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RULES AND REGULATIONS ON BETTING

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1.0 Introductions

1.1 No contractual relationship is created until ONLINE RESPONSE LTD at its Mauritius office establishes an account for the potential customer pursuant to Accounts Rules IN SECTION3 and assigns him or her PIN and password.

1.2 It is the obligation of each customer opening an account or placing a wager with ONLINE RESPONSE LTD to determine whether his or her actions are in conformity with local laws.

1.3 All transactions are governed by the Account Rules and Sports Rules (set forth herein) and Credit Card Rules (issued separately) - jointly referred to as the "Rules".

1.4 In the event of any ambiguity, or in any area where no rule specifically applies, transactions and disputes will be governed by a consensus of the rules generally applicable in Mauritius if existed or else in England.

1.5 ONLINE RESPONSE LTD (the 'Company') reserves the right to refuse payment of any winnings from a wager if the Company has reason to believe that the client has acted improperly. For example, acting in collusion with another in a way that would influence the transaction, or attempting to defraud the Company.

1.6 In the event of any dispute concerning a decision made by the Company, appeals may be taken in writing to the Customer Account Manager. All decisions by the Customer Account Manager shall be final and not subject to further appeal.

1.7 Registration can be made by filling the tear off portion of our leaflet, make a deposit and send the form duly filled and the deposit to our registered office or fill all details on our web site, make a deposit by credit card (master or Visa) or send the deposit separately if you are not using credit card. You will benefit our cheap rate by Fedex but for deposit of US$500 or more the Fedex fee is free.

1.8 This service is strictly reserved to NON RESIDENTS. ONLINE RESPONSE LTD (the 'Company') reserves the right to refuse payment of any winnings from a wager if the Company has reason to believe that the client has acted improperly. For example, using NON-RESIDENT identity to wager , a NON-RESIDENT allowing a resident to bet in his name or any other form of collusion making it possible for a RESIDENT to wager. The company also reserves the right to take any legal action for whatever damages suffered.

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2.0 Service Agreement


2.1 The Company offers a complete 24-hour telephone, fax and e-mail sports betting service.

2.2 A full list of the sporting events covered and the ODDS are available on the web site, if you telephone us and by fax or e-mail which will be regularly communicated to you upon request. Such request can be made by a tick in the appropriate box in the application form, by telephone, e-mail, fax or a letter by post.

2.3 The Rules are subject to change and revision without prior written notice.


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3.0 Opening an Account

3.1 Accounts can only be opened by a client who is at least 18 years of age.

3.2 Minimum initial deposit to open an account is $30 U.S. or equivalent.

3.3 Accounts can only be opened in the name's of an individual, not a
business name. The person opening the account is referred to by the
Company as the 'client', 'member', 'customer', 'account holder' or 'accountee'.

3.4 When opening an account all clients must give their full first and last names
(no initials) along with a contact telephone number, together with other personal
details.


3.5 Clients must choose in which currency they will deal. Mauritian rupee is not allowed.

3.6 All account holders must fill an official Company registration form within 28 days
of their first deposit.

3.7 Clients using a credit card must fill the section "credit card" in the registration
form BUT it becomes operative as soon as a client starts to make deposits by
credit card although registration is done after..

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4.0 Maintaining an Account

4.1 Once an account has been opened, the account name cannot be added to or amended.

4.2 After opening your account, your PIN, password and security details should remain
completely confidential. The Company accepts no responsibility for any fraudulent
activities where this confidentiality has been broken, knowingly or unknowingly.

4.3 All dealings with an account must be made by first providing the relevant account
access information, i.e. name, PIN and password.

4.4 Account holders may, from time to time, be asked to confirm other security details as a precautionary measure.

4.5 On each occasion that an account holder telephones the Company he/she will be given his/her current betting account balance. In the event of any system failures so that client balances are not available for a limited period of time, all account holders will be expected to limit their total wagers to within their approximate account balance.

4.6 Maintaining proper account balances is the responsibility of the client.

4.7 Game lines will normally only be read out to account holders who maintain a credit balance of at least $20 or equivalent. However you can get the odds on our web site.

4.8 Clients cannot transfer funds between accounts (e.g. to a friend's account), except in exceptional circumstances, where agreed with the company. Written consent by both transferor and transferee may be required by the Company in its discretion. In the event of such a transfer taking place an administration charge would be levied.


4.9 In respect of account balances, it is the account holders responsibility to ensure he/she is aware of their account balance (as reported to them by the Company on each telephone call), agrees the account balance reported to them with their own records of transactions and account balance, reports any difference between the two balances, as soon as possible, to the Company customer service department for their investigation, and limits their wagers to the total funds available according to that account balance which is lowest, until such time as the customer service department verify exactly what the actual account balance should be.

