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Nothing in this Agreement shall exclude or limit TSG's and CBIL's liability for: a death or personal injury resulting from its negligence; or b fraud or fraudulent misrepresentation. It is prohibited for a User to open multiple accounts with us. In the event that we become aware of additional accounts opened by a User, we may close such additional accounts without notice and may confiscate funds held in such accounts.

If a User is using a credit or debit card, the cardholder's name on such credit or debit card MUST be the same as the name used by such User upon registration with the Sites. Upon the suspension by us of an account under the circumstances described, you should contact Support for details of our verification process.

Any withdrawals from a Stars Account that are made by bank wire or cheque will only be payable to the name used in the registration process on the Sites for opening the Stars Account. Updating or adding additional payment details may only be done by contacting Support. It is your responsibility to make yourself aware of the terms upon which your payments are accepted. You are solely responsible to keep yourself informed of any changes. You will not be able to place any bets using the Service in an amount greater than the total amount of Player Funds in your Stars Account.

You are fully responsible for paying all monies owed to us. You will reimburse us for any chargebacks, denial or reversal of payments you make and any loss suffered by us as a consequence. The third party credit reference agencies or services may retain a record of the information but they will not use the information for any other purpose. You acknowledge and agree that if your Stars Account is "active" i. In the event that your Stars Account is "inactive" i. Should your Stars Account with a positive balance remain dormant or inactive with no account transactions for a consecutive period exceeding thirty 30 months, we will attempt to contact you with a view to returning the balance and reminding you of the consequences thereof, at least thirty 30 days before your Stars Account is due to become inactive.

If we do not receive a response from you, your Stars Account will be deemed to have become "inactive" in accordance with the provisions of the Gaming Authorisations and Compliance Directive issued by the Malta Gaming Authority and we reserve the right to charge an inactive account fee, so long as the account remains inactive and in credit and without prejudice to your rights in respect of inactive accounts under the said Directive.

We reserve the right to close a User's account for any reason whatsoever at any time without notice to such User. Should we deem it unwise for the Stars Account to be reopened, it will be closed permanently at our sole discretion. Users are strictly prohibited from utilising the Service to facilitate any type of illegal money transfer system.

You will not use the Service for any unlawful or fraudulent activity or prohibited transaction including money laundering under the laws of any jurisdiction that applies to you. If your Stars Account is terminated or blocked in such circumstances, we shall only refund to you any funds that may be standing to the credit of your Stars Account at such time, in accordance with and to the extent permitted by prevailing anti-money laundering laws, regulations, guidelines and implementing procedures in Malta, to the extent applicable to the suspected wrongdoing.

In addition we shall be entitled to inform relevant authorities, other online service providers and banks, credit card companies, electronic payment providers or other financial institutions of your identity and of any suspected unlawful, fraudulent or improper activity and you will cooperate fully with us to investigate any such activity. If VAT or any other similar tax, hereinafter described as " Sales Tax ", applies to any payments made by you in connection with your use of the Service, such payments shall be treated as inclusive of all Sales Tax if any.

The providers of the Licensed Software may require you to agree to additional terms and conditions governing the use of their products including individual RM Game supplier rules. These additional third party terms and conditions can be found within each RM Game and you should review them and ensure that you agree and consent to them prior to using any such third party Licensed Software.

If you continue to play any RM Game or access any part of the Service where we have notified you that third party terms and conditions apply, we will deem you to have accepted and to be bound by the same. If you do not accept these third party terms and conditions, you may not use the relevant third party Licensed Software. You shall not interfere with, modify or reverse engineer any Software provided to you by us or any third party whether Licensed Software or any other Software.

We do not accept any liability in respect of any third party Licensed Software and in particular we do not provide any representation or warranty that any third party gambling products will comply with the terms, conditions or game rules applicable to them, all of which is the responsibility and liability of the relevant Third Party Provider.

The User's use of the Licensed Software is subject to compliance with all of the terms and conditions of this Agreement. The User's use is limited to "Internal Use" meaning use of the Licensed Software only in the course of the User's customary and ordinary internal business or personal use and not for further resale, sublicensing or distribution.

All such employees, agents, and household members shall be notified by the User as to the terms and conditions of this Agreement. Raymond, by Peter Steinberger and by Eric Young "as is" and any expressed or implied warranties, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose are disclaimed. In the event of a discrepancy between the cards displayed on your computer and the game records on TSG's and CBIL's servers the latter shall prevail.

The User accepts that the "Instant Hand History" and "Hand Replayer" features of the Software shall not be considered as the official historical record of any hand. Should you remain dissatisfied with the resolution of your complaint after interacting with our customer support team you may contact our third-party dispute resolution provider, IBAS, at this email address. For further details visit IBAS' website here.

Alternatively, you may refer the matter for alternative dispute resolution through the EU's Online Dispute Resolution Platform. For more information please visit their website and follow the guidance provided to log your complaint. As part of this process you will be requested to provide our email address which can be found by clicking here. We will notify you of any material changes to be introduced to this Agreement on the Sites or via other means before such changes come into effect, and you will be required to expressly accept such changes in order to continue using the Service and the changes will apply immediately following your express acceptance.

We encourage you to visit the Sites regularly and check the terms and conditions contained in the version of the Agreement in force at such time. Your continued use of the Sites shall be deemed to attest to your agreement to any amendments to the Agreement. The Agreement and any matters relating hereto shall be governed by, and construed in accordance with, the laws of Malta.

You irrevocably agree that, subject as provided below, the courts of Malta shall have exclusive jurisdiction in relation to any claim, dispute or difference concerning the Agreement and any matter arising therefrom and irrevocably waive any right that you may have to object to an action being brought in those courts, or to claim that the action has been brought in an inconvenient forum, or that those courts do not have jurisdiction.

Nothing in this Clause shall limit your right or the right of TSG and CBIL to take proceedings against you in any other court of competent jurisdiction, nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any other jurisdictions, whether concurrently or not, to the extent permitted by the law of such other jurisdiction.

This choice of law provision is without prejudice to the rights that may be granted to you as a consumer under mandatory provisions of European Union Law or of the law that would be applicable to you in the absence of such choice of law provision. If a provision of this Agreement is or becomes illegal, invalid or unenforceable in any jurisdiction, that shall not affect the validity or enforceability in that jurisdiction of any other provision hereof or the validity or enforceability in other jurisdictions of that or any other provision hereof.

For our slot games offering a statutory minimum average pay-out ratio applies. In order to review specific pay-out ratios per game players may refer to the return to player rates RTP listed by the provider within the individual game frame. The term pay-out ratio or RTP refers to the relationship between stakes and winnings. It is based on settings of the random number generator and will be achieved on a long-term and average basis.

No waiver by TSG and CBIL of any breach of any provision of this Agreement including the failure of TSG and CBIL to require strict and literal performance of or compliance with any provision of this Agreement shall in any way be construed as a waiver of any subsequent breach of such provision or of any breach of any other provision of this Agreement.

Nothing in this Agreement shall create or confer any rights or other benefits in favour of any third parties not party to this Agreement other than with respect to any company within the Flutter Group and any Third Party Providers.

Nothing in this Agreement shall create or be deemed to create a partnership, agency, trust arrangement, fiduciary relationship or joint venture between you and us. This Agreement constitutes the entire understanding and agreement between you and us regarding the Service and supersedes any prior agreement, understanding, or arrangement between you and us. The English language version of this Agreement shall be the prevailing version in the event of any discrepancy between any translated versions of this Agreement.

All rights reserved. Version 1. This end user license agreement PM Games the " Agreement " should be read by you the " User " or " you " in its entirety prior to your use of Stars Mobile Limited's service or products. Please note that the Agreement constitutes a legally binding agreement between you and Stars Mobile Limited referred to herein as " Stars Mobile ", " us ", " we " or " our ".

The terms and conditions governing your play on PM Games are below. Therefore " Software " will include the Stars Mobile software downloadable to your personal desktop or laptop computer " PC " from www. Subject to the terms and conditions contained herein Stars Mobile grants the User a limited, non-exclusive, personal, non-transferable, non-sublicensable, revocable right to install and use the Software on your PC or Device, as the case may be, in order to access the Stars Mobile servers and play the PM Games available the Software and the PM Games together being the " Service ".

