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Terms & Conditions

GEOFF BANKS TERMS AND CONDITIONS

These Terms and Conditions are effective from 07/05/2017. All previous terms and conditions are cancelled as of that date.

1. INTRODUCTION

1.1. By using and/or visiting any section (including sub-domains) of the Geoff Banks website www.geoff-banks.com (the "Website"), Geoff Banks mobile application (the "Application") and/or registering with Geoff Banks (the "Geoff Banks", also referred to herein as "we" or "us") , you agree to be bound by

(i) these Terms and Conditions,

(ii) Privacy Policy,

(iii) Cookies Policy, and

(iv) Betting Rules (the "Rules") applicable to our betting products and are deemed to have accepted and understood them (together the "Terms").

1.2. The Terms shall apply to all telephone and online betting as well as betting via mobile devices.

1.3. If there is any inconsistency between these Terms and Conditions and any of the documents listed above, these Terms and Conditions will prevail.

1.4. Geoff Banks is committed to providing excellent customer service. As part of that commitment, Geoff Banks is committed to supporting responsible gambling. For further details, please read Clause 13.

1.5. UNDER THE GREAT BRITAIN AND REPUBLIC OF IRELAND ONLINE GAMBLING REGULATIONS ONLINE AND TELEPHONE GAMBLING DEBTS ARE LEGALLY ENFORCEABLE.

Please read the Terms carefully and if you do not accept the Terms, do not use the Website, the Application and/or our services in any other way or form.

2. RESIDENCY OF CONTRACTING PARTIES

2.1. If you reside in the Great Britain, you will be opening an account with Geoff Banks, who is a bookmaker licensed and regulated by the Gambling Commission in Great Britain. Licence number is 000-001839-R-103757-005.

2.2. If you reside in Republic of Ireland, you will be opening an account with Geoff Banks, who is a bookmaker licensed and regulated by the Department of Justice and Equality in Republic of Ireland. Licence number is 1003236.

2.3. It is your responsibility to determine the law that applies in the location in which you are present and to ensure that you are acting legally in that jurisdiction by using our services. If you access any of the services from a country other than the country specified as your country of residence in the customer registration procedure, it is your responsibility to check that accessing and using the services are not prohibited and/or restricted by local laws. We accept no liability if your use of our services is in contravention of the laws of the country in which you are located.

2.4. In the event that you are found to have breached any of the terms in Clauses 2.1-2.3 we may cancel any bet you may have placed; we shall not be obliged to pay any winnings which might otherwise have been payable in respect of any bet you placed; and we may refer the matter to the police, guardians or family members, or any other appropriate regulatory authority.

3. REGISTRATION

3.1. To use our services, you must register and open an account with Geoff Banks. You:

3.1.1. are 18 years of age or older. Underage gambling is a criminal offence. By registering with us, you confirm that you are aged eighteen (18) or older;

3.1.2. are legally capable of entering into binding contracts, including the Terms and each subsequent bet whilst using our services;

3.1.3. are not prohibited for any reason from betting with us or from using the services.

3.1.4. have not excluded yourself, and neither we nor any other operator has excluded you, from gambling; and

3.1.5. are not an undischarged bankrupt or in a voluntary arrangement with your creditors.

3.2. All information provided in the registration application must be true and accurate. You are the person whose details are provided in connection with your registration. You are responsible for keeping those details up to date and inform us of any changes in such details.

3.3. Any bets or wagers placed via your account must be for your own benefit and not for the benefit of any third party unless otherwise agreed by us in advance.

3.4. We collect and may use your personal information in accordance with our Privacy Policy and Cookies Policy.

3.5. You can only register one (1) account with us. Should we find that you have opened duplicate accounts, we reserve the right to close down any duplicate accounts.

3.6. In the event that you are found to have breached any of the terms in Clauses 3.1-3.5:

3.6.1. we may cancel any bet you may have placed;

3.6.2. we shall not be obliged to pay any winnings which might otherwise have been payable in respect of any bet you placed; and

3.6.3. we may refer the matter to the police, guardians or family members, or any other appropriate regulatory authority.

3.7. We reserve the right to refuse to open an account for any reason.

3.8. By submitting an application you agree to verification procedures stipulated in Clause 4.

4. VERIFICATION

4.1. Geoff Banks reserves the right to ask for proof of identity, age and address from any customer at any point of time and suspend their account until satisfactory documentation is provided. You will not be permitted to withdraw any winnings from your account until our verification checks have been satisfactorily completed.

