptance of the effected changes. It is the User’s sole responsibility to review this Agreement, together with the specific Rules for each Game the User chooses to participate in, in order to remain updated with all amendments each time the User plays. The User can easily identify whether these T&C have changed by referring to the Version number and the date of the current T&C stated on this page. Without prejudice to the foregoing, the company shall however pre-notify the User prior to a substantial amendment being made to the terms and conditions and in any such case the User shall receive a summary of any change carried out.
Upon registration, User authorises Dumarca, including all its employees and partners, to use personal data relating to the User in pursuance of the existing relationship, and also authorises any third party connected with the provision of games and related services to receive such data.
Dumarca will not disclose User’s personal information to third parties unless such disclosure:
• is required for the processing of User’s requests;
• is a duty and /or legal obligation of the company;
• is required to enforce/apply the Terms and Conditions and other agreements;
• is required to adequately protect Dumarca’s rights or property, including via the exchange of information with other companies and organisations for the purposes of information verification, fraud protection and credit risk reduction. Personal information may also be disclosed to a credit reference agency, which may keep a record of the information.
• User hereby consents to all abovementioned disclosures.
This document is published in a number of languages for information purposes and ease of access. It is only the English version that is the legal basis of the relationship between User and Dumarca and in case of any discrepancy between a non-English version and the English version of this document, the English version shall prevail.
Dumarca shall not be responsible for any consequences resulting from major incidents such as any strike, terrorist activities, political crisis, war, natural catastrophe and saturation of the telecommunication networks, which could lead to a total or partial access reduction to its services through the web.
Dumarca will at all times make every effort to provide a service of satisfactory quality, fitness for purpose and completeness. If for any reason the player becomes dissatisfied with any of the services provided by Dumarca or for the accuracy of the Service or the Software the player may contact Dumarca immediately and notify of us of the issue as per section 5 of these T&C’s. The Player is always entitled to close his account at any time and withdraw available funds on account.
Dumarca cannot guarantee that the service will never suffer from faults; however we commit ourselves in rectifying the problem as soon as it has been reported or as soon as we possibly can. If User experience a fault in the service provided, please report to Dumarca immediately.
Dumarca reserves the right to temporally suspend the entire or part of the service at its own discretion and without obligation of giving prior notice to the Users. Dumarca will not be liable for any loss the User may incur as a result of such suspension or delay in service. Nonetheless, Dumarca endeavours to pre-notify suspensions and restoring the service as soon as reasonably possible.
Any significant win made on the Casino may be advertised on the Dumarca Website.
Dumarca reserves the right to use any winner’s username, first name, first initial of surname, and country to advertise the event.
The opening of an account requires the registration by the User personally. User must be of legal age (18 years). Should any underage account owner be discovered at any point during the lifetime of the account, the account will immediately be closed indefinitely and all funds deposited will be returned to the minor less winnings paid out. Users who are resident of Malaysia, China, Hong Kong or the U.S are not allowed to open an account.
User must submit the correct information during registration and should correctly state his name, address, contact email or personal telephone number. User also agrees to update his information should there be any changes to the registration data. User must give valid identification, address and contact email.
Dumarca reserves the right to close User’s account if false particulars were provided during registration and, if such breach becomes evident after a wager is won, Dumarca reserves the right to refuse User payment of any winnings.
To verify the veracity of the particulars provided, Dumarca shall be entitled to make use of any legal resources providing identity verification service.
Upon registration a user might be requested to provide additional proof of identity by means of documents such as, but not limited to, National Identity Card, Passport or Driving Licence.
Failure to produce such documents may result in the temporarily suspension of the user account by Dumarca till the requested documents are provided and validated
2.7 User agrees to abide by these “Terms and Conditions” at all times, and:
• not to be acting in the interests of any third party;
• not to utilise monies obtained from ill-gotten means;
• not to credit accounts with bank/credit card/s User is not authorised to use;
• not to try to hack the Dumarca Website or to alter its code in any way;
• not to adopt any criminal behaviour against Dumarca, its affiliates, and its Users.
