General Terms and Conditions
Last Updated: 08.07.2019
1. General 1.1
This website, Finlandia Casino, (the "Website") is operated by Dumarca Gaming Limited ("we", "us" or "Dumarca"), a company registered under the laws of Malta (registration number: C50898) whose registered office is at The Emporium, Level 4, St Louis Street, Msida, MSD1421, Malta.
Dumarca is authorised and regulated by:
a. Spelinspektionen, license no. 18Li7410, issued by the Swedish Gaming Authority and valid until December 31st, 2023,
b. the Gambling Commission of Great Britain, remote operating licence number 039408, in respect of services offered to residents of the United Kingdom; and
c. the Malta Gaming Authority under licence number MGA/B2C/169/2009, in respect of services offered to all other customers, through which the game types are listed within the MGA dynamic seal.
These terms and conditions (the "Terms and Conditions") govern access to, and use of, the Website, and constitute a legally binding contract between Dumarca and you as the registering player ("you" or "User"). By accessing and using the Website, you agree to be bound by these Terms and Conditions. These Terms and Conditions apply to all gaming with us via any device, including downloadable applications on a mobile device.
These Terms and Conditions are subcategorised for ease of reference and transparency. It is important that you review these Terms and Conditions carefully. If you do not agree to be bound by these Terms and Conditions, please do not use the Website.
These Terms and Conditions include and incorporate a number of additional terms, as follows:
• Any rules for a game you choose to participate in ("Rules");
• Our promotional terms, which apply to specific promotions or offers from time to time ("Promotional Terms"); and
We may update these Terms and Conditions from time to time. Dumarca will notify you of any significant updates to these Terms and Conditions before they come into effect, whereby you will be required to accept the revised Terms and Conditions to continue playing on the Website the next time you log in to your account. If you do not agree to be bound by the updated Terms and Conditions, you should close your account and withdraw any available balance. We may make minor changes to these Terms and Conditions from time to time, and advise you to review these Terms and Conditions regularly, together with the specific Rules for each game you choose to play, in order to remain up to date with any changes. You can easily identify whether these Terms and Conditions have changed by referring to the version number and date of the current Terms and Conditions stated at the top of this page.
2. Account opening and verification checks
To open an account on the Website, the User must register personally. You must be of legal age (18 years of age or older if required in the jurisdiction where you live) to open and make use of an account with us. You must also be of mental capacity to take responsibility for your own actions and to enter into an enforceable contract with us. If we have reasonable grounds to believe that any account is being operated by anyone under the age of 18, the account will immediately be closed and all funds deposited will be returned (less any winnings already paid out).
It is your responsibility to determine the legal status of internet gambling in your jurisdiction and act accordingly. The availability of the Website in any particular jurisdiction does not constitute an offer or invitation by Dumarca to use the services offered by the Website. You must not mask, disguise, anonymise or hide your IP (i.e. by using a VPN) while accessing the Website. Dumarca accepts no liability whatsoever with respect to actions by players where internet gambling is illegal and/or which is in violation of this clause of the Terms and Conditions. Users who are resident in Malaysia, China, Hong Kong or the U.S are not allowed to open an account. We do not permit accounts to be opened by, or used from, Users based in certain jurisdictions (including the U.S). The list of jurisdictions is determined by the legality of online gambling within the relevant countries, and may be changed by us from time to time. In addition, some of our games may only be accessed and played in certain jurisdictions.
You must submit your correct personal information during registration, including your full name, home address, date of birth, e-mail address, telephone number, and relevant payment information. It is your sole responsibility to ensure that the information you provide is true, complete and correct, and is kept up-to-date.
You agree to provide us with any information we request to assist with our verification checks, and we reserve the right to request documents to verify the following: (i) your identity, such as a valid photographic ID (e.g. a copy of your National Identity Card, Passport or Driving Licence); (ii) your residential address (e.g. copies of bank statements and/or utility bills dated within the last three months); and (iii) proof of ownership/authorisation to use a certain payment method (e.g. a screenshot of the account (i.e. Neteller) that corresponds to the payment method). We may request that you provide any of these documents certified to attest their credibility. We may also use additional verification tools available to us in order to verify the authenticity of any documents you provide. Furthermore, if we have reasonable grounds to believe that any documents provided by you are not genuine or are inaccurate, we reserve the right to refuse such documents. Dumarca reserves the right to restrict any account until the relevant verification checks have been carried out to our reasonable satisfaction, and to the standard required of us under applicable laws and regulations. Dumarca further reserves the right to close your account and return any remaining balance if verification checks have not been carried out to our reasonable satisfaction within thirty (30) calendar days from our first request for documents.
