Last updated as of August 13, 2026.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY.

SECTION 19 OF THESE TERMS DESCRIBES HOW DISPUTES BETWEEN YOU AND US ARE RESOLVED, INCLUDING YOUR RIGHT TO HAVE ANY UNRESOLVED CLAIM DECIDED BY THE COURTS OF THE PROVINCE OF ONTARIO. SEE SECTION 19 OF THESE TERMS OF SERVICE, BELOW.

These Terms of Service (“the Terms” or “TOS”) form a binding contract between you (“You” or “user”) and FBG Enterprises Canada, Inc., a company incorporated under the laws of the Province of Ontario, (“FBG,” “Fanatics Betting and Gaming,” “Fanatics Casino Ontario,” “we,” “us,” or “our”). These Terms shall govern Your access and use of our interactive gaming services, including but not limited to our website and mobile application (together, the “Platform”) and Your participation in any promotions, contests, offers and any other transactions or dealings with us in any way (collectively, including the Platform, the “Services”).

The Services are being operated by us in Ontario on behalf of and as agent for iGaming Ontario, which entity is an agency of the Government of Ontario and conducts and manages internet gaming in the Province of Ontario.

You agree that Your use and access of the Services shall be governed by these Terms, the Fanatics Casino Ontario Privacy Policy, the applicable rules for the games offered on Fanatics Casino (“Game Rules”), and any other terms, conditions rules or policies that relate to the Services such as promotions (including but not limited to Bonuses defined below), contests, special offers or any other condition on Your use of the Services that we may provide to You (all collectively, the “Agreements”), which are incorporated herein. Your use of the Services is always subject to these Agreements, as may be modified by us, and all applicable laws, rules and regulations. Please read these Agreements carefully. If You are dissatisfied with these Agreements or any content or information accessed through the Services, Your sole and exclusive remedy is to discontinue using the Services. You agree that Your continued use or access of the Platform or Services is subject to the Agreements.

You must be physically located in the Province of Ontario to place a wager using the Platform in the Province of Ontario.

Table of Contents

1. Acceptance of Terms of Service.

2. Interactive Gaming.

A. Eligibility

B. Registration

C. Account Password and Security

D. User Account Funds, Withdrawals & Refunds

E. Dormant Accounts

F. Responsible Gaming & Player Protection

G. Disqualification and Cancellation

H. Publicity License and Release

I. Placing Bets

J. Bonuses and Promotions

K. Game Results & Winnings

L. Location Technologies

M. Application License

3. Offers.

4. Unauthorized Use.

5. Links to Third Party Sites; Advertisers.

6. Privacy Policy.

7. Property; Intellectual Property.

8. User-Generated Content.

9. No Feedback Accepted.

10 Termination of Access and/or Account.

11. Termination and Survival.

12. Indemnity.

13. Disclaimer of Warranties.

14. Limitation on Liability.

15. Third Party Transactions.

16. Third Party Game Providers.

17. Export Controls.

18. Governing Law and Jurisdiction.

19. Dispute Resolution

20. One Year Statute of Limitations.

21. General Fanatics Casino Terms.

22. Miscellaneous.

23. Contact Information.

1. Acceptance of Terms of Service

By accessing and using the Services, You agree that You have read, understand and agree to be legally bound by these Terms. Subject to Section 19 below and applicable law, any part of these Terms may be amended by us in our sole discretion at any time with or without prior notice. If we make material changes to the Terms, we may notify You through a notice, updated Terms, postings on the Platform or by email (sent to the email address specified in Your Account, if any) prior to or upon the change becoming effective and require your acknowledgement and acceptance of the changes when you log into Your Account. Accordingly, when You access or use the Services, You should check the date of the Terms and be aware of any changes since the last version. The most current version of these Terms will be posted on the Platform. Your continued use of the Services following the posting of any changes to these Terms means that You accept such changes. Your access to and use of the Services will be governed by the Terms in effect at the time of such access or use.

Copies of the Terms are available upon request. If you would like a copy, please contact FBG Enterprises Canada, Inc.:

Address: 22 St Clair Ave E, Suite 200 Toronto, Ontario M4T 2S3 Canada Email: support@betfanatics.com Telephone Number: +1-800-254-0320

2. Interactive Gaming

FBG Enterprises Canada, Inc. is registered and regulated by the Alcohol and Gaming Commission of Ontario (“AGCO”). The Platform is offered in the Province of Ontario under the registration held by FBG Enterprises Canada, Inc. and under an agreement with iGaming Ontario, pursuant to the oversight, regulatory requirements, and registration of the AGCO. The use of the Platform and Services are subject to all applicable laws of the Province of Ontario and the federal laws of Canada applicable in Ontario.

A. Eligibility

Our Services that offer the ability to participate in interactive gaming, are open only to eligible users. You must be at least nineteen (19) years of age to open an Account with FBG. It is an offense to allow a person who is under the age of 19 to participate in wagering on the Platform. You are prohibited from engaging in wagering on the Platform, unless you are physically present in the Province of Ontario.

If You plan to access the Platform or use the Services, You hereby represent and warrant that You are fully able and competent to enter into and comply with the terms, conditions, obligations, affirmations, representations and warranties set forth in the Agreements and to comply with Your own local, provincial, federal or other laws, rules, regulations or ordinances concerning betting and gaming whether connected with Your use of the Services or not.

Each time when You access or use the Platform to engage in interactive gaming, You are further representing and warranting that all of the following are true:

● You are 19 years of age or older;

● You are not an individual participating in any self-exclusion process that applies to the Platform, as further described in Section F (Responsible Gaming & Player Protection) below;

● You are not an individual who is restricted from accessing the Platform as a condition of a court order;

● You are not an individual who has been excluded from the accessing the Platform by or on behalf of the AGCO or iGaming Ontario, including pursuant iGaming Ontario’s centralized self-exclusion tool or program;

● You are not an officer, a member of the board of directors or a partner of FBG;

● You are not an executive or staff of a trade union who represents or negotiates on behalf of employees of FBG;

● You are not an employee of registered suppliers who maintain or repair gaming equipment for the Platform or FBG;

● You are not a member or employee of the AGCO;

● You are not an officer, member of the board of directors, or employee of the Ontario Lottery and Gaming Corporation or iGaming Ontario;

● At the time of placing a wager, You are physically located in the Province of Ontario;

● You are not placing a wager, logging into an Account, or depositing or withdrawing funds, in each case, as an agent or proxy;

● You are not listed on any Canadian government, federal or provincial, list of prohibited or restricted parties; AND

● You are not a person prohibited from participating in interactive gaming

under Ontario law.

Underage gambling is an offense, and any person under the age of 19 who engages in online wagering, or any person who facilitates or enables someone under the age of 19 to gamble, may be reported to law enforcement, iGaming Ontario, or the AGCO, and shall be prohibited from internet gaming, and may be subject to disciplinary action.

Moreover, pursuant to applicable law, persons physically located outside of the Province of Ontario are prohibited from engaging in internet wagering through the Platform.

