BY CHECKING THE "I AGREE" BOX IN THE PLAYER ACCOUNT REGISTRATION FORM YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREED TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT, THE BONUS POLICY, THE GAMES PROCEDURES AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE WITH ANY OF THE CONDITIONS OF THIS AGREEMENT, DO NOT CHECK THE "I AGREE" BOX AND DO NOT CONTINUE TO USE THE WEBSITE. LOGGING IN THE SCRATCH2CASH WEBSITE AND/OR PLAYING THE GAMES OFFERED THEREIN CONSTITUTES YOUR FULL ACCEPTANCE OF THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT.

This Agreement covers the arrangements between you and us in relation to your use of the scratch2cash Website.

You can not use the scratch2cash Website if you are under 18 years of age under any circumstances. You can only use the scratch2cash Website if you are of legal age as determined by the law of your country of residence.

Online gambling is prohibited in some countries, while in other countries online gambling is legal. Scratch2cash directs its Gaming Services only to users who by law of their home jurisdiction are not prohibited from gambling online.

1. Definitions Unless the context clearly indicates otherwise, the following words and terms shall have the following meaning:

2.Legal Necessities
1. Internet Gambling may not be legal in some jurisdictions. We do not intend that anyone should use Scratch2Cash Website where such use is illegal. The availability of the Scratch2Cash Website does not construe an offer or invitation by us to use the Scratch2Cash Website in any country in which such use is illegal. Persons located in certain countries including, but not limited to, the United States of America, Turkey, and Israel, are not eligible to open an account with us. We reserve the right to amend the list of countries from which we will not accept users of the Scratch2Cash Website, from time to time and at our sole discretion. Use of the Scratch2Cash Website is void wherever prohibited by any applicable law. You accept sole responsibility for determining whether your use of the Website is legal in the country where you live. Scratch2Cash shall not be responsible for any illegal or unauthorized use of this Website by you. Please consult legal counsel in the applicable jurisdiction if you have any doubts about the legality of your use of Scratch2Cash Website under the laws of any jurisdiction that applies to you.

2. Legal age - You can only use the Scratch2Cash Website if you are of legal age as determined by the law of the country where you live. However, you may not use the Scratch2CashWebsite if you are under 18 years of age in any circumstances.

3.Intellectual Property Right
For the avoidance of any doubt, Scratch2Cash is the owner or licensee of the copyright, trademarks and other intellectual property rights and/or the Interactive System and the Games offered on the Website. Players and prospective Players acquire no rights therein. Players and prospective Players acknowledge and agree that they are only permitted to use the Website and the Interactive System and play the Games as expressly set out in these Terms and Conditions. Any use of the Website and the Games offered therein is restricted to personal domestic use only.

All content of the Scratch2Cash Website is for non-commercial, personal use only. Any other use is strictly prohibited.

4.User Responsibilities
At Scratch2Cash Website you will have to login in order to play Scratch2Cash Games. In order to login you will have to open a Player Account which will constitute your I.D thereafter for as long as you use the Website.

By opening a Player Account you confirm and agree that:
1. You are at least 18 years of age.
2. The details submitted by you in the registration forms are correct, true and complete. It is your responsibility to update your Player Account of any changes to your registration details. We may, at our own discretion, if necessary, disclose some of the details submitted to us on the Website to third parties, for the purposes of verification and authentication of those details. Please see our privacy policy for further details.
3. Your Scratch2Cash Player Account is for your personal use only. You may not use your Player Account on behalf of another person. Any use of your Player Account is for your own private purposes only. We take no responsibility for any third party accessing your Player Account and we shall not be liable for any losses incurred by you as a result of such an event. Any activation of your Player Account while using the correct Password and Username will be considered by us a legal entry made by you. If any unauthorized access to your Player Account will come to your knowledge you shall immediately notify us.
4. You fully understand that gambling might result in losing monies and that all losses incurred by you as a result of gambling on our Website are your own and sole responsibility.
5. It is your responsibility to make sure you understand all the rules and procedures of the Games on the Website.