4.10 It is the account holders' responsibility to ensure that they are aware of all Company Rules.

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5.0 Closing an Account

5.1 All client accounts will remain 'active', even without funds, until a client indicates
otherwise, or for a maximum of one year.


5.2 If a client wishes his/her account to remain open, but will not be betting for a period of three months, the said account should be requested to be made 'inactive' until such time as that client wants to start using it again.


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6.0 Placing Wagers

6.1 Wagers cannot be accepted against an account until the relevant payment has been received and cleared, unless stipulated by both parties.


6.2 The minimum wager is USD20= by telephone or US$1 on our web site and must be placed/received prior to the official starting time unless, in exceptional circumstances, otherwise agreed by the Company.


6.3 The Company does not operate a 'fixed line' policy.


6.4 A wager is accepted by the Company only after the following points are satisfied :


6.41 the customer gives verbal confirmation of a bet as read by the operator, and


6.42 the operator verbally confirms that the bet has been accepted by the Company.


6.5 Any bet that does not receive verbal confirmation of acceptance from an operator will be considered null and void , unless otherwise stipulated and agreed by the company (e.g. in the case where the Company allows a wager to be faxed).


6.6 It is the responsibility of the account holder to ensure that his/her instructions are correct, and to check all wagers placed as they are read back.


6.7 When placing any wagers the account holder should always state the amount he/she wants to wager, not the amount he/she wants to win.


6.8 All wagers must be for a specific currency amount. The use of terms such as 'nickels',' dimes', etc is not acceptable.


6.9 When placing any wager the account holder must always specify the full team for soccer or for horse racing, the place of the race, race number, horse number and horse name,


6.10 Once placed and accepted by the Company, no bet can be cancelled or changed in any way, notwithstanding Rules 6.11 -6.16.


6.11 The time and date of all wagers will be noted, and all telephone conversations recorded. All clients are advised to keep their own record of which operator they speak to, and what times wagers are placed on a daily basis.


6.12 A wager is deemed invalid:
(a) if submitted later than the deadline established by the Company, notwithstanding Account Rule 6.14, or
(b) if it is ineligible or incomplete.


6.13 Each wager received by the Company will be treated individually. Repeated requests containing the same selections from the same or different clients acting in collusion or as a syndicate may be deemed void.


6.14 If the Company posts/quotes a wrong line for a sporting event, for example :
(a) the Company has the lines for the 'favorite' and the 'underdog' the wrong way round, or (b) the line quoted by the Company is completely different from that offered by Sports Consultants or other odds makers, and therefore obviously wrong, etc.then where the error is identified prior to the commencement of the event, any wagers made on such games will be made null and void. The Company will attempt to contact and inform the client using the relevant contact telephone/fax/e-mail. It is the clients responsibility to ensure that the Company always has the correct contact telephone/fax number or e-mail address. But Should an error only be identified after the commencement of the event all wagers stand, unless the Company considers that a winning account holder knew the game line was wrong.

6.15 Wagers will not be accepted where the clients' deposit account balance is not in credit in the appropriate amount, except in the event of a computer system problem (see Account Rule 10.7)


6.16 Any wager placed for a stake in excess of the actual current balance, even if accepted in error, will be settled in proportion to the current credit balance at the time of placement of the wager.


6.17 All game results/winnings will be posted after official confirmation by the relevant governing body, unless specifically stipulated otherwise by the Company.


6.18 In the event that a game result is posted incorrectly by the Company, all such results will be voided. The correct result will then be re-posted and all affected client balances will be adjusted accordingly. In the event that a client makes a further wager using the pay-out from a game result originally posted incorrectly as a winner, but then subsequently re-posted as a loser, the Company reserves the right to void or adjust any such further wager regardless of the game result


6.19 The Company reserves the right to refuse any wager's in whole or in part.


6.20 The maximum winnings allowed by the Company per client/per day, for all wagers is $50,000 regardless of the total amounts staked by the client or the total wagers approved by the Company.


6.21 All dates and times published by the Company are only indicative. The official times and dates will be those given by the relevant governing body.


6.22 If you bet by fax and/or e-mail while you are on our website, fill the betting form and click on send e-mail. Bets will be accepted only if there is sufficient fund on your account at the time your bets are placed. If your available fund cannot cover all your bets on your form, only bets of the first events on your form will be accepted until all your available fund will be used. A minimum bet is USD20 or equivalent if by telephone but US$1 on our website. When you have won on those first bets accepted you will have to e-mail and/or fax again bets which were previously refused for lack of funds. The maximum bet per sporting event by e-mail or fax is in two digits figure in any currency you deal in. If you bet bigger amount, please phone and ask to speak to the RISK CONSULTANT.


6.23 All sports events that you can bet are on our website and the odd displayed on the site will be the conclusive odd applicable if there has been no change at the time when the company receives e-mail is received. As betting on our web site is on line, it will be most probably unchanged.


