General Terms and Conditions

General

I. General

1. Tipico Company Limited (hereinafter called Tipico) and the betting customer are the only parties involved in each betting contract. In order to place a bet with Tipico, the customer must agree to these General Terms and Conditions.
   
   Tipico is a legally founded company subject to the laws of Malta. It was entered in the Registry of Companies on 13.07.2004 under the registration number C 34286 and has its head office at Palace Court, Church Street, St. Julian's STJ 3049, Malta.
   
   Tipico operates the web site www.tipico.com
   
   Tipico is operating under a Class 2 license issued and regulated by the Lotteries and Gaming Authority Malta to offer and accept bets on all international events with undetermined outcome. The license was issued on March 1, 2005, with License number LGA/CL2/180/2004. Tipico pays betting and other taxes in Malta and is subject to the controls of the national board of control for betting licences. All bets placed either on the Web Site or through an affiliated agent are operated, held, accepted, placed and processed exclusively in Malta.
2. Tipico reserves the right to modify these General Terms and Conditions. The user is responsible to remain informed on the currently valid provisions. Tipico recommends that users print out these GT&C and all future transaction data in order to avoid misunderstandings and disputes at a later stage.
3. It is possible that all or some residents of certain countries are prohibited to access the website. Tipico’s does not intend that people living in countries where such activities are illegal use the website for betting or other purposes. The website should not be regarded as an offer, advertisement or invitation from Tipico to use or source bets or other services in those jurisdictions where such activities are illegal.
4. The customer is responsible to inform himself about the applicable laws in his place of residence.
5. The customer must ensure that when using the website he acts as an individual customer and/or when betting on the website acts within the laws of his own jurisdiction. Tipico cannot be held responsible for any violation of local laws on the part of the customer.
6. The user confirms when placing a bet that he is not located in North Rhine-Westfalia.
7. Bets placed on behalf or to the account of bookmakers or betting agents and their employees are not accepted.
   Bets on sporting event in which the customer is involved (e.g. participating sportsmen, owners, trainers or officials of a participating association) are not permitted.
   Tipico reserves the right to cancel these bets even after the event that was bet on has finished.
8. Tipico is free to:
   - reject applications for accounts without providing a reason
   - reject individual bets without providing a reason
   - limit the stake on individual bets
   - limit the stake of individual customers
9. Tipico reserves the right to close an existing account without providing a reason. In such an event the customer will receive notification of the remaining balance on the account. The betting customer shall be excluded forthwith in the case of fraud or attempted fraud especially when placing a bet.
10. Tipico is not liable for transmission errors with regard to betting data and results. Tipico engages third parties for its services that have also contractually excluded Tipico from any liability. Therefore there are absolutely no claims for compensation due to transmission errors, delays, or the misuse or manipulation of data during transmission via the Internet or for other errors occurring during transmission of data and results.
11. The customer agrees that his personal data provided in connection with placing bets, may be stored and processed within the normal betting operations.
12. The customer is not entitled to transfer or pledge receivables against Tipico either gratuitously or non-gratuitously.
13. Tipico assumes no liability whatsoever if a betting account is misused by unauthorised persons entering the username and password. The betting customer is responsible to keep his username and password secret; all account transactions, deposits and payouts are made to the customer’s account when the username and password are entered.
14. To correspond with our security rules, the password must consist of not less than 5 characters. It may contain upper and lower case characters and digits, but no special characters (including umlauts). The password must not be similar to other user data, eg first name or city.
15. Tipico advises its customers to print these Terms and Conditions and all transaction data to avoid possible misunderstandings and disputes.
16. Tipico utilises Google Analytics, a web analysis service of Google Inc. (“Google”). Google Analytics uses so-called ‘cookies”, text files that are stored on your computer and enable an analysis of your use of the website. The information generated by the cookies on the use of the Web Site (including your IP address) are transmitted to a Google server in the USA and stored there. Google uses this information to evaluate your use of the Web Site, to compile reports on the Web Site activities for Tipico and provide additional services connected to the use of the website and the Internet. It is possible that Google transmits this information to third parties if this is legally required or third parties process this data on behalf of Google. Goggle shall under no circumstances combine your IP address with other Google data. You can prevent the installation of cookies by setting your browser software accordingly; however, we advise you that in this case you may not be able to fully use all functions of this website. By using this website you agree to all the data collected on you being processed by Google in the manner described above and for the above mentioned purpose.
17. If a bet is declared "invalid" (e.g. cancellation of match) this bet shall be evaluated with 1.0 odds as “won”. For individual bets this means that the user receives an amount equivalent to his stake.
    On combination bets all the odds are adjusted accordingly and the combination bet is still won when all other bets contained therein are also won.
    Possible fees, for example on individual bets, are not refunded.
    