Until such time as any verification checks have been adequately concluded, any withdrawal request that you make will be pending. Once we have verified your identity, the withdrawal will be actioned. If your account has been restricted for not providing age verification information only, you may withdraw any remaining funds (excluding any winnings on your account) without providing such verification and your account will be closed.
Dumarca may, at its own discretion, refuse to open an account for any individual. The company reserves the right to close a player account, but contractual obligations already made will be honoured.
3. Use of your account
You agree to abide by these Terms and Conditions at all times and, in particular, not to:
• use the Website other than for your own personal use, and not to act in the interests of any third party;
• utilise monies obtained from criminal or fraudulent activities;
• credit accounts with any payment method you are not authorised to use, which includes the use of corporate cards or business accounts;
• try to hack the Website or to alter its code in any way;
• adopt any criminal behaviour against Dumarca, its affiliates, and its other users; and/or
• choose a username which infringes our trademarks or company names, or which is abusive or offensive towards our other users.
You may only hold one account with the Website. Users holding two or more accounts for any reason should inform us without delay. If we identify any User with more than one account, we will close any duplicate account(s) and return any withdrawable funds. If we have grounds to believe that one or more account(s) have been opened with the intention to mislead or defraud Dumarca, we may cancel any pending transaction(s) related to such conduct and close any or all of the account(s).
Dumarca accepts stakes in a number of different currencies. You must choose one currency as the default currency of your account.
User must keep their login details and password secret at all times. We will not be held liable for unauthorised access to your account if you do not safeguard this information. We are entitled to assume that all play on your account is from you.
You can at any time log in to your account and view your account history, including deposits, bonus credits, winnings, wagers and withdrawals. Should you notice any mistakes, you should immediately notify Dumarca so that it can be reviewed and rectified as necessary.
You are not permitted to transfer, sell and/or acquire accounts to / from other Users. If we have reasonable grounds to believe such activity has occurred, we reserve the right to suspend and/or close the account in question.
If no transaction has been recorded on your account for twelve (12) consecutive months, your account will be deemed 'inactive'.
Dumarca shall, no less than thirty (30) days before the player's account is due to become inactive, contact you via email to inform you that your account is about to become inactive. If your account becomes 'inactive' and Dumarca is unable to contact you after making reasonable attempts to do so, we will charge a monthly five Euro (€5) administrative fee to your account. This fee will not be charged to an account which is deemed to be inactive following a self-exclusion request by the player. Once the self-exclusion period lapses, the inactivity fees may be charged if the player remains inactive after the lapse of the self-exclusion period.
Dumarca will have no obligation to return fees deducted in this way as they are no longer considered to be customer funds once they have been deducted. Fees on inactive accounts can bring your account balance to zero. The company reserves the right to use the inactivity fees to fund responsible gambling endeavours. Administrative fees shall only be refundable on presentation of proof of a health impediment during such inactive period.
4. Deposits & Withdrawals
In order to adhere to applicable laws and our regulatory requirements, you must only use debit or credit cards and other payment methods that are valid and that lawfully belong to you. We also prohibit any account funding from corporate cards or business accounts. In the event that we identify, or have reasonable grounds to believe, that a payment method does not belong to you, we will void any winnings arising from the relevant deposit(s) and we reserve the right to close your account.
In the case of deposits via credit and debit cards, you may be requested, in our reasonable discretion, to submit a copy of the front and back of the relevant credit card showing only the first six and last four digits on the front, and hiding the CVV2 number from the back.
We hold all customer funds separate from company funds in an accredited banking institution in line with gaming regulations, the bank has acknowledged that your funds are held solely for this purpose and:
a) it will not attempt to enforce or execute, any charge, write-off, set-off or other claim against the aforementioned account/s; and
b) it will not combine the account/s with any other account in respect of any debt owed to it by Dumarca.
You should only deposit money into your account for the purposes of entering into a gambling transaction. In circumstances where we reasonably believe that you are depositing money without any intention to enter into a gambling transaction, we may investigate your account in accordance with these Terms and Conditions.