If we determine that You do not meet the eligibility requirements of these Terms, then You are not authorized to access or participate in interactive gaming, as may be appropriate, on our Platform. FBG may require You to provide proof that You are eligible to use the Services according to this Section prior to receiving winnings from interactive gaming. This includes requesting that You fill out an affidavit of eligibility or other verification information.

If FBG otherwise determines that You do not meet the eligibility requirements of this Section, in addition to any rights that FBG may have, FBG reserves the right to terminate Your Account, restrict Your Account from accessing or participating in interactive gaming, withhold or revoke the awarding of any winnings associated with Your Account, limit Your ability to withdraw, or take any other action that FBG deems appropriate.

B. Registration

You must register for an account to use the Services and otherwise participate in interactive gaming (an “Account”). The first step in the Account registration process is to create and/or enter Your Fanatics ID by providing Your email and selecting or entering a password. The second step after You create or enter Your Fanatics ID is You will be prompted to further verify your identity and create an Account to place bets. You agree to provide true, accurate, current and complete information (“Verification Data”) about Yourself as prompted and to maintain and promptly update the Verification Data to keep it accurate, current and complete. Verification Data may include a valid mailing address, date of birth, and any other information FBG may require to run appropriate identity checks and comply with applicable rules and regulations. If necessary, You may be required to provide appropriate documentation that allows us to verify information about You at any time, including after your Account has been registered. You consent to have FBG confirm Your age and identity. If You provide any information that is inaccurate, not current or incomplete, or FBG has reasonable grounds to suspect that such information is inaccurate, not current or incomplete, FBG may deny You access to Services, or terminate Your Account, in its sole discretion.

You may only establish, maintain, use and control one (1) Account on our Platform. An Account can only be owned, maintained, used and controlled by one individual. Users may not “co-own” Accounts on the Services. Accounts are non-transferable and are solely for personal use. You are prohibited from allowing any other person to access or use Your Account. It is Your responsibility to configure the relevant auto-lock feature to protect Your web browser or mobile device from unauthorized use. If FBG believes You have opened, maintained, used or controlled more than one Account or are making illegal or improper use of such Account, in addition to any other rights that FBG may have, FBG reserves the right, in its sole discretion, to suspend, limit, or terminate any or all of Your Accounts and terminate, withhold or revoke the awarding of any winnings or prizes. In such circumstances, FBG may also report such activity to relevant authorities, including iGaming Ontario and the AGCO.

C. Account Password and Security

At the time of registration for an online Account, You must provide a valid email address and password to be used with Your Account. If we enable features that allow You to create a username, You may not use an email address or username that promotes a commercial venture or which FBG in its sole discretion deems offensive or otherwise inappropriate. You are responsible for maintaining the confidentiality of Your password, and are fully responsible for all uses of Your Account, including Your Fanatics ID, username (if any) and password, whether by You or others. You agree to (a) keep Your Account, including Your Fanatics ID, username and password confidential and not to share them with anyone else; (b) immediately notify FBG of any unauthorized use of Your Account, including Your Fanatics ID, username and password or Account or any other breach of security; and (c) use only Your own Account, including Your Fanatics ID, username and password to access the areas of the Services that require same. Fanatics Casino Ontario is not liable for any loss or damage arising from Your failure to comply with this Section.

You acknowledge and agree that FBG is authorized to act on instructions received through the use of Your Account, including Your Fanatics ID, username (if any) and password, and that FBG may, but is not obligated to, deny access or block any transaction made through use of Your Account without prior notice if it believes that Your Account is being used by someone other than You, or for any other reason. FBG may require You to change Your Fanatics ID, username (if any), password, or may unilaterally change the same. You have the ability, and at times will be required, to choose strong authentication login protection. FBG recommends that You consider the security of the passwords, refrain from using the same passwords used to access other sites, change passwords on a frequent basis and use multi-factor authentication.

Multi-factor authentication may be enabled for account security purposes. In the event you lose or wish to change your authentication credentials, specifically your Fanatics ID and password, you can use the self-service “Password Reset” option that is available on the login screen or contact our customer support at support@betfanatics.com.

D. User Account Funds, Withdrawals & Refunds

You must have a positive balance in Your Account to place a bet or play a game. You will not be able to place any bets in an amount greater than the total balance in Your Account. We do not permit Your Account to have a negative Account balance. We reserve the right to limit the amount You can deposit into Your Account for any reason, or to otherwise limit the amount You can bet. You agree to abide by those limits.

You may use any method available and accepted by the Platform to deposit money into Your Account, which may include and may not be limited to banks, credit cards, third party electronic payment processors and financial institutions (“Third Party Providers”). FBG does not charge fees related to gaming transactions. Please remember that Third Party Providers, including financial institutions, may charge fees for such deposits. You represent and warrant that: (a) You are the legal owner of any money You deposit into or request a withdrawal or refund from Your Account and that such money is not connected and did not originate from any illegal activity or source; (b) all payments to Your Account are authorized and You will not try to reverse a payment or take an action that would cause such payment to be reversed in an effort to avoid any legitimate liability; and (c) You understand and agree that all transactions may be checked for any suspicious activity, including money laundering and that such activity may be reported by us to the appropriate authorities, including iGaming Ontario and the AGCO.

By initiating a deposit into or a withdrawal or refund from Your Account, You authorize FBG to instruct Third Party Providers (such as Your bank or card issuer) to handle deposits, withdrawals and refunds from Your Account and agree that FBG may provide such Third Party Providers Your personal information as needed to complete the transaction.

You agree that we are not legally responsible for any acts or omissions of any Third Party Providers in processing Your deposit, withdrawal or refund and You further agree to be obligated by the terms and conditions of use of each applicable Third Party Provider. If there is a disagreement between these Terms and the terms and conditions of any Third Party Provider, these Terms prevail. FBG is not responsible for any fees charged to You by Third Party Providers related to Your deposits, withdrawals or refunds.

If You use the Services for interactive gaming, all winnings You obtain will be added to Your Account balance, and such funds will be held in a separate, segregated bank account. The funds in Your Account are held on your behalf and may be used by you to make wagers on the Platform or to satisfy any payment obligations you may incur as a result of your activities on the Platform. You will not earn interest on the funds held in your Account. Your withdrawals of winnings will be made from this segregated bank account. These funds belong to You, subject to any anti-fraud checks, or other reviews of prohibited conduct as described herein. Subject to such checks, You may close Your Account, withdraw the winnings, or receive a refund of unplayed deposits from Your Account at any time and for any reason. Fanatics Casino Ontario may not use Your winnings or deposits to cover its operating expenses or for other purposes. Your withdrawals will be made from this segregated bank account.

To protect your funds, FBG implements a number of security checks before any request for a withdrawal of winnings or refund of unplayed deposits is processed. FBG reserves the right to withhold any withdrawal or refund until these checks have been completed. There may be some delays if a withdrawal or refund is requested outside of business hours. We generally expect withdrawals or refunds to be processed within twenty-four (24) hours, however they may take up to five (5) working days.

You have the right to review all your gaming activity under "Transaction History", which details a user's deposit, withdrawal, refund, betting activity, and Responsible Gambling limits for the past twenty-four (24) months.