In the event that User breaches one or more of the rules as mentioned in 2.7 above, Dumarca reserves the right to close User’s account and withhold funds until a full investigation has been carried out. Any liabilities due may be withheld from the players’ available balance.
Dumarca will accept no liability whatsoever from third parties resulting from the provision of incorrect information by the User.
Users may only hold one account with Vera&John. Registered Users shall be prohibited from registering for new accounts using an e-mail address or name different from the one previously registered with Dumarca. Users having two or more accounts are obliged to inform Dumarca without delay. Dumarca reserves the right to close any or all User’s account(s) if the latter opens multiple accounts. Should Dumarca have grounds to believe that one or more accounts have been opened with the intention to defraud the company, Dumarca reserves the right to cancel any transaction/s related to such attempted/fraudulent conduct, confiscate any remaining balance/s and suspend any or all accounts.
Dumarca accepts stakes made in a number of different currencies. User must choose one currency as the default currency of the Your Account. Any payments received by Dumarca in a currency other than the one chosen by User will be converted into the currency chosen at the prevailing exchange rate. Please note that any exchange premiums are to be borne by User. No interest is paid on any funds, irrespective of the amount held in User’s account. Accordingly User should not in any way treat Dumarca as a financial institution.
Dumarca may, at its own discretion refuse to open an account without having to provide any justification or close an existing account honouring any contractual obligations already made unless otherwise specified in the Terms and Conditions.
User must keep login details, account identifier and password secret at all times.
Dumarca reserves the right to examine and confirm User’s identity.
If no transaction (inactive/dormant) has been recorded on User’s account for thirty months, Dumarca shall close User’s account and, should the account contain a real money balance, shall remit the balance of the account to the User, or if the User cannot be satisfactorily located, to the Malta Gaming Authority (“MGA”). Provided that no claim shall lie against Dumarca once the balance in a User’s account is remitted to the MGA.
If, after 12 months since last login, Dumarca is unable to contact User, Dumarca will charge a $5.00 per month administrative fee on the User’s account and shall use reasonable efforts to contact User.
User may contact support to recover any funds in User’s account.
User may contact Dumarca support on firstname.lastname@example.org requesting the termination of his account.
Only users located in the UK are to open an account with www.verajohn.co.uk Dumarca regularly screens its registrations for anomalies, and will immediately and indefinitely suspend any player accounts that play on our website outside of the UK. It is nevertheless the User’s responsibility to determine the legal status of internet gambling in User’s jurisdiction and act accordingly. The availability of the Dumarca Website in any particular jurisdiction does not constitute an offer or invitation by Dumarca to use the services offered by the Dumarca Website. Dumarca will accept no liability whatsoever with respect to actions by players where internet gambling is illegal and/or which is in violation of this article of the Terms and Conditions.
User’s Username must not infringe Dumarca’s trademark, company names or be abusive or offensive to other players.
Selling / transferring and/or acquiring of accounts to / from other Users is prohibited.
If Dumarca mistakenly credits the User’s Member Account with winnings that do not belong to the User, whether due to a technical or human error or otherwise, the amount will remain property of Dumarca and the amount will be transferred from the User’s Member Account. If prior to Dumarca becoming aware of the error the User has withdrawn the funds that do not belong to him, without prejudice to other remedies and actions that may be available at law, the mistakenly paid amount will constitute a debt owed by the User to Dumarca. In the event of an incorrect crediting, the User is obliged to notify Dumarca immediately by email.
3. Deposits, Transfers & Withdrawals
For all credit card and bank wire transactions, the full name on the credit card or the bank transfer must be identical to the full name on the Dumarca account receiving the funds. User shall only use credit cards and other financial instruments that are valid and lawfully belong to him. If this is not the case, the deposit will be rejected and the funds returned. Any charges levied by the banks/payment gateways will be deducted from the reversed amount.