We reserve the right to decline a gambling transaction if your account is restricted in our reasonable discretion. All gambling transactions are entered into at your own discretion.
No interest is payable on account balances, irrespective of the amount held in your account. Accordingly, you should not in any way treat Dumarca as a financial institution.
No credit is permitted. It is your responsibility to maintain sufficient funds in your account, and to stake your funds accordingly. Gambling transactions will not be confirmed if there are insufficient funds in your account. We reserve the right to void any stake which may be inadvertently placed or accepted if your account does not have sufficient funds to cover the whole of the stake.
As required under our regulatory obligations, we may request more information about the source of any funds deposited by you. This could include copies of bank statements, pay slips and/or additional evidence of other source of funds, such as proof of sale of a property or proceeds of a will. If we request information on your source of funds, you must provide the information within 28 days.
If you do not provide the requested information within the period given, we will proceed to restrict your account until the information has been provided and verified by us. Dumarca may, acting reasonably, restrict or close any account where the response to such requests is not satisfactory. We may also pass on such information to any relevant authority if required to do so by applicable laws.
If Dumarca mistakenly credits your account with winnings that do not belong to you, whether due to a technical error, human error or otherwise, the incorrectly credited amount will remain the property of Dumarca. If, prior to us becoming aware of the error, you have withdrawn funds that do not belong to you, without prejudice to any other remedy and action that may be available to us by law, the mistakenly paid amount will constitute a debt owed by you to Dumarca. In the event of an incorrect crediting, you should notify Dumarca immediately by email.
Bonus funds may be credited to your account as part of a promotion, loyalty scheme or other marketing campaign. These bonus funds cannot be directly withdrawn/paid-out, but must be used for the placing of wagers on the Website. Depending on the promotion, these bonus funds may be convertible to real money after fulfilling a specific set of criteria for the promotion. Please refer to specific Promotional Terms.
Funds cannot be transferred from your account to the account of another User or vice versa.
In order to withdraw any amount of money from a player account, the full amount of the deposit must be wagered at least once. Dumarca reserve the right to impose a 30% processing fee if any circumstance authorised by them warrants a withdrawal before the full amount is wagered.
For deposits which amount to two-thousand euros (€2,000) or above, on a rolling period of one hundred and eighty (180) days, you will be required to provide us with a copy of your photographic ID (e.g. a valid passport or official identity card) confirming identity and age, and a utility bill and/or bank statement dated within the last three months, confirming place of residence.
Withdrawals to credit / debit card are possible to Visa or Visa electron. Unfortunately, MasterCard does not currently provide this functionality.
In line with the applicable laws, Dumarca will remit amounts only to the same payment method from where the funds deposited into your account originated.
Credit / debit card withdrawals are processed to the card(s) that were originally used to deposit. Should a User have more than one registered credit/ debit card, the withdrawal will be processed to the primary credit/ debit card (i.e. the account from which you deposited the majority of funds within the last 6 months), assuming withdrawals to this card are possible (e.g. in the case of MasterCard, withdrawals are not possible).
Withdrawals to credit/ debit cards usually take between 3 to 5 working days.
The full credit/ debit card information is never stored by Dumarca and always transmitted in an encrypted way for your security.
Without restricting our ability to rely on other remedies that may be available to us, we may cancel any of your withdrawal requests or void any winnings if we suspect that you are:
• acting other than on your own behalf or otherwise in conjuction with others;
• engaging in illegal or fraudulent activity; or
• breaching any of these Terms and Conditions.
Deposits to and withdrawals from an account shall at all times be made through a Financial Institution or a Payment Solution Provider. The procedures, terms and conditions, availability, fees and processing time for deposits/withdrawals may vary depending on the relevant Financial Institution or Payment Solution Provider. For further information please see here.
Users should be aware of the general conditions that apply to the use of an E-PRO E-voucher.
E-PRO is a payment solution provided by EMP Corp, an E-money agent, based on E-money and E- wallet.
E-PRO is an E-Voucher issued by EMP Corp, being resold by First Remit Limited (UK), a registered money service business with Her Majesty's Revenue and Customs certificate number 12679642 & fully authorized by the UK Financial Conduct Authority (FCA) as a payments institution, with reference 622935.
E-Pro e-Vouchers resold by First Remit will show in your card statement as "Online Payment".