18. If information becomes known during accepting bets that could determine the result, Tipico will newly determine the deadline for accepting bets or the bet shall be declared invalid.
19. Tipico assumes no liability for input, transmission and/or evaluation errors. In particular, Tipico reserves the right to make corrections if obvious errors occurred when entering betting odds and/or evaluating betting results (e.g. typing errors. incorrect match pairing, obvious mix-ups with regard to odds, incorrect handicaps, obviously wrong number of goals for over/under bets) – also after the event – or to declare the bets concerned to be invalid. Tipico also does not assume any guarantee that the information services made available are correct, complete or up-to-date, e.g. odds lists or Livescore. Only the amount confirmed and displayed by Tipico is considered the wager.
20. If the calculation or booking of winnings is incorrect, Tipico has the right to make retrospective corrections. The bet is then calculated with the correct odds and in the case of a win, paid out with the corrected odds. Incorrectly credited winnings must be paid back.
21. Tipico may waive rights from the General Terms and Conditions in individual cases. The customer has no claim to the waiving of rights in the future.
22. If one of the provisions of these General Terms and Conditions should be invalid, wholly or in part, the betting contract remains unaffected. If individual provisions are invalid, the content of the betting contract replacing this provision will comply with the legal regulations that come closest to the invalid provision. The law of Malta applies.
    
    

II. Winnings and Determination of Winnings

1. Winnings on bets with fixed odds are calculated by multiplying the odds with the wager.
2. Provided the outcome is certain all bets will be decided and evaluated. Tipico only accepts the results that occur during the event. Any changes that are made after this time have no influence on the evaluation of the betting event.
   Bets that have already been decided at the time of interruption (live bets, half-time bets, match period bets, over/under bets, first goal etc.) are evaluated without regard to the time of the interruption or resumption of play. If the event is cancelled after normal playing time (e.g. during extra time / penalty shoot-out) the result after normal playing time applies.
3. If a sporting event that was cancelled, interrupted or withdrawn is restarted or continued by the end of the next day at the same location and start time of the betting event, the stake will apply to the newly restarted/continued betting event. The bet also remains valid if the event is replayed/continued or played at a neutral venue. If the match is not restarted or continued, it will be declared invalid.
   League matches or matches within a tournament such as Cup matches that are ended by the referee before normal playing time, will be evaluated according to the final score if the referee declares the match legal with the final whistle and the match is added to the official tables and is not replayed or continued at a later stage.
4. If the party on which the bet has been placed does not start regardless of the reasons but the event itself goes ahead the bet has been lost. This applies to all sports bets. However, if the entire betting event does not take place the bets will be declared invalid.
5. Dead heat: If two or more participants in a sporting event are declared winners, the betting odds will be shared accordingly.
6. Any attempt to collude or intent to participate, directly or indirectly, in any collusion scheme in the course of any betting activity is strictly prohibited.
7. All transactions are checked for possible money laundering activity. Any suspicious activity on an account could lead to the player being reported to the relevant authorities and freezing of the funds and could also lead to the closure of the account and confiscation of the funds.

III. Limit on Payouts and Winnings

1. There is a general limit on winnings/payouts for sports wagers of Euro 100,000 per customer and week.
2. A limit on winnings of Euro 100,000.00 per bet applies.
3. If there is any suspicion of betting and race manipulation Tipico reserves the right to block payout for the respective race or sporting event until a court of arbitration for sport or an ordinary court decides that neither betting nor race manipulation has occurred. Without judicial clarification only the stake will be refunded.
4. The payout of winnings may be deferred for up to 30 days.