The Software is licensed to you by Stars Mobile for your private personal use. Stars Mobile is not able to verify the legality of the Service in each jurisdiction and it is the User's responsibility to ensure that their use of the Service is lawful. We reserve the right at any time to request from you evidence of age in order to ensure that minors are not using the Service.

We further reserve the right to suspend or cancel your account and exclude you, temporarily or permanently, from using the Service if satisfactory proof of age is not provided or if we suspect that you are underage.

The Flutter Group and its licensors including any Third Party Providers reserve any and all rights implied or otherwise, which are not expressly granted to the User hereunder and retain all rights, title and interest in and to the Software.

You shall notify Stars Mobile immediately upon becoming aware of the commission by any person of any Unauthorised Use and shall provide Stars Mobile with reasonable assistance with any investigations it conducts in light of the information provided by you in this respect. You hereby grant us for the benefit of the Flutter Group a worldwide, irrevocable, transferable, royalty free, sublicensable license to use such names and images for any purpose connected with the Sites or Service, subject to the terms of our Privacy Policy.

You hereby acknowledge and agree that these "real world" terms are only used figuratively, and you agree that you have no right or title in Virtual Items, whether "earned" in a PM Game or "purchased" from Stars Mobile.

You may not sublicense, trade, sell, or transfer Virtual Items for value of any kind outside of a PM Game or attempt to do any of these things. In addition, you acknowledge that Stars Mobile may commence legal action against you for any harm done by such transfer or attempted transfer of Virtual Items outside of the PM Games.

When you purchase a license to use Virtual Items in-game, Stars Mobile may send you a confirmatory email that will contain details of the Virtual Items you have ordered. Stars Mobile keeps records of transactions in order to deal with any queries.

You acknowledge and agree that Virtual Items will not be usable if either a the PM Game in question is withdrawn for any reason; or b the Virtual Item in question is withdrawn for any reason. However, if Stars Mobile gives you reasonable prior notice of a withdrawal of a PM Game or Virtual Item, you will not be entitled to a refund of any affected Virtual Items and Stars Mobile will have no further liability to you. Stars Mobile disclaims any and all warranties, expressed or implied, in connection with the Service which is provided to you "AS IS" and we provide you with no warranty or representation whatsoever regarding its quality, fitness for purpose, completeness or accuracy.

We make no warranty that the Service will be uninterrupted, timely or error-free, that defects will be corrected or that the Software and the Sites shall be free from viruses, bugs or other contaminants. Stars Mobile reserves the right to suspend, discontinue, modify, remove or add to the Service in its absolute discretion with immediate effect and without an obligation to provide you with notice where we consider it necessary to do so, including for example where we receive information that you have entered into any self-exclusion agreement with any gambling provider or where we deem it necessary for the management, maintenance or update of the Software and we shall not be liable in any way whatsoever for any loss suffered as a consequence of any decision made by Stars Mobile in this regard.

Stars Mobile retains authority over the issuing, maintenance, and closing of Users' play-money accounts on the Sites. The decision of Stars Mobile's management, with regard to any aspect of a User's account, use of the Service, or dispute resolution, is final and shall not be open to review or appeal. The User's Stars Account will provide access to all the Sites, made available to you under the terms of this Agreement by Stars Mobile, as applicable to your geographical location.

Virtual Items have no value in and of themselves and are not transferable and exchangeable within a Stars Account. Further, such Virtual Items have no value in themselves and are not redeemable for any 'real' currency or prize. Thus you are prohibited from sublicensing, renting, leasing, selling, trading, gifting, bequeathing or otherwise transferring your Stars Account or any Virtual Items associated with your Stars Account to a third person;.

The Service is intended solely for the User's personal use and entertainment and not for money and must not in any way be used to create any financial gain or other pecuniary advantage to you. The User must provide full and truthful information in respect of all details and information provided by the User to Stars Mobile and the User is obligated to update such details in the event of any change thereto.

Collusion and cheating between Users by sharing poker hole cards or by any other methods is strictly forbidden. In addition, Stars Mobile reserves the right to consider any collusion or attempt at collusion between players including Users as a material breach of this Agreement and accordingly Stars Mobile shall have the right to terminate a User's account if a User engages or attempts to engage in any such activity, regardless of the outcome of such attempt.

Users should report any suspected collusion or cheating to Support. Stars Mobile prohibits external player assistance tools " EPA Tools " that are designed to provide an "unfair advantage" to players. These steps may include, but are not limited to, examination of software programs running concurrently with the Stars Mobile Software on the User's PC or Device.

Any User who participates or attempts to participate in chip-dumping with any other User, while using the Service may be permanently banned from using the Service and their Stars Account may be terminated immediately. In such circumstances Stars Mobile will be under no obligation to return or credit to you any chips that may be in your Stars Account at such time.

In the event that Stars Mobile deems that a User has engaged or attempted to engage in fraudulent, unlawful, dishonest or improper activity while using either the Service or any of the other services, products or facilities of the wider Flutter Group, including without limitation, engaging in any of the activities set forth in this Clause 5 or any other game manipulation, or the making of any fraudulent payment, including without limitation, use of a stolen credit card or fraudulent chargeback or money laundering, Stars Mobile shall be entitled to take such action as it sees fit, including, but not limited to:.

The User is prohibited from posting any unlawful, indecent, racist, obscene, libelous, defamatory or threatening material or any material that would violate any law or generally be considered to be offensive, via the Service whether using the chat function, the player images option or in correspondence with Stars Mobile's or the Flutter Group's staff. A breach of this Agreement by a User shall be deemed to be a breach of every other agreement between the User and a member of the Flutter Group.

You agree to fully indemnify, defend and hold harmless Stars Mobile, all other Flutter Group companies and their shareholders, directors and employees from and against all claims, demands, liabilities, damages, losses, costs and expenses, including legal fees and any other charges whatsoever, howsoever caused, that may arise as a result of:.

Subject to Clause 8. Nothing in this Agreement shall exclude or limit Stars Mobile's liability for: a death or personal injury resulting from its negligence; or b fraud or fraudulent misrepresentation; or c any liability which cannot be excluded or limited under applicable law including, for the avoidance of doubt, The Misrepresentation and Unfair Contracts Act Isle of Man.

Each Stars Account shall be accessible through the use of a combination of a unique username " Username " , a unique and secret password " Password " , and other optional numeric authentication methods that the User may select the Username, Password and any other authentication features together being referred to as the " Login Credentials ". It is prohibited for a User to open multiple accounts with Stars Mobile. In the event that Stars Mobile becomes aware of additional accounts opened by a User, Stars Mobile may close such additional accounts without notice and may confiscate Virtual Items held in such additional accounts.

You will not be able to place any bets with Virtual Items using the Service in an amount greater than the total amount of Virtual Items in your Stars Account. You are fully responsible for paying all monies owed to Stars Mobile. You will reimburse Stars Mobile for any chargebacks, denial or reversal of payments you make and any loss suffered by us as a consequence. The providers of Licensed Software may require you to agree to additional terms and conditions governing the use of their products including individual PM Game supplier rules.

These additional third party terms and conditions can be found within each PM Game and you should review them and ensure that you agree and consent to them prior to using any such third party Licensed Software. If you continue to play any PM Game or access any part of the Service where we have notified you that third party terms and conditions apply, we will deem you to have accepted and to be bound by the same.

In the event of a discrepancy between the cards displayed on your computer and the PM Game records on the Stars Mobile server the latter shall prevail. Stars Mobile may update or modify the terms of this Agreement or any part thereof from time to time. We will notify you of any material changes to be introduced to this Agreement on the Sites or via other means before such changes come into effect, and you will be required to accept such changes in order to continue using the Service and the changes will apply immediately following your acceptance.

The Agreement and any matters relating hereto shall be governed by, and construed in accordance with, the laws of the Isle of Man. You irrevocably agree that, subject as provided below, the courts of the Isle of Man shall have exclusive jurisdiction in relation to any claim, dispute or difference concerning the Agreement and any matter arising therefrom and irrevocably waive any right that you may have to object to an action being brought in those courts, or to claim that the action has been brought in an inconvenient forum, or that those courts do not have jurisdiction.

Nothing in this Clause shall limit your right or the right of Stars Mobile to take proceedings against you in any other court of competent jurisdiction, nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any other jurisdictions, whether concurrently or not, to the extent permitted by the law of such other jurisdiction.