E. Dormant Accounts

"Dormant Account" means an Account, which has had no user-initiated activity for a period of thirty-six (36) months. If a patron’s Account remains a Dormant Account for a period of thirty-six (36) months any funds remaining on deposit and any pending wagers will be forfeited. Your Account will be temporarily frozen and made unavailable for log in or use by You, and You will be opted out of all Bonuses in accordance with the applicable Bonus terms and conditions. We will use reasonable efforts to inform You of any funds remaining in a Dormant Account. In accordance with applicable law and the requirements of the AGCO and iGaming Ontario, all unclaimed balances remaining in Dormant Accounts shall be forfeited in accordance with the applicable laws and regulations governing forfeited funds.

All bonuses and winnings earned from wagering with Bonuses (as defined below) will be forfeited from any Account to which a deposit has not been made within 60 days of establishing such Account.

Account Deactivation

You may elect to deactivate Your Account at any time by contacting FBG Customer Service; once You make this election, Your Account will be deactivated. FBG may also deactivate Your Account where FBG reasonably considers it necessary or appropriate to do so, including in connection with any of the matters described in these Terms. In addition, Your Account shall be deactivated where such deactivation is requested by the Registrar or iGaming Ontario. Where Your Account is deactivated, You will be able to recover the balance owing to You, subject to the anti-fraud checks and other reviews described in these Terms, and any player information that is removed will be retained in accordance with applicable records retention requirements.

F. Responsible Gaming & Player Protection

Responsible Player Behavior & Self-Exclusion

FBG is committed to responsible gaming and offers tools to encourage responsible player behavior. Our Platform offers a number of self-imposed gaming limitations, including:

● A cool-off period or suspension of your Account for no less than 24 hours;

● Daily, weekly, or monthly deposit limits;

● Daily, weekly, or monthly wagering limits;

● Daily time limits; and

● Self-exclusion program.

You may set such limitations Yourself directly in FBG. FBG may also limit, suspend or close Your Account for matters related to responsible gaming when detected by FBG or presented to FBG though a Customer Support contact or other user contact. Any decrease to or removal of Account limits shall be effective no later than the patron's next log in following a 24 hour cooling-off period. Any increase to Account limits shall become effective only after the time-period of the previous limit has expired.

Upon a user completing the self-exclusion process (or a user becoming otherwise excluded), the system immediately logs the user out of the Platform and terminates his or her session. Except as may otherwise be required by applicable law, self-exclusion will apply to the Fanatics Casino and FBG interactive gaming services. Our system automatically reviews a list maintained by FBG of the names and other related personal information of persons voluntarily excluded and compares it to FBG’s user Accounts. Self-excluded users may not make wagers, collect winnings, or recover losses. As required by the applicable law or regulation, FBG will share information on self-excluded users with applicable gaming regulators through a secure file transfer. Upon self-exclusion, a user will receive a refund of the cash balance in the Account. Our Responsible Gambling page is available here.

Myths Associated with Gambling

Players often believe in false myths regarding gambling. While the list below is by no means an exhaustive list of gambling myths, some of the more commonly held myths are:

● A player's luck changes the more they gamble, or the longer they play, the greater their chances of winning.

● Increasing the value of bets will help a player win back money they have lost.

● Gambling is a way to recover past gambling losses or other financial losses.

● Gambling is a reliable way to make money, a substitute for employment, or a means of achieving financial security.

● Tracking previous results can help a player forecast future results.

● Playing more than one casino game or poker game at a time increases a player's chances of winning.

● A player can develop a special strategy or skill that will help them win games that are determined by chance.

● Knowing a game well increases a player's chances of winning.

● A player can have a "lucky day" that positively influences their results.

● Gambling is a solution to personal, financial, or professional problems, or a healthy form of escape from daily stress.

● Gambling is indispensable or should take priority over family, friends, employment, or educational commitments.

● A promotion or offer represents a realistic opportunity to win without the possibility of incurring substantial losses.

● It is not possible to become addicted to gambling.

● A person must gamble every day to be considered a problem gambler.

● If a person can afford to gamble, they cannot be a problem gambler.

● Only irresponsible people develop a gambling problem.

● Problem gambling is always easy to recognize.

Risks Associated with Problem Gambling

Problem gambling occurs when a person loses control over their gambling, particularly the scope and frequency of gambling, the amount of money gambled, and the amount of time devoted to gambling. The negative consequences of problem gambling may include:

● The bettor suffering excessive financial losses relative to the gambler's means (including unpaid household bills, credit card debts or loans);

● Adverse personal effects on the member (such as anxiety, depression or stress) and/or their family;

● Adverse effects on employment and work performance (including missing work or having trouble concentrating at work);

● Losing the ability to maintain a healthy and balanced lifestyle due to spending an excessive amount of time gambling;

● Regretting the amount of time lost or wasted due to gambling; and

● Other costs which are absorbed by the community.

Practical Tips to Stay Within Safe Limits

● Do not gamble with the goal of making money.

● Only gamble with money you can afford to lose.

● Place a limit on the money you gamble and stick to it.

● Place a limit on the number of times a month you will gamble and stick to it.

● If you lose, do not bet more trying to recover what you lost.

● Do not gamble to escape depression, loneliness, or anger.

● Do not gamble when drinking excessively or when using drugs.

● Balance gambling with other activities, such as spending time with friends, going to a movie or a show, or dining.

If you or someone you know has a gambling problem and wants help, call ConnexOntario at 1-866-531-2699. Additional support and recovery resources are accessible via

ConnexOntario | Mental Health & Addiction Treatment Services.

G. Disqualification and Cancellation

FBG reserves the right to cancel or void any bets, in its sole discretion and in accordance with applicable law. If You have placed a wager on the Platform and FBG cancels the wager for reasons other than Your violation of these Terms, engagement in prohibited activities, or any other activity FBG reasonably believes is suspicious, FBG will credit Your Account balance for the amount of the initial wager. In addition, while FBG will take reasonable measures to guarantee the accuracy of the wagering information offered on its Platform or bets placed using its Services, FBG reserves the right to cancel and void any bets if, in its sole discretion, there is an obvious error with the bet as set forth in the Game Rules or any of the Agreements.

FBG may disqualify You from a bet, withhold access to all wagering, withhold access to any or all Services, refuse to award winnings, require the return of any winnings, or suspend, limit, or terminate Your Account if You engage in conduct FBG deems, in its sole discretion, to be improper, unfair, fraudulent or otherwise adverse to the operation of the Services or in any way detrimental to other users. Improper conduct includes, but is not limited to:

● Falsifying personal or payment information;

● Colluding with any other individual(s) or engaging in any type of syndicate play;

● Violating eligible payment method terms;

● Using an Account to participate in a game or event on behalf of multiple users or otherwise collaborating with others to participate in a game or event;

● Tampering with the administration of the Services or trying to in any way tamper with the computer programs associated with the Services;

● Using IP proxying or other methods to disguise Your location or the place of Your residence to circumvent geographical restrictions on interactive gaming or wagering participation;

● Obtaining other users’ information and/or spamming other users;

● Abuse of any offers, promotions, or Bonuses;

● Abuse of the Services in any way;

● Cheating and geolocation tampering; or

● Otherwise violating these Terms or any of the other Agreements.

