Terms and Conditions for Cosmo Casino

These Terms and Conditions govern access to and use of the online gaming services provided under the brand name Cosmo Casino through the website Cosmo Casino (the “Website” or “ipics2016.org”). By registering an account, accessing, or using any services on Cosmo Casino, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions, together with any policies referenced herein (collectively, the “Agreement”). If you do not agree with any provision of this Agreement, you must immediately discontinue use of the services of Cosmo Casino and close your account.

Cosmo Casino operates as an online casino platform targeting, among others, residents and lawful visitors of New Zealand, subject to applicable local laws. These Terms and Conditions are drafted in consideration of international iGaming standards, including those common under Malta Gaming Authority (MGA) and Curacao licensing frameworks, as well as general consumer protection expectations relevant to New Zealand-based players. Where any conflict arises between this Agreement and any applicable mandatory law, the applicable law shall prevail to the extent of such conflict, and the remaining provisions shall remain fully enforceable.

By creating an account and using Cosmo Casino, you confirm that online gambling is not illegal in your jurisdiction and that you are acting in full compliance with all applicable laws. It is your responsibility to check and understand such laws before using the services of Cosmo Casino. These Terms and Conditions constitute a legally binding contract between you (the “Player”, “you”, or “your”) and the operator of Cosmo Casino (“Cosmo Casino”, the “Company”, “we”, “us”, or “our”).

1. General Provisions: Acceptance of Terms, Player Responsibility, and Jurisdictional Legality

By accessing or using the gaming services, software, or content made available on Cosmo Casino, you expressly accept and agree to be bound by these Terms and Conditions. Your acceptance is effective upon the earliest of: (a) clicking “Register”, “Sign Up”, “Create Account”, or any similar button on Cosmo Casino; (b) logging into an account at Cosmo Casino; or (c) making a deposit, placing a wager, or otherwise participating in any casino games offered on the platform. You further acknowledge that this Agreement is enforceable as an electronic contract and that your electronic acceptance shall have the same legal force as a handwritten signature under applicable law.

You are solely and entirely responsible for ensuring that your use of Cosmo Casino is lawful in the country, state, territory, region, or jurisdiction where you are physically located at the time of accessing the Website and placing bets. Cosmo Casino does not provide legal advice and does not represent that participation in online gambling via the Website is lawful in any particular jurisdiction, including New Zealand; rather, the legality of online gambling remains a matter for you to determine and comply with. You must not access Cosmo Casino from any jurisdiction where online gambling is prohibited, restricted, or requires a local license that Cosmo Casino does not hold.

In registering for and using the services of Cosmo Casino, you undertake to provide accurate, complete, and current information at all times, and to keep your login credentials confidential. You accept full responsibility for all activities conducted under your account at Cosmo Casino, including wagers, deposits, withdrawals, and communication with customer support. Any losses that result from unauthorized access to your account due to your negligence (such as failing to secure your password or sharing it with third parties) shall be borne solely by you, and Cosmo Casino shall have no liability other than as required by mandatory law.

Cosmo Casino reserves the right to restrict or deny access to its services to any person, at any time, without obligation to provide a reason, particularly where there is suspicion of legal non-compliance, fraud, money laundering, or any other prohibited conduct. In particular, Cosmo Casino may suspend or permanently close your account on Cosmo Casino where it reasonably determines that you have breached these Terms and Conditions or any applicable law. The fact that Cosmo Casino chooses not to enforce any provision of this Agreement in a particular situation shall not be construed as a waiver of any rights or subsequent enforcement.

By accepting these Terms and Conditions, you confirm that you are acting on your own behalf and not on behalf of any other person or entity, and that you are not using funds derived from any illegal or unauthorized activities. You further acknowledge that gambling is inherently risky and that you may lose money, and you agree that Cosmo Casino is not responsible for your gambling decisions, strategies, or behaviors. Use of the services of Cosmo Casino is at your sole discretion and risk, subject to the limitations and responsibilities set out herein.

2. Amendments: Right of Cosmo Casino to Unilaterally Change Terms and Notification Procedures

Cosmo Casino reserves the right, at its sole discretion, to modify, amend, update, or replace any part of these Terms and Conditions at any time. Such changes may be made in order to reflect regulatory developments, licensing conditions, technical improvements, product changes, or for any other legitimate business purpose. Any revised Terms and Conditions will be published on Cosmo Casino and will indicate the date of last update. It is your responsibility to regularly check the Website for the most current version of the Terms and Conditions applicable to your use of the services.

When material changes are made to this Agreement, Cosmo Casino will use reasonable efforts to notify you, which may include notification via email to the address associated with your account, an on-site message or pop-up at Cosmo Casino, or a notice displayed upon login. However, your continued use of the Website and services after any changes have been posted shall constitute your acceptance of such changes, regardless of whether you have read the updated Terms and Conditions or received a specific notification. If you do not agree with the revised Agreement, your sole remedy is to stop using the services of Cosmo Casino and to close your account.

Any amendment, variation, or modification to these Terms and Conditions shall become effective from the date they are published on Cosmo Casino, unless otherwise expressly stated. Cosmo Casino is not obliged to obtain your express acknowledgment of each change individually, and no oral or informal statements by customer support or other staff shall constitute an amendment to this Agreement. Only the published Terms and Conditions on the Website will be considered authoritative and binding at any given time.