Stars Mobile reserves the right to assign this Agreement, in whole or in part, at any time without notice. While The Stars Group and certain of its subsidiaries, in particular SBG, leverage third-party technology where appropriate, The Stars Group continuously develops its proprietary platforms and key elements of its technology, as well as certain games and content using in-house resources.

The Stars Group has invested significantly in its technology to support what it believes to be excellence in key areas such as platform infrastructure, product, content, security and integrity. This flexible, scalable and robust management system enables The Stars Group to optimize the player experience by using real-time data to enhance the personalization, incentives and rewards that each customer enjoys.

The Stars Group is currently increasing its investment in proprietary content. During , The Stars Group launched a total of new in-house casino games, with game design and content tailored towards its customer base. The Stars Group expects this increased investment to lead to additional content launches during HTML5 programming helps ensure games are compatible across all devices including mobile, web and desktop , creating a more consistent and secure user experience.

Core Gaming is expected to enable The Stars Group to accelerate the development of bespoke and exclusive games that are tailored towards its customer base. Core Gaming also licenses some of its content on a B2B basis to third-party operators. The Stars Group believes that differentiated gaming content is important to its success in the online gaming industry, offering unique, proprietary games alongside the most popular games from third parties.

As commercially feasible and appropriate, The Stars Group seeks to negotiate competitive pricing with its third-party providers and generally believes that the availability of software, components and other supplies that it uses are adequate and can be sourced from more than one provider or supplier.

The Stars Group believes that investment in differentiated products helps attract and retain customers. Innovative betting products such as RequestABet allow The Stars Group or its subsidiaries to differentiate their product offerings within the market. The Stars Group primarily develops and produces its product offerings internally through, among other resources, internal engineering teams, software architects, network operations teams and production operations staff.

The Stars Group also engages third parties to assist in development and production on an as-needed basis. For instance, SBG currently contracts with several development and production providers, including betting and gaming platform providers, for certain of its front- and back-end technology that is currently used in its product offerings.

SBG uses a flexible approach to technology. While SBG believes that it uses appropriate technology and components for each of its products and services, a common theme of using open-source technology and modular development runs across its products and underlying platform choices. Where regulation allows, SBG uses cloud technology across elements of its technology stack. Its most prominent use of cloud technology is in its free-to-play games, such as Soccer Saturday Super 6 and Sky Sports Fantasy Six-A-Side , with other products being migrated to the cloud as a key principle of the technology strategy.

Investment in mobile technology is important for SBG, which was an early adopter of mobile technologies, with the majority of its revenues being generated from mobile devices. The Stars Group is currently developing a proprietary global betting and trading platform to capture certain elements, features and capabilities of Sky Bet , BetStars and BetEasy technology.

The Stars Group believes that this will permit it to develop new products quicker and deploy them globally but in a localized format. In addition to accelerating new product innovation and delivery, The Stars. Group expects its global betting and trading platform to deliver cost efficiencies through global risk management and pricing, and streamlined product development.

In addition to supporting a superior customer proposition, investments in technology are also vital for game integrity and responsibility. The Stars Group believes that investments in technology support game integrity. These include machine learning based real-time data analytics, led by an internal information security group with respect to various aspects of its technology infrastructure.

Through several of its internal teams, including its security, customer operations, game integrity, fraud teams and data protection, The Stars Group monitors application level security, information and payment security, game integrity, customer fraud, information and data protection.

This includes implementing policies and controls over the use of abusive technological tools and software, assessing pricing and incentives, and introducing improvements to product ecosystems. In particular, The Stars Group has implemented and continues to implement, policies and controls to significantly reduce or eliminate the use of certain sophisticated technology that may provide an artificial competitive advantage for certain customers over others.

The Stars Group is also increasingly using data science to improve the player experience and player protection. For instance, in , SBG rolled out the first stages of its in-house, real-time promotions platform, which provides a real-time view of customer interactions, enabling the creation of innovative personalized products and promotions based on game play and customer success.

For example, a customer with an unusually unlucky run on roulette might receive an instant real-time bonus, delivered within seconds inside the game itself, but the same technology is also used to suppress marketing to a similar customer who is showing signs of potential problem gambling or harm.

The segmentation, decision-making and fulfilment mechanics all occur within the window of a game spin. A customer deemed to be at risk will instead receive safer gaming messages and prompts to use the self-help tools such as deposit limits and self-exclusion. In addition to its internal resources and personnel such as its information security group, The Stars Group also uses third parties to provide cyber security, including anti-virus software, network monitoring software, firewalls, penetration testing and similar protection.

The Stars Group also engages from time to time in longer term fundamental research and may do so in the future either directly or through the funding of third-party projects. Markets and Customers. The gaming industry in general operates in a large, dynamic and growing global market with a variety of segments, including online including mobile and land-based poker, betting, casinos, bingo rooms and other gaming mediums.

Of this to tal, H2GC estimates that in alone, betting, i. Online gaming operators take advantage of scale and technology to provide gaming to large networks of customers. This rise in popularity saw global online poker grow significantly, notably in Europe and North America, until Various industry data sources currently estimate that the United States still represents a potential growth opportunity for real-money online poker between and , subject to more U.

Currently, only New Jersey, Nevada, Delaware and Pennsylvania have, or recently passed legislation regulating online poker or online gaming. However, in recent years multiple states have considered or are currently considering proposed legislation to regulate online poker or online gaming, including Illinois, Michigan, New York, Massachusetts and California.

While The Stars Group currently believes more states will regulate online poker or online gaming in the future, there can be no assurance when this will happen, if at all. According to H2GC, the majority of this growth is currently expected to come from Europe. Seasonality and Other Factors Impacting the Business. The Stars Group believes that the climate and weather in geographies where its customers reside tend to impact, among other things, revenues from operations, key metrics and customer activity, and as such, historically those have been generally higher in the first and fourth quarters than in the second and third quarters.

The betting operations and thus the financial performance of The Stars Group are also subject to the seasonal variations dictated by various sports calendars. Also, the cancellation of sporting events most commonly seen in horse racing due to adverse weather conditions could negatively impact amounts wagered and revenues. With respect to online betting, revenues generally fluctuate in line with wagering levels and associated win margins or the total customer wagers less customer winnings as a proportion of the total amount wagered.

However, the impact on revenues may be mitigated by the impact of win margins on amounts wagered, which can fluctuate inversely with such margins. Conversely, while periods of low win margins tend to negatively impact revenues, this may be partially mitigated by increased customer wagering volume generally referred to as recycling of winnings due to the positive impact of customer-favorable results on customer experience, enjoyment and engagement.

As such, results for any quarter are not necessarily indicative of the results that may be achieved in another quarter or for the full fiscal year. Intellectual Property. The Stars Group believes that its intellectual property rights currently provide broad and comprehensive coverage for its product offerings.

The Stars Group actively seeks to protect and enforce its intellectual property rights to prevent unauthorized use by third parties, including through applications for injunctive relief and pursuing further litigation, as necessary.

In addition, The Stars Group seeks to preserve the integrity and confidentiality of its data, trade secrets and know-how by maintaining the physical security of its facilities and the electronic security of its information technology systems.

In addition, it currently owns approximately 7, domain names, as well as unregistered intellectual property, which includes copyright works, such as source codes, software codes, logos, audio-visual elements, graphics, original music, story lines, interfaces, advertisements, films and videos, copyrights and databases including customer lists , unregistered trademark rights, confidential information and trade secrets.

Issued and registered rights and applications for such rights are held directly or indirectly by The Stars Group in numerous jurisdictions around the world, including the United States, Canada, Europe, Russia, certain Latin American countries, China and certain Australasian countries. In addition to the granted patents mentioned above, The Stars Group has pending patent applications in the United States and certain other key commercial jurisdictions, such as Canada and Europe, and files new patent applications as and where it deems appropriate.

The actual protection afforded by a patent depends upon the type of patent, the scope of its coverage and the availability of legal remedies in the applicable jurisdiction. In addition to patent rights, The Stars Group has registered trademarks or trademark applications for, among other things, its primary brands, including The Stars Group, PokerStars , BetStars , Full Tilt , BetEasy , Oddschecker and related sub-brands, as well as its live poker tours in more than 40 jurisdictions worldwide where The Stars Group believes there is a commercial benefit for having such registrations.

The Stars Group continuously monitors its trademark portfolio and files new registration applications as and when it deems appropriate. The Stars Group believes that its use of licensed brand names and related intellectual property may contribute to the appeal and success of its products.

