User Agreement

1) Purpose and role of the document

• Defines the conditions of access to the site/application and services
• describes the rights and obligations of the parties, restrictions and prohibitions;
• establishes KYC/AML procedures, payments, bonuses and games;
• contains legal disclaimers, dispute resolution, applicable law.

For iGaming, the agreement is the "skeleton" of the legal framework associated with the Privacy Policy, Cookie Policy, Game Rules, Bonus Rules, Responsible Gaming Policy and Payment Policy.

2) Structure and mandatory sections

1. Parties and acceptance of the offer

2. Service availability and age restrictions

3. Account: registration, security, blocking

4. KYC/AML and checks (including sanctions/PEP screening)

5. Payments, deposits, conclusions, fees and limits

6. Rules of games/bets and calculation result

7. Bonuses, promotions, missions, tournaments and abuse limiters

8. Responsible play and self-disconnection

9. Prohibited actions and sanctions (multi-accounts, bots, VPN/proxy, collusions)

10. Intellectual Property and Licenses

11. User content and moderation

12. Risk disclaimers and lack of guarantees

13. Limitation of liability and indemnity

14. Suspension/termination, freezing of funds during investigations

15. Applicable Law, Jurisdiction/Arbitration, Claim Procedure

16. Notifications and Communications

17. Condition changes (versioning)

18. Severability, Assignment, Force Majeure

19. Language versions and text priority

20. Contacts and Effective Date

3) Parties and acceptance

Provider: legal entity (site operator) with address/registration and license (if applicable).
Acceptance: account registration, checkbox affixing, continued use of the service - methods of consent.
Mandatory: the use of the service is possible only on the terms of the Agreement and related policies.

4) Service availability and age

Age barrier: the service is available only to adults under the law of their country.
Geo-restrictions: specify countries/regions where the service is not available.
Checks: verification of age and eligibility.

5) Account

Registration: reliable data, one account per user, sharing ban.
Security: password storage, 2FA, responsibility for actions from the account.
Blocking/freezing: grounds - suspicion of violations, chargeback, AML signals, regulator request.
Deletion: at the user's request (subject to legal/financial restrictions on holding and closing the balance).

6) KYC/AML and checks

Collection and reconciliation: document, selfie/video on request, confirmation of address and source of funds if necessary.
Providers: inspections are performed by authorized third parties; the user agrees to transfer data to the extent necessary for KYC/AML.
Risks/sanctions: the right to suspend operations and account until the completion of inspections.
Non-compliance: refusal/termination of the contract, withholding/return of funds in accordance with the law and rules.

7) Payments and conclusions

Deposits: Eligible methods, currency, fees, and conversion.
Conclusions: processing time, KYC threshold, same-method rule and return to source priority.
Limits: day/week/month; manual/auto-moderation of transactions.
Fraud/chargeback: right to withhold funds until clarification; mutual settlement of debt.
Net Deposits: possible accounting for net deposits in disputes and bonus restrictions.
Freeze: For the duration of the AML investigation/dispute/chargeback.

8) Gaming/betting rules and settlement

Results: source of official information (provider/regulator/league), recount rules and cancellations.
Technical failures: principles of cancellation, return, restoration of progress.
Providers: games are provided by third parties; their rules and RTP/restrictions apply.

9) Bonuses, promotions, tournaments

Agreement with Bonus Terms: wagering, maximum bets, deadlines, contribution of games, limitation of strategies.
Anti-abuse: multi-account, arbitration, "matched betting," low-risk bet - bans and sanctions.
Tournaments/PvP: regulation, scoring, fair play, tie-break.

10) Responsible play and self-disconnection

Instruments: deposit/time/loss limits, "time out," self-exclusion.
Procedures: how to submit a request, terms of entry and conditions of change/withdrawal.

11) Prohibited activities

Bypassing geolocks (VPN/proxy/anonymizers) when prohibited.
The use of bots/scripts, software for advantage, collusion and other forms of fraud.
Account transfer, sale of chips/balances, money laundering.
Publication of illegal/offensive content, interference with the service.
Sanctions: warning, temporary/permanent blocking, confiscation of illegally received winnings, notification of authorities/partners.