5. ACCOUNT USERNAME AND PASSWORD

5.1. Upon opening an account for you we will assign you a username and a password. The latter of which you may change yourself afterwards.

5.2. It is your responsibility to ensure that you do not reveal your username and password to anyone else.

5.3. We shall not be liable for any claims in the event that you disclose your username and password to anyone else or where your negligence or deliberate act has contributed to such third party access to your account.

5.4. You may not in any circumstances nominate or allow any person to be an authorised user of your account.

5.5. If you enter your password incorrectly 5 (five) or more times, your account will be locked for security purposes. If you lose or forget your username and/or password you can retrieve the details or if you need to unlock your account using the tools provided on the Website and/or mobile application. Alternatively, you can contact customer services by telephone, live chat or email and subject to sufficient security and verification checks we will reset your username and/or password for you.

6. DEPOSITS AND WAGERS

6.1. You may only bet/wager with the amount of cleared funds held in your account, unless you have a credit account (see Clause 7). Geoff Banks reserves the right to void any bet which may be inadvertently accepted if your account does not have sufficient funds to cover the whole of the bet and/or to recover the amount of any shortfall.

6.2. You can make deposits into your account by debit or credit card (Visa and Master) and by cheque. The cardholder's name must be the same as the name used when registering with Geoff Banks. Geoff Banks reserves the right to suspend or close any account and cancel any associated bets where the account holder and the owner of the funding instrument are not the same.

6.3. All deposits may be subject to your bank and/or payment provider's authorisation and we accept no liability where this is not provided.

6.4. All deposits must be either in British Pounds Sterling and Euros.

6.5. Minimum and maximum account deposits apply, as will be indicated to you where relevant.

6.6. Bets placed over the phone with our customer services are subject to a minimum stake per call of £10 (or currency equivalent).There is no minimum stake for online bets although there is a minimum deposit of £10 (or currency equivalent).

6.7. Your deposit will be available in your account as soon as your bank authorises the amount you choose to deposit and Geoff Banks has processed the transaction.

6.8. Cheques or bank drafts will only be credited to your account upon clearance by our bank. Please contact customer services for further details.

6.9. Geoff Banks will not charge you for deposits or withdrawals although you should check with your bank and/or other payment service provider as to whether they will levy any such charges.

6.10. Funds in your account do not bear interest and are deemed to be advance payments for intended transactions.

6.11. You should only deposit money in your account for the purposes of using such money on our services. If you deposit funds and then without making use of them request withdrawal, we will reserve the right to charge you administration fee of 5% of the deposited amount. We shall be entitled to suspend or close your account if we reasonably believe that you are depositing money without any intention to use such money on our services. In such circumstances we may also report you to the relevant authorities.

6.12. Monies deposited by you to your account will be held in a bank account and/or escrow account which will be kept separate from Geoff Banks' other operational funds. Monies in your account are not insured, guaranteed, sponsored or otherwise protected by any deposit or banking insurance system or by any other similar insurance system. As such, monies in your account are not protected in the event of insolvency. This level of protection meets the Great Britain Gambling Commission's basic protection criteria set out in its customer funds rating system.

7. CREDIT ACCOUNT

7.1. A credit account is available to either by application or by invitation. Credit limit is decided solely at our discretion and may, if we deem necessary, be lowered from the level originally granted without prior notification.

7.2. Allocation of credit may be subject to credit checking procedures and other bookmakers may be contacted for references. You should also be aware that we may occasionally share your data with other bookmakers. The information you provided us with to operate your account, will be used and processed in accordance with our Privacy Policy.

7.3. Credit settlement terms are the following:

7.3.1. All bets will be charged to your account at the time of bet placement.

7.3.2. The applied credit limit will operate on a 14 day accounting period. Credit limit may not be exceeded on credit accounts at any time. If you reach your credit limit you will be able to continue using our services if you make a deposit to your account. Credit facility will become available once you have settled your outstanding credit account balance.

7.3.3. A balance under £20, either negative or positive, may be carried forward to the next accounting period.

7.3.4. Statements and invoices are sent to you every two weeks and payment is expected within 5 (five) days from the invoice date. All late payments are subject to an annual interest of 5 (five) percent.

7.3.5. Withdrawal of positive balance may be done pursuant to procedure in Clause 11.

7.3.6. Geoff Banks may at any time cancel wholly or partially any pending withdrawal requests of positive balance in the amount of used credit account facility.

7.4. Where an outstanding balance remains unpaid after the due date we may, without prejudice to any other rights or remedies available to us, restrict access and/or freeze the credit facility, charge interest, recover the debt by referring the collection of the balance owed to an external debt collection agency, and/or take further legal action to recover the debt.