These licensing agreements may be subject to various conditions and typically involve The Stars Group paying royalties to each licensor. Licensors also typically have the right to inspect and approve the use of licensed property. The Stars Group recognizes, however, that effective protection. The Stars Group also seeks to protect its copyright works through either or both the registration of such works with applicable governmental authorities where available and it deems registration strategically beneficial and reliance on international treaties.

It believes that such protection is adequate for its purposes in the jurisdictions in which it operates, or currently expects to operate in the near term. Similar to its other intellectual property rights, The Stars Group continuously monitors its copyright portfolio and updates its policy regarding the registration of copyrights to seek the appropriate protection available under applicable laws.

In addition, The Stars Group also enters into various types of licensing and transfer agreements related to technology and intellectual property rights to obtain rights that may be necessary to produce and offer its product offerings. The Stars Group may also license its technology and intellectual property to third parties through licensing agreements. Regulatory Environment.

Applicable gaming laws generally require The Stars Group to obtain licenses or a determination of suitability from the responsible gaming authorities. The criteria used by gaming authorities to make determinations as to the suitability of an applicant to conduct gaming varies among jurisdictions, but generally requires extensive and detailed application disclosures followed by a thorough investigation.

Gaming authorities have broad discretion in determining whether an applicant should be found suitable to conduct gaming. Events that may trigger revocation of a gaming license or another form of sanction vary by jurisdiction. Gaming authorities also have the right to investigate any individual or entity having a relationship or involvement with The Stars Group or any of its subsidiaries, to determine whether such individual or entity is suitable as a business associate of The Stars Group.

In addition, certain gaming authorities monitor the activities of the entities they regulate in jurisdictions other than their own to ensure that such entities are not conducting business elsewhere in a manner that might adversely affect their financial stability, integrity and responsibilities to comply with local laws. As a regulated entity, The Stars Group is subject to various conditions and requirements under its gaming licenses.

Conditions of these gaming licenses vary by license type and jurisdiction. The requirement to file periodic reports, as well as the contents and frequency of such reports, varies by gaming license. If required, periodic reports generally must be filed quarterly or annually, and must contain certain information, metrics, details or audit findings related to revenues and other financial information, specific games or activities, anti-money laundering and terrorist financing activities, and information and data security.

Certain gaming licenses also require licensed companies to implement a system that grants the gaming authority real-time access to certain player-related data of the licensed company, thus enabling the gaming authority to perform audits or analysis at its discretion. For example, the Italian regulator requires a real-time interface to enable it to assess gaming duties.

Further, as a public company The Stars Group is required to, among other things, maintain effective internal controls over its financial reporting and disclosure controls and procedures, maintain systems for accurate record keeping and maintain strict compliance with applicable laws and regulations. The Stars Group, through certain of its subsidiaries, is licensed or approved to offer, including under third-party gaming licenses, its gaming product offerings in various jurisdictions worldwide, including in Europe, both within and outside of the European Union, which is currently its primary market, Australia, North America and elsewhere.

Local Licenses and Approvals. Holders of sportsbookmaker licenses issued by the NTRC are permitted to provide sports betting services over the Internet to customers throughout Australia. The NTRC conducts ongoing suitability and due diligence investigations in relation to its license holders, their shareholders and key management personnel. NTRC license holders are also required to comply with all relevant Australian state and territory laws as well as applicable federal legislation, including the Anti-Money Laundering and Counter Terrorism Financing Act Cth.

These licenses issued are valid through June 30, and June 30, Belgian law generally prohibits the operation of a gaming establishment or the offering of gaming in any form, in any place, or in any direct or indirect way, unless a license is granted by the Belgian Commission in accordance with Belgian law.

The Belgian licensing regime provides that only land-based licensees may offer online gaming as a supplementary product to the land-based gaming offerings, meaning that an online gaming operator that does not also operate a land-based gaming business in Belgium typically needs to enter into an arrangement with an existing land-based licensee. Gambling Management S. The Maltese subsidiary, which received a Class E gaming license on April 20, , provides online gaming to Casino de Namur, which in turn offers such gaming to its customers in Belgium.

So long as the applicable license fees are paid, the Maltese subsidiary remains compliant with applicable licensure requirements and the license is not suspended, revoked or otherwise surrendered, The Stars Group expects that the license will remain valid for 10 years with a renewal procedure available no later than 5 months prior to its expiration. A license for organizing online gaming must explicitly state the intended gaming activity by the holder.

Bulgaria requires that the licensee be registered in a European Union member state, another state signatory to the European Economic Area Agreement or in the Swiss Confederation. The licensee must also appoint an authorized representative with an address in Bulgaria, with the authority to represent the licensee before state authorities or Bulgarian courts.

The Bulgarian Gambling Act also requires that certain communication equipment be located in Bulgaria for reporting purposes. The license is valid for 10 years and may not be transferred. Czech Republic. Under the Act on Gambling Coll. On October 4, , the MFCR granted approval to this same subsidiary to provide sports betting to customers in the Czech Republic, which will expire on October 3, If the applicant has not yet obtained the required certifications for its gaming system through testing, the DGA will issue a fixed-term one-year license until such certifications are complete.

Activity licenses are generally valid for an unspecified period of time. This operating permit, which was subsequently renewed in September , is valid through September 21, Act No. Each type of online gaming requires a separate gaming license. Government decrees and orders are also a part of the French regulatory system.

The decrees and orders that The Stars Group believes are relevant to its business, address, among other topics, changes of control, customer accounts and the licensing process. French regulation requires the submission of an annual certification audit, which is a technical and security audit relating to the hosting platforms that power the services provided under the applicable ARJEL gaming license.

On July 6, , the gaming authorities of Portugal, Spain, France and Italy signed an agreement in Rome providing for online poker liquidity to be pooled across all four jurisdictions. This concordat has taken some time to implement as it depends upon each jurisdiction issuing local clearance for its players to take part.

The Stars Group anticipates the necessary local authorization from the gaming authority in Italy to permit players from that jurisdiction to join the pooled liquidity in the near future. Germany—Schleswig Holstein. The German state of Schleswig Holstein issued a gaming license to a Maltese subsidiary of The Stars Group pursuant to a state law adopted in that regulated and licensed online gaming. Although the law has since been repealed and the gaming license expired on December 21, , the Schleswig Holstein Ministry of Interior issued an order permitting the Maltese subsidiary to continue operating under the gaming license until such time as the Ministry of Interior deems otherwise.

Under such gaming license and order, and only until the expiration of the order, the Maltese subsidiary is permitted to offer poker games and certain casino games to customers in Schleswig Holstein. Under the Greek Gambling Act, companies that have been licensed by the Greek Ministry through public tenders are authorized to offer online gaming.

The Greek Gambling Act also allows for companies that hold gaming licenses in other member states of the European Union to apply for interim temporary licenses, which will remain valid until the formal licenses are awarded. Greek authorities have announced regulations that would make permanent the Greek temporary regime and the consultation on those regulations concluded in February Currently, the political situation in Greece is volatile and it is unclear whether, when and in what form, the permanent licensing framework will finally be implemented in that jurisdiction.

All Irish online betting licenses are valid for two years and commence and expire on the same dates, having been renewed as a class in June and are therefore currently valid through June 30, In addition, as a result of the SBG Acquisition, another subsidiary of The Stars Group also holds an online betting license from the Irish National Excise Licence Office to provide online sports betting to customers in Ireland, which is currently valid through June 30, All operators, both foreign and domestic, are required to obtain a gaming license from the ADM to provide online gaming products to residents in Italy.

On February 11, , The Stars Group was informed that it will receive one of such licenses. In addition, as a result of the SBG Acquisition, another subsidiary of The Stars Group also holds a gaming license covering poker, casino and sports betting in Italy, which is currently valid through February 3, , although with the permission of the ADM the. As noted above, on July 6, , the gaming authorities of Portugal, Spain, France and Italy signed an agreement providing for online poker liquidity to be pooled across all four jurisdictions.

The relevant subsidiaries of The Stars Group commenced shared poker liquidity involving French and Spanish players on January 16, and added Portuguese players on May 23, but the necessary ADM authorization for the addition of Italian players has not yet been finalized.

Portuguese regulation requires the submission of monthly financial reports regarding, among other things, customer liability information and gaming duty reporting. The relevant subsidiaries of The Stars Group commenced shared poker liquidity involving French and Spanish players on January 16, and added Portuguese players on May 23, In Spain, gaming is traditionally regulated by each of the seventeen autonomous regions.