IV. Opening an Account / Account

1. General
   By opening a betting account/deposit account the betting customer declares that he:
   
   a)   is 18 years or older,
   b)   does not reside in Malta,
   c)   is not a restricted person with respect to business activities,
   d)   does not use funds gained through criminal activities,
   e)   is opening the account for personal use and has no commercial intentions,
   f)   aware of the current General Terms and Conditions of Tipico and expressly accepts them.
2. The player must submit correct information during the registration process including address and contact mail and telephone number. The player also agrees to update this information in a timely manner should there be any changes to their personal data provided.
3. If an account is opened and run in breach of the conditions specified in section D.1, Tipico or a legal institution of Malta is entitled to confiscate the funds contained in this account.
4. Tipico treats all accounts in the strictest confidence. An obligation to disclose can only be effected by the Maltese authorities.
5. The customer shall direct all questions with regard to his betting account through the contact form on the website.
6. The currency is Euro.
7. It is not possible to transfer/sell/acquire accounts from one player to another. It is also not possible to transfer any funds from one player account to another.
8. If an account remains inactive for a period of 30 months or more, Tipico is obliged to report such accounts to the Lotteries and Gaming Authority, in accordance with the Remote Gaming Regulations. If Tipico is unable to refund the funds to the player, we may be asked to transfer any outstanding balances to the care of the Authority.
9. Ambiguous Bets: Tipico retains the right to refuse the acceptance of ambiguous bets and declare them invalid.
10. Each user may only operate one account. A user already registered is forbidden to register again under another name or with another email address. In the case of violation against this condition bets already made may be reversed afterwards and booked betting bonuses scratched. The possession of a Tipico customer card may not be regarded as an additional betting account in terms of these paragraphs.
11. Organised Betting
    Customers must place their bets as individual persons. Should one or more customers try to place the same bet several times, their bets can be reversed. This rule may also be applied to already evaluated bets, if Tipico suspects that several customers have formed a syndicate or the respective bets have been placed repeatedly by one or several customers or the bets have been worked out together. In this event Tipico retains the right to confiscate the funds contained in the account.
12. It is the betting customer’s responsibility to immediately report any amount erroneously credited to his account. Any winnings from an error are null and void regardless of how they occurred.
13. A bet is only confirmed when it is shows up in the customer's betting account under "my bets".
14. At Tipico’s discretion, it will pay the customer a bonus for fulfilling certain criteria. The criteria determined at the time of placing the bet apply. The customer will find these on notices at the agency or on the Internet. The bonus granted will be automatically credited to the betting account.
15. Tipico offers two types of betting accounts.
    
    1)    The betting account on the Internet
    The customer must open a betting account on the Tipico Web Site www.tipico.com to gain access to a betting account.
    
    a)    Regardless of the payment interface we require a minimum deposit. The minimum deposit will be specified when making payment.
    
    b)    The customer is responsible for keeping his username and password secret. Tipico assumes no liability for bets placed by third parties that gain access to this information.
    
    c)    Deposits and payouts for the betting account can be transferred via various payment systems such as credit cards, bank transfers and others. The processing of bank transfers generally takes 2 – 4 working days.
    
    d)    All payments are made through secure connections so that the unauthorised access by third parties is avoided in the best possible manner.
    
    e)    Tipico reserves the right to charge transaction fees for payment methods. The customer will be expressly advised on the Web Site of possible fees before the transaction.
    
    f)    Tipico reserves the right to add further payment methods or limit or suspend existing ones.
    
    g)    Charge backs, cancellation fees, reverse posting and similar costs that are incurred for incorrect payments, go to the account of the betting customer. For bank deposits of less than EUR 25 Tipico is entitled to deduct bank fees from the deposit amount.
    
    h)    If the customer decides to use electronic payment, he excludes any recall or similar actions when the placement order has been performed properly. Otherwise the internationally recognised provisions and laws for electronic payment transactions apply.
    
    i)    Tipico is not a financial institution and no interest is paid on any funds, irrespective of the amount, held in the player’s account.
    
    j)    The player hereby also acknowledges that it is a legal requirement for Tipico to verify the identity of players requesting withdrawals of over €2,300 and for any suspicious transactions.
    