Cosmo Casino may, from time to time, introduce, modify, or discontinue specific games, promotions, loyalty schemes, payment methods, or other features available on Cosmo Casino. Any such introduction, modification, or discontinuation shall not be deemed a breach of contract, provided that Cosmo Casino continues to provide reasonable access to its core casino services, subject to lawful operations and regulatory obligations. You acknowledge that there is no guarantee that any particular game, promotion, or feature will remain available for any given period.

In the event of any discrepancy between the English version of these Terms and Conditions and any translation into another language that may be made available on Cosmo Casino, the English version shall prevail. Should you require clarification regarding any aspect of this Agreement following an amendment, you may contact customer support; however, your continued use of the services remains at all times governed by the current published Terms and Conditions.

3. Eligibility & Registration: Age Requirements, Identity Verification, and One-Account-Per-User Rule

Access to and use of Cosmo Casino is strictly limited to individuals who are at least eighteen (18) years of age, or the minimum legal age for participating in online gambling in their jurisdiction, whichever is higher. By opening an account, you affirm that you are at least 18 years of age and that you have full legal capacity to enter into this Agreement. Cosmo Casino reserves the right to request proof of age at any time and to suspend or close your account if satisfactory evidence is not provided. If it is discovered that you were underage at the time you placed any bets or used the services, all winnings may be voided, and your account at Cosmo Casino may be permanently closed.

To register for an account, you must complete the online registration form on Cosmo Casino and provide accurate and verifiable personal information, including but not limited to your full name, date of birth, residential address, email address, and telephone number. You agree to keep your registration details up to date and to promptly inform Cosmo Casino of any changes. You must not impersonate any person or entity or use false, misleading, or fraudulent information when registering or verifying your identity. Cosmo Casino may, at its discretion, require you to verify your email address and phone number via confirmation links or codes before granting full access to the services.

Cosmo Casino enforces a strict one-account-per-individual rule. You may not create or hold more than one account at Cosmo Casino, even if different email addresses, payment methods, or devices are used. Multi-accounting is strictly prohibited and is considered a breach of these Terms and Conditions. If Cosmo Casino reasonably suspects or confirms that you have created multiple accounts, it may, in its sole discretion, merge such accounts, void bonuses and winnings, confiscate balances associated with duplicate accounts, and/or permanently close all related accounts. Cosmo Casino may also report suspicious multi-accounting to relevant regulatory or enforcement authorities.

As part of its regulatory and anti-fraud obligations, Cosmo Casino may perform identity verification and due diligence checks before or after registration, as well as at any time during your relationship with Cosmo Casino. You may be requested to provide documents such as government-issued photo identification, proof of address, and proof of ownership of payment instruments. Failure to provide such documents or the provision of forged or altered documents may lead to account suspension, the freezing of funds, and potential reporting to relevant authorities.

You are solely responsible for maintaining the confidentiality of your username, password, and any other security credentials associated with your account at Cosmo Casino. You must not disclose your login details to any third party or allow any other person to access or use your account, even on a temporary basis. Any use of Cosmo Casino via your login credentials will be deemed to have been carried out by you, and you shall be liable for all such actions, including bets placed and transactions conducted. If you suspect that your account credentials have been compromised, you must immediately notify Cosmo Casino and change your password.

4. Game Availability & Restrictions: VPN Prohibition, Provider-Specific Restrictions, and Blacklisted Regions

Cosmo Casino makes available a range of online casino games, including but not limited to slots, table games, live dealer games, and specialty games, sourced from various third-party game providers. The availability of specific games on Cosmo Casino depends on multiple factors, including licensing arrangements, technical capabilities, and geographic restrictions. Accordingly, not all games may be available to all players, and Cosmo Casino reserves the right to enable or disable specific games for certain jurisdictions or users without prior notice.

You are strictly prohibited from using any virtual private network (VPN), proxy server, IP-masking technology, or similar tools for the purpose of circumventing geographic restrictions, blocking, or monitoring implemented by Cosmo Casino or any third-party game providers. If Cosmo Casino reasonably determines that you have used a VPN or similar technology to access games or services that are restricted in your actual location, it may void any bets and winnings derived from such activity, seize related funds, and close or restrict your account at Cosmo Casino. Such conduct may also be considered a breach of applicable laws or regulations.

Certain game providers impose jurisdiction-specific restrictions on their products, including prohibitions on offering or using particular games from designated territories. For example, some NetEnt games may be restricted or unavailable in specified countries or regions. By using Cosmo Casino, you acknowledge that provider-specific restrictions may apply to you based on your location, and you agree not to attempt to access or use any such restricted content. Cosmo Casino may implement automated or manual blocks to prevent access to provider-restricted games, but it remains your responsibility not to circumvent or violate such restrictions.

Cosmo Casino may also maintain a list of blacklisted or prohibited regions from which it will not accept players or wagers. While Cosmo Casino is tailored to the New Zealand market, residents or located persons in certain countries or territories may be restricted from registering, depositing, or playing due to regulatory or risk-based considerations. Cosmo Casino may update its list of blacklisted regions at any time, and if you are found to be playing from or domiciled in such a region, your account may be suspended or closed, and your transactions may be voided.

In accordance with its licensing and compliance obligations, Cosmo Casino may implement geolocation technologies and perform IP address checks to determine your apparent location when accessing Cosmo Casino. If there are discrepancies between your declared address and your apparent geolocation, Cosmo Casino may request additional documentation, temporarily freeze your account, or restrict your access to certain games. You agree to cooperate fully with any such checks and to refrain from any conduct that would mislead or interfere with these verification processes.