5.Safety Measures
Scratch2cash Secured environment:
Scratch2Cash Interactive System allows access to playing Scratch2Cash Games only by passing our secured networks using state of the art encryption of the Username and Password. You cannot play games on the Scratch2Cash Website without passing our customer security login.

Password and Username:
If you use this Website, you are responsible for maintaining the confidentiality of your Player Account and Password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your Player Account or Password. You must keep your Username and Password confidential and should not disclose them to anybody.

For example, you should:

• Never write or otherwise record your Password in a way that can be understood by someone else
• Never let anyone else know your Password
• Avoid Password details that may be easy to guess such as birthdays/telephone numbers etc
• Inform us immediately (by contacting Scratch2Cash support team) of any unauthorized access to your Player Account or any suspicion that someone else knows your Password.

6.Prohibited use of the Website
You confirm and agree that:

• You are not depositing funds originating from criminal and/or un-authorized activities.
• You are not otherwise conducting criminal activities and/or intending to utilize your Player Account in connection with such activities.
• You are not using or intending to use or intending to allow any other person to use your Player Account in relation to Scratch2Cash Website for any prohibited or unlawful activity, including but not limited to, fraud or money laundering, under the laws of your jurisdiction or any other applicable laws
• The credit/debit card details, or those of any other means of payment used to deposit funds in your Player Account, given by you on the Website, are those of the registered Player Account holder and the card/s are not stolen or reported lost.
• You have not held a Player Account with us that was terminated or suspended and are not considered a compulsive gambler; and You shall not break in, access or attempt to break in to our security measures. In any case of suspected break-in to our Website we shall immediately terminate your Player Account, seize all funds available through that account and notify the relevant authorities

2. If any unlawful activity will be performed through the use of our Website we will be entitled to terminate and/or block your Player Account and seize all funds available through that account. We also reserve the right to disclose any and all details of your Player Account to the relevant authorities.

3. We shall not be responsible under any conditions for any losses or damages sustained through the unlawful or otherwise illegal use of our Website by any person.

7.Payments
1. for the avoidance of doubt it is hereby declared that when speaking of currency in this Agreement the meaning is not limited to U.S. dollars($) and therefore may refer to any other currency in accord with the Player Account choice of currency.
2. A Player holding a Player Account can cash out winnings in a sum not exceeding $10,000 per month. If an account was opened using other currency, such as British pounds or Euro, the cash out amount will be limited to 10,000 units of that currency per month.
3. You understand and agree that you must fully pay all payments due to us as a result of your use of our Website. You also agree that you shall not make any charge-backs or reverse or cancel in any other way the payments due to us. In any such event you will be liable to refund us for any unpaid payment and compensate us for any losses and expenses incurred to us as a result of reversing/charge-back on your part.
4. You understand that all financial account transactions will be handled by us, or a third party on our behalf. We reserve the right for running credit checks with third parties using the information submitted to us by you through the opening of the Player Account or by any other means.
5. We reserve the right to refuse accepting and paying through any means of payment, such as certain credit cards, personal checks, electronic wallets and any other type of payment method.
6. You understand that by accepting any bonus offered by us to you, you are bound by our bonus policy.

8.Scratch2Cash Play
1.Play Modes
As a New Player after opening a Player Account and logging in to the Interactive System you can play at our Website in 2 different play modes: Free Practice Play or Real Money Play.

2.Switching from Free Practice Play to Real Money Play
when you play at Free Practice Play you can switch at any time to Real Money Play by clicking on the "Switch to Real Money" button. After successful submission of the Real Money registration form.

3.Prices of Scratch2Cash Cards
Each Card is to be sold by Scratch2Cash for the price stated in the Game Procedures. However, we reserve the right to issue Cards to Players without charge in connection with special promotions.

4.Play Style of a Scratch2Cash Game
The Play Style of each Game on the Scratch2Cash Website is depicted on the Game Procedure accessible on the Website. You are responsible for reading and understanding the Play Style for each Game. By purchasing a Card you acknowledge that you have read and understood the Play Style.