    2)    The Tipico Customer Card
    This can be applied for at any betting agency. There is no legal claim to the issuance of a customer card. Tipico and the betting agency can refuse to issue a customer card without providing a reason.
    
    a)    The betting agency issuing the card is exclusively responsible for the balance on the customer card. Deposits and payouts can only be made there. Tipico assume no liability for the balance on the customer card.
    
    b)    The customer card is registered to the owner and is not transferable. The card remains the property of Tipico. In order to control or avoid misuse of the card, the user must positively identify himself on request of the personnel of the betting agency when presenting the customer card.
    
    c)    The customer card must be stored with special care to avoid it being lost or misused. The loss of the card must be reported to the betting agency immediately, which will arrange for Tipico to block the customer card. Tipico does not assume any liability for misuse of the card.
    
    d)    The customer is responsible to keep his password secret. Tipico does not assume any liability for bets placed by third parties that had access to this information.
    
    e)    If the user loses the customer card he can apply for a new card and have the balance transferred onto this new card by presenting suitable identity documents. Tipico reserves the right to charge an appropriate fee for expenses and costs.
    
    f)    The user is obligated to regularly check his betting account operated with the customer card. For this purpose an info terminal is available to the user at the betting agency. If irregularities are discovered the user must inform the card-issuing betting agency immediately.
    
    g)    Cancellation occurs with the confiscation or blocking of the customer card. In this case a refund of the remaining balance, including possible bonuses granted or parts thereof, is excluded. If a customer card has been misused, Tipico reserves the right to pursue criminal prosecution.
    
    h)    Tripico reserves the right to change, end or replace of customer card service with another programme at any time by adhering to an adequate term and adequately protecting the interests of the user. The user will be informed of this through a notice at the betting agency. In the case of important reasons ( e.g. changes to the law) it is permitted to suspend, supplement and/or change the service or parts thereof without notice.
    
    i)    Liability by Tipico for damages incurred by the user from the use of the customer card is excluded. For all disputes arising from or in connection with the use of customer cards the legal venue is agreed to be the head office of the card-issuing betting agency.

V. Account Payout

1. For Internet accounts (IV.12.1)
   
   a)    Each payout request is checked by a Tipico employee and transferred manually. There are no automatic transfers.
   
   b)    All amounts deposited must be used at least once for betting/casino games. All betting/casino winnings can be requested for payout. Corresponding bonus conditions must be fulfilled.
   
   c)    The customer may request a payout of the existing balance of his betting account of part thereof at any time, provided that all incoming payments have been confirmed and all amounts deposited have been used at least once for placing bets. The customer informs Tipico of a payout request using the appropriate form on the Internet site. The minimum payout per bank transmission is EUR 25. Lesser amounts can only be paid out by Moneybookers.
   
   d)    Payouts are transferred to the bank account nominated by the customer, which identifies him as the account holder or by crediting the amount to a moneybooker’s account. In case of doubt, Tipico reserves the right to make payouts only against presentation of a valid passport or an equivalent identity document. If a payout is requested, Tipico on principle reserves the right to withhold this payout until the issuing bank has verified the credit card details.
   
   e)    Complaints with regard to payouts must be registered within 30 days of the payout request.
   
   f)    The customer may request three payouts per week (Monday – Sunday) free of charge. For each additional payout during a week Tipico shall deduct of fee of EUR 5.
2. For the Tipico Co. Ltd. customer cards
   
   a)    All winnings from wagers booked off the customer card shall automatically be credited to it. Printouts of stored bets are for the user’s information only and do not constitute a payout claim. Payouts from credit balances stored on the customer card are possible at the card-issuing betting agency against signing a payout receipt or at an agency authorised by it. For control purposes and to avoid abuse the presentation of a suitable identity document may be required.
   
   b)    credit balances are administered exclusively by the issuing betting agency. Tipico has no claim on payouts.

