sparkles sparkles sparkles sparkles
Zowin card game

Terms and Conditions

Version: v1.0
Updated Date: 10/12/2025

Introduction

These Terms and Conditions establish the rules governing access to and use of the services provided by MOBILE INCORPORATED Limited (the “Company”, “we”, “us”, or “our”).

By registering an account or continuing to use the website and related services, you confirm that you have read, understood, and accepted these Terms. If you do not agree with any part of these Terms, you must immediately discontinue use of the website and services.

1. Eligibility and Player Qualification

1.1 Minimum Age Requirement

Access to the platform is strictly limited to individuals who are 18 years of age or older or who have reached the legal age required to participate in gambling activities under applicable laws.

The Company may request proof of age and identity at any stage. Providing inaccurate or misleading information regarding age or identity constitutes a breach of these Terms and may result in:

  • account suspension or closure
  • forfeiture of bonuses and winnings
  • reporting to relevant regulatory authorities where required.

1.2 Legal Jurisdiction

Players are responsible for ensuring that their participation in the Company’s services is lawful in their jurisdiction.

The Company does not provide services in jurisdictions where online gaming is prohibited, restricted, or where the Company is not authorised to operate under Maltese law or applicable sanctions regimes.

If access from a restricted jurisdiction is identified, the Company may:

  • deny access to services
  • suspend or close the account
  • restrict financial transactions.

1.3 Single Account Rule

Each player may open and maintain only one (1) account.

Players must register using accurate and complete personal information belonging exclusively to the account holder. The creation or use of multiple accounts, fake identities, or third-party accounts may lead to:

  • account suspension or permanent closure
  • cancellation of bonuses and promotional benefits
  • confiscation of associated winnings.

1.4 Compliance With Applicable Rules

By using the platform, players agree to comply with:

  • applicable laws and regulations
  • the Company’s internal policies and procedures
  • applicable game rules and betting limits.

Failure to comply may result in warnings, account restrictions, temporary suspension, or permanent termination.

2. Player Obligations

2.1 Account Security

Players are responsible for maintaining the confidentiality of their account credentials, including usernames and passwords.

Any activity conducted through the account will be presumed to have been performed by the registered account holder. Players must notify the Company immediately if they suspect:

  • unauthorised access
  • security breaches
  • misuse of their account.

The Company is not responsible for losses resulting from the player’s failure to safeguard their login credentials.

2.2 Accuracy of Personal Data

Players confirm that all personal information provided during registration and while using the services is accurate, current, and complete.

Players must promptly update their information in the event of any changes, including but not limited to:

  • contact details
  • payment information
  • residential address.

Providing inaccurate or misleading information may result in delays in withdrawals, verification requests, or account suspension.

2.3 Compliance With Game Rules

Participation in gaming and betting activities is subject to the rules governing each individual game or product.

Players are responsible for reviewing and understanding the applicable rules before placing any bets or participating in games.

All gaming decisions are made at the player’s own risk. The Company is not responsible for financial losses arising from betting activities.

2.4 Prohibited Activities

The following activities are strictly prohibited:

  • fraud or attempted fraud
  • collusion with other players
  • use of automated betting software or bots
  • manipulation of game outcomes
  • exploitation of software vulnerabilities
  • money laundering or suspicious financial activity
  • match-fixing or abuse of promotional offers.

Players are also prohibited from transferring, selling, or renting accounts to third parties.

Where such activities are identified, the Company may immediately suspend or terminate the account and confiscate bonuses or winnings obtained through misconduct.

2.5 Community Behaviour

Where the website offers interactive features such as live chat, forums, or comments, players must maintain respectful and lawful communication.

The following types of content are strictly prohibited:

  • abusive or threatening language
  • discriminatory or hateful speech
  • harassment or intimidation
  • unlawful or inappropriate content.

Violations may result in suspension or restriction of access to community features or the entire account.

2.6 Player-Initiated Account Closure

Players may request account closure at any time via account settings (where available) or by contacting Customer Support.

Before submitting a closure request, players should ensure that any remaining balance is withdrawn.

Account closure will be processed without undue delay unless:

  • verification checks remain outstanding
  • regulatory or AML investigations are ongoing
  • unresolved disputes exist.