We hold all customer funds separate from company funds in an accredited banking institution. Pursuant to Regulation 40(3) of the Remote Gaming Regulations (L.N. 176 of 2004), the banking institution declares that;
a) It will not attempt to enforce or execute, any charge, write-off, set-off or other claim against the afore mentioned account/s:
b) It will not combine the account/s with any other account in respect of any debt owed to it by the licensee:
This meets the UK Gambling Commission’s requirements for the segregation of customer funds and protection against insolvency at the level: medium protection. For more information refer to www.gamblingcommission.gov.uk/ consumers/protection_of_customer_funds.aspx
No interest is payable on account balances and no credit is permitted. It is your responsibility to maintain sufficient funds in your account, and to stake your funds accordingly. We reserve the right to void any stake which may be inadvertently placed or accepted if your account does not have sufficient funds to cover the whole of the stake.
As required by our anti-money laundering obligations we reserve the right to raise queries regarding the source of any funds placed on deposit. Dumarca may, acting reasonably, suspend or terminate any Account where the response to such query/queries is not in its view satisfactory and/or may pass on such information as it deems necessary to any relevant authority.
Dumarca Gaming reserves the right to carry out KYC checks on all first time depositors.
It is illegal for the User to deposit money obtained from ill-gotten means.
Withdrawal requests amounting to $2,000 or above are subject to enhanced ‘Know Your Client’ procedures. Funds deposited must be utilised for the placing of bets or for the stake on games at Dumarca. Any suspicious activity on User’s account could lead to User being reported to the relevant authorities, freezing of the funds and even the closure of the account.
Bonus funds may be credited to User’s account as part of a promotion, loyalty or other marketing campaign. These funds cannot be directly withdrawn/paid-out, but must be used for the placing of bets. Depending on the promotion, these credits may be convertible to real money funds after fulfilling a specific set of Terms and Conditions associated with the promotion. Specific Bonus & Promotional terms may apply.
In case User wishes to cancel a deposit and withdraw money before meeting the wagering requirements, it is important that the User does not gamble the bonus received. User is required to contact Dumarca’s customer services in order to remove the bonus and approve the withdrawal.
User may also refuse any Bonus thereby allowing himself to withdraw winnings at any time. User must, upon receiving a Bonus, contact Dumarca’s customer services in order to refuse the bonus and have this removed from User’s account.
User can request a withdrawal of the deposited amount without meeting the wagering requirement. Should User choose to do this, User can only withdraw the amount that he deposited which triggered the bonus under the terms that the entire bonus sum remains. For example: User deposits $20 and Dumarca offer you $20 as a deposit bonus. There is then $40 in User’s account. Before meeting the wagering requirements (which usually is 40 times the bonus amount) User’s wish to withdraw your deposited amount $20, Dumarca will then retract the bonus and any winnings before the withdrawal can be approved. If User has already gambled part of the total balance on the account, User can only request a withdrawal of the remaining amount after the bonus sum and any associated winnings have been returned to Vera&John. Dumarca reserves the right to refuse or void any bonus offered to any User for reasons including but not restricted to, abuse by the User. (Despite a deposit been associated with a bonus, customer is required to wager the deposit amount at least once. If you choose not to do this, you are required to follow T&C 3.18)
Any form of fraudulent activity will cause your account to be locked, whereby Dumarca will immediately void any winnings and bonuses, and deal with the account and its credits in line with regulations and guidelines of the regulatory body.
"Demo Play" does not qualify for any bonus offer.
Before any withdrawals are processed, your play will be reviewed for any irregular playing patterns. In the interest of fair gaming, Dumarca has a zero tolerance policy on bonus abuse, irregular play and fraudulent activity. Dumarca reserves the right to block bonuses from any User who Dumarca deems to be abusing our promotions. If fraudulent activity or abuse is suspected, Dumarca reserves the right to remove bonuses and associated winnings from the account and any associated accounts.