If any game malfunctions or displays incorrect information or behavior due to a technical error, configuration issue, or provider failure, Cosmo Casino reserves the right to temporarily disable that game on Cosmo Casino and to void any bets and winnings associated with such malfunction. Game availability is offered on an “as is” and “as available” basis, and Cosmo Casino does not guarantee that any particular game will remain continuously available or error-free. Your sole remedy for any unavailability is the refund of the stake placed on the affected game, where appropriate and subject to further provisions of these Terms and Conditions.

5. Dormant and Inactive Accounts: Definition of Inactivity, Administrative Fees, and Balance Management

An account at Cosmo Casino will be deemed “Inactive” if you have not logged in, placed a bet, made a deposit, or otherwise engaged in any real-money gaming activity for a continuous period of twelve (12) months. Cosmo Casino will make reasonable efforts to notify you via email before your account becomes Inactive and to remind you of the potential consequences as defined in these Terms and Conditions. It is your responsibility to ensure that your contact details remain accurate and that emails from Cosmo Casino are not blocked or filtered.

Once your account is classified as Inactive, Cosmo Casino reserves the right to charge a monthly administrative fee to cover account maintenance, security, and related operational costs. The standard administrative fee is set at ten euros (€10) or the equivalent in your account currency, deducted from your real-money balance each month during the period of inactivity. If your balance at Cosmo Casino is lower than the applicable monthly fee, Cosmo Casino may deduct the remaining available amount, resulting in a zero balance, without causing your account to go into a negative balance.

Administrative fees will only be deducted from Inactive accounts with a positive real-money balance. Bonus funds, locked funds, or non-withdrawable credits are not considered real-money balances for the purposes of inactivity fee deductions. If your account at Cosmo Casino reaches a balance of zero as a result of inactivity fee deductions, no further inactivity fees will be charged. Cosmo Casino will maintain records of all such deductions, which can be made available to you upon request.

If your account remains Inactive for a prolonged period, Cosmo Casino may classify it as “Dormant” or “Closed” in accordance with its internal policies and applicable law. In such cases, Cosmo Casino may be required to retain or remit any remaining balance in accordance with unclaimed property, escheatment, or similar laws, where applicable. For New Zealand-based players, any such treatment will comply with generally accepted principles of consumer protection and applicable local regulations. You acknowledge that failure to access your account at Cosmo Casino for periods longer than twelve (12) months may lead to the loss of access to your account and associated funds due to inactivity-related fees and legal obligations.

You may reactivate an Inactive account at any time by logging in and performing any qualifying activity, such as placing a bet, making a deposit, or participating in gameplay on Cosmo Casino. Upon reactivation, Cosmo Casino will cease applying further inactivity fees going forward; however, previously deducted fees will not be refunded unless required by mandatory law. Cosmo Casino may, at its discretion and on a case-by-case basis, waive or refund a portion of inactivity fees as a gesture of goodwill, but such decisions do not create a precedent or right for any other Player.

Cosmo Casino reserves the right to close accounts it deems permanently abandoned or for which ownership cannot be reasonably verified. Before closing any such account with a positive real-money balance, Cosmo Casino will make reasonable attempts to contact you via the last-known contact details associated with your account at Cosmo Casino. If no response is received within a reasonable timeframe, Cosmo Casino may treat the funds in accordance with applicable laws or licensing obligations, and such closure shall not be considered a breach of this Agreement.

6. Currencies and Crypto: Support for Fiat and Cryptocurrencies, Exchange Rates, and Conversion Fees

Cosmo Casino allows you to maintain an account balance and conduct transactions in various fiat currencies and supported cryptocurrencies, subject to availability and jurisdictional constraints. Primary fiat currencies may include, without limitation, New Zealand dollars (NZD), euros (EUR), United States dollars (USD), and other currencies as displayed on Cosmo Casino. Supported cryptocurrencies may include Bitcoin (BTC), Ethereum (ETH), Tether (USDT), and other digital assets that Cosmo Casino chooses to accept from time to time. The specific list of supported currencies and crypto-assets shall be indicated on the Website and may be amended at Cosmo Casino’s discretion.

When you choose to deposit using a cryptocurrency, Cosmo Casino will credit your account at Cosmo Casino in either a designated crypto-denominated balance or an equivalent fiat balance, depending on the structure of the relevant product offering. In cases where a conversion is required (for example, from BTC to NZD), Cosmo Casino will apply an exchange rate determined by reference to one or more reputable market data providers at or near the time of the transaction. Due to market volatility, actual credited amounts may differ from any pre-displayed estimates, and by using cryptocurrency deposits, you accept such volatility and associated exchange risks.

Cosmo Casino may charge currency conversion fees or spread-based margins in connection with converting one currency to another, including conversions between cryptocurrencies and fiat currencies. Any such fees will either be disclosed explicitly at the time of the transaction or embedded in the exchange rate applied by Cosmo Casino when crediting your account on Cosmo Casino. You acknowledge that third-party payment processors, crypto gateways, or wallet providers may also charge fees for deposits and withdrawals, and that these fees are independent of any charges applied by Cosmo Casino.

