REFUND POLICY

1. Introduction

This Refund Policy sets out the circumstances in which Middle Kang B.V. (the “Licensee”), operator of https://www.tambet724.com, may refund deposits, cancel wagers, void game rounds or remit funds to players, together with the applicable process. It should be read together with the Terms and Conditions (in particular Sections 6, 8 and 10) and the KYC and AML/CFT Policies.

2. General Principles

• No refund of a deposit can be made once the deposit (or the relevant part of it) has been used for wagering on the Services, save where expressly provided in this Policy.
• Refunds are remitted, as the default rule, to the payment instrument or wallet from which the corresponding deposit was received (closed-loop remittance).
• Refunds are subject in all cases to successful completion of KYC and to the Licensee's AML/CFT obligations.
• The Licensee does not apply a fee for processing a refund, save where the originating payment processor or intermediary imposes a cost on the Licensee, in which case that cost may be passed on. Cryptocurrency network fees are borne by the player.

3. Grounds on Which a Refund or Remedy May Be Granted

The Licensee may refund a deposit, void a wager, cancel a game round or otherwise restore a player's position, in (and limited to) the following circumstances:

3.1 Unused Deposits

A deposit that has not been used for any wagering activity may be refunded upon request, subject to KYC and to any reasonable handling fee disclosed in the cashier. A refund request for an unused deposit must be submitted within twenty-four (24) hours of the deposit.

3.2 Unauthorised Access

Where a player provides a sworn statement (and, where reasonably required, supporting evidence) that another individual (including a minor) has accessed the player's account without authorisation, the Licensee will investigate and may refund amounts affected by the unauthorised access, provided that the request is submitted within thirty (30) days of the relevant activity and the player has complied with the account-security obligations in the Terms and Conditions.

3.3 Manifest Error in Odds or Pay-Tables

Where a wager has been accepted at odds, a price or a pay-table value that is manifestly erroneous, the affected wager may be voided and the stake refunded. Where a wager has settled at a manifestly erroneous price, the Licensee may restore the player to the position they would have occupied had the correct price been applied.

3.4 Software Bug or Technical Failure

Where a game, a game round or a wager is affected by a software bug, technical failure, interruption or disconnection, the Licensee will, in its reasonable determination, either (i) complete the round at the point of interruption, (ii) void the round and refund the stake, or (iii) restore the player to the position they would have occupied absent the failure. Progressive-jackpot contributions made during an affected round are treated consistently with the chosen remedy.

3.5 Live-Dealer Error

Where a dealer, studio operator or studio equipment error affects the outcome of a live-dealer round, that round may be voided in whole or in part and stakes refunded. Where the error affects only a subset of participants, only those participants will be subject to the remedy.

3.6 Event Cancellation or Abandonment

Where the underlying sporting or other event on which a wager has been placed is cancelled, postponed beyond a reasonable period, or abandoned before the market-specific settlement criteria are met, the wager will be voided and the stake refunded, save where the published market-specific rules provide otherwise.

3.7 Regulatory or Court-Ordered Refunds

Where required by a court order, regulatory directive or applicable law, the Licensee will refund, freeze or otherwise handle funds as directed, regardless of any other provision of this Policy.

4. Process for Requesting a Refund

• Refund requests must be submitted in writing to [email protected] from the player's registered email address, and must include the player's account identifier, the transaction reference, the amount, the ground relied upon, and any supporting information.
• The Licensee will acknowledge receipt within a reasonable time and will indicate the expected timeline for a determination.
• The Licensee may request additional documentation to assess the request, including identification documents, proof of payment, proof of wallet ownership (for cryptocurrency), affidavits in the case of unauthorised access, and other supporting documents.
• Where the player fails to provide requested information within three (3) business days of request (or such longer period as the Licensee may reasonably allow), the Licensee may deny the refund request.
• The Licensee will notify the player in writing of the outcome of the refund request, with reasons, save where disclosing reasons would contravene the Licensee's AML/CFT obligations (including, without limitation, the tipping-off prohibition).

5. Refunds to Third-Party Payment Aggregators

Where a deposit has been made via a payment aggregator and the refund request relates to a dispute with that aggregator (rather than with the Licensee or its services), the player must address the request directly to the aggregator. The Licensee will cooperate with reasonable information requests from the aggregator.

6. Cryptocurrency Refunds

• Cryptocurrency refunds are remitted, as the default rule, to the originating wallet address. Where the originating address is unavailable, lost, deactivated, non-compliant or sanctioned, the Licensee will request an alternative verified wallet address in the player's name, and will remit only after verification, in accordance with Section 7.2 of the Terms and Conditions.
• Network/miner fees are borne by the player and may be deducted from the refund amount.
• For delisted tokens and in the event of a chain fork, the rules in Section 7.2 of the Terms and Conditions apply.

7. Interaction with Bonuses and Winnings

Where a refund is granted in respect of a deposit that has triggered a bonus, any associated bonus funds and bonus winnings will be forfeited, and the Licensee may reverse any associated bonus-related balances, subject to the Bonus Terms. The Licensee will not unilaterally confiscate legitimately earned winnings outside the limited grounds set out in Section 10 of the Terms and Conditions.

8. Withholding Pending Verification

The Licensee may withhold, delay or reverse a refund pending completion of KYC, sanctions/PEP screening, source-of-funds review, or any investigation into suspected fraud, collusion, bonus abuse, money laundering or other breach of the Terms and Conditions. Where the verification or investigation concludes that the player is not entitled to the refund (for example, because funds are determined to be the proceeds of crime), the refund will be denied and funds dealt with in accordance with applicable law.

9. Amendments

This Policy is reviewed periodically and amended in line with regulatory change and operational experience. Amendments will be published on the Website and notified to players in accordance with Section 2.2 of the Terms and Conditions.