5.Game result determination
In registering to open a Player Account and Play the Scratch2cash Games, Players acknowledge that:
a.The Scratch2cash Games are Games of chance.
b.The Interactive System attributes value to all Cards, in the pool of Cards, stored on our Website, according to the price table described in the Game Procedure of the relevant Game.
c.The Card issued to you is picked randomly by the Interactive System, from a predetermined pool of cards, at the point of purchase of a Card.

6.Unused cards
Any card purchased by a Player, but was not used by that Player for any reason whatsoever, including technical failure, will be played automatically by the Interactive System on behalf of that Player. The outcome of that Play will be updated automatically into the Player's balance. When logging in the next time, by clicking on the "Game History" button, the Player can see the outcome of the relevant Card.

7.Cancellation of games
Scratch2Cash may at any time announce the cancellation date for an individual Scratch2cash Game. Cancellation notices will be posted on the Scratch2Cash Website. Scratch2Cash may, in exceptional circumstances, close an individual Scratch2Cash Game without giving prior notice.

8.Winning card's information use
Scratch2Cash may publicize some details about any Winnings (the prize and relevant Game name, date of winnings, first name of the winner, country, state and city). Any other personal details of any prize winner can be publicized only with the prior written consent of that person. For more information read our Privacy Policy.

9.Identification authentication and validation
Before a prize may be paid on any winning Card, it must be validated according to this Agreement. We reserve the right to make the sole and final decision as to the Card's winning status and our decision will be final.
A Card would be considered invalid and will not merit any prize in any of the next cases, and in any other case decided so by us:

• The claimant is not the holder of the relevant Player Account.
• The claimant is an unauthorized Player pursuant to the provisions of this Agreement.
• The Card number has been forged and/or any unique feature on the winning Card does not fit precisely with those on the Interactive System.
• The outcome displayed on the Player's end user's system does not match the one made by the Interactive System as recorded by us.

11.Prize definitions
The prizes offered by Scratch2Cash Website may consist of monies or any other commodity as shown on the Game Procedure. Any commodity prize has a money value shown on the Game Procedure. The Player may also choose to receive the money value of a commodity instead of the commodity itself, in accordance with the provisions of the Game Procedure. The money value of the commodity will be in the units of the currency which the Player is playing with. We may, at our sole discretion, change the prizes won from commodity to money values. Any costs connected to winnings of commodities, such as, but not limited to, shipping costs, applicable taxes etc., would be borne by the claimant of the winning prize. In any case of money winnings the prize winner will be responsible for all additional costs relevant to his native jurisdiction. We are not responsible for any taxation on the winnings of Players on our Website.

9. Refund Policy

• No refund can be completed once the alleged deposit (including the bonus) has been played with.
• A refund request will only be considered if it is requested within the 24 hours of the alleged transaction.
• We reserve the right to withhold any refund or reverse transaction until the identity of the Player Account user is adequately established to our satisfaction, in order to ensure that any payment made to us will be honored after a refund has been made. You agree to provide, in case we demand, a notarized identification, or any other certified identification in accordance with the applicable law of your jurisdiction.

10.Dormant Account
If a Player has not logged in to his or her Player Account for 6 months this Player Account would turn into a dormant account. In such a case we will charge a 10% monthly fee of the account balance as a maintenance fee. The first fee would be charged at the end of the sixth month after the last login has been made.

11.NO WARRANTY
All the content of this Website has been carefully compiled but Scratch2Cash does not guarantee the accuracy of such content. THE GAME AND INTERACTIVE SYSTEM ARE PROVIDED "AS IS". WE MAKE NO WARRANTY OR REPRESENTATION, WHETHER EXPRESS OR IMPLIED, IN RELATION TO THE SATISFACTORY QUALITY, FITNESS FOR PURPOSE, COMPLETENESS OR ACCURACY OF THE GAME OR INTERACTIVE SYSTEM.
1. We do not warrant, with regard to the use of the Website and the software therein, that:
a. The Interactive System is non-infringing or that its operation will be uninterrupted or error free.
b. The Website, the Interactive System or the server will be virus or bug free.
c. The operation of the Interactive System will be flawless and uninterrupted and that we will correct any problem within the Website.