12) Intellectual Property and Licenses

Operator rights: site, brand, design, code, content, databases.
Rights of game providers: graphics, mechanics, audio - reserved and licensed.
User license: limited, revocable, non-exclusive, without the right to sublicense - for personal use of the service.
Prohibitions: copying, reverse engineering, implementation, resell.

13) User content and moderation

The user is responsible for the published content (chat, nickname, avatar).
Platform license to use UGC within the service.
Moderation rules and content removal, compliance with law and ethics.

14) Risk disclaimers and lack of guarantees

Games come with the risk of losses; the user accepts this risk.
Service "as is" and "as available"; interruptions and errors are possible.
The platform does not guarantee continuity, compatibility and achievement of user goals.

15) Limitation of liability and indemnity

Liability limit: reasonable limit (e.g. amount of deposits per period or fixed cap), except as required by law.
Exceptions: death/harm to health due to fault, intent/gross negligence - according to the law.
Indemnity: the user reimburses the platform for losses in case of violations of the conditions/law on his part.

16) Suspension, termination, freezing

Grounds for suspension of access/services.
Termination by either party (with notice if required).
Freezing of funds until the end of checks, withholding, returns and closing of the balance according to the rules and the law.

17) Disputes, law and jurisdiction

Claim procedure: response time and form of appeal.
Arbitration/Courts: Selected Mechanism and Venue.
Conflict of laws rules: applicable substantive law.

(Add local requirements for countries of presence.)

18) Notices and Communications

Channels: e-mail, account notifications, website/application.
Moment of receipt: by sending/publishing or after X days - specify.

19) Terms and Conditions Changes and Version

Update order, date of entry, notification method.
Version archive and changelog.

20) Miscellaneous: separability, concession, force majeure, languages

Severability: Invalidity of a part does not affect the rest.
Assignment: prohibition of assignment of rights by the user without consent; the operator's right to a cession within the group.
Force majeure: actions of government agencies, infrastructure failures, cataclysms, wars, etc.
Languages: The specified version (e.g. English/Russian) takes precedence in case of version discrepancy.

21) Editor's checklist before publication

• Verified by Jurassic company details, license/regulator (if any).
• Geo-restrictions and age are prescribed.
• KYC/AML procedures and freezing bases are described.
• Clarified limits, fees, lead times, same-method rule.
• Bonus Terms/Game Rules/Responsible Play attached.
• Prohibited actions and sanctions are prescribed.
• Disclaimers, limits of liability and indemnity are set.
• Law/jurisdiction/arbitration and claim procedure are defined.
• Notices, version, date of entry, force majeure are described.
• Agreed with lawyer and compliance (regulatory requirements of local markets).

22) Ready User Agreement template (copy and adapt)

Effective: [date] Version: [vX. Y]

1. Parties and acceptance

1. 1. This Agreement is made between [Operator, full name, registration, address] (the "Operator") and you (the "User").
1. 2. Acceptance of the Agreement is account registration/checkbox/actual use of the Service.
1. 3. The Service may only be used under the terms of the Agreement and related policies.

2. Service access and age

2. 1. The service is intended for persons who have reached the age of [18 +] or otherwise provided by the law of your jurisdiction.
2. 2. Access from countries/territories: [list of prohibitions/restrictions].
2. 3. The operator has the right to conduct age and eligibility checks.

3. User Account

3. 1. The user is obliged to provide reliable data; one account per person; prohibition of transfer to third parties.
3. 2. The user ensures the confidentiality of authentication data and responsibility for actions in the account.
3. 3. The operator has the right to restrict/block the account if violations/risks are suspected.

4. KYC/AML and checks

4. 1. The user agrees to undergo identification and verification, including the provision of a document, selfie/video, confirmation of the address/source of funds.
4. 2. Checks are performed by authorized providers.
4. 3. Operations may be suspended for the period of inspections; in case of non-conformity - denial of service/termination.

