1. Acceptance of Terms
Chanz is an Estonian company with reg. no. 12712036, licensed to operate online gambling services (i.e. games of chance and betting played for money) („Services“) on the Site by the Estonian Tax and Customs Board (activity license no. HKT000023 and operating permit no. HKL000309 for games of chance and activity license no. HTK000030 and operating permit no. HKL000218 for betting).
Please read these Terms carefully before using the Services. By accessing the Site or using any Services available on the Site you are agreeing to be bound by these Terms. This constitutes a legally binding agreement governing our relationship with you in relation to the use of the Site and Services. If you disagree with any part of the Terms then you may not access the Site.
By using Chanz.com you agree to all the terms below.
As a condition to using Services, you are required to open an account with Chanz and select a password and username (i.e. your valid email address), and to provide registration information.
Registration information includes your full name and date of birth (and/or personal identification code, home address and telephone number if applicable). The registration information you provide must be accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your Chanz account.
You are responsible for maintaining the confidentiality of your password and are solely responsible for all activities (including transactions) resulting from the use of your password and conducted through your Chanz account.
Our Services are available only to individuals who meet a certain age limit:
- for those present in Estonia, betting service is available to individuals who are at least 18 years of age, and games of chance are available to individuals who are at least 21 years of age;
- for those present in all other countries, betting service and games of chance are available to individuals who are at least 18 years of age.
However, if law requires that you must be older in order for Chanz to lawfully provide the Services to you then the required minimum age is such older age.
Our Services are not available to individuals located in the following countries:
Afghanistan, Algeria, American Samoa, Angola, Bahrein, Belgium, Cuba, Czech Republic, Denmark, Eritrea, Ethiopia, France, Guam, Hong Kong, Indonesia, Iraq, Iran, Italy, Jordan, Kuwait, Libya, Malaysia, Morocco, Marshall Islands, Mauritania, Mauritius, Norfolk islands, North Korea, Northern Mariana Islands, Oman, Pakistan, Puerto Rico, Qatar, Rwanda, Saudi Arabia, Somalia, South Sudan, Spain, Sudan, Syria, Tunisia, Turkey, United Arab Emirates, United Kingdom, United States of America (incl. overseas territories),Virgin Islands (US), Yemen, or other restricted jurisdictions as communicated by us from time to time.
You also agree that you will only have one Chanz account. We may block and/or delete any superfluous Chanz account held by you, and reallocate all the funds to a single Chanz account of yours. No bonus or reward given to the superfluous account will be reallocated.
Your Chanz account is personal and non-transferable.
To fully use the services you need to create your own account and meet the minimum age requirement.
You will keep your password a secret.
Only one account per individual is allowed
3. User Conduct
You agree that you WILL:
- Comply with all applicable laws;
- Provide accurate information to us and keep it updated;
- Use your real name, address and contact information on your Chanz account.
You agree that you WILL NOT:
- Act dishonestly or fraudulently;
- Misrepresent your identity or create a false identity on Chanz;
- Create a Chanz account for anyone other than yourself (a real person);
- Use or attempt to use another's Chanz account;
- Deposit monies on Chanz account originating from criminal and/or other illegal activities;
- Deposit monies on Chanz account through a card or account which you are not authorised to use;
- Use your Chanz account for conducting any criminal activities, including money laundering or terrorist financing;
- Use the Services if it is illegal in your country of residence or it is otherwise restricted for you to open a gaming account, purchase or use the Services from Chanz;
- Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for the Services or any related technology, or any part thereof;
- Use manual or automated software, devices, scripts robots, other means or processes to access, “scrape,” “crawl” or “spider” the Services or any related data or information;
- Employ or make use of any system (including machines, robots, computers, software or any other automated methods) designed to influence or defeat the Services or other Chanz applications and/or software on the Site;
- Override any security feature of the Services;
- Interfere with the operation of, or place an unreasonable load on, the Services (e.g. spam, denial of service attack, viruses, gaming algorithms etc.).
You cannot use our site in someone else’s name or for dishonest or illegal purposes, or interfere with site operations, and do other crazy stuff.