VI. Placing a bet on www.tipico.com

1. Each time the customer places a bet he acknowledges the validity and acceptance of the existing betting terms and conditions in their valid version. In the case of any dispute between the English language version of the Terms and Conditions and versions in other languages, the English language version shall prevail.
2. A bet is on principle only accepted when the customer’s betting account contains sufficient funds.
3. If a wager is accepted despite insufficient funds, for example due to a technical fault, the bet shall be declared invalid. Tipico is not liable for damages.
4. Bets are placed online on the Tipico website. Bets may not be sent to Tipico by mail, fax, email or by any other method. Bets sent to Tipico in such a way are invalid regardless if they have been won or lost.
5. A bet is concluded as soon as Tipico has sent an electronic confirmation via Internet on www.tipico.com (bet is confirmed).
6. A bet is invalid if the date and time of placing the bet or the customer’s necessary personal data have verifiably been omitted due to transmission errors. The stake shall be refunded.
7. Bets that are accepted after the start of the betting event are also declared invalid. This does not apply to live bets.
8. Tipico shall determine the time when bets are no longer accepted.
9. Winnings are automatically credited to the betting account. In individual cases, the credit of winnings may be postponed until the official race report has been published. The betting agency shall only pay out winnings on presentation of the original betting slip.
10. The minimum stake per bet is: EUR 1.00. For system and multiway the minimum stake per combination is: EUR 0.25.
11. Only records made by Tipico are authoritative in relation to the contents of all bets. On request, Tipico is obliged to present these records. Adjustments can only be made to the betting account to rectify an obvious error or obvious typing or calculating error.
12. The customer is obligated to check that the details of his bet are correct. The last bet placed can be cancelled within 10 minutes provided non of the events on which bets were placed have started. The cancellation can be made online under "my bets". Reversal by email, mail, fax, telephone or other methods of communications are not possible. Live bets are on principle not reversible.

VII. Account information

1. Every customer can request a report under "Account statement" in the form of a betting account statement at any time.
   By entering the username and password on the Tipico website all betting transactions for various periods can be displayed and printed out.
2. Complaints regarding specific bookings can only be accepted within 30 days after the booking day/day of placing the bet.

VIII. Betting information

1. All information offered on the Tipico website and other media is without guarantee. Especially starting times may change without Tipico’s knowledge or may be incorrectly transmitted by third parties. Fixed winning rates and odds are subject to free supply and demand.
2. Tipico is not obligated to make additional information available about the competition (e.g. league, cup or friendly match), about shortened playing times or about the match venue (e.g. neutral venue). If Tipico makes such information available it is without guarantee and has no influence on determining the winnings.
3. Tipico does not guarantee any information on types of results, statistics, live scores etc. that has been made available.

IX. Stakes and special conditions for the shop business

1. The agent has no power of representation for Tipico. He is not entitled to execute a declaration of intent for and against Tipico or accept one. In particular, the agent may not change odds on behalf of Tipico. The agent is the customer’s representative. He is also his authorised recipient for declarations of intent as well as payments with regard to betting placements.
2. All current rating lists are displayed on the Tipico Web Site www.tipico.com/pdf in their up-to-date version. They are available at agents. The starting times displayed on the Tipico rating list should be considered a guideline only. The actual start times are authoritative.
3. Tipico reserves the right to charge a fee on single bets, types of bets, match pairings, combinations etc. without providing a reason. Only Tipico determines the amount of the fee. Fees can vary according to different bets, type of bets etc. A notice at the shop gives information on possible fees. The fees are displayed on the betting slip.
4. Several people may place bets together. For gaming syndicates the member placing the bet becomes Tipico’s contract partner. If there is doubt, Tipico reserves the right to request proof of identity.
5. Winnings are only paid out on return of the original betting slip. If betting slips are not presented within 30 days of the start of the last betting event as printed on the slip, the punter’s claim to the payout of winnings expires.
6. Stakes
   
   a)    The bet is concluded when the agent enters the customer’s bet into Tipico’s central computer and Tipico confirms or accepts this electronically online. Bets may not be sent to Tipico by mail, fax or email. Tipico does not conclude bets received in this manner. Tipico must expressly agree to this method of receiving bets for them to be concluded. The agent is not entitled to accept these bets.
   
   b)    The betting customer is obligated to ensure that his bet is correct before submitting it. Later complaints cannot be considered. The bet is invalid if the date and time of placing the bet has verifiably been omitted due to transmission errors. The stake shall be refunded.
   
   c)    The minimum stake per bet is: € 2.00. For combination bets the basic minimum stake per combination is: € 0.25. Tipico reserves the right to arrange different amounts with individual Tipico betting shops. In this case the changed ruling is displayed on a notice.
   
   d)    Changes made to the entry on the original betting slip/betting agency confirmation or any other manipulations exclude the customer’s claim to winning. The stake is not refunded.
7. For disputes arising from facts regarding the bet, the betting result or the calculation of the payout odds the punter can further call upon an expert appointed, at his request, by the local responsible chamber of industry and trade at the head office of the agent. This expert will hear the two parties and decide the matter under dispute. The decision of the expert is binding on both parties provided it is not obviously wrong. The costs of the expert go to expense of the party disadvantaged by the expert determination.