5. Payments, deposits and conclusions

5. 1. Deposits and withdrawals are made by the permitted means specified on the Website/in the Appendix.
5. 2. Limits and fees apply; currency conversion is possible at the provider's rate.
5. 3. The output is carried out mainly on the method from which the funds came (same-method rule).
5. 4. In case of a dispute/chargeback, the Operator has the right to withhold funds until the end of the investigation.
5. 5. Account closure and settlements - according to the rules and law.

6. Games/Bets and Results Calculation

6. 1. The rules for specific games/bets are published separately and form part of the Agreement.
6. 2. Results are determined based on official sources/providers.
6. 3. In case of technical failures, cancellation/recalculation and return of rates/balance according to the regulations are possible.

7. Bonuses and promotions

7. 1. The terms of bonuses, wagering, game deposits, betting limits and terms are specified in the Bonus Rules.
7. 2. Bonus abuse strategies are prohibited; violations entail sanctions up to confiscation of illegal winnings.

8. Responsible play and self-disconnection

8. 1. Tools for limiting deposits/time/losses, "time out" and self-disconnection are available.
8. 2. The procedure for submitting requests and the terms of entry are indicated in the sections of the Site.

9. Prohibited activities

9. 1. Multi-accounts, bots/scripts, collusions, geoblocking, money laundering, publishing illegal content are prohibited.
9. 2. Sanctions: warning, restriction, blocking, withholding/confiscation of illegally obtained funds, reporting to the competent authorities.

10. Intellectual property rights

10. 1. All rights to the Service belong to the Operator and/or its licensors.
10. 2. The user is granted a limited, non-exclusive personal use license.
10. 3. Copying, modification, reverse engineering and other operation outside the terms of the license are prohibited.

11. User Content

11. 1. The user is responsible for his content and guarantees the absence of violations of rights/law.
11. 2. The operator has the right to moderate/delete content that violates the rules.

12. Disclaimers and lack of guarantees

12. 1. The service is provided "as is" and "as available."

12. 2. Games involve the risk of losses; participation - at the User's discretion.

13. Limitation of Liability and Indemnity

13. 1. Operator's liability is limited to the extent not prohibited by law.
13. 2. The User undertakes to indemnify the Operator for losses arising from violations of the User.

14. Suspension/Termination

14. 1. The Operator may suspend or terminate access in case of violations/risks by notifying the User.
14. 2. Freezing of funds is allowed for the period of inspections and disputes within the framework of the law.

15. Disputes and applicable law

15. 1. Pre-trial procedure: send the claim to [email/form]; the response time is [X] days.
15. 2. Disputes are subject to [courts/arbitration] [jurisdiction]; [country] law applies.

16. Notices

16. 1. Notifications are sent by e-mail/account/on the Site and are considered received from the moment of sending/publication.

17. Changes to the Agreement

17. 1. The Operator may update the terms and conditions; the new version is published with an effective date. Significant changes are notified.

18. Miscellaneous

18. 1. The invalidity of the part does not affect the rest (severability).
18. 2. Assignment of rights by the User without the Operator's consent is prohibited; The operator can transfer rights within the group of companies.
18. 3. Force majeure: force majeure circumstances exempt from liability for the period of their validity.

19. Language versions

19. 1. If the texts differ, the [specify language] version takes precedence.

20. Contact information

Agreement questions: [support @ domain], mailing address: [address].

23) Appendices (recommended)

A. Gaming/Betting Rules

B. Bonus terms (wagering, strategy limiters, game contributions)

C. Responsible Play Policy

D. Payment policy (methods, terms, fees, limits, same-method)

E. UGC moderation policy

F. Table of jurisdictions/geo-constraints

24) Practical implementation tips

Maintain consistent terminology across all documents (Terms, Privacy, Cookies).
Put the variable parameters (limits, deadlines, commissions) in the config tables/applications - it's easier to update.
Version the document and publish the changelog.
Synchronize text with the interface (UX consent buttons, pop-ups when changes).
Perform legal audits for target jurisdictions and summarize local requirements in Appendix F.

How to use this article

1. Accept the structure as a checklist.
2. Insert your details, jurisdictions, limits and deadlines.
3. Coordinate with lawyer/compliance and post.
4. Set up explicit consent points and document revisions in the product.