Be reasonable and responsible, don't do anything stupid and you'll be fine.
Chanz will not accept any bets from you unless there are adequate funds in your Chanz account to cover the amount of the bet.
You can make deposits to your Chanz account only with your personal card or via your personal bank or e-wallet account. Similarly, you can request withdrawals of funds held on your Chanz account only to your personal bank account, credit card or e-wallet account.
Chanz will not accept a deposit from you or make a payment to you from your Chanz account in excess of EUR 2,000 (whether as single payment or related transactions) before your identity, age and place of residence have been sufficiently verified. Therefore we may request that you provide us with additional information and documents (e.g. copy of your passport or ID card, proof of address such as a utility bill, etc.) within reasonable time. Failure to provide the requested information may lead to us confiscating any winnings on your account, returning the original deposit or remaining balance, as the case may be, to you (subject to reasonable charges) and closure of your Chanz account. We are required to verify your identity in order to comply with mandatory requirements under anti-money laundering and terrorist financing laws.
All your winnings will be credited to your Chanz account. In processing withdrawals we apply the same source principle meaning that withdrawals from your Chanz account should be made using the same payment method as was used for the original deposit.
We are dependent on you providing us with correct details of your personal account for the purpose of facilitating withdrawals from your Chanz account without undue delays.
Chanz may appoint a payment solution provider to act, receive deposits, hold and manage funds, and/or expedite withdrawals, on behalf of Chanz.
Depending on the payment method chosen by you, certain minimum and/or maximum deposit limits may apply as notified on the Site. We reserve the right to charge your Chanz account for administrative costs resulting from withdrawals made by you in such circumstances and terms as indicated on the Site.
Due to anti-money laundering requirements it is not possible to transfer money from one Chanz account to another Chanz account.
All transactions on your Chanz account are checked to prevent money laundering and terrorist financing. We will report any suspicious transactions to competent authorities. In connection with this, funds on your Chanz account may be frozen, your account may be closed and any funds on the same confiscated.
We do not allow bets on credit. However, if your Chanz account is credited erroneously, you agree that we may debit your account accordingly. In the event the account holds a negative balance after corrected result (i.e. you have made bets with money erroneously credited to your Chanz account ), you must repay us the amount so owed.
We may confiscate funds on your Chanz account and/or refuse to honour a claim for winnings if: (i) you have infringed these Terms; or (ii) you have engaged in other unauthorised activities in connection with use of your Chanz account (e.g. breach of law or other applicable regulations, breach of third party rights, fraud and cheating etc.).
Your Chanz account does not accrue interest.
We reserve the right to charge a monthly administrative fee for Inactive Accounts. An “Inactive Account" is a Chanz account which has no record of any log-in and/or log-out for a period exceeding 12 consecutive months. The monthly administrative fee for Chanz accounts held in euros is set at EUR 5. The administrative fee will be charged and deducted from the Inactive Account at the beginning of the month following the month in which the Chanz account became inactive. The administrative fee will not be charged once the account balance reaches zero. We reserve the right to close the Inactive Account once the account reaches zero balance. All Chanz account holders whose accounts remain inactive for 12 months will be notified within 30 days prior to said fee being charged from their Chanz accounts. You may therefore reactivate your Chanz account by logging in/logging out or withdrawing your funds within the 30 days’ time window without incurring any fees.
You need to have funds in your account to be able to play for money.
Deposits and withdrawals may be made only to/from an account or card in your name.
Payments of € 2000 or more will trigger a check of your identity as required by our license terms.
Suspicious transactions may be reported to authorities.
If you breach these terms or break the law, funds on your account may be taken over. So again, do not do anything stupid and your funds will be safe.
We may charge administrative fee on inactive accounts – you will be notified in good time before this happens.
5. Bonuses and Promotional Offers
Chanz will offer bonuses and make available other promotional offers for games on the Site from time to time („Campaign“). Unless stated otherwise, bonus rules will be defined in the terms and conditions of each Campaign.