8. PLACING BETS/WAGERS

8.1. Geoff Banks reserves the right to decline all, or part, of any bet/wager requested at its sole and absolute discretion. All bets/wagers are placed at your own risk and discretion.

8.2. Tote bets are not accepted.

8.3. Geoff Banks only accepts bets/wagers made online (including via mobile device or downloadable applications on a mobile device) or by telephone. Bets/wagers are not accepted in any other form (post, fax, etc.) and where received will be invalid and void - win or lose.

8.4. It is the responsibility of the customer to ensure details of their bets/wagers are correct. Once bets/wagers have been placed they may not be cancelled or changed by the customer without our consent.

8.5. Your funds will be allocated to bets/wagers in the order they are placed and will not be available for any other use. Geoff Banks reserves the right to void and/or reverse any transactions made after a bet/wager has been placed involving allocated funds, either at the time or retrospectively.

8.6. All communication either online or on the phone will be recorded.

9. BET/WAGER CONFIRMATION

9.1. Bets/wagers will not be valid if there are insufficient funds in your account.

9.2. For telephone bets/wagers acceptance will be deemed only after an operator has completed a full read back of the bet/wager details and confirmed to the customer that the bet/wager has been successfully processed and accepted.

9.3. An online/text bet/wager that you request will only be valid once accepted by Geoff Banks by way of sending you a confirmation. Each valid bet/wager will receive a unique transaction code. Geoff Banks shall not be liable for the settlement of any bets/wagers which are not issued with a unique transaction code. If you are unsure about the validity of a bet/wager, please check your account history, or contact us.

9.4. Notwithstanding the above, if bets/wagers are placed via a credit or debit card they are not valid until Geoff Banks has received payment in full. The bet/wager will be automatically void if Geoff Banks has not received the payment prior to the relevant event commencing.

9.5. Once bets have been confirmed with us, they can only be cancelled or changed by mutual consent. If you've placed a bet and wish to cancel or change it, please contact us in good time before the start of the event for their consideration.

10. SETTLEMENTS AND PAYOUTS

10.1. All bets and wagers are subject to the maximum winning limits set out in Appendix One of these Terms and Conditions. Our operators are not authorised to accept bets that exceed these limits. For any bets taken in error, the limit will stand.

10.2. For multiple bets including selections from markets where different limits apply, the maximum payout on the bet will default to the lowest applicable limit.

10.3. Where bets are placed on different days, the maximum payout limit will apply to the day that the final selections in the bets were completed and not to the day that the bets were placed.

10.4. Geoff Banks reserves the right to suspend a market and/or cancel any bet/wager at any time. When a market is suspended any bets entered will be rejected. Geoff Banks also reserves the right to cease betting on any markets at any time without notice.

10.5. Should a customer include a non-runner or void selection in a multiple bet/parlay, the bet will be settled on the remaining selections.

10.6. Winnings from settled bets/wagers are added to the balance of your betting account. Any funds/winnings credited to an account in error are not available for use, and Geoff Banks reserves the right to void any transactions involving such funds and/or withdraw the relevant amount from your account and/or reverse the transaction, either at the time or retrospectively.

10.7. We reserve the right to withhold payment and to declare bets on an event void if we have evidence that the following has occurred:

(i) the integrity of the event has been called into question;

(ii) the price(s) or pool has been manipulated; or

(iii) matchrigging has taken place.

Evidence of the above may be based on the size, volume or pattern of bets placed with Geoff Banks across any or all of our betting channels. A decision given by the relevant governing body of the sport in question (if any) will be conclusive. If any customer owes any money to Geoff Banks for any reason, we have the right to take that into account before making any payments to that customer.

10.8. Without restricting ability to rely on other available remedies, Geoff Banks may suspend or terminate your account and/or cancel any bets placed by you at our absolute discretion if we suspect that you:

10.8.1. are engaging in illegal or fraudulent activity while using our services;

10.8.2. are breaching any of the Terms;

10.8.3. are taking unfair advantage over us or any other player or are otherwise acting in an unfair manner (for example, by exploiting a fault, loophole or error in our software, by collusion or by any other means);

10.8.4. may be having difficulties obtaining credit, have become bankrupt or that you may have self-excluded;

10.8.5. are placing any bets or wagers for the benefit of others; or

10.8.6. We are required to do so by law.

10.9. Irrespective of whether we suspend or terminate an account and notwithstanding any other provisions in the Terms, we may decide to cancel or void any bets at our absolute discretion where:

10.9.1. there is a technological failure; or

10.9.2. where in our judgment, acting reasonably, there is a manifest error in the terms of a bet offered to, or placed by, any party.