An E-VOUCHER, constituting electronic money, is generated in the event of an intervention by EMP Corp to pay for the services offered on the MERCHANT SITE If the payment service provider is EMP Corp, the transaction will result in the creation and purchase of electronic money issued by an E-money Issuer, to be used to credit an E-wallet
5. Complaints and Dispute Resolution
If you have any complaint, you can email customer support on firstname.lastname@example.org or call the numbers below: Malta: + 356 277 80428
Our customer support team will attempt to handle a complaint as soon as is reasonably possible. If the support team cannot resolve the complaint, they will escalate it to management for solution. If you do not agree with the decision made by our Customer Services team, you can escalate this complaint to the Customer Support Manager at email@example.com. Dumarca will resolve any complaint promptly within ten (10) days from when the complaint is received by Dumarca, and the decision taken will be communicated by email. If more time is required to respond to the complaint, we may extend the period by a further 10 days and will notify you accordingly.
Complaints should first be raised with our Customer Services team. If you are not satisfied with the outcome, you may refer your complaint to an Alternative Dispute Resolution Body (ADR).
If the dispute relates to an amount of up to € 5,000 you may contact MADRE arbitration services, free of charge, on madre-online.eu/file-a-claim/. The following ADR procedure specific rules shall apply in this case madre-online.eu/about-us/rules-of-procedure/. The decision shall be binding.
If the dispute relates to an amount above € 5,001, you may contact Ecogra, free of charge, on ecogra.org/ata/dispute.php. The decision shall not be binding.
If you have a complaint regarding any aspect of the provision of our gaming service whereby you believe it is unlawful, or conducted in a manner which is not safe, fair or transparent, you have the right to raise such a complaint with the Player Support Unit established by the MGA;
Online Form: www.mga.org.mt/support/online-gaming-support/
E-mail : firstname.lastname@example.org
Address: Malta Gaming Authority, Building SCM 02-03, Level 4, SmartCity Malta, Ricasoli SCM1001, Malta
Tel: +356 2546 9000
5.5 Alternatively; if you reside within the EU; you can raise your complaint to the Online Dispute Resolution (Online Dispute Resolution -ODR). The ODR platform will aid in the resolution of your complaint by facilitating communications between parties.
Making use of an ADR entity service does not restrict your right to bring proceedings against Dumarca in any court of competent jurisdiction.
6. Responsible Gambling
You may, at your discretion, ask us at any time to exclude you from placing any transactions on the Website for a specific time period. You can do this online, by visiting the Limits section of your account, or by contacting Customer Services. In asking us to exclude you, you acknowledge and agree that we will suspend your account and prevent you from gambling on the Website for the time period requested. Applying a self-exclusion will not affect any pending withdrawal, unless verification documents are requested in line with our Know Your Customer process.
The self-exclusion will be applied to all websites operated by Dumarca. You are able to extend the self-exclusion to our Group. There may be a short delay in applying the self-exclusion to websites operated by other members of our Group. Please note that the self-exclusion will not apply to any websites not listed within our group, as these companies are not members of our group.
When you self-exclude, we will attempt to return your withdrawable funds to you. If, after a reasonable period, we are not able to return your withdrawable funds (because, for example, we are not able to contact you), we may donate the relevant amount to a charity of our choice.
It is not possible for us to override or remove any self-exclusion period once set. Bonuses may expire during the suspension of your account; we cannot reinstate any expired bonuses once the account is re-activated.
If you wish to reactivate your account after the period of self-exclusion has expired, you may only do so by contacting Customer Services and requesting the self-exclusion be lifted. Any request to remove any definite self-exclusion after the specified period has expired will be subject to a twenty-four hour cooling off period, after which your account will be re-activated. Any request to lift an indefinite self-exclusion will be subject to a seven-day cooling off period. If you wish to extend the self-exclusion, you can do so by contacting Customer Support.
We will remove your name and details from any marketing databases we have once your self-exclusion has been implemented. We will take all reasonable steps to ensure that self-excluded accounts do not receive any marketing material from us. However, there may be a short delay between your self-exclusion and marketing materials being stopped. Self-excluding from our Website will not affect your marketing preferences with third parties, including advertising from other third-party affiliates, over which we have no control. We strongly recommend that you contact any such parties and opt out from receiving any marketing material from them. We also recommend you consider self-excluding from any other online gaming operators with which you hold an account.