You are eligible for one bonus per Campaign, and one bonus per Chanz account which shall mean no more than one bonus per user, IP address, computer device, family, residential address, telephone number, credit or debit card and/or e-payment account, e-mail address, and environments where computers are shared (university, fraternity, school, public library, workplace, etc.).
Bonuses may be subject to the obligation of wagering them a certain number of times before they can be withdrawn. When meeting bonus wagering requirements, your real money balance is deemed to be wagered first. If a bonus is subject to wagering requirement, winnings generated by the wager of the bonus can be withdrawn only when the wagering requirement is fulfilled.
Unless stated otherwise in the Campaign terms, the bonus amount must be wagered a minimum of 60 (sixty) times before the bonus, amount of deposit contributed to claim the bonus and winnings can be withdrawn.
Wagering requirements will vary from bonus to bonus and the particular rules will be published on our Site in relation to each bonus.
All bonuses expire in 30 days after being claimed unless specified otherwise in Campaign terms.
A player that has never made a successful deposit prior to winning will only be allowed a maximum withdrawal of €250 of winnings in total from his or her Chanz account, regardless of the total amount won. The remaining balance will be forfeited.
You must not engage in bonus abuse. Bonuse abuse may include a breach of terms of a Campaign, or the opening of multiple Chanz accounts to claim multiple bonuses.
Where we suspect that you are engaged in bonus abuse, we may:
- forfeit the bonus allocated to your Chanz account and any winnings from that bonus, and/or
- revoke, deny, or withdraw a bonus offer from your Chanz account, and/or
- exclude you from any future promotional offers, and/or
- close your Chanz account.
We may offer bonuses and other promotions on the site.
If you accept a bonus, please honour bonus terms. Abuse of bonus terms may lead to loss of your bonus and winnings.
6. Game Rules
6a. Rules for Games of Chance
Games offered on the Site as part of the Services are licensed to Chanz by various game software providers (as indicated in each game information).
Bets placed in the games are placed respectively on the servers of the game software provider in whose game the bet is made.
Chanz is licensed by the game software providers to represent, promote and market these games on the Site. Chanz receives, holds and pays funds to you for the purpose of transactions and settlements in these games.
You can find information about probability of winning (so-called theoretical return to player) in all games offered on the Site in each individual game together with the game’s description and game-play rules.
Some games made available on the Site give you the possibility to win additional prizes (e.g. jackpots) in these games (Additional Games of Chance or Jackpot Games). Each time you place a bet in a Jackpot Game, a portion of the bet is allocated to the Jackpot pool, managed by game software supplier.
If a game is classified as a Jackpot game, you will find this information together with the applicable Jackpot rules in each individual game’s description and game-play rules.
Jackpot wins are paid out in such amounts as registered for a given Jackpot on the Chanz servers (this might not necessarily always be the same amount as what is displayed as Jackpot amount on your screen). Please note that Jackpot calculator may display the Jackpot amount in a currency different from the one that you play in via your Chanz account. If you win a Jackpot, the win amount will be calculated into and paid out in the currency of your Chanz account.
Jackpot wins are subject to verification by us and the relevant game software provider. Our decisions made on Jackpot wins are final and not subject to revision.
You agree that we (in cooperation with game software provider) have the right to change the rules of any Jackpot Game or discontinue any Jackpot Game at any time.
Should your game-play be interrupted by a failure of the telecommunication system, or your computer system or any game error or malfunction after you have placed a bet, we will take all reasonable steps to ensure that our computer system enables you to resume, upon restoration of the system, your participation in the Services as at the time immediately before the interruption. If our system does not enable you to do so, we will: (i) ensure that the game is terminated; and (ii) refund the amount of the bet to your Chanz account.
You can find game descriptions, theoretical payout and playing rules in each individual game.
6b. Rules for Betting (“Chanzpool”)
As part of the Services offered on the Site, Chanz operates a social pool betting product where you and other Chanz customers can form a prize pool by making predictions on events in the pool.
You can launch your own pool or take part in an existing pool on the Site.
Pools may be in different currencies but all transactions are automatically converted into your account currency.