You acknowledge that the forfeiture and/or return of any winnings shall in no way prevent FBG from informing the relevant authorities, and/or pursuing criminal or civil proceedings in connection with such conduct.

Fanatics Casino Ontario reserves the right to recover bad debts using any method lawfully available including, but not limited to, (i) debiting the amount owed by You from Your Account; and (ii) instructing third party collections agencies to collect the debt.

If, for any reason, interactive gaming wagers are not able to be placed as originally planned (e.g., if the Platform becomes corrupted or does not allow the proper usage and processing of wagers in accordance with the Game Rules), FBG reserves the right, in its sole discretion, to disqualify any individual implicated in or relating to the cause and/or to cancel, terminate, extend, modify or suspend the bets. If such cancellation, termination, modification or suspension occurs, notification may be posted on the Platform, otherwise through the Services, via email or by such other means as we may reasonably elect to use.

H. Publicity License and Release

Subject to applicable law and our Privacy Policy, by placing a wager on the Platform, You grant license and consent to the use of Your name, voice, likeness, image, city/province/territory, photograph or video by FBG, its service providers, and its business partners in connection with the development, production, distribution and/or exploitation (including marketing and promotion) of the Services, including any components thereof, and/or FBG generally, unless otherwise prohibited by law. FBG, its service providers, and its business partners reserve the right to make public statements about any wagering participants and winner(s) on the Platform, in any media channels, including but not limited to the Platform, Internet/social media, and TV whether existing here now or hereafter invented, at any time in connection with the wagering event in which participants engaged. You agree You are not entitled to any fee and will not impose other conditions on the fulfillment of these obligations, and expressly release and waive any claims related to FBG’s use of the license granted in this Section.

I. Placing Bets

It is Your responsibility to fully understand the terms of the bet You are placing. When You place a bet, You agree that You shall be subject to the Game Rules in effect at the time. It is Your responsibility to read and acquaint Yourself with our Game Rules available within each game. Please note that the Game Rules govern the terms of any wager, and FBG Customer Service representatives may not alter the terms of any wager presented through the Platform.

When placing a bet, You are responsible for ensuring that all of the details of the bet are correct. Once a bet has been placed, You cannot cancel the bet.

You fully accept and agree that if there is a discrepancy between the results displayed in Your Account and those displayed in FBG’s servers, the results displayed on FBG’s server shall govern. You understand and agree that FBG’s records will be the final authority in determining such matters.

Subject to applicable law, we are not responsible for technical, hardware, network connections, or incomplete or delayed computer transmissions, regardless of cause.

Game misuse voids all wagers. Any game, system or Platform malfunction voids all wagers. In the event of any end-user or human or Platform, or third-party service provider system or communication error, failure, malfunction, bug, damage, or virus relating to Account settlement, settlement of wagers, or other elements of the service by FBG or applicable third-party vendors, or resulting in the loss of data or winnings (including progressive jackpots) or bonuses or anything similar, FBG shall in no way be liable to You, except as set out in this Section or where required by applicable law. FBG shall void all games in question and payments (whenever such human, end-user, system or communication error, failure, malfunction, bug, damage, or virus is discovered) in relation thereto, and may take any other corrective actions necessary to rectify such errors. Where a game cannot be continued following such an error, failure, malfunction, bug, damage, virus, or service interruption, FBG will pay You the amount You have won up to the point at which the issue arose, or will void the game and return Your bet to You, whichever is the better outcome for You. If You become disconnected from a game while the game is in progress and a bet has not been struck, any bets placed will be void and the bet will be returned to You. If You become disconnected after a bet is received, the placed bet remains valid and will be settled when you next launch the game, or in Your absence, at any time in our discretion. Upon reconnection, You may view bet outcomes in the game history or history window. FBG may liaise with any third-party game provider as applicable to verify the accuracy of the settlement and take corrective actions as necessary.

J. Bonuses and Promotions

You may be awarded bet credits or similar promotions (collectively, “Bonuses”) which You can use for gaming using FBG’s Services. Bonuses cannot be withdrawn from Your Account. Only the winnings attributed to Bonuses can be withdrawn, as per applicable wagering requirements.

FBG reserves the right to remove Bonuses and refund the remaining balance should You breach the rules and/or the terms and conditions of the specific promotion. It is Your responsibility to read and understand the terms of any Bonuses which will be made available whenever a bonus offer is made to You. Nothing in this Section shall prohibit or limit FBG’s ability to reverse and/or reclaim any Bonuses issued or awarded to You based upon failures, errors, manipulations, or fraudulent or dishonest activities.

K. Game Results & Winnings

Wager results and winnings are based on the final outcome of the game and are determined in FBG’s sole and absolute discretion. Subject to FBG verifying Your compliance with the Terms and any other conditions of participation, at the conclusion of each wager (e.g., when all relevant events have concluded), FBG shall use commercially reasonable efforts to award the winnings to Your Account within a reasonable amount of time.

L. Location Technologies

To determine Your eligibility to use the Services, FBG must determine Your location using one or more reference points, such as GPS, IP address, beacons and/or software within Your personal computer, mobile device, consumer electronics device, or any other equipment. If You have set Your device(s) to disable GPS, Bluetooth, or other location determining software, use connection methods or systems that mask Your location, or do not authorize the Services to access Your location data, the Services may not be able to determine Your location and You will not be able to access the Services. FBG reserves the right to suspend or terminate Your Account if You prevent the Services from accurately determining Your location. You consent to the monitoring and recording by FBG, iGaming Ontario, and/or the AGCO of any geographic location information. For more information about how the Services collects, uses, and retains Your information, please read the FBG’s Privacy Policy.

M. Application License

Subject to Your compliance with these Terms, FBG grants You a limited, non-exclusive, and non-transferable license to download and install a copy of FBG’s mobile app on a device that You exclusively control and to run such copy of the mobile app solely for Your own personal use. FBG reserves all rights in and to the FBG mobile app (and otherwise to the Services) not expressly granted to You under these Terms.

If You have downloaded the FBG mobile app(s), You agree to promptly download and install any new version that FBG makes available. You understand that a failure to promptly update a new version of the app may, in some cases, expose You to increased security risks or Services malfunctions and may prevent You from placing wagers, or otherwise using the Services.

3. Offers.

Certain provisions of the Terms may be superseded by expressly designated legal notices, rules or other terms located on particular pages of the Platform or otherwise made available through the Services, and, additionally to participate in or use certain promotions, discounts or coupons that may be run from time to time with respect to the Services (“Offer(s)”), You may be required to agree to additional or different terms and conditions (“Additional Terms”). Some Offers also may be subject to additional requirements or restrictions imposed by us or participating third parties, such as the vendors or other merchants that issued, sponsored, or are associated with the Offer or the exclusion of merchandise from an Offer which shall also be part of the Additional Terms. Your redemption of the Offer or use of such pages constitutes Your unconditional acceptance of the Additional Terms. If there is an actual conflict between these Terms and any Additional Terms, the Additional Terms shall control and the non-conflicting provisions in these Terms will continue to apply. For the sake of clarity, silence with respect to a particular term in either these Terms or any Additional Terms does not constitute a conflict.