The Spanish Gambling Act establishes two categories of gaming licenses: general and single, as well as a permit for offering occasional games. General licenses are valid for a ten-year term, and may be renewed for additional ten-year periods. The DGOJ offers general licenses through a competitive and public tendering process.

The Gambling Act requires applicants to apply for provisional registration in the General Register of Gambling Licenses prior to requesting a call, or public notice of application, for a general license. The Gambling Act grants the DGOJ the authority to restrict the number of licenses awarded for each type of game based on public interest and whether a company requests a call, in each case allowing the DGOJ to control the license review and authorization process.

If the number of licenses for a particular type of game is restricted, the licenses offered during that call are not automatically renewable. The same subsidiary is also authorized to advertise, sponsor and promote the games authorized by the gaming licenses.

The general license is valid for a ten-year term, and the singular license is valid for a five-year term and has been renewed through June 1, This subsidiary has also been granted singular licenses for blackjack, roulette and sports betting and a general license for sports betting. The gaming licenses for blackjack and roulette expire on February 2, The singular and general sports betting licenses expire on June 2, and June 2, , respectively.

Pooled liquidity between Spanish and French players launched on January 16, and Portuguese players were added on May 23, The Stars Group is awaiting the necessary local authorizations to include Italian players. The Lotteries Act prohibited the arrangement of unlicensed lotteries and the promotion of participation, in commercial operations or otherwise for the purpose of profit, in unlawful domestic lotteries or foreign lotteries.

The Lotteries Act did not in any material way distinguish between land-based gambling and online gambling. Under the Lotteries Act regime it was not possible for a private commercial entity to obtain a license to provide online gambling services to Swedish customers. It was however, not illegal for private operators established in another European Union member state to offer gambling services to Swedish customers.

On October 16, , the European Commission took two separate decisions to bring infringement proceedings against the Swedish government to the CJEU in relation to the Swedish legislation for gambling services. In Sweden, court cases have found that the only activity covered by the Lotteries Act was local advertising carried out by local media companies. These cases are against the media companies and courts tended to find that the prohibition of advertising for operators not holding a Swedish license was unenforceable because the Lotteries Act was widely regarded as being in violation of the TFEU.

On December 10, , a subsidiary of The Stars Group was awarded a license under the new act and launched a licensed offering of poker, casino and betting on January 1, The offering under the license is currently undergoing a certification that must be submitted no later than July 1, Great Britain. The Act established the Gambling Commission as the regulator responsible for granting licenses to operate gambling services as well as overseeing compliance with applicable law and regulation.

In , the UK Parliament passed the Gambling Licensing and Advertising Act , which required all remote gambling operators serving customers in Great Britain or advertising in Great Britain to obtain a license from the Gambling Commission. The terms of these operating licenses require that the relevant subsidiary of The Stars Group source all telecommunication services in respect of its gaming activities, including the supply of a telecommunications circuit and internet access service, from a licensed provider.

So long as the applicable license fees are paid and the British licenses are not suspended, revoked or otherwise surrendered, The Stars Group expects that the licenses will remain valid indefinitely. United States. Pursuant to this guidance, the legislatures of New Jersey, Nevada, Delaware and Pennsylvania authorized intrastate online gaming, provided that the gambling does not concern a sporting event or contest.

More specifically, the OLC. Under the MSIGA, customers can only access online gaming sites that are licensed by the state in which they are located, i. The MSIGA sets forth certain minimum standards that each state is expected to have in place, including common standards in the regulated gaming industry, such as age and identity verification, anti-money laundering and related protocols, data security, and other measures intended to assure the integrity of wagering conducted pursuant to the MSIGA.

National Collegiate Athletic Association formerly known as Christie v. National Collegiate Athletic Association , No. More detail on the regulatory framework in New Jersey and Pennsylvania, where The Stars Group currently holds a transactional waiver and conditional licenses, respectively, is provided directly below. New Jersey. Under the online gaming laws in New Jersey, third-party companies may provide services to casino licensees to facilitate online poker casino and sports wagering, including website hosting and the providing game content.

Certain subsidiaries of The Stars Group were issued an initial six-month transactional waiver on September 30, in relation to an agreement entered into with an affiliate of Resorts Casino Hotel in Atlantic City, New Jersey to conduct online gaming in the state. Additional six-month renewal transactional waivers have been granted to these subsidiaries to continue operations with the most recent transactional waiver granted on September 30, and valid until March 30, The transactional waiver may be renewed in six-month intervals until a full, five-year license is issued; there can be no assurance that such a license will be issued.

The transactional waiver contains certain conditions, including, prohibiting certain individuals from having any relationship with The Stars Group and informing the NJ DGE of various actions of such individuals, providing the NJ DGE with notice of certain corporate actions and copies of records relating to the same, and providing certain inspection rights to the NJ DGE.

In , the Commonwealth of Pennsylvania passed gambling expansion legislation which included the authorization of online gaming and sports wagering, both land-based and online. Under the gambling expansion legislation, third-party operators may offer online poker, casino and sports betting on behalf of, or in partnership with, an interactive gaming certificate holder, i. The term of the operator license is for a period of five years and. The PGCB is also authorized to issue conditional licenses upon the completion of its preliminary investigation, which authorize providers to conduct interactive gaming on behalf of an interactive gaming certificate holder subject to completion of certain conditions by the interactive gaming certificate holder.

On November 28, , a subsidiary of The Stars Group was issued a conditional interactive gaming operator license by the PGCB and on December 19, that same subsidiary was issued a conditional sports wagering operator license by the PGCB.

Upon completion of certain technical review and operational approvals, The Stars Group can commence online gaming in Pennsylvania. Multi-Jurisdictional Licenses. This principle is widely relied upon by online gaming operators as well as by many other e-commerce businesses. Accordingly, The Stars Group relies on the fact that its supply of online gaming product offerings is lawfully licensed or approved within the jurisdiction of origin i. Where, however, any jurisdiction has enacted local domestic laws that clearly prohibit the availability to citizens of online gaming products hosted abroad, and where it is clear that such local domestic law has extra-territorial application to The Stars Group to the extent that the principle of extra-territoriality described above is clearly overridden, The Stars Group will take technical and administrative measures aimed at preventing persons from the relevant jurisdictions accessing its gaming product offerings.

The Bailiwick of Guernsey includes Alderney, which has been recognized as a leading offshore licensing jurisdiction for remote gambling since Section 5 1 of the Gambling Alderney Law operates so as to make all forms of gambling unlawful unless conducted in accordance with the terms of an ordinance.

Alderney unlike neighboring Guernsey issued an ordinance in providing that only online gambling known as eGambling conducted under a licence is lawful. The state has subsequently refined the regulation of eGambling by adopting various amendments to this ordinance and by issuing the Alderney eGambling Regulations The current ordinance regulating online gambling in Alderney is the Alderney eGambling Ordinance Remote operators, B2B core service providers and key individuals all require a license issued by the AGCC to offer their services from Alderney.

A subsidiary of SBG currently holds Category 1 and Category 2 eGambling licenses , which permit it to host remote gambling equipment in Guernsey and to offer sports betting, virtual sports, bingo, casino games and poker to its online customers based in Gibraltar, the Isle of Man and the Channel Islands, as well as Ireland in respect of bingo, casino games and poker only.

Licenses are generally valid for a maximum of five years. The GSC may revoke a gaming license if the licensee fails, at any time, to meet any of the initial licensure requirements. The license was renewed on March 10, and The Stars Group anticipates that it will be renewed following its expiration. Pursuant to the Maltese Regulations, any person who operates, promotes, sells, supplies or manages interactive gaming in or from Malta must obtain the appropriate license from the Maltese Authority.

The above-referenced licenses or an authorized equivalent from an EEA jurisdiction approved by the Maltese Authority are required to operate, promote, sell or abet Internet gaming in or from Malta. As at the date of this annual information form, The Stars Group is reviewing a plan to migrate its B2C offerings that are currently made available pursuant to its Isle of Man gaming license to its Maltese licensing structure.