For clarity, cryptocurrency transactions are irreversible at the protocol level once broadcast and confirmed on the respective blockchain. When sending crypto-assets to Cosmo Casino, you must ensure that the deposit address, network, and amount are correct, as Cosmo Casino shall not be liable for funds lost due to incorrect addresses, unsupported networks, or user error. Cosmo Casino may, but is not obliged to, assist in attempting to recover misdirected funds at its discretion, and may charge an administrative fee for any recovery attempts. Any uncredited crypto deposits must be reported to Cosmo Casino customer support with adequate proof of transaction.

The following table illustrates an example of how currency conversion rates might be conceptually applied by Cosmo Casino. These values are for illustrative purposes only and do not represent live or binding rates on Cosmo Casino:

| Base Currency | Target Currency | Illustrative Rate | Notes | | NZD | EUR | 0.55 | Example only; actual rate determined at time of conversion | | NZD | USD | 0.60 | Example only; subject to market fluctuation | | BTC | NZD | 60000.00 | Example only; based on indicative BTC/NZD reference | | ETH | NZD | 4000.00 | Example only; based on indicative ETH/NZD reference |

Cosmo Casino may impose limits on the use of particular currencies or cryptocurrencies, including deposit and withdrawal thresholds, pending times, or additional verification requirements for crypto-related transactions. These measures may be implemented in light of anti-money laundering (AML) and counter-terrorist financing (CTF) obligations, as well as to manage operational and volatility risks. Detailed information about supported currencies and any associated constraints shall be accessible via Cosmo Casino or by contacting customer support.

In the event of any dispute or discrepancy regarding the currency or amount credited to your account at Cosmo Casino following a fiat or cryptocurrency transaction, the transaction records and logs maintained by Cosmo Casino and its payment providers shall be deemed authoritative, subject to manifest error. You agree to notify Cosmo Casino promptly if you believe that an incorrect credit or debit has been applied to your account, and to cooperate with any investigation. Cosmo Casino reserves the right to correct any such errors, including by reversing transactions, adjusting balances on Cosmo Casino, or recovering funds credited in error, even after withdrawals have been requested or processed, to the fullest extent permitted by law.

7. Deposit Policy: Minimum/Maximum Limits, Prohibition of Third-Party Payments, and Conversion Rules

To participate in real-money gaming at Cosmo Casino, you must deposit funds into your player account using one of the supported payment methods. Cosmo Casino may specify minimum and maximum deposit amounts for each payment method, which may vary by jurisdiction, currency, and account status. Information about current deposit limits is provided on the Website and/or during the deposit process. Cosmo Casino may modify deposit limits at any time, including imposing individualized limits for risk management, responsible gambling, or regulatory compliance reasons.

Deposits must only be made from payment instruments (such as bank accounts, credit/debit cards, e-wallets, or crypto wallets) that are registered in your own name. Third-party deposits, including those made on your behalf by family members, friends, or any other person, are strictly prohibited. By depositing at Cosmo Casino, you confirm that you are the rightful owner and controller of the funds and the payment instrument used. In the event that Cosmo Casino identifies or reasonably suspects third-party payments, it may void related transactions, return funds to the source where possible, and freeze or close your account at Cosmo Casino.

All deposits are subject to security and anti-fraud checks, and Cosmo Casino reserves the right to request additional information or documents before crediting any deposit. In particular, crypto deposits may require multiple blockchain confirmations before being credited to your account at Cosmo Casino, which may take varying amounts of time depending on network congestion and other factors. Cosmo Casino shall not be liable for delays caused by third-party payment processors, blockchain network conditions, or financial institutions.

When you deposit in a currency different from the base currency of your account at Cosmo Casino, the deposit amount will be converted at an exchange rate determined by Cosmo Casino or its payment processor at the time of the transaction. Conversion rules, including the application of spread or conversion fees, will follow the principles set out in Section 6 of these Terms and Conditions. You acknowledge and accept any associated currency risk arising from fluctuations in exchange rates between the time of deposit and subsequent wagering or withdrawal on Cosmo Casino.

The following table provides an illustrative example of deposit and withdrawal limits that may be applied by Cosmo Casino. The figures in this table are not binding and may differ from the actual limits in effect on Cosmo Casino:

Deposits made at Cosmo Casino are intended solely for the purpose of wagering on games available on Cosmo Casino. Cosmo Casino reserves the right to treat minimal or no game activity following deposits, followed by withdrawal requests, as potential abuse or misuse of payment methods. In such cases, Cosmo Casino may cancel the transaction, charge reasonable administrative fees, and/or require you to wager deposited amounts a certain number of times before approving any withdrawal, where permitted by law and licensing conditions.

By making a deposit on Cosmo Casino, you accept that Cosmo Casino may hold your funds in segregated or pooled accounts, potentially held in multiple jurisdictions, in accordance with licensing and banking arrangements. While Cosmo Casino will exercise reasonable care in safeguarding client funds, you acknowledge that absolute segregation or insurance may not always be guaranteed. In the event of insolvency or force majeure, your claim to funds may be subject to applicable insolvency law and the specific protections (if any) offered by the relevant licensing framework.

8. Withdrawal Policy: Processing Times, KYC Verification, Payout Limits, and Progressive Jackpot Exceptions

You may request withdrawals of available funds from your account at Cosmo Casino at any time, subject to these Terms and Conditions, applicable limits, and completion of all required verification checks. Cosmo Casino aims to process withdrawal requests within zero (0) to forty-eight (48) hours from the time a complete, valid request is submitted, excluding weekends and public holidays, although actual times may vary. Internal reviews, third-party payment processor delays, or additional security checks may extend processing times at Cosmo Casino’s discretion and in accordance with regulatory duties.