If an Offer does not contain Additional Terms, then only these Terms apply. Under these Terms, unless otherwise prohibited by applicable law, any Offer is not valid for cash or cash equivalents and is limited to one Offer per person, household, or address. We reserve the right to limit, change, or cancel any Offer or associated transaction, without prior notice, even after You have attempted to redeem the Offer or placed Your associated order.

4. Unauthorized Use.

You may only use the Services as authorized and not for any illegal or unlawful purpose. Any unauthorized use or violation of these Terms may immediately and automatically terminate Your right to use and access the Services and may subject You to legal liability. Appropriate legal action may be taken for any illegal or unauthorized use of the Services. If you suspect that users are using the Service, as further set forth below, You may contact FBG Customer Service. In addition to the conduct described in Section 2(G) above, some other examples of unauthorized, illegal, or unlawful use of the Services include, but are not limited to:

● Copying, modifying, displaying, performing, distributing, republishing, or retransmitting any content or material (including, by way of example, images and text), in whole or in part, from/on the Platform or otherwise through the Services without our prior written consent;

● Collecting usernames and/or email addresses of users for the purpose of sending unsolicited email;

● Using a framing or similar technique without our prior written permission;

● Creating or maintaining any link from another website to any page on the Platform without our prior written permission;

● Criminal or tortious activity, including fraud, spamming, spimming (spam by instant message), sending of viruses or other harmful files, copyright infringement, patent infringement, or theft of trade secrets;

● Covering or obscuring the banner advertisements on the Platform, if any, via HTML/CSS or any other means;

● Any automated use of any system, such as using scripts to alter content or a “bot” to engage in play;

● Interfering with, disrupting, or burdening the Platform or the networks, systems or services connected to the Platform;

● Using any automated system or software to extract data from the Platform or from any other user (including "screen scraping") for sale or use by any third party or any commercial purpose other than Your placement of a wager for Your Account;

● Attempting to impersonate another user or person;

● Using the Account, username, or password of another user or disclosing Your password, as applicable, to any third party or permitting any third party to access Your Account;

● Displaying an advertisement, or accepting payment or anything of value from a third person in exchange for Your performing any commercial activity on or through the Platform on behalf of that person, such as placing commercial content on the Platform;

● Using the Platform for any harassing, threatening, libelous, abusive, obscene or privacy-invading purposes; or

● Using the Services in a manner inconsistent with any applicable law, rule or regulation.

We may remove any unauthorized content, links, etc. without notice.

5. Links to Third Party Sites; Advertisers.

The Services may provide You with links or other access to other websites, services, products or content of third parties, including the Other Platforms, as defined in Section 8 below (“Third Party Sites”). We have no control over, and do not necessarily endorse, any Third Party Site's services, products or content. You acknowledge and agree that You access such Third Party Sites at Your own risk and are wholly responsible for making Your own independent judgment regarding Your use or interaction with the same. We recommend that You read the terms of service and privacy policies of each Third-Party Site that You access.

6. Privacy Policy.

You have read and acknowledged our collection, use and sharing of Your information, including personal information, as set forth in our Privacy Policy.

7. Property; Intellectual Property.

Subject to the express exception below, the Services, and all content of the Services (including, without limitation, text, graphics, scripts, sounds, interactive features, icons, images, clips and software), is protected by copyright, trademark, and other laws. Names, logos, taglines, icons, and marks on the Platform are the exclusive property of FBG and/or one of its affiliates, all rights reserved, and may not be used by You without our prior written permission. Unless otherwise indicated, all other intellectual property appearing on the Platform is the property of its respective owner. We reserve all rights not expressly granted in and to the Platform’s content and the Services.

Exception: Subject to Your strict compliance with these Terms and the other Agreements, Fanatics Casino Ontario grants You a limited, personal, revocable, non-transferable, non-sublicensable license to: (i) download (temporary storage only), display, view, use, and/or play the content on its Platform on a personal computer, mobile phone, or other Internet enabled device for Your personal, non-commercial use only; and (ii) to use certain content that we may make available on the Services for such purposes as may be explicitly stated at the time that the content is made available. The foregoing limited license may be immediately suspended or terminated for any reason, in FBG’s sole discretion, and without advance notice or liability. Except with our express, written permission, You are prohibited from copying any of the content on the Platform.

8. User-Generated Content.

Users may be able to post content in certain areas on the Platform or on other websites or platforms that we own or operate, including on social media platforms such as Facebook, Instagram, Twitter, Pinterest, TikTok, and Snapchat (“Other Platforms”). You are solely responsible for any content (including, without limitation, photos, artwork, videos, text, graphics, and other information) You upload, post, display or otherwise provide to us through the Platform or Other Platforms (“User Content”). Any User Content You post or provide, including any questions, reviews, comments and suggestions, will be treated as non-confidential and non-proprietary. By sharing User Content with us, You grant us a worldwide, royalty-free, perpetual, irrevocable and transferable right to use, copy, reproduce, perform, distribute, display, publish, sell, and create derivative works of, the User Content, and to grant and authorize sub-licensees of the foregoing. Additionally, we shall be free to use any ideas, concepts, know-how or techniques contained in such User Content for any purpose whatsoever, including, without limitation, developing, manufacturing, and marketing products and services which incorporate such User Content. You further agree that this means that any User Content may appear on sites other than the Platform through which You submitted Your User Content including but not limited to Other Platforms. By sharing User Content with us, You waive any and all moral or author’s rights in such User Content. You represent and warrant that: (a) You own the User Content posted by You on the Services or otherwise have the right to grant the license and waivers set forth in this Section 8; (b) Your User Content does not violate the privacy rights, publicity rights, intellectual property rights, or any other rights of any person or entity; and (c) the posting of User Content does not result in a breach of any contract between You and a third party. You agree that You will not use a false or misleading email address, impersonate another person or entity or otherwise mislead with respect to any User Content. You agree that you will not post User Content that is, as determined by FBG, offensive, defamatory, sexually explicit or otherwise objectionable, or that is intended or reasonably likely to disparage FBG or bring FBG into public disrepute. You agree to pay for all royalties, fees and other monies owing to any person by reason of any User Content You post. We are under no obligation to screen or monitor User Content but may review User Content from time to time at our sole discretion to review compliance with these Terms. You consent to the monitoring and recording by FBG, iGaming Ontario, and/or the AGCO of any User Content or other wagering communications information. We may reject, refuse to post, edit, or remove any User Content at any time without notice, for any or no reason.

9. No Feedback Accepted.

We do not accept any unsolicited feedback related to the Platform from outside FBG including without limitation suggestions about advertising or promotions, or merchandising of any products, additions to our Services, or changes in methods of doing business. We may already be working on or may in the future work on a similar idea. If, notwithstanding this policy, You submit an unsolicited idea to this Platform, You understand and acknowledge that FBG has no obligation to acknowledge Your submission, such feedback is not submitted in confidence and we assume no obligation, expressed or implied, by considering it, and no confidential relationship is established between You and FBG. By submitting Your feedback or idea, You represent that You are authorized to do so, and Your submission does not include the confidential information, proprietary know-how, trade secrets, or other intellectual property of any other person or party. FBG’s use or distribution of Your submission or any portion thereof will not give rise to any claims against FBG or its affiliates and will be without compensation to You. You hereby grant us an irrevocable, perpetual, world-wide right (including intellectual property right) in the feedback or idea, to be used in any medium now known or hereafter developed, without compensation to You, and You waive any and all moral or author’s rights in such feedback or idea.