The determination of what constitutes irregular play and bonus abuse shall be at the sole discretion of Vera&John, but for clarity what will be considered evidence of bonus abuse shall include, but not be limited to, the following examples:
o Using more than one account
o Bonus stacking
o Two tier betting
o Multiple account strategy / proxy account strategy
o Using a VPN or masking IP address
o Affiliate CPA or revenue share abuse
o A pattern of betting using bonus money in which a significant proportion of single bets are more than $6.25 in slots or more than $25 in table games
o A pattern of betting for cashback in which a significant proportion of single bets are more than $6.25 in slots or more than $25 in table games
Funds cannot be transferred from User’s account to the account of another User or vice versa.
User can at any time log in to User’s account and view a statement of the account which would show all transactions affected, namely deposits, bonus credits, winnings, bets and withdrawals. Should User notice any mistakes user should immediately notify Dumarca via written or electronic notice so that the mistake can be rectified.
At any time, User can decide to withdraw part or all of the funds from User’s account. The first withdrawal can be requested after three (3) days of registration of the account.
In order to withdraw any amount of money from a player account, the full amount of the deposit must be wagered at least once. If the customer does not meet this condition, withdrawals will have a 30% processing fee applied to the requested amount.
Dumarca reserves the right to take time necessary for the purpose of:
• verifying User’s identity;
• verifying User’s gaming activity;
• conducting security and other internal procedures in relation to User’s account; and
• ensuring that the rules that are approved relating to the award of the prizes to Users have been complied with.
It is a precondition for the processing of withdrawals, which cumulatively exceed $2,000 that User provides Dumarca with a copy of User’s valid passport or official identity card (confirming identity and age) and a utility bill (confirming place of residence). In the case of deposits via credit and debit cards, User may be requested to submit a copy of the front and back of the used credit card showing only the first six and last four digits on the front, and hiding the CVV2 number from the back.
Dumarca additionally reserves to right to request the documents discussed in 2.5 above for any account holder who has requested a withdrawal of any amount below $2,000.
Withdrawals to credit / debit card are possible to Visa or Visa electron. Unfortunately MasterCard does not currently facilitate this functionality.
In line with the applicable laws, Dumarca will remit amounts only to the same account from where the funds paid into User’s account originated.
Credit / debit card payout requests are only be processed to the card(s) that have been used to deposit. Should User have more than one registered credit/ debit card, the payout will be processed to the credit/ debit card from which User deposited the most within the last 6 months, assuming payouts to this card are possible, e.g. in the case of MasterCard, to which payouts are not possible.
The minimum payout amount is $10. Dumarca reserves the right to restrict payouts to $5,000 per week. Upon requesting a withdrawal of winnings exceeding $100,000, Dumarca reserves the right to payout the requested amount incrementally over 10 consecutive months, with one payout each calendar month. Dumarca further reserves the right to impose fees on withdrawals. Further external banking processing fees may apply from time to time. For further information please see here.
Credit/ debit card transactions usually take between 3 to 5 working days.
The full credit/ debit card information is never stored by Dumarca and always transmitted in an encrypted way for User’s security.
Dumarca reserves the right to modify the credit card/ debit limits and/or refuse to process any withdrawals/ deposits.
4. Vera&John Rewards Program
Vera&John reserves the right to modify the terms and conditions of Vera&John’s Reward Program at any time and without prior notice. If Vera&John suspects that You are engaged in illegal or fraudulent activities when using the Vera&John Rewards Program or in breach with Vera&John's Terms and Conditions, Vera&John may freeze or terminate Your Member Account and/or a related account (e.g. a referred friend) at Vera&John's absolute discretion.
You will be automatically registered on the Rewards Program when you register an account on Vera&John.
To collect coins on the site, you must be logged into your account.
You will be awarded with coins for being active on Vera&John.
All necessary information regarding the number of coins earned and available to the player is visible on the player’s ‘My Account’ page.
The amount of coins awarded for specific activities are listed on the site.
Coins can be redeemed at the Vera&John shop only.
Coins cannot be transferred to other players.
Coin amount is recorded and updated in real-time.
Earned level of membership is effective and updated immediately.
To advance past Level 1 in the Rewards Program, a player is required to have made a monetary deposit. All level progression will be stopped on all levels until a player has made a monetary deposit.
Certain shop offers are only available to players who have reached a specific program level.