After closure:

  • access to the account will be disabled
  • unused bonuses will be forfeited unless otherwise required by law
  • gaming activities will no longer be possible.

Player records will be retained for the period required by applicable legal, regulatory, and anti-money laundering obligations.

Players seeking gambling-related restrictions should use the self-exclusion tools provided under the Responsible Gaming Policy, as standard account closure does not constitute self-exclusion.

3. Rights and Responsibilities of the Company

3.1 Identity Verification and KYC

The Company reserves the right to request verification documents at any time.

This may include:

  • proof of identity
  • proof of address
  • payment method ownership verification
  • documentation confirming source of funds.

These measures are implemented to comply with Maltese anti-money laundering laws and regulatory obligations established by the Malta Gaming Authority (MGA) and the Financial Intelligence Analysis Unit (FIAU).

Certain account functions, including withdrawals, may be restricted until verification is completed.

3.2 Maintenance and Technical Interruptions

The Company aims to provide continuous service availability but cannot guarantee uninterrupted operation.

Access to the platform may be temporarily suspended for:

  • system maintenance
  • software updates
  • infrastructure upgrades
  • technical troubleshooting.

While the Company will make reasonable efforts to minimise disruption, it is not liable for indirect losses caused by temporary service interruptions.

3.3 Transaction Monitoring

The Company may establish financial transaction limits, including minimum and maximum thresholds for:

  • deposits
  • withdrawals
  • wagers.

Unusual or suspicious financial activity may result in temporary delays while additional checks are performed.

In accordance with AML obligations, suspicious transactions may be reported to relevant authorities.

3.4 Refusal or Termination of Service

The Company reserves the right to refuse service or terminate accounts where:

  • eligibility requirements are not met
  • false or misleading information is provided
  • the Terms and Conditions are violated
  • unlawful or harmful behaviour is detected.

Where legally permitted, the Company will attempt to notify the player prior to account termination.

Any remaining balance will be handled in accordance with the applicable Withdrawal Policy and regulatory obligations.

3.5 Intellectual Property

All rights, title and interest in the intellectual property on the website, including without limitation, the text, software, scripts, graphics, drawings, photos, sounds, music, games, videos, interactive features, documentation, data (including statistical compilations and database content) and the like, Trademarks (including service marks, trade names and logos), contained therein (the “Content”) are owned by, or duly licensed to, Mobile Incorporated Limited. The Content is protected by International Trademark, Copyright, Design, Patent and other relevant laws. Use of the website does not transfer any right, title, or interest in or to such intellectual property rights, relating to the Content, except otherwise expressly granted by Mobile Incorporated Limited or its licensor(s).

Restrictions/Prohibitions

  • Any tampering with, “screen scraping” of the website data or source code, copying, distribution, reproduction, publication, display, performance, posting, transmission, or commercial exploitation of any part of the Content in any form or by any means is prohibited, except as expressly permitted herein or as enabled by a feature, product or for the use of the website.
  • Any modification, translation, adaptation, disassembling, reverse compilation, or reverse engineering of, or creation of derivative works from, any part of the Content is prohibited.
  • Any sale, licensing, sub-licensing, transfer, assigning, renting, leasing, hosting, or otherwise exploitation of website Content in any way, whether in whole or in part are prohibited.
  • No copyright, trademark, or other proprietary rights notices will be deleted or altered from the copies of the Content published on the website.
  • Any access or use of the Content in order to build a similar or competitive website, product, or service is prohibited.
  • It is strictly forbidden to use any information retrieval systems—such as crawlers, bots, data mining technologies, or automated extraction tools—to access, create, extract, or compile a database, directory, or collection of the Content or other data from the website and its associated databases, whether directly or indirectly.
  • Any reporting, blogging, marketing, about the Trademarks or the website, done for profit, financial gain or commercial advantage is prohibited, unless an exception or limitation applies under applicable law.
  • Use of any part of the Content contained within the website and related software is made available for personal, non-commercial use. Any other use of the material and content is prohibited.

3.6 Company-Initiated Account Closure

The Company may suspend or close an account for operational, regulatory, compliance, or responsible gaming reasons.

This may include situations involving:

  • incomplete verification
  • suspected fraud or money laundering
  • breach of these Terms
  • access from restricted jurisdictions
  • responsible gambling concerns.