10. Termination of Access and/or Account.

In addition to any right or remedy that may be available to us under these Terms or under applicable law, we may limit, suspend, or terminate Your access to the Platform or Other Platforms (including, without limitation, Your Account registration and Your ability to post User Content), at any time, with or without notice, and with or without cause. We also may refer any information on illegal activities, including Your identity, to the proper authorities.

11. Termination and Survival.

These Terms shall remain in full force and effect while You use or access the Services or have an Account with us. If You would like to terminate Your Account please contact us at support.betfanatics.com.

Survival. Sections 6, 7, 8, 9, 10, 11, 12, 13, 14, 18, 19, 20, and 21, together with all other terms which by their nature should reasonably be interpreted as surviving, shall survive any termination of these Terms.

12. Indemnity.

In exchange for the right to participate in the Services, but subject to applicable law, You agree to defend (at our option), indemnify and hold harmless us, our subsidiaries, affiliates, suppliers, and licensors and each of our respective officers, directors, agents, partners and employees (the “FBG Parties”) from any loss, liability, claim, or demand, including reasonable legal fees and costs of suit including experts’ fees, due to or arising out of (i) injuries, damages, or losses to persons and property which may be sustained in connection with participation in any wagering transactions, the receipt, ownership, use or misuse of any winnings or while preparing for, participating in and/or traveling to or from any Services related activity, and any claims based on publicity rights, defamation, or invasion of privacy; (ii) Your User Content; (iii) Your use of the Services and Your activities in connection with the Services (including Your use of the Services in violation of these Terms); (iv) Your breach or anticipatory breach of these Terms; (v) Your violation or anticipatory violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities in connection with Your use of the Services, participation in any wagering transactions, and Your other activities in connection with the Services; (vi) information or material transmitted through Your Account, even if not submitted by You, that infringes, violates, or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; (vii) any misrepresentation made by You; and (viii) our use of the information that You submit to us (including Your User Content and Registration Data) (all of the foregoing, “Indemnifiable Claims and Losses”). We may, in our sole and absolute discretion, require any winner to execute a separate release of claims similar to the one listed above in this Section as a condition of being awarded any bet or receiving any pay-out.

You will cooperate as fully required by us in the defense of any Indemnifiable Claim and Losses. Notwithstanding the foregoing, we retain the exclusive right to settle, compromise, and pay any and all Indemnifiable Claims and Losses. We reserve the right to select counsel and assume the exclusive defense and control of any Indemnifiable Claims and Losses. You will not settle any Indemnifiable Claims and Losses without, in each instance, the prior written consent of an officer of FBG. You are responsible for repaying us for any Indemnifiable Claim or Loss.

13. Disclaimer of Warranties.

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ARE RESPONSIBLE FOR COMPLYING WITH THE AGREEMENTS AND ALL APPLICABLE LAWS WITH RESPECT TO THE USE OF THE SERVICES. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THESE TERMS, THE SERVICES, INCLUDING ALL INFORMATION AND CONTENT MADE AVAILABLE ON OR ACCESSED THROUGH THEM, ARE MADE AVAILABLE TO YOU "AS IS" WITHOUT CONDITIONS, WARRANTIES OR REPRESENTATIONS OF ANY KIND. FURTHER, TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR COLLATERAL, INCLUDING WITHOUT LIMITATION, IMPLIED CONDITIONS OR WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, DURABILITY, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, AND ANY WARRANTIES OR CONDITIONS THAT MAY ARISE FROM COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO WARRANTY: (A) THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE; (B) THAT DEFECTS OR ERRORS IN THE SERVICES WILL BE CORRECTED; (C) THAT THE SERVICES WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; (D) AS TO THE QUALITY, ACCURACY, COMPLETENESS AND VALIDITY OF ANY INFORMATION OR MATERIALS RELATING TO THE SERVICES; (E) THAT YOUR USE OF THE SERVICES, INCLUDING SERVICES AND/OR LINKS PROVIDED BY THIRD PARTIES, WILL MEET YOUR REQUIREMENTS; OR (F) THAT TRANSMISSIONS OR DATA WILL BE SECURE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR THE USE OF THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. THIS DISCLAIMER CONSTITUTES AN ESSENTIAL PART OF THESE TERMS.

EXCEPTIONS: SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER, EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES, CONDITIONS, LIABILITIES AND DAMAGES, SO SOME OF THE ABOVE DISCLAIMERS, EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR WARRANTIES, CONDITIONS, AND LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

14. Limitation on Liability.

YOU UNDERSTAND AND AGREE THAT FBG LIMITS ITS LIABILITY IN CONNECTION WITH YOUR USE OF THE SERVICES AS SET FORTH BELOW: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL FBG OR ANY OTHER FBG PARTIES BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, ECONOMIC, PUNITIVE, OR CONSEQUENTIAL DAMAGES) THAT ARE DIRECTLY OR INDIRECTLY RELATED TO (1) THE SERVICES, INFORMATION OR OTHER CONTENT ON THE PLATFORM, OR YOUR UPLOAD INFORMATION; (2) THE USE OF, INABILITY TO USE, OR PERFORMANCE OF THE SERVICES; (3) ANY ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY FBG OR LAW ENFORCEMENT AUTHORITIES (INCLUDING IGAMING ONTARIO AND THE AGCO) REGARDING YOUR USE OF THE SERVICES OR INFORMATION OR OTHER CONTENT ON THE PLATFORM; (4) ANY ACTION TAKEN IN CONNECTION WITH COPYRIGHT OWNERS OR OTHER INTELLECTUAL PROPERTY RIGHTS HOLDER; OR (5) ANY ERRORS OR OMISSIONS IN THE SERVICES’ TECHNICAL OPERATION, EVEN IF FORESEEABLE OR EVEN IF THE FBG PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, STRICT LIABILITY TORT (INCLUDING, WITHOUT LIMITATION, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, PANDEMIC, TERRORISM, TRADE OR LABOR DISPUTE, TELECOMMUNICATIONS FAILURE, OR THEFT OR DESTRUCTION OF THE SERVICES). TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FBG BE LIABLE TO YOU OR ANYONE ELSE FOR LOSS OR INJURY, INCLUDING, WITHOUT LIMITATION, DEATH, OR PERSONAL INJURY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

YOU UNDERSTAND AND AGREE THAT BY USING THE SERVICES, THERE IS A RISK YOU MAY LOSE MONEY. YOU AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR OWN RISK, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND THE FBG PARTIES HAVE NO RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY CONSEQUENCES ALLEGED TO HAVE OCCURRED THROUGH YOUR USE, OR MISUSE, OF THE SERVICES.

TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAWS, THE TOTAL LIABILITY OF FBG AND/OR ITS AFFILIATES IS LIMITED TO THE AVERAGE ACCOUNT BALANCE IN YOUR FBG ACCOUNT OVER THE ONE HUNDRED AND EIGHTY (180) DAYS IMMEDIATELY PRECEDING THE DATE ON WHICH YOU FIRST ASSERT ANY SUCH CLAIM. WITHOUT LIMITING THE FOREGOING, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE FBG PARTIES ARE NOT RESPONSIBLE FOR ANY DAMAGE TO ANY USER’S COMPUTER, HARDWARE, COMPUTER SOFTWARE, OR OTHER EQUIPMENT OR TECHNOLOGY INCLUDING, WITHOUT LIMITATION, DAMAGE FROM ANY SECURITY BREACH OR FROM ANY VIRUS, BUGS, TAMPERING, FRAUD, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER LINE OR NETWORK FAILURE OR ANY OTHER TECHNICAL OR OTHER MALFUNCTION. YOUR ACCESS TO AND USE OF THE SERVICES IS AT YOUR RISK. IF YOU ARE DISSATISFIED WITH THE SERVICES OR ANY OF THE CONTENT, YOU CAN DISCONTINUE ACCESSING AND USING THE SERVICES OR THE CONTENT. YOU RECOGNIZE AND CONFIRM THAT IF YOU INCUR ANY DAMAGES, LOSSES OR INJURIES THAT ARISE OUT OF FANATICS CASINO ONTARIO’S ACTS OR OMISSIONS, THE DAMAGES, IF ANY, CAUSED TO YOU ARE NOT IRREPARABLE OR SUFFICIENT TO ENTITLE YOU TO AN INJUNCTION PREVENTING ANY EXPLOITATION OF ANY SERVICE OR OTHER PROPERTY OWNED OR CONTROLLED BY THE FBG PARTIES OR YOUR UPLOAD INFORMATION, AND YOU WILL HAVE NO RIGHTS TO ENJOIN OR RESTRAIN THE DEVELOPMENT, PRODUCTION, DISTRIBUTION, ADVERTISING, EXHIBITION OR EXPLOITATION OF ANY FBG SERVICES OR YOUR UPLOAD INFORMATION OR ANY AND ALL ACTIVITIES OR ACTIONS RELATED THERETO. BY ACCESSING THE SERVICES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED.

This provision applies to the fullest extent permissible by applicable law and is subject to the Severability provision in Section 22 hereto.

15. Third Party Transactions.

Through Your use of the Services, You may have the opportunity to engage in commercial or other transactions with other users, vendors and other third parties. You acknowledge that all transactions relating to any merchandise or services offered by any third party, including but not limited to the purchase terms, payment terms, warranties, guarantees, maintenance and delivery terms relating to such transactions, are agreed to solely between the third party seller or purchaser of such merchandise and services and You, and that You will look solely to such third party to enforce any of Your rights. In the event of any problem with the products or services that You have purchased from a third party You agree that You will address such issues with the third party, but all limitations of liability and other rights of FBG shall apply nonetheless. We may not have the ability to accept returns or refund the purchase price for any transaction You complete with a third party through our Services. ANY WARRANTY THAT IS PROVIDED IN CONNECTION WITH ANY PRODUCTS, SERVICES, MATERIALS, OR INFORMATION AVAILABLE ON OR THROUGH THE SERVICES FROM A THIRD PARTY IS PROVIDED SOLELY BY SUCH THIRD PARTY AND NOT BY US.

16. Third Party Game Providers.

Certain aspects of the Services may incorporate third party software and other intellectual property ('Licensed Software'), including casino game software, licensed to us by various third parties ('Third Party Game Providers'). You acknowledge and agree that your use of any Licensed Software is subject to compliance with (i) these Terms and Conditions, and (ii) the applicable Third Party Game Provider's terms and conditions when using the Licensed Software, as may be amended from time to time. You further acknowledge and agree that the Licensed Software is provided "AS IS" and any expressed or implied conditions or warranties, including, but not limited to, the implied conditions or warranties of merchantability, merchantable quality, and fitness for a particular use are disclaimed by us and any applicable Third Party Game Providers. You accept that if we detect any activity which indicates to us that you are in breach of these Terms and Conditions or the terms and conditions of any Third Party Game Provider, we may, in our sole discretion, either suspend or permanently close your account.

17. Export Controls.

Software made available to You by Fanatics Casino Ontario (the "Software"), if any, is subject to export controls. No Software may be downloaded from the Services or otherwise exported or re-exported in violation of export laws. Downloading or using the Software is at Your sole risk.

18. Governing Law and Jurisdiction.

To the extent permitted by law, these Terms will be governed by, and interpreted in accordance with, the laws of the Province of Ontario and the laws of Canada applicable in the Province of Ontario, without regard for its choice of conflict of law principles. Please note that this means that Ontario law (and the laws of Canada applicable in Ontario) shall apply to these terms and all Services.

You consent that the exclusive jurisdiction and venue for any and all past, pending, or future disputes, claims, and causes of action arising out of or connected with the Services or the Agreements (collectively, "Claims") shall be the courts of competent jurisdiction sitting within the Province of Ontario (the "Forum"), and You and we hereby waive any argument that any such court does not have personal jurisdiction or that the Forum is not appropriate or convenient. You and we waive any and all rights to trial by jury with respect to any Claims, to the extent permitted by applicable law.

19. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY — IT DESCRIBES HOW

DISPUTES BETWEEN YOU AND US ARE RESOLVED.

Initial Dispute Resolution Procedure.

FBG will investigate each user complaint related to internet gaming wagering and provide a response to the user within five (5) business days after receipt of the user’s complaint in compliance with Section 23. For complaints that cannot be resolved to the satisfaction of the user and which are related to user Accounts, game outcomes, settlement of wagers and/or illegal activity, a copy of the complaint and FBG's response, including all relevant documentation, will be provided to the AGCO. All other complaints and responses related to Internet gaming (for example, password problems, online chat disputes and technical matters) shall be provided biweekly or with such frequency as approved by the AGCO.

You and FBG agree that good-faith efforts to resolve disputes informally, through FBG's Customer Support process, can often result in a prompt, low-cost, and mutually beneficial outcome. Before escalating a dispute, You are encouraged to contact us at the details set out in Section 23 (Contact Information) below, providing full written details of Your concern. We will work with You to try to resolve the dispute within ninety (90) days of receiving notice from You.

After all reasonable means to resolve the complaint with FBG have been exhausted, You have the right to file a complaint with iGaming Ontario or the AGCO. With the sole exception of disputes that are subject to the exclusive jurisdiction of the AGCO, all other unresolved Claims shall be subject to Section 18 (Governing Law and Jurisdiction) above.

20. One Year Statute of Limitations.

To the extent permitted by law, You and FBG agree that any Claims or lawsuits, regardless of form, arising out of or related to the Services or the Agreements must BE FILED within ONE (1) YEAR of the action, omission, event, or occurrence giving rise to the claim or suit, after which such claims will be time-barred and prohibited, without regard to any longer period of time which may be provided by any period of limitation or repose by law or statute.