Should you opt to self-exclude, we will take all reasonable steps to detect and prevent you from registering a new account on the Website. You should not attempt to open an account on any website operated by Dumarca or any other member of its group whilst you have opted for self-exclusion. Any accounts found to be in use of a self-exclusion agreement will be closed as soon as such use is discovered.
We shall have no responsibility or liability to you or any third party for any gambling activity that takes places (including to refund any losses) if you circumvent our self-exclusion procedures by fraudulent means or by deliberately entering incorrect information.
You may temporarily take a break from gambling on the Website (twenty four (24) hours minimum). You can do so online by visiting the Limits section of your account, under 'Close my Account'. On confirming the Time-Out, your account will be immediately suspended and it will not be possible to log in until the selected duration has expired.
You may at your discretion choose to set limits on your account. You may:
- Deposits; set a limit on the amount you may deposit within a specified period of time; and/or
- Session: set a limit for an active session in order to better manage the time you spend gambling; and/or
- Losses: set a limit for how much can be lost from your account of deposited funds (i.e. winnings subtracted from the amount spent) for a given period.
Limits set on your account are not extended to any other account you may hold with Dumarca. It is your responsibility to apply limits/exclusions required across all your accounts. You will have the option to apply limits to all websites operated by members of our group, to extend your limits please contact us.
7. Account closure
You may close your account at any time by contacting Customer Services on email@example.com or online by visiting the Limits section of your account. Closure via customer support will be implemented within 24 hours and you will receive a confirmation via e-mail. You remain responsible for any activity on your account between the time of your request and the closure of the account.
If we discover, or have reasonable grounds to believe, that you are engaging, or have engaged, in one or more of the following activities:
(i) cheating (including counting cards or exploiting a game or game fault); and/or
(ii) colluding with others or distorting normal game play in any way (including by working together to exploit a game or game fault, using "bots" or similar software, or manipulating software); and/or
(iii) fraudulent behaviour or criminal activity (including money laundering or credit card fraud); and/or
(iv) deliberately breaching these Terms and Conditions in your use of the Website or participation in the games,
then we may conduct an investigation and restrict your account pending its outcome (including any pending withdrawal request). If, after investigating, we reasonably believe that you were engaging in one of the above activities, we will close your account. We may also close your account in the following circumstances:
(v) you do not pass the verification or source of funds checks to our reasonable satisfaction;
(vi) we reasonably believe that you are underage; or
(vii) you have provided false or misleading information to us.
It is unlawful to deposit funds from ill-gotten means. All transactions are monitored in order to prevent money laundering. Any suspicious transactions will be reported to the relevant Authorities.
Dumarca may restrict, block or close your account and withhold funds if so required by applicable law.
8. Specific Rules for games
Winnings and account balances in the 'Play for Fun' mode have no commercial value whatsoever and are not redeemable for cash, credit or any other type of benefit.
Every User determines the value of their stakes, in accordance with the limits of each casino game. It is your responsibility to make sure that all details of the gambling transaction are correct.
The maximum win for any wager or game-play transaction on any individual account shall, in relation to each of the casino games offered by Dumarca, be no greater than €1,000,000 (one million Euros) or the equivalent amount in your currency of choice. The foregoing win limit shall not apply to any progressive jackpots offered on the website.
The Website operates with a Random Number Generator (RNG), which guarantees a randomised outcome for each game and the integrity of the product and games. The RNGs have been tested and verified for randomness by approved independent third parties. Both the 'Play for Fun' and 'Play for Real' modes use exactly the same Random Number Generator.
Dumarca Gaming Limited offers the user the possibility to chat in virtual chat rooms. The purpose of these chat rooms is to provide entertainment and communication amongst users of the games. The User may only use the chat function in a manner that would be appropriate in a face-to-face conversation.
All conversations using the chat feature are recorded and stored.
The company reserves the right to remove chat rooms.
Collusion through the use of the chat feature or separate chat is prohibited.
Additional specific game rules can be accessed either through the games themselves or through the Game Rules page.
9. Limitation of Liability
You enter the Website, and participate in the games, at your own risk. The Website and the games are provided without any guarantees, conditions or warranties as to their accuracy, whether express or implied.