You and other Chanz customers compete with each other in trying to correctly predict as many event outcomes in the chosen pool as possible. The ultimate goal is to predict as many correct outcomes as possible in the pool to increase your chances of winning. Amount of your bet placed in the pool is either pre-determined or up for selection.
Once you have made your predictions on event outcomes in the pool and your bet amount is confirmed, you will receive a ticket confirming your bet. It is not possible to change your predictions in the pool after you have confirmed your bet and a ticket has been issued.
Pool winnings are calculated as soon as all events in the pool are finished. Winnings will be credited to you Chanz account within hours or as soon as event results are confirmed by official sources. If there is more than one winning ticket in the pool, then winnings are equally split between those winning ticket holders. If there are no winning tickets in the pool, then all bets will be returned to customer accounts unless it is a ‘jackpot’ type pool.
Total winnings in the pool can never exceed the total prize pool, unless extra money was added by Chanz or it is ‘jackpot’ type pool.
Events in the pool are voided if:
- an event does not have a result in 36 hrs after official starting time of the event;
- an event started before closing time of the pool;
- venue of an event has changed.
If an event included the pool is voided then all outcomes of the event are resolved as correct in the pool.
Monies from all participating customer tickets form the prize pool for a particular pool. Prize pool is always an estimation of the total prize pool as at the given moment you view the pool. Chanz redistributes as winnings at least 80% of the bets received in a pool. Chanz reserves the right to add extra prize money into the pools.
Chanz offers the following pool types:
‘Regular’ - Ticket with highest number of correct predictions in the pool wins.
Example: 10 tickets were placed in the pool. When all events in the pool had results, two tickets had 7 correct predictions and all remaining tickets had correct predictions anywhere from 6 to 0. In this case there would be two winning tickets, which split the prize pool of this pool equally.
‘Special’ - Ticket with highest number of correct predictions (but not less than minimum required number of correct predictions) wins.
Example 1: 10 tickets were placed in the pool, which included 10 events with ‘8’ correct predictions as minimum threshold to trigger winnings. When all events in the pool had results, two tickets had 7 correct predictions and all remaining tickets had correct predictions anywhere from 6 to 0. In this case, there will be no winning tickets since the minimum required 8 correct predictions was not reached. All customers who placed tickets in the pool receive their monies back to their accounts.
Example 2: 10 tickets were placed in the pool, which included 10 events with ‘8’ correct predictions as minimum threshold to trigger winnings. When all events in the pool had results, one ticket had 9 correct predictions and all remaining tickets had correct predictions anywhere from 7 to 0. In this case the threshold of at least 8 correct predictions was reached and there is one winning ticket, which wins the entire prize pool.
‘Jackpot’ - Ticket with all correct predictions in the pool wins.
Example 1: 10 tickets were placed in the pool, which included 10 events. The outcomes of all 10 events have to be correct to trigger winnings. When all events in the pool had results, two tickets had 7 correct predictions and all remaining tickets had correct predictions anywhere from 6 to 0. In this case, there will be no winning tickets since no ticket contained all 10 correct predictions. Entire prize of the pool will be carried over to the next Chanz Jackpot pool.
Example 2: 10 tickets were placed in the pool, which included 10 events. The outcomes of all 10 events have to be correct to trigger winnings. When all events in the pool had results, two tickets had 10 correct predictions and all remaining tickets had correct predictions anywhere from 6 to 0. In this case there are two winning tickets, which equally split the prize pool.
When settling tickets, we will observe the following rules for determination of outcomes of various sporting events:
Football. It is always the match result at normal time that counts, unless otherwise stated in the ‘i’ box for given match.
Icehockey. It is always the match result at normal time that counts, unless otherwise stated in the ‘i’ box for given match.
Tennis. Event is valid as long as the match is finished within frame of the tournament. At least one set needs to be completed between players to define the winner.
Basketball. It is always the result including over-time that counts, unless otherwise stated in the ‘i’ box for given match.
Chanz and the game software providers’ employees, licensees, distributors, affiliates, subsidiaries, agents, and members of their respective immediate families may not make use of the Services.
Check your predictions carefully before confirming your bet - it is not possible to change after ticket has been issued.