Vera&John reserves the right to permanently disable or suspend a player’s Reward Program in the event of fraud or attempted fraud by the player.
We reserve the right to confiscate your coins if you fail to use them.
5. Anti-money laundering
Dumarca complies with the Prevention of Money Laundering Act of Great Britain and relevant legislation.
Dumarca checks all transactions to prevent money laundering.
If User become aware of any suspicious activity relating to any of the Games User must report this to Dumarca immediately.
Suspicious transactions will be reported to the relevant Authorities.
Dumarca may suspend, block or close User’s account and withhold funds if so required by the Anti-Money Laundering Act or relevant legislation.
Dumarca prohibits Users collusion.
Dumarca prohibits and takes measures to prohibit use of devices, such as robots, that distort normal game play.
If User breaches conditions 5.6 and 5.7, User will be subject to the cancellation of bets and amendment of the balance on User’s account.
If User has a complaint, User can call Vera&John on +356 27780428 or email customer support on email@example.com
Dumarca will apply the best of efforts to resolve a reported matter promptly.
If Users have a query with regard to any transaction, Users may also contact Dumarca at firstname.lastname@example.org with details of the query. Dumarca will review any queried or disputed transactions.
If you have any complaints in relation to our Services or Games you should raise such complaint promptly, (and in any event within one month after the incident taking place). Complaints should first be raised with our Customer Services team. If you do not agree with the decision made by Customer Services you will be entitled to ask that the complaint is reviewed, by the Customer Support Manager at email@example.com.
If you remain unsatisfied, you may refer your claim for adjudication by our Alternative Dispute Resolution service (ADR) eCOGRA for a dispute resolution form please see http://www.ecogra.org/srs/dispute.php
Alternatively; if you reside within the EU; you can raise your complaint to the Online Dispute Resolution (Online Dispute Resolution -ODR). The ODR platform will aid in the resolution of your complaint by facilitating communications between parties.
Please note that in the event you may have any claim or dispute where you are not residing in the United Kingdom you may direct any unresolved complaints directly to the MGA (Malta Gaming Authority): e-mail : firstname.lastname@example.org; Address: Malta Gaming Authority, Building SCM 02-03, Level 4, SmartCity Malta, Ricasoli SCM1001, Malta; Tel: +356 2546 9000
You may at your discretion choose to exclude yourself from playing any Games on our Website. You may:
i. Deposits; set a limit on the amount you may deposit within a specified period of time.
ii. Spending: set a limit for the amount you wish to spend on gambling (or specific gambling products) for a given period.
iii. Losses: set a limit for amounts lost (i.e. winnings subtracted from the amount spent) for a given period.
iv. Exclude yourself from playing for a definite or indefinite period.
In order to impose limits on your gaming you may call Dumarca on +356 27780428 or send an email to customer service at the address provided on www.verajohn.com
Customers must be given the opportunity to self-exclude by contacting customer services and in addition by entering an automated process using remote communication. In order to avoid inadvertent self-exclusion it is acceptable for an automated process to include an additional step that requires the customer to confirm that they wish to self-exclude.
A player wishing to self-exclude must do so for a period of six month minimum; Players have the option of extending to this to a total of at least five years.
If you choose to exclude yourself for an indefinite period your account will be closed and you will be barred from re-registering on our Website.
When setting up your Account you may also choose to impose limits on your play. This means that you can only deposit and play with the amount you have pre-set, if you are resident in the UK for the next 24-hour period, and if you are resident outside the UK for the next 7 days. You may choose to lower your limit and this will take effect upon request.
Should User wish to completely close User’s account at any point, User should send an email with such request to Dumarca’s Support Team at: email@example.com
8. Specific Casino Rules of Play
Winnings and account balances in the “Play for Fun” mode have no commercial value whatsoever and are not redeemable for cash, credit or any other type of benefit.
Every User determines the value of their stakes, in accordance with the limits of each Casino game.
Dumarca reserves the right to limit/refuse bets.