Cosmo Casino adheres to strict Know Your Customer (KYC) and anti-money laundering (AML) procedures. For this reason, your first withdrawal or any subsequent withdrawal exceeding certain thresholds will not be processed until your identity, age, address, and payment method ownership have been verified to Cosmo Casino’s satisfaction. KYC verification may take up to thirty (30) days from the date all requested documents are provided, though Cosmo Casino will endeavor to complete such checks as quickly as reasonably possible. Failure to provide complete and accurate KYC documents may result in cancellation of withdrawal requests and potential restriction or closure of your account on Cosmo Casino.

The following table provides an illustrative overview of typical KYC document requirements for New Zealand-based players registering and withdrawing at Cosmo Casino. Actual requirements may differ depending on risk assessment and regulatory obligations:

Cosmo Casino may impose daily, weekly, or monthly withdrawal limits to manage risk, comply with AML/CTF rules, or satisfy game provider and banking constraints. For example, a standard monthly withdrawal limit may be set at a certain amount equivalent in NZD for regular players, with higher limits potentially available to VIP or high-tier users. These limits will be specified on Cosmo Casino or communicated directly to you by customer support. Cosmo Casino reserves the right to pay large winnings, excluding progressive jackpots, in instalments over multiple periods in accordance with such limits.

Withdrawals will, whenever possible, be processed via the same payment method and in the same currency used for deposits. Where this is not technically or legally feasible, Cosmo Casino may request that you select an alternative payment method in your own name, subject to further verification. You acknowledge that certain payment providers may be unavailable in specific jurisdictions, including New Zealand, and that Cosmo Casino shall not be liable for any inability to process withdrawals via a specific method on Cosmo Casino. Bank charges, intermediary fees, or crypto network fees related to withdrawals may be deducted from the payout amount, where applicable.

Progressive jackpot wins may be subject to special rules and exceptions. In the event you win a progressive jackpot on Cosmo Casino, the full amount of the jackpot shall be payable in accordance with the rules of the respective game provider and any applicable licensing requirements, which may involve direct payment by the provider rather than Cosmo Casino. Progressive jackpot payouts may not be subject to the standard monthly withdrawal limits but may be subject to additional verification and approval processes. Cosmo Casino reserves the right to verify the win with the game provider, and the payout may be delayed pending this confirmation.

If Cosmo Casino reasonably believes that a withdrawal request has been made in breach of these Terms and Conditions, or is associated with fraud, money laundering, chargebacks, or other prohibited activity, it may freeze the relevant funds, refuse or delay processing, and conduct an investigation. In such circumstances, Cosmo Casino may also report suspicious transactions to relevant authorities as required by law. You agree to cooperate with any such investigations concerning your account at Cosmo Casino and understand that failure to do so may result in the forfeiture of funds and closure of your account on Cosmo Casino.

9. Refund Policy: 24-Hour/30-Day Request Windows and Identity Verification for Refunds

Deposits made to your account at Cosmo Casino are generally final and non-refundable once they have been used for wagering, except as expressly provided in this Refund Policy or required by applicable law. Cosmo Casino recognizes that, in exceptional circumstances, you may request a refund of an unused deposit or transaction. Such refund requests will be considered by Cosmo Casino on a case-by-case basis, subject to strict conditions and verification.

If you believe that a deposit was made in error (for example, due to a technical issue or mistaken amount), you must contact Cosmo Casino customer support as soon as possible and in any event within twenty-four (24) hours of the transaction. You must provide all relevant information, including transaction reference, payment method, date, and amount, as well as a detailed explanation of the circumstances. Cosmo Casino will review the request and may, at its discretion, approve or deny the refund in accordance with these Terms and Conditions and any applicable law.

For disputed transactions or chargeback-related issues where you claim not to have authorized a transaction at Cosmo Casino, you must notify Cosmo Casino within thirty (30) days of the disputed transaction appearing on your statement or within such shorter period as required by your payment provider. Cosmo Casino may require you to provide identity verification and proof of ownership of the relevant payment account as a precondition for processing any refund. If you initiate an unjustified chargeback or dispute with your payment provider while simultaneously using or retaining funds at Cosmo Casino, the Company may suspend or close your account and may seek to recover any costs or losses incurred.

Refunds, where approved, may be subject to reversal of any bonuses or promotions associated with the refunded deposits. If you have already used the deposit to place bets at Cosmo Casino, and such bets have been settled, Cosmo Casino may decline to refund the relevant amount, as the outcome of wagers is considered final. In rare cases, where a technical error or malfunction has affected the validity of bets or credited balances, Cosmo Casino may, at its discretion, void the affected bets and refund the related stake.

Cosmo Casino reserves the right to process refunds only via the original payment method used for the deposit, where technically feasible. If this is not possible, Cosmo Casino may request an alternative method in your name, subject to additional verification. Any crypto-related refund will be subject to current market rates and network conditions when processed by Cosmo Casino, and you acknowledge that due to volatility, the amount eventually received in cryptocurrency may differ from the original value at the time of the deposit or playing on Cosmo Casino.