Where permitted by law, the player will be notified of the closure.

Player data and account records will be retained in accordance with applicable regulatory requirements.

Requests to reopen a closed account may be refused at the Company’s discretion.

Accounts closed due to responsible gaming measures, including self-exclusion, may only be reinstated in accordance with applicable regulatory rules and mandatory cooling-off periods.

4. Deposits and Withdrawals

4.1 Source of Funds

Players must ensure that all funds deposited into their account originate from legitimate sources and belong to the account holder.

The use of payment instruments belonging to third parties without authorisation, or funds derived from illegal activities, is strictly prohibited.

The Company may request supporting documentation confirming the origin of funds or ownership of payment methods at any time as part of its regulatory obligations.

4.2 Deposits

Players may fund their account using the payment methods available on the website’s Deposit page.

Supported payment methods may include:

  • bank transfers
  • electronic wallets
  • international debit or credit cards
  • cryptocurrencies
  • other approved payment solutions.

Deposits will be credited to the player account once the payment transaction has been successfully confirmed.

The Company does not charge deposit fees. However, payment service providers may apply their own charges, which are outside the Company’s control.

4.3 Withdrawals

Players may request withdrawals of available real-money balances through the Withdrawal section of their account.

Withdrawal requests may be subject to identity verification and compliance checks in accordance with the Company’s legal and regulatory obligations.

Where a player has accepted a bonus or promotional offer, withdrawals may be subject to the wagering requirements and other conditions associated with that promotion, which will be clearly communicated at the time the offer is made.

The Company shall not impose wagering requirements on deposited funds unless such requirements are linked to a voluntary promotional offer accepted by the player.

Minimum and maximum withdrawal amounts will be displayed on the Withdrawal page. The Company reserves the right to process withdrawals using the same payment method used for deposits where possible, in accordance with anti-money laundering obligations.

Withdrawal requests will be processed without undue delay following completion of any required verification procedures.

4.4 Bonuses and Promotional Offers

From time to time, the Company may offer bonuses, promotional incentives, or loyalty programmes to eligible players.

All promotional offers will include clear and transparent terms, which may include:

  • wagering requirements
  • eligible games
  • time limitations
  • maximum bet limits
  • maximum withdrawal limits from bonus winnings
  • eligibility criteria.

Players must review and accept the applicable promotional terms before participating.

Bonus funds and winnings derived from bonus play may only become withdrawable once all wagering requirements and applicable conditions have been satisfied.

The Company reserves the right to:

  • modify or withdraw promotional offers where necessary for regulatory or operational reasons
  • exclude players or jurisdictions where required by law or licensing obligations
  • cancel bonuses and associated winnings where abuse, fraud, or unfair advantage is detected.

Bonus abuse includes, but is not limited to:

  • creation of multiple accounts
  • collusion between players
  • irregular betting patterns designed to circumvent wagering requirements
  • exploitation of system or promotional errors.

All promotions are offered in accordance with the consumer protection principles and transparency requirements established by the Malta Gaming Authority.

4.5 Withdrawal Processing Time

Withdrawal requests are reviewed and processed as promptly as possible.

Under normal circumstances, withdrawal requests are processed within 24 hours, excluding the processing time required by financial institutions.

Where additional verification checks are necessary, processing times may be extended. In such cases, players will be notified through their registered contact details.

4.6 Suspension of Suspicious Transactions

The Company may temporarily suspend withdrawal requests or freeze funds where suspicious activity is identified.

Examples include:

  • suspected bonus abuse
  • multiple account usage
  • irregular transaction behaviour
  • suspected fraud or money laundering.

If the investigation confirms that no violation occurred, the funds will be released. Where a breach is confirmed, the Company may confiscate bonuses and winnings or apply additional sanctions in accordance with these Terms.

4.7 Inactive and Dormant Accounts

An account will be considered inactive if the player has not logged in or conducted any financial or gameplay activity for a continuous period of twelve (12) months.

Where an account remains inactive, the Company may classify the account as dormant.

Before applying dormant status, the Company will make reasonable efforts to contact the player using the registered contact details.

Player funds will remain the property of the player and may be withdrawn at any time, subject to completion of identity verification procedures.