There can be multiple winning tickets in the same pool or no winning tickets at all. In case of multiple winning tickets prize is equally split between ticket holders.
Monies from all customer tickets form prize pool.
There are specific determination rules for each sport.
Which personal data we collect?
You will be asked to provide certain personal information – information that can be used to identify you - when you visit the Site, register for a Chanz account and use the Services. Personal information that we collect will include your full name, date of birth and/or personal identification code (or similar national identification number), home address, email address and phone number. We also collect other information such as your billing information, transaction history, website usage preferences, and feedback regarding the Services. As a result of your use of the Services we maintain activity logs unique to you that collect traffic information such as your source IP address, date and time of access, web page(s) visited, language use, software crash reports and type of browser used. If you use a social media account (such as Facebook, Google, Twitter, etc.) when setting up and signing in to your account with us, we get access to the information of your public profile information.
Purposes of Processing Your Data
We process your personal data for the following purposes:
- making our Services available to you (including customer support and processing of your transactions);
- maintaining quality of our Services;
- legal and regulatory reasons;
- identity verification and fraud prevention; and
- marketing, based on the opt-in principle meaning that we only conduct marketing activities based on your valid consent.
The Transfer of Personal Data by us and to us
Your personal data will not be disclosed to third parties without your consent, except when:
- we have to transfer data to our cooperation partners in order for them to provide us services which in turn enable us provide Services to you (e.g. we disclose your data to providers of payment services and customer support services, game producers, affiliated companies of Chanz);
- we are obliged to transfer the data due to legal or regulatory reasons (e.g. to the Estonian Tax and Customs Board and to law enforcement agencies);
- we have legitimate interests for transferring the data (e.g. to law enforcement agencies where we deem it necessary or appropriate in case of suspicion of fraud, intellectual property violation, piracy or the investigation of other illegal activity that may result in our legal liability, as well as transferring data to the court and other institutions and persons in order to protect our legal claims)
All recipients of personal data are obliged to protect your personal data at least at the same level as Chanz.
Where the Content that you post or information that you transfer to us by any other means includes the personal data of other persons (e.g. the names, e-mail addresses or other personalised data of your friends), it is your obligation to make sure that these people have consented to such transfer and the posting of their data. You are responsible for making sure that you have the right to transfer the aforementioned data to us.
We store your personal data in servers located in the European Union. If any of the recipients of your personal data are located outside the European Union, we make sure that the data will be transferred to such third persons in accordance with applicable legal requirements and that your personal data will be protected at a level equal to the level of data protection in the European Union.
Use of Electronic Contact Details
We may send the following information to you by e-mail or phone:
- direct marketing offers on the condition that you have consented to receiving direct marketing offers upon creating your account or through your account at a later stage. You may withdraw your consent at any time by clicking on the “unsubscribe” link at the bottom of the e-mail or by removing the respective tick on your account under the section “Account Details”;
We use both first party cookies (i.e. cookies that are set by this Site directly) as well as third party cookies (i.e. cookies set on your machine by external websites whose services are used on this Site; e.g. the sharing buttons across the site allowing you to share Content onto social networks).
Currently we operate an ‘implied consent’ policy which means that we assume you are happy with this cookie usage. If you are not happy, then you should either not use this Site, or you should delete the cookies having visited the Site, or you should browse the Site using your browser’s anonymous usage setting (called “Incognito” in Chrome, “InPrivate” for Internet Explorer, “Private Browsing” in Firefox and Safari etc.)
Storing Personal Data
If you have started creating an account on the Site but have not finalised the process, we store the personal data you have inserted for three months to contact you for the purpose of finalizing the process of creating the account.
If you have created an account, we have a legal obligation to store your personal data for five years after you have ceased using our Services. In some cases we are obliged or justified to store your data for a longer period of time. You have a right to request from us additional information regarding the period of storage of your personal data.
Your rights regarding the processing of your personal data
You have a right to receive information about your personal data that are processed by Chanz as well as the purposes, ways and legal grounds of the processing. You also have a right to receive copies and extractions of your personal data that are being processed. You have a right to rectification of inaccurate data and to the completion of incomplete data if the data processed are incorrect or inaccurate.