10.10. Where there is evidence of a series of bets each containing the same selection(s) having been placed by or for the same individual or syndicate of individuals, we reserve the right to make bets void or withhold payment of returns pending the outcome of any subsequent investigation.

10.11. For events where there is no official 'off' declared, the advertised start time of the event will be deemed the 'off'. If for any reason a bet is inadvertently accepted after an event or match has commenced (other than live In-Play betting clearly indicated on the Website), bets will stand providing the final outcome is not known, and that no participant/team has gained any material advantage (e.g. a score, sending off for the other team, etc) at the time the bet was placed. If the outcome of an event/market is known Geoff Banks reserves the right to void the bet, win or lose. Disputes over times bets are placed will be settled using the transaction log. All times stated on the Website and/or referred to by our staff relate to UK Time unless stated otherwise.

10.12. In-Play betting - where we have reason to believe that a bet is placed after the outcome of an event is known, or after the selected participant or team has gained a material advantage (e.g. a score, sending off for the other team etc) we reserve the right to void the bet, win or lose.

10.13. If for any reason we are unable to validate the outcome of a particular market (e.g. due to loss of live pictures), all bets will be void, unless settlement of bets is already determined.

10.14. Where a customer gives ambiguous instructions, Geoff Banks reserves the right to split the amount of monies staked between the potential outcomes. Where this is impractical we reserve the right to void the whole of that bet. In any event, the decision of Geoff Banks is final.

10.15. Any queries relating to a bet must be raised no later than thirty (30) days after the last event in the bet has been settled. We cannot guarantee that we will be able to respond to your query if it is not raised within this time.

10.16. An itemised statement of transactions can be viewed via your account on our Website or Application.

11. WITHDRAWALS

11.1. If you wish to withdraw funds you need to make such request to Geoff Banks either by phone, email or live chat and it will be duly processed and paid out within 5 working days following the day of making such request if conditions in Clause 11.2 and 11.3 are satisfied.

11.2. Maximum Winnings Limits apply (Appendix 1).

11.3. Funds may be withdrawn from your account provided that:

11.3.1. all payments made into your account have been confirmed as cleared and have not been charged-back, reversed or otherwise cancelled;

11.3.2. any identity checks we are required to conduct pursuant to applicable anti-money laundering regulations and rules or other obligations are clear. To this end we reserve the right to seek such other information as we might require in order to confirm your identity and compliance with the Terms and Conditions and any other applicable rules, laws or regulations. Please also note that additional verifications may be required in connection with certain services (e.g. various social and professional applications) which may cause an additional delay when withdrawing funds; and

11.3.3. you have complied with the rest of the Terms as well as any promotional offers and/or specific rules.

11.4. Where possible, all withdrawals will be processed to the payment account from which the deposits were made. Withdrawal payments can only be made in the name of and to the registered account holder.

11.5. There is no set maximum withdrawal amount per day but withdrawal requests for amounts greater than £20,000 or currency equivalent may require additional arrangements.

11.6. Please note that you are responsible for reporting or declaring any funds withdrawn, including any winnings, if such reporting is required by local law, tax or other authorities.

11.7. We may, at any time, set off any positive balance on your account against any amounts owed by you to Geoff Banks.

12. ERRORS, PALPABLE AND SUSPECTED ERRORS

12.1. Geoff Banks makes every effort to ensure that no errors are made in prices offered or bets accepted. However, human and/or systems' error may occasionally result.

12.2. Geoff Banks reserves the right to correct any obvious errors 'palpable' and to void any bets placed where such have occurred.

12.3. In the case of any blatant errors in prices transmitted (including for example where the price being displayed is materially different from those available in the general market and/or the price is clearly incorrect, depending on all of the circumstances), bets will be settled at the correct price at the time of acceptance (or the starting price in the case of horseracing, whichever is the greater).

12.4. If a bet is accepted by Geoff Banks on an event where offering a price on the event itself (rather than the price) was in error, the bet will be void and your stake will be returned.

12.5. In the event of errors relating to the random number generators used in certain of the services, Geoff Banks reserves the right to void all bets on the wagers affected and your stake will be returned. Should funds be credited to a customer's account in error, it is the customer's responsibility to notify Geoff Banks of the error without delay. Any winnings subsequent to the error and prior to the notification of Geoff Banks, whether linked to the error or not, shall be deemed invalid and returned to, or otherwise be reclaimable by, Geoff Banks.