You acknowledge that misuse of refund or chargeback mechanisms, including seeking reversals for validly authorized and consumed gambling transactions, constitutes a breach of these Terms and Conditions. In case of such misuse, Cosmo Casino may blacklist your details, share information with other operators and payment providers to prevent further abuse, and pursue legal action or debt recovery as permitted by law. By using Cosmo Casino, you agree that any refunds are granted solely at the discretion of Cosmo Casino, subject to applicable consumer protection laws, and that there is no automatic entitlement to refunds for gambling-related losses.

10. Anti-Fraud & AML: Fraud Prevention Tools, Collusion Detection, and Consequences of Suspicious Activity

Cosmo Casino implements robust anti-fraud and anti-money laundering (AML) measures in line with international standards and licensing requirements. By using Cosmo Casino, you consent to Cosmo Casino conducting checks and monitoring your account activity to detect and prevent fraud, money laundering, terrorist financing, and other illegal or abusive conduct. These measures may include, without limitation, identity verification, transaction monitoring, IP and device fingerprinting, behavioral analytics, and cooperation with payment providers, game suppliers, and regulatory authorities.

You agree that you will not engage in any fraudulent, collusive, or unlawful behavior while using Cosmo Casino, including but not limited to: using stolen or unauthorized payment methods; chargeback abuse; manipulation of software, bugs, or exploits; use of bots or automated systems to place bets; collusion with other players to gain unfair advantage; or any other behavior intended to defraud Cosmo Casino, its players, or third parties. You further agree not to use the services of Cosmo Casino as a conduit for transferring or laundering funds, whether via fiat or cryptocurrencies.

Cosmo Casino may temporarily or permanently suspend your account, freeze funds, cancel bets, and void winnings if it suspects or detects any suspicious activity. Suspicious activity encompasses any conduct that Cosmo Casino reasonably believes may violate these Terms and Conditions, applicable AML/CTF laws, or the integrity of the games or transactions on Cosmo Casino. In serious cases, Cosmo Casino may file suspicious activity reports with financial intelligence units, law enforcement agencies, licensing authorities, and other relevant institutions, providing details of your account and transactions as required.

In addition to monitoring individual accounts at Cosmo Casino, the Company may collaborate with third-party fraud prevention and risk management providers. This may involve sharing limited personal data and transaction details in accordance with applicable data protection laws to prevent and detect fraud across multiple platforms. By accepting these Terms and Conditions, you authorize Cosmo Casino to employ such third-party tools and services in connection with your use of Cosmo Casino.

If Cosmo Casino confirms that you have engaged in fraudulent, collusive, or otherwise unlawful conduct, it may confiscate any relevant balances and winnings, close your account at Cosmo Casino, and refuse to open any new accounts for you in the future. Where appropriate, Cosmo Casino may also claim compensation for damages, costs, and expenses incurred as a result of your actions, including legal and professional fees. You may also be subject to civil or criminal liability under applicable laws for fraud, money laundering, or related offenses.

Cosmo Casino reserves the right to request additional KYC documents or information at any time, even if such requests arise long after your initial registration or verification, particularly where there are changes in your betting patterns, unusually large deposits or withdrawals, or otherwise unusual activity. Failure to provide such information in a timely and truthful manner may result in the suspension of your account on Cosmo Casino and possible reporting to relevant authorities. These measures are essential to maintain the security, integrity, and legality of the services provided by Cosmo Casino.

11. Responsible Gaming: Deposit Limits, Self-Exclusion, and Cooling-Off Periods

Cosmo Casino supports responsible gaming practices and is committed to providing tools and resources to help players manage their gambling behavior. By using Cosmo Casino, you acknowledge that gambling can be addictive and may lead to financial loss or other negative consequences if not managed responsibly. Cosmo Casino encourages you to gamble for entertainment purposes only, and to never wager money that you cannot afford to lose.

You may set various limits on your account at Cosmo Casino to help control your gaming activity, such as daily, weekly, or monthly deposit limits, loss limits, or wagering limits, subject to technical availability. These limits can generally be configured within your account settings on Cosmo Casino or by contacting customer support. Any request to decrease limits will be applied as soon as reasonably practicable, while requests to increase or remove limits may be subject to a cooling-off period to help prevent impulsive decisions. Cosmo Casino may, in some cases, impose mandatory limits based on observed behavior or regulatory requirements.

The following table provides an illustrative overview of responsible gaming limits that may be made available to players on Cosmo Casino. Actual availability and parameters may differ:

If you feel that your gambling is becoming problematic, you may request a temporary cooling-off period or a longer-term self-exclusion from Cosmo Casino. During a cooling-off period, your account at Cosmo Casino will be temporarily suspended, and you will not be able to deposit, place bets, or access real-money games. Cooling-off periods may range from 24 hours to several weeks, as offered on the Website. Self-exclusion is a more permanent measure, typically lasting for six (6) months or longer, during which time your account will remain closed and you will not be permitted to open new accounts.

Requests for self-exclusion must be made through the tools provided on Cosmo Casino or by contacting customer support directly. Cosmo Casino will take reasonable steps to enforce self-exclusion measures; however, you acknowledge that responsibility ultimately lies with you not to attempt to circumvent restrictions by creating new accounts or using different personal details. If Cosmo Casino discovers such circumvention, it may close the newly created accounts and void any associated transactions at its discretion.