The Company will not confiscate dormant balances, but may apply reasonable administrative procedures where permitted by applicable laws and regulatory requirements.

5. Disclaimer and Limitation of Liability

5.1 Player Responsibility

Participation in online gaming and betting activities involves risk.

Players acknowledge that gaming outcomes are random and that financial losses may occur. The Company does not guarantee winnings and shall not be responsible for losses incurred through gambling activity.

5.2 Service Availability Disclaimer

The services are provided on an “as is” and “as available” basis.

While the Company strives to maintain reliable service, it does not guarantee uninterrupted availability or that the service will always be free from technical errors.

5.3 System Errors and Game Malfunctions

In the event of a technical malfunction, system error, or software failure that affects the outcome of a wager, game result, or player balance, the Company reserves the right to:

  • declare the affected bets or game rounds void
  • correct any incorrect balances or winnings
  • suspend gameplay until the issue is resolved.

Where a malfunction occurs, all affected wagers will be considered void.

The Company will take reasonable steps to identify and correct errors as quickly as possible.

All gaming outcomes are generated by independently tested and certified gaming systems, approved in accordance with applicable regulatory requirements.

5.4 Limitation of Liability

To the extent permitted by applicable law, the Company shall not be liable for indirect, incidental, or consequential damages arising from the use of its services, including but not limited to loss of profits, loss of opportunity, or loss of data.

Nothing in these Terms shall limit or exclude liability where such limitation is not permitted under applicable law, including obligations relating to consumer protection or regulatory compliance.

Where liability cannot be excluded, the Company’s liability shall be limited to the amount paid by the player to the Company within the preceding six (6) months or the amount required by applicable law, whichever is higher.

5.5 Force Majeure

The Company shall not be liable for delays or service interruptions caused by circumstances beyond its reasonable control, including:

  • natural disasters
  • telecommunications failures
  • cyberattacks
  • government actions or regulatory restrictions
  • failure of third-party service providers.

5.6 Third-Party Links

The website may include links to third-party services such as game providers, payment providers, or partner websites.

The Company does not control or assume responsibility for the content or policies of external websites.

5.7 Indemnification

Players agree to indemnify and hold harmless the Company and its affiliates from claims, damages, or costs arising from the player’s breach of these Terms or violation of applicable laws.

6. Legal and Regulatory Information

6.1 Operator Information

Registration number: C 84149, address- Elite Business Centre, Trejqa Ta’box Box, MSIDA, MSD1840, Malta. All details regarding CGA entities should be removed, no connection should be with CGA.

6.2 Restricted Jurisdictions

The services are not available in jurisdictions where online gaming is prohibited or where the Company is not authorised to operate.

Players are responsible for ensuring that participation in the platform is lawful in their location.

6.3 AML and KYC Compliance

The Company implements anti-money laundering and customer due diligence measures in accordance with:

  • Maltese legislation
  • Malta Gaming Authority regulations
  • Malta Financial Intelligence Analysis Unit requirements
  • Financial Action Task Force (FATF) standards.

6.4 Responsible Gaming

The Company promotes responsible gambling and provides player protection tools including:

  • deposit and loss limits
  • session reminders and reality checks
  • self-exclusion and cooling-off options
  • access to responsible gaming information and support organisations.

6.5 Complaints Handling

Players may submit complaints through the Company’s Customer Support channels or through the dedicated complaints contact available on the website.

The Company will acknowledge receipt of the complaint within a reasonable timeframe and will aim to provide a final response within ten (10) working days.

Where the complaint requires additional investigation, the response period may be extended but will not exceed eight (8) weeks from the date of receipt.

If the player is not satisfied with the outcome, the complaint may be referred to an approved Alternative Dispute Resolution (ADR) entity.

Players may also contact the Malta Gaming Authority for further guidance where applicable.

6.6 Governing Law

These Terms and the services provided under them are governed by the laws of Malta.

Where disputes cannot be resolved through internal procedures or ADR, the courts of Malta shall have jurisdiction.

6.7 Player Protection

The Company operates in accordance with the player protection requirements of the Malta Gaming Authority.

Players are encouraged to review the following policies available on the website:

  • Responsible Gaming Policy
  • AML & KYC Policy
  • Complaints Handling Policy
  • Privacy Policy.

These policies form an integral part of the Terms and Conditions.