We, our directors, employees, partners, service providers:
(i) do not promise that the Website or the games are fit for their purpose;
(ii) do not promise that the Website or the games are free from errors; and
(iii) do not promise that the Website or the games will be accessible without interruptions.
If we do not comply with these Terms and Conditions, we are responsible for any loss or damage you suffer that is a foreseeable result of that non-compliance, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen. We will not be in breach of these Terms and Conditions, nor be liable for delay in performing, or failure to perform, any of our obligations under these Terms and Conditions, if such delay or failure results from: (i) your breach of these Terms and Conditions; or (ii) events, circumstances or causes beyond our reasonable control.
Nothing in these Terms and Conditions affects our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable laws.
You should use this Website for domestic use only. If you use the Website for any commercial or business purpose, we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
Dumarca reserves the right to make the Website and/or certain games temporarily unavailable at its own discretion and without giving prior notice to Users. Dumarca will not be liable for any loss that User may incur as a result of such unavailability. Dumarca will aim to restore the service as soon as reasonably possible.
Subject to the paragraphs above, and other than in relation to the payment of winnings lawfully won, our liability to you under these Terms and Conditions shall not exceed:
• in the case of any liability which relates to a specific gambling transaction, the amount of the stake wagered; or
• in the case of any other matters, an aggregate of 2,000 thousand Euros.
10. Technical errors
Dumarca will at all times make every effort to provide a service of satisfactory quality, fitness for purpose and completeness. If for any reason a User becomes dissatisfied with any of the services provided by Dumarca, the User may contact Dumarca immediately and notify us of the issue.
Dumarca cannot guarantee that the service will never suffer from faults; however we commit ourselves in rectifying the problem as soon as it has been reported or as soon as we possibly can. If you experience a fault in the service provided, please report it to us immediately.
In the event of a system malfunctions or errors, Dumarca shall have the right to void all wagers and return the original stake to you. Dumarca does not accept any liability for any failures or issues that arise due to your equipment, internet connection or internet.
In the event of any interrupted, aborted or miscarried games for any reason whatsoever, all Users' transactions shall be accurately recorded on Dumarca's system. Any "unfinished game rounds" are restored when returning to the game. "Finished game rounds" are not restored, but results can easily be retrieved by contacting our Customer Services team.
11. Other provisions
All intellectual property rights ("IP Rights") in the Website belong exclusively to Dumarca or a third party software provider company. Your use of the Website does not give you ownership of any intellectual property rights on the Website or in the software. IP Rights includes any and all intellectual property rights, of all types or nature whatsoever, including, without limitation, patent, copyright, design rights, trade marks, database rights, applications for any of the above, moral rights, know-how, trade secrets, domain names, URL, trade names or any other intellectual or industrial property rights (and any licenses in connection with any of the same), whether or not registered or capable of registration, and whether subsisting in any specific country or countries or any other part of the world.
These Terms and Conditions are available in a number of languages for information purposes and ease of access. From a legal perspective, the English language version of these Terms and Conditions will prevail over any other language version made available.
We shall not be in breach of these Terms and Conditions nor liable for delay in performing, or failure to perform, any of our obligations under these Terms and Conditions where any such delay or failures results from major incidents, events or causes beyond our reasonable control. This includes any strike, political crisis, war, natural catastrophe and saturation of the telecommunication networks.
If any provision of these Terms and Conditions is held by any competent authority to be invalid, illegal, void, unreasonable or unenforceable, that provision shall be severed from these Terms and Conditions and all other provisions including the remainder of the provision in question (if applicable) shall remain in full force and unaffected by such severance.
We may assign or otherwise lawfully transfer any or all of our rights and obligations under these Terms and Conditions.
These Terms and Conditions apply to you individually and you shall not assign, sub-license or otherwise transfer any of your rights or obligations under these Terms and Conditions.
These Terms and Conditions, including any additional terms or rules expressly referred to in them, constitute the entire agreement between you and us with respect to the Website and, save in the case of fraud, supersede all prior or contemporaneous agreement, understanding or arrangement between you and us, whether electronic, oral or written, between you and us with respect to the Website.
These Terms and Conditions and any matters relating hereto shall be governed by, and construed in accordance with Maltese law. 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 these Terms and Conditions and any matter arising therefrom. Nothing in this clause shall limit the right of Dumarca to take proceedings against you in any other court of competent jurisdiction 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.