Cosmo Casino may provide links or references to external support organizations and helplines that specialize in problem gambling, including services based in or accessible from New Zealand. These resources are made available for informational purposes only, and Cosmo Casino does not control or endorse the content or services of third-party organizations. If you are concerned about your gambling behavior on Cosmo Casino, you are strongly encouraged to seek professional advice and support from qualified organizations.

In certain circumstances, Cosmo Casino may, at its discretion or in compliance with regulatory guidance, proactively intervene in your account usage. This may include sending warnings about your gambling patterns, imposing or suggesting additional limits, or initiating self-exclusion measures if there is strong evidence of problem gambling. Such interventions on Cosmo Casino are intended to promote responsible gaming and do not constitute any admission of liability for losses you may incur as a result of your gambling activities.

12. Limitation of Liability: Disclaimer Regarding Technical Errors, Financial Losses, and Software Defects

Your use of the services provided by Cosmo Casino through Cosmo Casino is at your sole risk. While Cosmo Casino endeavors to provide a safe, secure, and fair gaming environment, it makes no warranty or representation, express or implied, regarding the uninterrupted availability, error-free operation, or reliability of the Website, software, or games. From time to time, technical issues, system maintenance, internet connectivity problems, or third-party failures may cause disruptions, delays, or malfunctions beyond the reasonable control of Cosmo Casino.

Cosmo Casino shall not be liable for any loss, damage, or expense, whether direct or indirect, arising from any failure of telecommunications or equipment, system outages, downtime, delays, or technical defects in the operation of Cosmo Casino or the games offered thereon, except to the extent required by mandatory law. In the event of a system or game malfunction that affects bet placement, settlement, or account balances, Cosmo Casino reserves the right to void affected bets, restore account balances to the state prior to the malfunction, or otherwise take corrective actions it deems appropriate and equitable, subject to applicable law.

You acknowledge that gambling involves a risk of financial loss and that no strategy, system, or advice can guarantee winnings on Cosmo Casino. Cosmo Casino does not provide investment, financial, or betting advice and shall not be responsible for your decisions regarding the size or frequency of your wagers. To the maximum extent permitted by law, Cosmo Casino shall not be liable for any loss of profits, loss of data, business interruption, or any indirect, consequential, or special damages arising from your use of the services, even if Cosmo Casino has been advised of the possibility of such damages.

Nothing in these Terms and Conditions shall exclude or limit Cosmo Casino’s liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law. To the extent that Cosmo Casino is found liable for any claim arising out of or in connection with your use of Cosmo Casino, its total aggregate liability shall, in all circumstances, be limited to the lesser of: (a) the amount of the disputed bet(s) or transaction(s); or (b) the total amount of deposits you have made into your account at Cosmo Casino in the six (6) months prior to the event giving rise to the claim.

You agree to indemnify and hold harmless Cosmo Casino, its affiliates, directors, officers, employees, and agents from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses, including legal fees, arising out of or in connection with: (a) your breach of these Terms and Conditions; (b) your violation of any applicable law or rights of a third party; or (c) your use of Cosmo Casino and its services, including any content or information submitted by you. Cosmo Casino reserves the right to assume the exclusive defense of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with such defense.

The services provided by Cosmo Casino, including its games and software, are offered on an “as is” and “as available” basis. To the fullest extent permitted by law, Cosmo Casino disclaims all warranties, conditions, or representations of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, or compatibility with any particular device, operating system, or browser. By using Cosmo Casino, you accept these limitations as a condition of accessing the services.

13. Intellectual Property: Copyrights, Trademarks, and Personal Use Restrictions

All intellectual property rights in and to Cosmo Casino, including but not limited to the Website design, underlying code, software, databases, graphics, text, logos, trade names, trademarks, audio-visual content, and other materials (collectively, the “Content”), are owned or licensed by Cosmo Casino or its third-party licensors. You acknowledge that you do not acquire any ownership rights in the Content by using the services of Cosmo Casino, and that all such rights are reserved.

The name “Cosmo Casino”, the domain ipics2016.org, and any associated logos, trade dress, or slogans are trademarks or service marks of Cosmo Casino or its affiliated entities. You may not use, reproduce, display, or distribute these trademarks or any confusingly similar marks without the prior written consent of Cosmo Casino. Unauthorized use of the Cosmo Casino brand or the Cosmo Casino domain in domain registrations, social media profiles, marketing materials, or any other context is strictly prohibited and may result in legal action.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use Cosmo Casino and the Content solely for your personal, non-commercial entertainment purposes, subject to these Terms and Conditions. You may not, without the prior written consent of Cosmo Casino, copy, modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works based on the Content or any part of the Website. Any unauthorized reproduction or redistribution of the games or software used on Cosmo Casino is expressly prohibited and may result in severe civil and criminal penalties.

You further agree not to use any automated system, scraper, spider, robot, or other data-mining tools to access, retrieve, index, or in any way gather data from Cosmo Casino for commercial or non-personal purposes. You may not frame or deep-link to Cosmo Casino or otherwise present the Content in a manner that implies an association with or endorsement by Cosmo Casino without explicit written permission. Any rights not expressly granted to you in these Terms and Conditions are reserved by Cosmo Casino and its licensors.

If you upload, submit, or otherwise provide any content to Cosmo Casino, including testimonials, reviews, suggestions, or feedback regarding Cosmo Casino, you grant Cosmo Casino a worldwide, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, adapt, publish, translate, distribute, and display such content in any media, for any lawful purpose connected with operating or promoting Cosmo Casino. You represent and warrant that you have all necessary rights to grant this license and that your content does not infringe the intellectual property or other rights of any third party.