Absent any renewals or extension under the terms of the governing licensing agreements, the Class 1 license is set to expire on November 13, , the Class 2 licenses are set to expire on January 20, and August 6, , the Class 3 licenses are set to expire on December 22, and the Class 4 license is set to expire on December 22, In view of the change of law, the 12 gaming licenses held by The Stars Group will automatically change into one B2C license covering the same products offered under the Class 1, Class 2 and Class 3 licenses, and one B2B license.

Licenses will be extended for an additional five years from the end of the latest one held by the group at the date of entry into force of the new regime. With respect to online gaming offered under these gaming licenses to customers in certain jurisdictions such as Germany other than Schleswig-Holstein and Ireland poker and casino , The Stars Group also pays applicable gaming duty or VAT in those jurisdictions on some or all of the online gaming offerings in those jurisdictions.

Set forth below is an overview of certain jurisdictions for which The Stars Group relies on its multi-jurisdictional licenses. The Stars Group offers services to residents in Austria on its Malta licensed platform. In these judgments the court has determined that there are major violations of European Union law within the act. Austria has amended the act several times but the main issues remain in that there is a lack of consistency due to liberal laws on slot machine gambling and betting while maintaining a restrictive system for online gaming.

There is also a lack of transparency in relation to the awarding of a single license for online gaming. The Stars Group is registered for and pays gaming duty in Austria on the revenues derived from residents. In Austria, although the Austrian federal government has put forward a program for regulating betting centrally, this program has not yet been implemented and each Austrian state continues to regulate betting independently.

The law defines gaming as games in which the gain or loss depends on luck. Several judicial opinions, administrative opinions, and other reports and legal opinions have held that poker is a game of skill, and accordingly, it is not prohibited under Article The Stars Group also believes that Brazilian law may take a narrow approach to the extra-territorial effect of Brazilian law with respect to the Internet.

In Canada, gaming regulation exists in a type of shared jurisdiction between the federal government of Canada and the provincial and territorial governments across the country. At the federal level, the Canadian Criminal Code contains provisions that both prohibit and allow certain types of gambling activity. Each province has the exclusive jurisdiction and power to regulate and offer or further restrict, within its borders, gambling activity.

Part VII of the Criminal Code establishes a number of offences related to gaming, betting, and lottery schemes, and also sets out a number of exemptions. The applicability of the various Criminal Code offences depends to a great extent on the nature of the specific gaming or betting activity itself, ancillary and related activities, and the extraterritorial limits of the Criminal Code.

The Criminal Code does not specifically contemplate online gambling. As such, The Stars Group does not currently hold or believe that it is required to hold a gaming license in any Canadian jurisdiction with respect to its online peer-to-peer poker offering. Although Canadian authorities have brought a number of prosecutions in relation to gaming, these are understood to have involved physical gaming operations based within the jurisdiction.

Germany other than Schleswig-Holstein. Attempts have been made in Germany to maintain the state monopoly on lotteries, prohibit the offering of online casino games including poker , and permit the licensing of only 20 sports betting operators. In the Ince case, the CJEU ruled that Germany runs an unlawful de facto state monopoly on sports betting due to the non-transparent, discriminatory licensing procedure under which private betting licenses could not be granted in practice all while the state-owned gaming operators are allowed to continue their respective businesses.

The CJEU cited the incompatibility of the Treaty with the TFEU on the basis it does not observe the principles of equal treatment and non-discrimination on grounds of nationality and the consequent obligation of transparency. The Stars Group currently believes that the decision is unlikely to affect operators who applied for one of the 20 online betting licenses in Germany because in addition to the Ince case noted above, there exist various lower court decisions holding that process to have been deficient.

In relation to online gaming, including poker, The Stars Group currently believes that there are still good arguments as to why the Treaty remains non-compliant with the TFEU. The Netherlands. It has been debated whether the BGA also applies to gambling provided via the Internet and if it is also applicable to actions taken outside of the Netherlands.

However, the Dutch legislature passed a new law on July 7, introducing a new licensing framework for remote and non-remote gambling products as well as remote gambling regulations to implement the licensing regime. The Dutch senate passed the law on February 19, , and The Stars Group currently expects that licensing under the new law will be available in The new law will introduce a point-of-consumption regime to allow operators wishing to provide their remote gambling products to persons in the Netherlands to apply for, and obtain, a license to do so.

In the meantime, the Dutch Gaming Authority will set out its approach to regulating gambling during the period pending the introduction of the new licensing regime, during which The Stars Group expects to be able to keep offering services to Dutch players. Russian Federation. These live events also included a series of qualifying online events. The Stars Group is currently monitoring and assessing the actual and potential impact and disruptions to its business caused by the Financial Blocking Bill and it is engaging in various activities that it believes are and may.

Nevertheless, the Financial Blocking Bill could materially adversely affect its business, results of operations and financial condition. With respect to Switzerland, The Stars Group has received legal advice that, in the absence of any territorial connection to Switzerland, a foreign gaming operator cannot be liable for breach of gaming regulations under Swiss law.

The Stars Group therefore relies on certain arguments on the lack of extra-territorial applicability and enforceability of Swiss law to support its continued offering of its online gaming products to customers located in Switzerland pursuant to its multi-jurisdictional licenses.

In June , the Swiss government passed legislation that would provide for the grant of licenses to offer online gaming services to land-based gaming license holders in Switzerland. This legislation came into effect on January 1, On July 1, , a licensing system will be launched that will allow holders of a local offline casino license to offer poker and casino games online. The Stars Group no longer offers sports betting or casino games and is preparing to launch a locally licensed poker offering as a supplier to a local casino.

Regulatory Strategy. In particular, The Stars Group intends to seek licensure with respect to more European Union member states if and when such member states introduce their own independent regulatory and licensing regimes compliant with European Union law.

The Stars Group supports the regulation of online gaming, including licensing and taxation regimes and pooled poker liquidity, which it believes will promote sustainable online gaming markets that are beneficial for consumers, governments and the citizens of the regulating jurisdiction, operators and the gaming industry as a whole. The Stars Group expects to continue to invest substantial resources into these efforts, particularly in markets that management believes may in the future have the greatest impact on its business.

The Stars Group strives to work with applicable governmental authorities to develop regulations that it expects would protect consumers, encourage responsible gaming, ensure reasonable levels of taxation and promote regulated gameplay. The Stars Group also seeks to ensure that its systems and product offerings comply with all the regulations and guidelines published by the gaming authorities that license The Stars Group.

The Stars Group works with regulatory and governmental bodies to ensure its products, including the software and technological infrastructure underlying the same, undergo comprehensive, exhaustive and rigorous testing by such regulatory and governmental bodies, as well as by independent industry leading testing, accreditation and certification laboratories including GLI and BMM.

The objective of this testing is to certify to, among other things, security, conformity to applicable regulations and game integrity. The Stars Group seeks to meet or exceed best operational and customer protection practice requirements, each with an emphasis on fair and responsible gaming.

The methods and tools The Stars Group uses to permit or restrict access to its online gaming product offerings within a territory are mandated or approved by the applicable gaming regulatory authority in each jurisdiction where a subsidiary of The Stars Group holds a gaming license. The Stars Group has a zero-tolerance approach to money laundering, terrorist financing, fraud, collusion and other forms of cheating and works with regulators and law enforcement globally on such matters.

The Stars Group believes that it has a robust and extensive set of policies and procedures designed to identify such issues. Customer activities that can trigger customer interactions initiated by The Stars Group include abnormal deposit and cashout patterns, customer-to-customer transfers and game play and prolonged, repetitive and unprofitable gaming. These are all monitored in accordance with local regulations and the guidelines of the relevant gaming authorities.

Certain Other Regulatory Considerations. Privacy and information protection laws, require, among other things, that entities collecting and processing such personal information do so in accordance with applicable legal and regulatory conditions. Failure to comply with applicable privacy and personal information laws can result in regulatory sanctions, fines and, in certain cases, criminal liability.

The GDPR imposes more stringent operational requirements for entities processing personal information and significant penalties for non-compliance. With respect to the GDPR, The Stars Group, among other things, maintains records of its data processing activities and carries out its own due diligence on entities that act as data processors on its behalf, and has introduced an automated process to delete personal information that is no longer in use. The Stars Group is also subject to numerous other domestic and foreign laws and regulations.

These can take the form of complex and evolving domestic and foreign laws and regulations regarding the Internet, privacy, data protection, competition, consumer protection and other matters. Responsible and Safer Gaming. The Stars Group views the safety and welfare of its customers as critical to its business and has made appropriate investments into people and processes to identify and protect vulnerable customers. Accordingly, The Stars Group is committed to industry-leading responsible gaming practices and seeks to provide its customers with the resources and services they need to play responsibly, including through its dedicated responsible gaming staff.