12.6. Any monies which are credited to your account, or paid to you as a result of an error shall be deemed to be held by you on trust for us and shall be immediately repaid to us when a demand for payment is made by us to you. Where such circumstances exist, if you have monies in your account we may reclaim these monies from your account. We agree that we shall use reasonable endeavours to detect any errors and inform you of any such errors relating to you, your engagement with us, or your account, as soon as reasonably practicable.

12.7. As soon as you suspect or become aware of an error you shall:

12.7.1. immediately cease wagering; and

12.7.2. inform us as soon as reasonably practicable of any such error or suspected error.

12.8. Where you have used monies which have been credited to your account or awarded to you as a result of an error to place subsequent bets, we may cancel such bets and/or withhold any winnings which you may have won with such monies, and if we have paid out on any such bets, such amounts shall be deemed to be held by you on trust for us and you shall be immediately repaid to us when a demand for payment is made by us to you.

13. RESPONSIBLE GAMBLING

13.0. Geoff Banks operates a self exclusion facility for those customers who feel they have a genuine problem with gambling. Our self exclusion scheme is intended for those customers who require our assistance with problem gambling only.

13.1. Geoff Banks offers various facilities for customers who wish to limit their gambling and this will be effected as a joint commitment between Geoff Banks and you whereby you have the following options:

13.1.1. We can limit the amount you can wager or deposit into your account. Please use the form at www.geoff-banks.com/responsible.asp

13.1.2. We can apply a "cooling off' period from 24 hours to one to two months depending on your preference.

13.1.3. Self-exclude yourself from playing for an extended period of time from 6 months to 1 year.

13.2. We shall urge you to contact Gambling Commission in order to make sure that they are aware that you wish to be self-excluded with all operators on a national register. This is the only effective way you can help yourself with your gambling addiction.

13.3. We will not accept any wagers contrary to a limit or exclusion set by you.

13.4. At your request, we will as soon as is reasonably practicable apply best practices to prevent you from using your account. To activate an exclusion facility of your choice and agree on terms suitable for you, please contact customer services.

13.5. We may retain such personal data as is necessary and for as long as is necessary which may be indefinitely to implement the facility as effectively as possible, including for example your name, address and credit/debit card details.

13.6. We will take reasonable steps to prevent you from using your account. You must not attempt to re-open your account or to try and open new account in the agreed minimum period or later if so agreed. We shall not be liable if you circumvent our self-exclusion procedures and continue to use our services or if you continue to gamble with any third party.

13.7. Although Geoff Banks will use its reasonable endeavours to enforce its responsible gambling policies, Geoff Banks does not accept any responsibility or liability if you nevertheless continue gambling and/or seek to use the Website with the intention of deliberately avoiding the relevant measures in place and/or Geoff Banks is unable to enforce its measures/policies for reasons outside of Geoff Banks' reasonable control.

13.8. For information on problem gambling generally please follow this link.

14. CLOSURE OF ACCOUNTS

14.1. Please contact us if you wish to close your account.

14.2. We may close or suspend your account if your account remains inactive for a significant period. Inactive accounts may incur a charge to compensate Geoff Banks for the costs incurred in maintaining such inactive accounts. Such charges will be set off from your account after we have made reasonable efforts to contact you in advance of the incurrence of such a charge. If you have any queries regarding inactive accounts, please contact the customer services for further information.

14.3. We are entitled to close your account at our discretion and without having to disclose any reasons, and where deemed necessary on written notice (or attempted notice) to you using the contact details you have provided. Any balance in your account will be made available to you, subject to your having complied with the Terms.

14.4. Your sole remedy in the event of termination of your account by us for any reason shall be the re-imbursement of any undisputed account balance you may then have and we shall have no further liability to you whatsoever.

15. USE OF THE WEBSITE

15.1. Information accessed by you on the Website (including results, statistics, sporting data and fixture lists, odds and betting figures) is for your personal use only and the distribution or commercial exploitation of such information is strictly prohibited. No warranty is given as to the uninterrupted provision of such information, its accuracy or as to the results obtained through its use. The information is not intended to amount to advice or recommendations and is provided for information purposes only. It should not be relied upon when placing bets/wagers, which are made at your own risk and discretion.

15.2. Your computer equipment or mobile device and internet connection may affect the performance and/or operation of the Website and Application. Geoff Banks does not guarantee that the Website and/or Application will operate without faults or errors or that the services will be provided without interruption.