You have a right to ask for the data to be transmitted to you. We will transmit the data to you in a machine-readable file by e-mail.
You have a right to the erasure of personal data unless we have a legitimate interest or other legal basis for keeping the data (as described above in section “Storing Personal Data “).
Should you wish to exercise your aforementioned rights or if you believe that we have violated your rights when processing your personal data, please contact us by e-mail at email@example.com. We will respond to your inquiries within one month at the latest. We strive to solve any misunderstandings by way of negotiations. In case of a dispute you are entitled to approach the Estonian Data Protection Inspectorate (Väike-Ameerika 19, 10129 Tallinn; website www.aki.ee) or a competent court.
We protect your personal information.
We may share your information with third parties only if it is necessary for providing Services to you or where we have a legal obligation or legitimate interest to do so.
8. Content Sharing
Our Services allow posting and sharing of content, such as your Chanz profile and avatar, your game-play level achievements, user comments, messages, links, photographs, other text etc.) („Content“). The Content contains your personal data. Content that you share or post may be seen by other Chanz account holders. Where we have made settings available, we will honor the choices you make about who can see your Content.
You agree that you are responsible for all Content that you post to the Site. Chanz does not control user submitted Content and, as such, does not guarantee the accuracy, integrity or quality of such Content. You agree not to use the Services to post or transmit any Content that is libellous, defamatory, obscene, pornographic, abusive, offensive, profane, or that infringes any copyright, right to protection of personal data or other right of any person.
We are not obligated to publish any Content on our Services and can remove it in our sole discretion, with or without notice.
You are responsible for any information you share on the site. You cannot use our site to post offensive materials
When you share information the site, others can see, copy and use that information.
9. Disclaimer and Limitation of Liability
To the extent allowed under law, Chanz (a) disclaims all implied warranties and representations about the Services (e.g. warranties of merchantability, fitness for a particular purpose, accuracy of data, safety and noninfringement); (b) does not guarantee that Services will function without interruption or errors, and (c) provides the Services (including Content and information) on an “as is” and “as available” basis.
To the extent permitted under law, Chanz shall not be liable to you or others for any indirect, incidental, special, consequential or punitive damages, or any loss of data, opportunities, reputation, profits or revenues, related to the Services.
In no event shall the liability of Chanz exceed, in the aggregate for all claims, the amount of EUR 1,000.
This is our disclaimer of legal liability for the quality, safety, or availability of our Services.
These are the limits of legal liability we may have towards you if things go wrong.
We may terminate or suspend any and all Services and/or your Chanz account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination of your account, your right to use the Services will immediately cease.
You may discontinue using the Services any time but please note that this may trigger inactivity fees. If you wish to permanently close your Chanz account, please contact the customer support.
We may stop providing services at any time.
You can stop using your account or close it at any time as well.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If the alterations constitute a material change to the Terms, we will notify you by posting an announcement on the Site. What constitutes a material change will be determined at our sole discretion. You shall be responsible for reviewing and becoming familiar with any such modifications. Using any Service following notification of a material change to the Terms shall constitute your acceptance of the Terms as modified.
You agree that the laws of the Republic of Estonia shall exclusively govern any dispute relating to or under these Terms and/or the Services. We both agree that all of these claims can only be litigated in the Harju County Court (Tallinn, Estonia), and we each agree to personal jurisdiction in this court.
In the unlikely event we end up in a legal dispute, it will take place in Estonian courts, applying Estonian law.
Any claim regarding a transaction related to your Chanz account shall be made to us within three months after the transaction, payment and/or settlement took place, or should have taken place; otherwise we reserve the right to reject the claim and you waive your rights under the claim.
All complaints have to be sent to firstname.lastname@example.org. Customer complaints forwarded to us will be handled within reasonable time but not later than within two weeks.
In the unlikely event you are unhappy with our service, here is how to contact us.
If you are still around after having read these terms (like you always do) and want to start taking your Chanzes, then click Yes 😊