The Stars Group has also partnered with various responsible gaming organizations that conduct research and offer education and direct counselling for players. The Stars Group also promotes its responsible gaming tools, resources and initiatives on its websites and platforms and through other channels.

Service and the European Sports Security Association. Furthermore, SBG was the first online-only gaming company to join the Senet Group, an independent body set up to promote responsible gaming standards and ensure that the marketing of gaming is socially responsible.

Human Resources and Specialized Skills and Knowledge. As of December 31, , The Stars Group, directly and through its subsidiaries, had approximately 4, employees of which approximately 3, were located in Europe, in Canada, in Australia, 67 in the United States, in Latin America and 56 in Asia. The Stars Group has never experienced any employment-related work stoppages and believes its relationship with its employees is good.

The Stars Group values the benefits diversity can bring to its business, including diversity of personal characteristics such as age, gender, character, geographic residence, business experience including financial skills and literacy , functional expertise, demonstrated leadership, stakeholder expectations and culture.

It believes that diversity promotes the inclusion of different perspectives and ideas, and ensures that The Stars Group has the opportunity to benefit from all available talent. The Stars Group has two women in key senior executive positions. As of the date of this annual information form, The Stars Group has not adopted a target for female executive officers.

The Stars Group has identified a need to increase the number of women employees in the organization and to include diversity, including gender diversity, in its talent management programs. The Stars Group believes it has personnel with the required specialized skills and knowledge to carry out its operations. While the current labor market in the industries and locations in which The Stars Group operates is highly competitive, The Stars Group expects to, but there can be no assurance that it will, attract and maintain appropriately qualified employees for fiscal year If The Stars Group fails to attract and maintain appropriately qualified employees, its business, financial condition and operating results could be materially adversely affected.

The Stars Group maintains approximately 25 offices internationally. These premises are leased and consist of approximately 5, square feet of space, with a lease term that expires on August 31, Stars Interactive Group is headquartered in Douglas, Isle of Man, and its senior management is based there as well as staff in its general and administrative, marketing and technology departments.

Technology services are also provided by staff based out of offices in Dublin and suburban Toronto. SBG is headquartered in Leeds, England, and its senior management is based there as well as staff in its general and administrative, marketing and technology departments. Technology services are also provided by staff based out of offices in Sheffield, Birmingham and London. The Stars Group, through its subsidiaries, has data centers and transit points of presence throughout Europe and in certain other locations around the world, including through cloud based services.

The Stars Group believes that its facilities are suitable and adequate for its current needs. General Development of the Business. Following the Stars Interactive Group Acquisition and as described below, The Stars Group explored additional strategic opportunities resulting in the divestment of its then-remaining B2B assets and its transformation into a pure-play consumer technology company. In , The Stars Group completed the Acquisitions, which further transformed and diversified its operations into its current online gaming business.

Until July 31, , when The Stars Group completed the disposition of its then-remaining B2B assets, its B2B business consisted of the operations of certain of its subsidiaries, which offered interactive and land-based gaming solutions. The Stars Group developed its former portfolio of solutions through both internal development and strategic acquisitions, including Ongame Network Ltd. Australian Acquisitions.

SBG Acquisition. SBG operates mobile-led betting, poker and gaming platforms primarily in the United Kingdom. Management believes that SBG is a key component of its strategic plan to grow market share both globally and in key markets. Sky rebranded Surrey Sports as Sky Bet in to leverage the growing strength of the Sky brand and to pioneer interactive TV betting.

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If you experience any difficulties, please contact our Customer Care Team. These funds will be subject to a clearance period determined by the card issuing bank normally working days or online payment service normally same day. However, customers who have a balance lower than this minimum can contact our Customer Care Team in order to withdraw the full balance amount.

Please note that Your bank or card provider may also have restrictions. We will publish any changes on our websites in accordance with Section 3. Please consult Your card-issuer for a list of relevant non-restricted countries. We do not allow any transfer of funds between our customers' Accounts. You must not attempt to gain unauthorised access to: our websites; the servers on which our websites are stored; or, any server computer or database connected to our websites or mobile and tablet applications.

We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing Your identity to them. Any bets or wagers placed through Your Account that are not for Your own benefit including for the avoidance of doubt placed in connection with any bet management or brokerage service are forbidden unless agreed by us in writing in advance. We do not give any commitment or warranty in relation to the uninterrupted provision of such information, its accuracy or the results obtained through its use.

No information which we or third parties provide on our websites and Services is intended to amount to advice or recommendations and is provided for information purposes only. All bets are made at Your own risk. The Services are provided on an 'as is' and 'as available' basis. We do not make any other promises about how the Services will be provided. The provider of such software may require You to agree to additional terms and conditions governing the use of their products including: i individual game supplier rules in respect of the games on our Sky Vegas Services; ii Playtech Software Limited in respect of our Sky Bingo Services see Appendix A ; and iii Playtech Software Limited in respect of our Sky Casino Services see Appendix B.

If You do not accept those third party terms and conditions, do not use the relevant third party software. You shall not interfere with, modify or reverse engineer any software provided to You by us or any third party. We do not accept any liability in respect of any third party software. We do not accept any liability in respect of such content. We do not offer any credit. We reserve the right to void any bet or wager which we may have accepted by mistake when Your Account did not have sufficient cleared funds.

Bets and wagers are not accepted in other way, including by email, post or fax, and will not be valid if received in such a way. Once a bet or wager has been confirmed by us, You may not cancel or change it without our consent.

If You've placed a bet or wager and wish to cancel or change it, please contact our Customer Care Team before the event has started and we will consider Your request, although any decision will be at our reasonable discretion. The process for placing wagers may vary depending on the applicable Game Rules but in any event a wager will only be valid where You receive confirmation from us of the details of the wager and that the wager has been accepted.

Failure to comply with this rule may lead to Your exclusion from our Services, forfeiture of any winnings from such prohibited behaviour and to possible criminal and civil investigations. In particular, You will not use or attempt to use any artificial intelligence, automated players bots or player assistance software but will play personally via the interfaces provided by us only.

To detect collusion, we use sophisticated software to analyse hands, game play history and suspicious activities. Our system monitors card history, betting patterns, player history and gameplay, including all bets, for all customers, up to and including the last round of betting where applicable. We also look at various other sources of information as part of our anti-collusion checks.

EPA Programs include computer software, websites, subscription services and non-software-based databases, systems or profiles which are used by customers in connection with our Services. These steps may include, but are not limited to, examination of software programs running concurrently with our software on Your computer. You agree that You will not attempt to bypass, interfere with, or block such steps, including, without limitation, the use of third party software that bypasses, interferes with, or blocks such steps.

Where such flaws, faults or errors cause a product to be interrupted in circumstances where it cannot be restarted from exactly the same position without any detriment to You or we will take all reasonable steps as soon as practicable to remedy the problem and ensure that You are treated fairly according to the circumstances. We will only do so where we have reason to believe that: You should make a request to close Your Account by telephone or in writing via e-mail, live chat or letter; see Section 25 Contact Us for details.

We will respond within a reasonable time. You remain responsible for activities using Your Account until it is closed. Upon our confirmation of the closure of Your Account, we will notify You and provided that You have complied with these Terms and Conditions, send You the sum on deposit in Your Account by a method of payment determined by us. We may at any time off set any positive balance on Your Account against any amount owed by You to us including under a duplicate Account where, by way of an example, we re-settle any bets, wagers or payment errors.

Any negative balance on Your Account will fall immediately due and payable to us and Your Account will be closed only when this amount has been fully repaid. If You have any unsettled bets on Your account at the time of Your account closure, these bets will stand unless we advise You otherwise and You can contact us to collect any winnings arising from such bets.

However, we will also contact all Account holders periodically to advise of any Account balance. We will provide reasonable notice via email or letter before any deductions are made. If after the twenty four month period You contact us seeking a refund of Your Account balance balance as at the point of Account closure , we shall process such refund, subject to Your compliance with these General Terms and Conditions and subject to our legal and regulatory obligations.