15.3. Geoff Banks does not accept any liability for any failures or issues that arise due to your equipment, internet connection or internet or telecommunication service provider (including, for example, if you are unable to place bets or wagers or to view or receive certain information in relation to particular events).

15.4. Geoff Banks will not be responsible for any damage to, or loss of data from the mobile device that the Application is installed on, and will also not be responsible for any call, data or other charges incurred whilst using the Application.

16. TEXT BETTING

16.1. You must have registered an account to use text betting. You cannot register an account via text betting. Only the mobile phone number registered with your account may be used to place bets via text betting.

16.2. Where we receive an offer to place a bet from the mobile phone number associated with your account we may at our discretion, and subject to the rest of these terms, accept that bet.

16.3. A bet shall not automatically be deemed to be valid by your sending an offer to bet to us in connection with your account. As with any other electronic communication, for reasons outside of our (or your) control, we may not receive your offer to place a bet on time (or at all). Also, we reserve the right at our discretion to decline an offer by you to place a bet. Bets will be valid only if accepted by the Geoff Banks by way of sending confirmation to you, which will be conclusive as to acceptance or otherwise.

16.4. The confirmation of text bets is done by way of sending a bet receipt, which will include confirmation of your selection with odds. However, we cannot guarantee delivery or receipt by you of a bet receipt. The maximum risk we will accept on any text wager is £3000. For multiple type wagers the maximum risk shall be £5000. Any requests over this risk guarantee shall be void - win or lose.

16.5. We reserve the right, at our sole discretion and without being required to give any reasons, to restrict or place limitations on customers using text betting or to limit the amount of any bet, including for example by way of individual bet limits, daily limits, or individual customer limits.

16.6. By using text betting you will automatically be opted in for communications from Geoff Banks to enable us to respond with bet receipts and/or deal with any queries. If you wish to unsubscribe from marketing communications you can simply text the word STOP.

16.7. It is your responsibility to ensure the security of your mobile phone. Other than where Geoff Banks has been negligent, we will not be liable for any loss that you may incur as a result of misuse or unauthorised use of your mobile phone number or account, whether fraudulent or otherwise.

17. CHANGES TO THE TERMS

17.1. Geoff Banks reserves the right to amend the Terms and Conditions at any time, as may be required for a number of reasons including (without limitation) for commercial reasons, to comply with law or regulations, to comply with instructions, guidance or recommendations from a regulatory body, or for customer service reasons. Where we wish to make material changes to the Terms and Conditions, we will give you as much prior notice of such changes as is reasonably practicable but in any event customers will be notified of changes before they come into effect. Any such revision will be binding and effective from such date as is specified in such notice. The date on which each relevant document comprising the then current Terms and Conditions came into (or will come into) force will be as stated at the top of each relevant document comprising the Terms. Please check these Terms frequently for updates on the Website.

17.2. If any change is unacceptable to you, you should stop using our services and should close your account. It is your sole responsibility to review the Terms and any amendments to them each time you use the services.

17.3. Geoff Banks may, in its absolute discretion, alter or amend or withdraw any betting from the services or any part thereof, at any time, and may alter prices, features, specifications, capabilities, functions and/or other characteristics of the bets, games and/or services.

17.4. Geoff Banks may also at its discretion engage new or alternative third party service providers to offer better and more diversified. By registering with any such third parties, you thereby provide your consent to any applicable additional terms and conditions of such third parties as they may be amended from time to time, including but not limited to any change to the third party service provider itself.

18. NORMAL "WORKING" HOURS

18.1. Geoff Banks phone betting service is normally available every day of the week from 09:30 am until 09:30pm.

18.2. Outside those hours we cannot guarantee full availability of our services and advise you to use our online services that are available 24/7.

19. PROMOTIONAL OFFERS

19.1. From time to time we offer new and/or existing Customers various promotional offers.

19.2. The terms of these promotional offers will be clearly stated for each individual promotion. It is your responsibility to ensure that these terms are read and fulfilled by you in order to qualify for the respective bonus, credit or prize, and also to facilitate any subsequent redemption and/or withdrawal. These promotional terms are to be read in conjunction with the Terms.

19.3. All customer offers are limited to one per person, family, household address, email address, telephone number, same payment account number (e.g. debit or credit card), mobile device (e.g. mobile or tablet), application download or shared computer (e.g. public library or workplace).