2. We are not responsible for your internet provider and hardware use related to your use of the Website.

3. We do not warrant the compatibility of our Website to your end user equipment and software.

4. In the event of communications or system errors relating to account settlements or other features or components of the Website and the Interactive System, we will not be liable to you or to any third party for any costs, expenses, losses or claims arising out of or resulting from such errors. We further reserve the right in the event of such errors to remove all relevant games from the Website and take any other action to correct such errors.

12.Changes to Agreement
1. We reserve the right to amend and make any changes to this Agreement and/or to the Privacy Policy and Game Rules at our sole discretion. It is your sole responsibility to check the Website for any changes made to this Agreement and/or any changes made to the Privacy Policy and Game Rules.

2. It is your sole responsibility to check from time to time the Agreement and the Privacy Policy and Game Rules for such updates and changes. The indication of the recent change made by us will be posted at the top of this Agreement, the Privacy Policy and the Game Rules, respectively.

3. Any use of your Player Account will be considered an indication of your awareness and acceptance of such changes made by us.

4. If you disagree with the changes made to this Agreement and/or to the Privacy Policy and/or to the Game Rules you should immediately cease all activity in your Player Account and on the Website.

13.Limitation of Liability
1. Your decision to use the Website is made at your own discretion and risk.

2. We shall not be liable in contract, tort, negligence, or otherwise, for any loss or damage whatsoever arising from or in any way connected with your use of the Website or Interactive System, whether direct or indirect, including, without limitation, damage for loss of business, loss of profits, business interruption, loss of business information, or any other pecuniary or consequential loss (even where we have been notified by you of the possibility of such loss or damage).

3. We shall not be liable in contract, tort, negligence, or otherwise, for any loss or damage whatsoever arising from or in any way connected with your use, of any link contained on the Website. We are not responsible for the content of any linked sites.

4. You confirm that we shall not be liable to you or any third party for any modification to, suspension of or discontinuance of the Website.

14.Indemnity
You agree to fully indemnify, defend and hold us, and our officers, directors, employees, agents, contractors and suppliers, harmless, from and against all claims, liabilities, damages, losses, costs and expenses, including legal fees, arising out of any breach of this Agreement by you, and any other liabilities arising out of your use of the Website or use by any other person accessing the Website using your user identification, whether or not with your authorization.

15.General

1. In any case of dispute over the result of a Game played on our Website and the winnings of such game our decision will be final and binding.

2. We may, at our discretion, refuse to register and provide a Player Account to anyone.

3. We reserve the right to change, modify, add or remove any Game or Games on our Website.

4. We reserve the right to offer, from time to time, bonuses and/or promotions and special offers and that any such offer will be subject to its own rules and conditions. We reserve the right to withdraw any of these special offers and bonuses at any time.

5. We reserve the right to withhold any cash out or winning amount until the identity of the Player Account user is adequately established to our satisfaction, in order to ensure that any payment made by us will be rewarded to the right person. You agree to provide, in case we demand, a notarized identification, or any other certified identification in accordance with the applicable law of your jurisdiction.

6. You agree that we may, at our sole discretion, assign or sublicense this Agreement, in whole or in part, to any third party or person without notice, and you will be deemed to consent to such assignment.

7. You understand you will receive electronic communications from us, posted on the Website or sent to you via e-mail. All such communications will be considered "in writing" and would be considered received by you after 4 business days, whether you have actually received them or not.

8. The enforceability or validity of any part of this Agreement shall not affect the validity and enforceability of the remainder.

9. This Agreement contains the entire agreement between you and us relating to use of the Website.

16.Governing law
This Agreement will be interpreted and construed pursuant to the laws of Malta. However, we are entitled to instigate proceedings against you or any other third party unauthorized user in the local territory of such user or place of alleged infringement of this Agreement