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We will not be liable for any damage or loss suffered or incurred by You as a result of: As a condition of Your use of the chat facility, You agree to comply with following terms and any additional rules that may found on our websites or mobile and tablet applications: We will keep Your complaint anonymous and deal with every case seriously. If we feel any content You post on chat is unsuitable, we may mute or suspend Your ability to use the chat facility, certain other Services or close Your Account at our reasonable discretion, if we feel any content You post on chat is unsuitable or unlawful we may; remove the content, mute or suspend Your ability to use the chat facility and other Services we provide, and close Your Account where Your activity may be reported to Your Internet Service Provider ISP or the relevant authorities.

Intellectual Property These promotions and offers will have their own additional terms and conditions. Calls to numbers are charged at a standard UK rate and are typically included in inclusive call packages; please check with Your provider for details. You agree that we may do so provided that this will not adversely affect the standard of service You receive under these Terms and Conditions. In the case of transfer only, after we notify You of the date on which we will transfer our rights and obligations under these Terms and Conditions to another legal entity, Your only rights under or in connection with these Terms and Conditions will be against the new legal entity and not against us.

As set out in Section You may not transfer Your rights or obligations under these Terms and Conditions to anyone else. This does not affect our right to transfer these Terms and Conditions under Section Governing Law and Jurisdiction If you do not want us to apply the restriction to your account with The Stars Group, you will need to contact The Stars Group at wecare starsaccount.

In any event, we recommend that you separately seek a self-exclusion to your account s held with The Stars Group and any other online account which you hold. In these circumstances, we recommend that you separately seek a self-exclusion to your account s held with the Flutter Brands and any other online account which you hold. We implement reasonable checks and safeguards to ensure that whilst You are self-excluded You are not sent marketing material about gambling from us and You cannot access our Services.

Consequently we cannot be held liable to You or any third party if You are able to continue to gamble on our websites or mobile and tablet applications, or if any marketing material inadvertently gets sent to You or if You continue to gamble on any other party's sites or premises. You accept that we have no responsibility or liability whatsoever including in respect of any losses You may incur if You continue to gamble with us or any third party, in particular where You have sought to circumvent a self-exclusion via additional accounts; or where You have changed any of the registration details which would also include if You open up an Account with substantially the same information, albeit inputted into the registration form in a different way.

GAMSTOP is a self-exclusion tool that is intended to aid you in preventing You from accessing gambling websites and apps run by companies licensed by the Gambling Commission in Great Britain, who have signed up to the service. Consequently, we cannot be held liable to You or any third party if You are able to continue to gamble on our websites or mobile and tablet applications, or if You continue to gamble on any other party's sites or premises.

If You have any concerns about your gambling You can also find information and support at www. If you are unhappy with the decision of our Customer Experience team you can choose to escalate your complaint to our dedicated Complaints team. We will deal with Your complaint as quickly as we reasonably can and shall, as necessary, request appropriate evidence from You for the purposes of settling Your complaint. Our Complaints team will investigate any complaint or concern and issue a final response within 8 weeks.

The appropriate adjudicator is determined by reference to the products that are the subject of the dispute or by the regulator of the product in question. For customers located in Great Britain we are regulated by the Gambling Commission, for customers located outside of Great Britain we are regulated by Alderney Gambling Control Commission.

We will inform you which body to refer to, upon request. Where a dispute is referred to our Alternative Dispute Resolution provider below, the resulting decision shall be final. This does not affect Your rights to seek redress through the court system. You have the free right of access to this ADR function. IBAS may be contacted by email at: adjudication ibas-uk. Customers located outside of Great Britain will also be able to refer complaints to the Alderney Gambling Control Commission if they do not feel the matter has been satisfactorily resolved by IBAS.

For more information on the Alderney Gambling Control Commission please visit www. Their decision shall be final in relation to such dispute. However, use of ADR does not affect your rights to seek redress through the court system For more information on IBAS, please visit www.

Our bank has acknowledged in writing that our customer funds are held in a separate account for this purpose and will not be subject to any bank set off or counterclaims in respect of any company bank liabilities. This means that steps have been taken to protect customer funds but that there is no absolute guarantee that all funds will be repaid.

These accounts are proactively monitored and reconciled by our Finance department and are audited by independent internal and external audit teams. Any monies deposited with us in Your Account will not attract any interest. Definitions The following words and terms, when used in this agreement, shall have the following meanings, unless the context clearly indicates otherwise: 1.

Subject Matter of Agreement 2. All such rules are incorporated and included under the term and conditions set out herein. Licence to use the Software: Restrictions 3. We hereby grant to you a limited, personal, non-transferable, non-exclusive, worldwide except as noted below license to download, access and otherwise utilize the Software on Your computer, in order to play games in the Online Casino, in accordance with the following provisions.

This license applies only to the Object Code of the Software i. We reserve any and all rights not expressly granted in Section 3. You are prohibited from any interaction within the Online Casino that is not the direct result of you personally utilizing the Software for the purpose for which it was intended. You acknowledge and agree that we may take steps to detect and prevent the use prohibited Assistance Programs.

These steps may include, but are not limited to, examination of software programs running concurrently with the Software on the Your computer. You agree that you will not attempt to bypass, interfere with, or block such steps, including, without limitation, the use of third party software that bypasses, interferes with, or blocks such steps. Any attempt to restrict US in this matter will entitle US to immediately suspend the Service to you and you shall immediately forfeit any winnings.

You acknowledge and agree that the all IP Rights, title and interest in and to the Software, including in and to any modification, enhancement, adaptation, translation or other change of or addition to the Software, belong exclusively to the Vendor, even if developed based on ideas, suggestions or proposals by You or any other third party. You irrevocably assign to the Vendor all right, title, and interest You may have or may acquire in and to all such rights, including, without limitation, patent, copyright, trademark, trade secret or know how, and You agree to sign and deliver to the Vendor such documents as Vendor considers desirable to evidence or effect the assignment of all of the aforesaid rights to the Vendor.

You agree not to, directly or indirectly, attempt to invalidate for any reason whatsoever, or assert, or assist the assertion by others, that the rights, title or interest in the Software belong to any third party other than the Vendor, or that they infringe the IP Rights of others.

Your Duty to Examine Legality of Use 4. You confirm that You are older than 18 years, and in any event of legal age as determined by the laws of the country where you live. You also confirm that You are aware of the legal issues relating to the operation of online gambling sites, and that You understand that We and the Vendor are not warranting in any way or manner that the use of the Software for the purposes of gambling, as such term is commonly understood in the industry, is legal in any jurisdiction.

Given the changes in the legal requirements in the various jurisdictions, You undertake to examine the legality of Your participation on the Online Casino and use of the Software in each jurisdiction that is applicable to You and to do the same only in compliance with all applicable laws and orders of any competent authority. Disclaimer of Warranties 5. You hereby acknowledge that it is not in our control how the Software is used by you.

You load and use the Software at your own risk and in no event shall we be liable to you for any direct, consequential, incidental or special damage or loss of any kind except personal injury or death resulting from our negligence. Confidentiality 6. The Software includes non-public and confidential information, which is secret and valuable to Us or the Vendor. You agree, as long as You use the Software and thereafter, to a keep all such confidential information strictly confidential; b not to disclose such confidential information to a third party, and not to use such confidential information for any purpose other than participating in the Online Casino.

You further agree to take all reasonable steps at all times to protect and keep confidential such confidential information. Your Warranties and Representations 7. You are not a resident of any of the Excluded Territories listed in Section 3. You have examined the legality of Your participation on the Online Casino and use of the Software in each jurisdiction that is applicable to You, and have found the same to be legal is such jurisdictions under all applicable laws and orders of any competent authority.

Changes to this Agreement 8. We may make changes to this Agreement at any time, at our sole discretion. Such changes will take effect from the date specified by us on the Website, whether or not we have notified you specifically of such changes. It is important, therefore, that You log in to the Website from time to time to check to see whether there is a notification of change.

You agree to be solely responsible for becoming informed of such changes. If You continue to use the Website or the Online Casino after the effective date of certain changes regardless of the way we have notified such changes , You agree to be bound by those changes whether or not You have had actual notice of, or have read, the relevant changes.

If You do not agree to be bound by relevant changes, You should not continue to use the Website or the Online Casino any further. Home Contact Us Cycling Jobs. Book Now. When is it? Who is invited? How much is it? How much do I need to fundraise? What is the route? Itinerary: Friday 29th June From 7. How will I navigate? Follow Us. First Name. Last Name.

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