19.4. Offers only apply to customers who have made an actual/real money deposit with Geoff Banks.

19.5. Where any term of the offer or promotion is breached or there is any evidence of a series of bets/wagers placed by a customer or group of customers (e.g. where common betting patterns across the same fixture/markets have been identified across accounts), which due to a deposit bonus, enhanced payments, free and risk free bets/wagers, or any other promotional offer results in guaranteed customer profits irrespective of the outcome, whether individually or as part of a group, Geoff Banks reserves the right to reclaim the bonus element of such offers and in Geoff Banks' absolute discretion settle bets/wagers at the correct odds, void the free and risk free bets/wagers or void any bet/wager funded by the deposit bonus. In addition, Geoff Banks reserves the right to levy an administration charge on the customer up to the value of the deposit bonus, free and risk free bet/wager or additional payment to cover administrative costs. Geoff Banks further reserves the right to ask any customer to provide sufficient documentation for Geoff Banks to be satisfied in its absolute discretion as to the customer's identity prior to Geoff Banks crediting any bonus, free and risk free bet/wager or offer to the customer's account.

19.6. All Geoff Banks offers are intended for recreational players and Geoff Banks may in its sole discretion limit the eligibility of customers to participate in all or part of any promotion.

19.7. Geoff Banks reserves the right to amend/withdraw the availability of any offer or all offers to any customer or group of customers at any time and at Geoff Banks' sole and absolute discretion.

19.8. If there is any ambiguity between these Terms and the promotion specific terms, then these Terms will prevail.

20. BREACH OF TERMS

20.1. Without prejudice to Geoff Banks other rights under these Terms and Conditions, if you breach the Terms in any way, Geoff Banks may take such action as Geoff Banks deems appropriate to deal with the breach, including suspending your access to the Website, prohibiting you from accessing the Website, blocking computers using your IP address from accessing the Website, contacting your internet service provider to request that they block your access to the Website and/or bringing court proceedings against you.

20.2. You agree to fully indemnify, defend and hold us, and our employees, agents, contractors and suppliers, harmless immediately on demand, from and against all claims, liabilities, damages, losses, costs and expenses including debt collection and legal fees, arising out of any breach of the Terms by you or any other liabilities arising out of your access and use of the services (or by anyone else using your access information and/or accessing your account).

20.3. The following practices (or any of them) in relation to the services:

20.3.1. abuse of bonuses or other promotions; and/or

20.3.2. using unfair external factors or influences (commonly known as cheating); and/or

20.3.3. taking unfair advantage;

20.3.4. opening any duplicate accounts; and/or

20.3.5. undertaking fraudulent practice or criminal activity,

constitute "Prohibited Practices" and are not permitted and will constitute a material breach of the Terms and Conditions. We will take all reasonable steps to prevent and detect such practices and to identify the relevant players concerned if they do occur. Subject to the above, however, we will not be liable for any loss or damage which You may incur as a result of any Prohibited Practices, and any action we take in respect of the same will be at our sole discretion.

20.4. We shall have the right, in respect of your account to withhold the whole or part of the balance and/or recover from the account the amount of any deposits, pay-outs, bonuses or winnings which have been affected by or are in any way attributable to any of the event(s) contemplated in this paragraph 20.3. The rights set out in this paragraph are without prejudice to any other rights (including any common law rights) that we may have against you, whether under the Terms and Conditions or otherwise.

21. NO WARRANTY

21.1. We do not accept any liability for any damages, liabilities or losses which are deemed or alleged to have arisen out of or in connection with the Website, Application or its content (including delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the Website or its content or any errors or omissions in content).

21.2. While we endeavour to ensure that the information on the Website is correct, we do not warrant the accuracy or completeness of the information and material on the Website. The Website may contain typographical errors or other inaccuracies, or information that is out of date. We are under no obligation to update such material. The information and material on the Website is provided "as is", without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, we provide you with the Website on the basis that Geoff Banks excludes all representations, express or implied warranties, conditions and other terms which but for these terms and conditions might have effect in relation to the Website.

21.3. You accept that Geoff Banks has an interest in limiting the personal liability of himself and his employees. You agree that you will not bring any claim personally against Geoff Banks or his employees in respect of any losses you suffer in connection with the Website, the Application and use of the services.

21.4. Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this Website disclaimer will protect Geoff Banks, his officers, employees, agents, subsidiaries, successors, assigns and sub-contractors.

22. LIABILITY

22.1. You hereby accept that by using the services, there is a risk that you may, as well as winning money, lose money. You agree that your use of the services is at your own risk and we accept no responsibility and shall not be liable for any consequences that are alleged to have occurred through your use, or misuse, of the services.