Cosmo Casino respects the intellectual property rights of others and expects you to do the same. If you believe that any content available on Cosmo Casino infringes your copyright or other intellectual property rights, you should notify Cosmo Casino in writing, providing sufficient detail to identify the allegedly infringing material and your ownership interest. Cosmo Casino will investigate such claims and may remove or disable access to the disputed content where appropriate, without prejudice to any of its other rights or remedies.

14. Complaints & Arbitration: Dispute Resolution Process and Governing Law

If you have any concerns, complaints, or disputes relating to your use of Cosmo Casino, you should first contact Cosmo Casino’s customer support team. Complaints must be submitted as soon as reasonably possible after the event giving rise to the complaint, and in any case within a reasonable timeframe, providing full details of the issue, including relevant dates, game identifiers, transaction IDs, and supporting evidence. Cosmo Casino will acknowledge receipt of your complaint and will endeavor to investigate and respond within a reasonable period, taking into account the complexity of the matter.

In the event that you are dissatisfied with the initial response from Cosmo Casino, you may request that the complaint be escalated to a manager or compliance officer for further review. Cosmo Casino may request additional information or documentation to fully assess your complaint, and you agree to cooperate in good faith with the investigation. All communications regarding complaints and disputes at Cosmo Casino shall be conducted in a respectful and factual manner; abusive or threatening language may result in the termination of communication and potential account action.

Where internal resolution efforts have been exhausted and the dispute remains unresolved, the parties may agree to submit the dispute to binding arbitration or to an alternative dispute resolution (ADR) body, where available and appropriate under the applicable licensing framework. The specific ADR or arbitration mechanism, including any rules, costs, and procedures, will be communicated to you by Cosmo Casino at the relevant time. By accepting these Terms and Conditions, you agree that you will not file or participate in any group, class, or collective legal action against Cosmo Casino or its affiliates in relation to your use of Cosmo Casino, to the fullest extent permitted by law.

Unless otherwise required by the specific gambling license under which Cosmo Casino operates in relation to players from New Zealand, these Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws of Curacao, without giving effect to its conflict-of-law principles. You irrevocably agree that, subject to any applicable arbitration or ADR provisions, the courts of Curacao shall have exclusive jurisdiction to settle any such dispute or claim arising from or relating to Cosmo Casino and your use of the services.

If Cosmo Casino is required under a future licensing arrangement specific to New Zealand to adopt a different governing law or dispute resolution mechanism for New Zealand-based players, such requirements will supersede the above to the extent necessary and will be reflected in an updated version of these Terms and Conditions. In such case, the updated information will be published on Cosmo Casino, and you will be deemed to have accepted the new arrangement by continuing to use the services.

You acknowledge and agree that any claim or cause of action arising out of or related to your use of Cosmo Casino or these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose, or be forever barred, unless a longer period is provided by mandatory law. This limitation period applies to all disputes and complaints concerning Cosmo Casino, including but not limited to those relating to account balances, game outcomes, bonuses, or alleged technical errors.

The complaints and arbitration provisions of this section are without prejudice to any rights you may have under mandatory consumer protection legislation applicable in New Zealand, where such legislation cannot be excluded or limited by contract. In all other respects, you agree that the procedures set out herein shall be your exclusive means of resolving disputes arising in connection with your use of Cosmo Casino and Cosmo Casino.

By creating an account on Cosmo Casino, accessing the Website, or using any of the services offered under the Cosmo Casino brand, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, as they may be amended from time to time. You further acknowledge that this Agreement constitutes a complete and exclusive statement of the terms governing your relationship with Cosmo Casino, superseding any prior or contemporaneous representations, understandings, or agreements, whether written or oral, relating to your use of Cosmo Casino.

You confirm that you are at least 18 years of age, that you have the legal capacity to enter into this Agreement, and that you are not accessing Cosmo Casino from a jurisdiction where online gambling is prohibited or restricted in a manner that would render your participation unlawful. You accept full responsibility for your compliance with all applicable laws and regulations when accessing and using Cosmo Casino, and you understand that Cosmo Casino does not provide legal advice or guarantees as to the legality of online gambling in any particular jurisdiction.

You consent to the use of electronic communications for the purposes of entering into contracts, receiving notices, and maintaining records in connection with your use of Cosmo Casino. You agree that all electronic communications sent to you via email or through Cosmo Casino shall satisfy any legal requirement that such communications be in writing. You also consent to Cosmo Casino’s processing of your personal data in accordance with applicable privacy and data protection laws, as further described in the privacy documentation made available on the Website.

You acknowledge that Cosmo Casino may, at its sole discretion and at any time, suspend or terminate your account, restrict your access to Cosmo Casino, or take any other action it deems necessary to enforce these Terms and Conditions, to protect other players, or to comply with legal and regulatory obligations. Upon termination of your account, any remaining funds will be handled in accordance with this Agreement and applicable law, and your right to access and use the services of Cosmo Casino will cease.

By continuing to access and use Cosmo Casino after any amendments to these Terms and Conditions have been posted, you agree to be bound by the Agreement as amended. If you do not wish to accept the revised Terms and Conditions, you must stop using the services of Cosmo Casino and close your account. Your continued use of the Website constitutes your ongoing acknowledgement and acceptance of the applicable Terms and Conditions governing your relationship with Cosmo Casino.