21. General Fanatics Casino Terms.

Your use of the "casino" or "games" or "live dealer" portion of the Services and/or Your playing of the games means that you have accepted these online casino terms and conditions, which are legally binding. Further, You acknowledge and agree to be bound by any additional rules which appear within a game, including but not limited to the aforementioned categories, including within a game's help section, game information tab, game rules, including Game Rules relating to the minimum and maximum wagers, maximum payouts, jackpots, disconnections, confirmation of bets, disconnection policies, misuse, and game malfunctions. Game Rules may also include instructions on how to play each game, and the math models utilized by the games. It is Your responsibility to read the Game Rules, terms and conditions, and all policies before you play on the casino or game Platform, and before you play any game. You acknowledge and accept that You may lose money when playing the games, that You are responsible for any loss, and that no amounts lost by You will be recoverable from FBG, its applicable vendors, licensors, suppliers, or partners. You agree that You play the casino and its games at Your own risk.

You acknowledge and accept that random number generator software will determine game outcomes on Fanatics Casino. In the event of any discrepancy between the results displayed to you on your device and a game's records on the game server, the game server's records shall be definitive.

As soon as You become aware of an error, You shall immediately cease play and inform FBG as soon as reasonably practicable of any such error or suspected error.

You agree to refund any such winnings that may have been paid to You as a result of an error, mistake, or malfunction.

To avoid confusion, FBG, its affiliates, vendors, licensors, suppliers, or partners accept no responsibility and will not be liable for any loss resulting from delays, interruptions, or disconnection from the game server or any other causes over which any party has no control.

In the event of any game malfunction, the third-party provider that supplies the applicable game shall determine the final result of the bet and game outcome, which may include, but is not limited to voiding of the game round and return of the original stake, or the automatic settlement of the game.

FBG and/or its third-party vendors may determine maximum payouts for each game as applicable. Maximum payouts will be delineated on a game level and visibly displayed to the end-user on the platform.

Casino promotions will have their own terms and conditions which will govern your participation in the relevant promotion. These terms and conditions will be made available for each promotion as applicable.

The integrity of large wins may be verified by FBG and its applicable third-party vendors prior to the processing of a customer withdrawal or Account settlement. To the extent a large win is held for verification, You will be notified, and FBG will make reasonable efforts to process the win verification within five (5) business days.

If You are deemed or suspected of tampering, attempting to manipulate games, or taking advantage of a game, or a game malfunction or error, Your stakes and/or winnings may be forfeited or refunded, and Your Account may be reviewed to determine its ongoing eligibility to participate in the Service.

You agree that you shall not interfere, interrupt, attempt to interrupt, or attempt to manipulate or take advantage of the Service of the FBG online casino or its games. FBG reserves the right to recover any advantage that you may gain from an error, including the cost and expenses in making such a recovery.

Game Rules and paytables for each individual game are supplied to FBG by its applicable third-party vendors, are visibly displayed to the end-user on the Platform, and are the responsibility of FBG’s third-party vendors, as applicable.

FBG’s and/or its third-party game vendors reserve the right to correct any incorrect game information that may be displayed without any end-user implication or remediation.

The casino and its respective games may only be used for lawful purposes and in a lawful manner. You acknowledge and agree to comply with all applicable laws, statutes, and regulations regarding the casino, and any bets placed on its games. FBG reserves the right to cooperate with law enforcement and/or regulatory authorities as applicable, in investigating claims of illegal activity on the games and/or casino.

FBG reserves the right to suspend, discontinue, modify, remove, or add any game (including but not limited to any live deal table) to the casino at its discretion with immediate effect, and without obligation to provide you notice, and FBG will not be liable as the result of any such action.

22. Miscellaneous.

Notice: We may give You notice of certain events from time to time. You hereby acknowledge and consent that such notices will be effective upon our posting them on the Platform or (if we choose to do so in our sole discretion) delivering them to You through email if You have provided us with Your accurate email address, or otherwise upon our delivery of such notice (to the extent we elect to provide such notice through any other means).

Rules of Construction: The section titles in these Terms are for convenience only and have no legal or contractual effect. The terms “include,” “includes,” or “including” mean “including without limitation.” Unless context requires otherwise, “or” will be constructed in the inclusive sense (“and/or”). To the extent that any provision of these Terms requires or is subject to FBG’s approval or consent, FBG shall be entitled to provide or withhold such approval or consent in its sole discretion. Force Majeure: The failure of FBG to comply with any provision of these Terms due to circumstances beyond its control including but not limited to an act of God, hurricane, war, fire, riot, earthquake, weather, pandemic or endemic, terrorism, act of public enemies, strikes, labor shortage, actions of governmental authorities or other force majeure event will not be considered a breach of these Terms, and FBG’s performance obligations, if any, shall be delayed until such time as performance becomes reasonably practicable and if performance is no longer possible, such non-performance shall not be considered a breach of these Terms.

Assignment: These Terms and Your Account are personal to You, and You may not transfer or assign them. We may require the ability to transfer, assign or sublicense these Terms to a third party, for example (but without limitation) in the case of our engaging new third party service providers or in the case of a merger or acquisition. Our performance under these Terms is subject to existing laws and legal process, and nothing contained in these Terms is in derogation of our right to comply with governmental, court and law enforcement requests or requirements relating to Your use of the Services or information provided to or gathered by us with respect to such use.

Relationship: No joint venture, partnership, employment, or agency relationship exists between You, the FBG Parties, or any third party partner we may use as a result of the Agreements or Your use of the Services.

Entire Agreement: These Terms and all Agreements constitute the entire understanding between You and us, and supersede all prior understandings between You and us relating to the subject matter.

Severability: For the avoidance of doubt, these Terms apply solely to the extent permitted by law. If for any reason any provision of the Terms or portion thereof, is found by a court of competent jurisdiction to be unlawful, void, or unenforceable, that part of Terms will be deemed severable and shall not affect the validity and enforceability of the remainder of these Terms which shall continue in full force and effect. The parties agree further that If any part of these Terms is deemed to be illegal, invalid, void or for any reason unenforceable, that the invalid or unenforceable provision should, to the greatest extent possible, be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

Waiver: Our failure to assert breach or a violation of these Terms or otherwise failure to exercise any rights under these Terms shall not constitute or be deemed a waiver or forfeiture of such rights or a waiver or forfeiture of such rights in the future.

23. Contact Information.

If You experience any problems or have any inquiries or concerns, please contact us. For customer support inquiries, You can reach us at the following address, or by utilizing the “Chat” function, which is available through the Platform: Address: FBG Enterprises Canada, Inc. Address: 22 St Clair Ave E, Suite 200 Toronto, Ontario M4T 2S3 Canada Email: support@betfanatics.com Telephone Number: +1-800-254-0320

For legal inquiries, please contact our registered agent Corporation Service Company at their New York address (https://apps.dos.ny.gov/publicInquiry/EntityDisplay) or to contact FBG Enterprises Canada, Inc. directly legal@betfanatics.com. Do not use these contacts for customer support.