22.2. If and only to the extent that clause 22.1 does not apply, the maximum liability of Geoff Banks to you arising out of or relating to the services and/or the Terms, whether for breach of contract, tort (including negligence), or otherwise shall be limited to the average balance held in your Geoff Banks account in the previous six months (or the term of the account in the case of accounts open for less than six months), but not exceeding five hundred pounds.

22.3. We (and/or our third party service providers, to the extent relevant) shall not be liable to you in contract, tort (including negligence), breach of statutory duty or otherwise arising for loss of profits, loss of revenue, loss of business, loss of data, loss of business, loss of business information, business interruption, loss of reputation, loss of opportunity, or loss of goodwill, or for any indirect, special or consequential loss, even if such losses are foreseeable or if we have been notified of the possibility of such losses.

22.4. We are not liable for the failure of any equipment or software, wherever located or administered, or whether under our direct control or not, that may prevent the operation of our services, impede the placing of orders for bets or the acceptance of bets, or prevent you from being able to contact us. We will not be liable for any loss of content or material uploaded or transmitted through the websites and you confirm that we shall not be liable to you or any third party for any modification to, or suspension or discontinuance of, the services. We reserve the right to cancel or suspend the services without incurring any liability.

22.5. We are not liable for any loss or damage that you may suffer because of any act of God; power failure; trade or labour dispute; act, failure or omission of any government or authority; obstruction or failure of telecommunication services or networks; or any other act, omission, delay or failure caused by a third party or otherwise outside of our control.

22.6. Notwithstanding the rest of the terms of this clause, nothing in these terms of use shall exclude or limit our liability for fraud, death or personal injury resulting from our negligence or any liability to the extent such liability cannot be excluded or limited as a matter of law.

23. UNENFORCEABLE PROVISIONS

23.1. If any provision of the Terms, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of the Terms.

24. ASSIGNMENT

24.1. Geoff Banks may transfer, sub-contract or otherwise deal with his rights and/or obligations under these Terms and Conditions without notifying you or obtaining your consent.

25. NOTICES

25.1. Notices and other communications delivered or mailed to the postal address or to the electronic-mail address provided by you shall, until we have received notice in writing of any different address, be deemed to have been personally delivered once sent whether actually received or not.

26. DISPUTES AND GOVERNING LAW

26.1. Should there be any claim or dispute relating to bet(s), please contact us immediately to resolve the matter amicably and promptly. Please bear in mind the time bar stated in clause 10.15, which is thirty (30) days after the last event in the bet has been settled.

26.2. If we are unable to settle the dispute, we will refer the dispute to the Independent Betting Adjudication Service (IBAS). If you wish to contact IBAS yourself their contact details are as follows:

email [email protected] and

address IBAS, PO Box 62639, London, EC3P 3AS.

26.3. The arbiter's decision will be final (save in respect of any manifest error) subject to full representation being given to all parties involved.

26.4. Notwithstanding the above, Geoff Banks reserves the right to take legal action against any party in breach of the Terms, at its election, in England and Wales or the place of breach or the domicile of that party, and that party shall submit to the jurisdiction chosen by Geoff Banks.

26.5. The Terms are governed by English law.


Appendix One

MAXIMUM WINNING LIMITS

HORSE RACING

Maximum winnings where ALL selections are covered by a Full Official Information Service ie. SIS:

Great Britain & Ireland = £100,000

Forecasts/Tricasts on the above events = £10,000

Maximum winnings where ANY selection is NOT covered by a Full Official Information Service:

Great Britain & Ireland= £25,000

Maximum winnings where ANY selection is includied from any ofther Racing jurisdiction:

All other countries unless otherwise advertised* = £15,000

Forecasts/Tricasts on the above events = £3,000

*Please note this excludes the Dubai Carnival, Breeders Cup and Arc de Triomphe meetings and the Melbourne Cup race. These events will be subject to the GB & Ireland threshold above.

GREYHOUND RACING

Where all selections are in races governed by a full official service within the UK or Ireland, broadcast live by SIS or an alternative provider, including shows, offs, results and live pictures and races covered live by Sky Sports = £10,000

Forecasts/Tricasts and all other greyhound races where we advertise acceptance = £3,000

OTHER SPORTS

Football (excluding Australian and South American): £100,000

All other sports: £50,000

Ante Post & Sports betting: £50,000

Virtual Sports (Including Virtual Greyhounds and Horse Racing): £10,000

Non Sporting Events (i.e. Political betting): £10,000

Fixed Odds Number Games (Includes bets on the 49's and National Lotteries): £10,000

Above limits apply in all cases, unless otherwise advertised, irrespective of total stakes invested. The maximum winnings apply in currency equivalent if applicable.




 

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