X. General betting rules

1. Certain sports and betting markets have special betting rules. Therefore, the customer must first observe the specific rules of the sports. These specific rules have priority over the General Rules.
2. Sports bets can be made as single, combination (accumulated bets) or system bets. Single bets may not be allowed for certain types of sports or events. Details of this can be taken from the current rating list (e.g. min. 3 games).
3. The result after normal game time applies for all sports. Possible extra time or penalty shoot-outs do not affect the evaluation of winnings. Exceptions to this are made known either at betting markets or in special rulings for the sports.
4. Ante-post bets
   
   a)    In general ante-post bets are offered for the turnout of a major event (tournament). For example, the bet could be offered in the form of a question:
   (i)    Which football team will win the world cup?
   (ii)   Who will win the Wimbledon tennis tournament?
   (iii)  Which team will be relegated in the German Bundesliga?
   
   b)    Ante-post bets are offered regardless of whether or not all participants are listed or take part. All stakes for ante-post bets are lost if the participant or team, on which the bet was placed fails to take part or gives up.
   c)    The actual result is based on the last game/event (e.g. final match or last day of play) at midnight (local time of the event). Changes to the result made after this point – regardless of the reason – have no affect on the evaluation of the betting event.
   d)    If two or more participants share a particular final position, the rates/odds are divided by the number of participants sharing the position.
   e)    The same conditions apply to live-bet sports as those of the betting terms and conditions under Sports.

XI. Betting markets

XII. Sports

1. Football / Soccer
   Unless expressly stated to the contrary, bets offered on all soccer matches are based on the score at the end of normal playing time. The term ‘normal playing time’ refers to a 90-minute match or match time plus the time added by the referee for stoppages but not possible extra time or penalty shoot-outs.
   
   If the match is played on neutral ground the team listed on the left is the home team and the team listed on the right is the away team.
2. Ice Hockey
   Unless expressly stated to the contrary, bets offered on all ice hockey matches are based on the score at the end of normal playing time. The term ‘normal playing time’ refers to a 60-minute match or match time plus the time added by the referee for stoppages but not possible extra time or penalties etc.
3. American Sports (NFL; NBA; WNBA; MLB)
   Unless expressly stated to the contrary, bets offered on American Sports are based on the score at the end of normal playing time including overtime.
   This does not include the American Soccer League (MSL) and the National Hockey League (NHL), which are based on the score at the end of normal playing time.
4. Tennis
   All bets are only valid after the first ball has been played. If a player pulls out of the match or the match is interrupted (injury, pull-out, disqualification) after at least one ball has been played, the bet is declared invalid. If a match is interrupted or postponed, the bet remains valid for the tournament until the match has actually been played.
   If the match is not part of a tournament, the match will be evaluated as invalid unless it has been replayed by the end of the next day.
5. Basketball
   All bets offered for basketball in the above leagues refer to the score at the end of normal playing time including possible overtime. It may be possible for Tipico to also offer odds for draws (X). In this case the score at the end of normal playing time applies.

XIII. Privacy Policy

1. Tipico has notified the Commissioner for Data Protection that it is processing personal data in accordance with the Data Protection Act, 2001 of the Laws of Malta.
2. Tipico will only process the customer’s personal data for the purposes for which it collected it, namely to provide the customer with an online betting service.
3. Tipico does not normally share the customer’s data with any other third parties; however, at times Tipico may be required by law or legal process to disclose personal information. Tipico may also disclose information about the customer if it believes that disclosure is necessary for the public interest.
4. The customer has a right to access his/her data and request it to be changed or deleted at no cost.
5. The customer also has a right to stop receiving marketing information. Please contact customer support if you would like to stop receiving marketing information.

XIV. Complaints

1. Tipico will endeavour to make a player’s experience with tipico.com an enjoyable one. However, there may be occasions where a player may feel dissatisfied with the quality of Tipico’s product/s or of its customer service. A player may raise a complaint by addressing an e-mail to Tipico’s Customer Service at complaints@tipico.com. The complaint will be escalated to management and Tipico endeavours to handle it within 48 hours of receipt.
2. Should the customer not be satisfied with the way his complaint was resolved or handled he may escalate directly to the Lotteries and Gaming Authority of Malta by sending them an email on complaints@lga.org.mt
3. It is important that only complaints of a serious nature are escalated to the Authority.