The Casino operates with a Random Number Generator (RNG), which guarantees a randomised outcome for each game and the integrity of the product and games. The RNGs has been tested and verified for randomness by governmental approved independent third parties. Both the ‘Play for Fun’ and ‘Play for Real’ modes use exactly the same Random Number Generator.
Dumarca reserves the right to cancel any transaction/s, refunds, losses, terminate events / games if related to attempted / unlawful and/or fraudulent conduct.
Dumarca’s Terms and Conditions apply to all Casino promotions and bonus offers, which may also have separate rules that are promotion-specific. In the event of a conflict between the promotion-specific rules and the Terms and Conditions stipulated here, the promotion-specific rules will prevail.
The default bonus wagering requirement is forty (40) times the amount of the bonus received. Each bonus offer has promotion-specific wagering requirements. Should these not be specified on the promotion-specific Terms and Conditions, default wagering requirements of forty (40) times the bonus apply and only play with bonus money counts towards the turnover requirement.
By default and should such not be specified in the promotion-specific Terms and Conditions, all Casino games qualify towards wagering requirements of any bonus offer as follows:
|All Slots & Instant Games||100%|
|Baccarat & Punto Banco, Video Poker, Caribbean Poker, Texas Hold'em (all variants)||15%|
|Blackjack, Pontoon, Live Casino||10%|
In the event of a Casino system malfunction Dumarca shall have the right to cancel all bets and winnings.
In the event of any interrupted, aborted or miscarried games for any reason whatsoever, all Users’ transactions shall be accurately recorded on Dumarca’s system. Any "unfinished game rounds" are restored when returning to the game. "Finished game rounds" are not restored, but results can easily be retrieved by contacting our support team.
We recommend all Users to have an alternative Internet Service Provider (ISP) for any potential connection problem with the ISP.
9. Limitation of Liability
You enter the Website and participate in the Games at your own risk. The Websites and the Games are provided without any warranty whatsoever, whether express or implied.
Without prejudice to the generality of the preceding provision, we, our directors, employees, partners, service providers
♣ do not warrant that the software, Games and the Websites are fit for their purpose;
♣ do not warrant that the software, Games and the Websites are free from errors;
♣ do not warrant that the software, Games and the Websites will be accessible without interruptions;
♣ shall not be liable for any loss, costs, expenses or damages, whether direct, indirect, special, consequential, incidental or otherwise, arising in relation to your use of the Websites or your participation in the Games.
You understand and acknowledge that, if there is a malfunction in a Game or its interoperability, any bets made during such malfunctioning shall be void. Funds obtained from a malfunctioning Game shall be considered void, as well as any subsequent game rounds with said funds, regardless of what Games are played using such funds.
You hereby agree to fully indemnify and hold harmless us, our directors, employees, partners, and service providers for any cost, expense, loss, damages, claims and liabilities howsoever caused that may arise in relation to your use of the Website or participation in the Games.
To the extent permitted by law, our maximum liability arising out of or in connection with your use of the Websites, regardless of the cause of actions (whether in contract, tort, breach of warranty or otherwise), will not exceed to the return of the amount of the stake of any disputed wager.
10. Breaches, Penalties and Termination
If you breach any provision of these Terms and Conditions or we have a reasonable ground to suspect that you have breached them, we reserve the right to not open, to suspend, or to close your Account, or withhold payment of your winnings and apply such funds on account of any damages due by you.
If any provision of these Terms and Conditions is held to be illegal or unenforceable, such provision shall be severed from these Terms and Conditions and all other provisions shall remain in force unaffected by such severance.
We reserve the right to assign or otherwise lawfully transfer this agreement. You shall not assign or otherwise transfer this agreement.
13. Entire Agreement
These Terms and Conditions constitute the entire agreement between you and us with respect to the Websites and, save in the case of fraud, supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and us with respect to the Websites.
14. Applicable law and jurisdiction
These Terms and Conditions shall be governed by the Laws of Malta.
The parties agree that any dispute, controversy or claim arising out of or in connection with these Terms and Conditions, or the breach, termination or invalidity thereof, shall be submitted to the exclusive jurisdiction of the Maltese courts.