6.24 If you fill the relevant portion of your application form, we will e-mail or fax to you all the events that we offer bets on a regular basis.


6.25 Full details of opening game lines are made available each day and also minimum and maximum wagers on all sporting events will be determined by the Company, and are available either from the Customer Service Department (upon request) or the Company web-site.


6.26 Any e-mail, fax or telephone calls received from the Republic of Mauritius or its dependent territories will not be accepted except for bona fide tourists.


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7.0 Making Deposits

7.1 Clients must always inform the Company of any deposit made, together with the relevant transaction details, as soon as they have completed the deposit transaction.


7.2 Deposits made by any method of transaction will not normally be credited to an account until such time as the payment is actually received and cleared. In the case where an account is credited by the Company prior to actual receipt/clearance, and the deposit is subsequently voided or delayed by the client, then the Company will view such activity as potential fraud and deal with it accordingly (see Account Rule 10.2).


7.3 No credit will be extended under any circumstance. Each wager submitted must be covered by sufficient funds in the clients wagering account.


7.4 Clients who deposit monies via their credit card are subject to additional rules/regulations. These additional rules are enclosed herein and become operative as soon as a client starts to make deposits by credit card.


7.5 Full details of all available methods, and any associated costs, for making deposits into a wagering account are available from the Customer Service Department upon request.


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8.0 Requesting a Refund/Withdrawal

8.1 All winnings from accepted wagers will be credited once an official result has been published.


8.2 Withdrawals will only be sent to the named account holder.


8.3 All account holders must state their full name, PIN, password and security details when requesting a withdrawal/refund.


8.4 Any client requiring a company check must state his/her mailing address. The Company accepts no liability for loss of checks sent to this stated address. Similarly, should a client require a refund sent by bank wire, the client must provide all necessary banking details. The Company accepts no liability for loss of bank wire refunds should the account holder provide any inaccurate banking information.


8.5 Refunds will usually be issued the next working day (Monday to Friday) after request, subject to Bank Holidays.


8.6 Clients should allow at least 10 working days transit time for refund checks sent regular mail. For express delivery allow 3 - 4 working days from date of dispatch.


8.7 Clients requesting a refund by direct bank transfer should allow up to 5 working days for the refund to reach the clients' bank account.


8.8 Refund requests in excess of $10,000 or equivalent will usually be subject to a required notice period of 3 working days.


8.9 Any account holder who has made credit card deposits can only request a withdrawal/refund upon successful completion of the credit card registration procedure, and having completed and returned all outstanding Statements..


8.10 Refunds cannot be made directly onto an account holder's credit card.


8.11 Full details of all available methods, and any associated costs, for obtaining refunds are available from the Customer Service Department upon request.

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9.0 Disputes

9.1 Any disputes arising over wagers/results will only be investigated by the Company if the account holder highlights such discrepancies within a period of 7 days of the wager being made/game result being posted.


9.2 Any disputes or grievances should, in the first instance, be directed to an operator in the Customer Service Department.


9.3 If an account holder wants further consideration given to a particular problem, or wants to make a written complaint, he/she should write to the Chairman of the company. The account holder should mark the correspondence Confidential, giving his/her name and address together with full details of the particular problem, and also indicate how he/she wishes the Company to reply - by letter, fax, e-mail etc.


9.4 When receiving this correspondence the Company will confirm receipt of it to the client. The Company will then aim to formally reply to the client within 72 hours of receipt of the details.


9.5 The decision of the Customer Account Manager will be final. Where the Company deems necessary, written advice will be sought from Sports Consultants. A copy of such written advice will be made available to relevant clients.


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10.0 Breach of Rules by Clients

10.1 The Company reserves the right to terminate its business relationship with a client at any time and without obligation of justifying the decision to do so (all funds in the account will be forwarded and any existing wagers will be honored). Without limiting the foregoing, the Company reserves the right to close or restrict a client account if any Rules are not adhered to by the client. The Company's policy is to immediately close a client account, and take whatever further action deemed necessary, if any of the specific Rules below (61 - 66) are not adhered to.


10.2 If in the opinion of the Company any account holder is found to be carrying out/attempting to carry out any fraudulent activities using his/her sports wagering account (in general, or in respect of any special promotions) then the Company reserve the right to close any such account and/or withdraw any promotional benefits accrued. It is Company policy to prosecute, to the full extent of the law, any clients/perpetrators of fraud who knowingly commit any fraudulent act.


10.3 Clients must take up any disputes/grievances through the appropriate channels, as set out in Rules 9.5 - 10.1.


10.4 Clients are prohibited from fraternizing with, or offering any gifts/tips/rewards to, any Company employee.


10.5 Clients who regularly call for game lines and do not have a balance of at least $20 or equivalent, and are therefore unable to place any wagers, or Who in the opinion of the Company do not have any intention of making any wagers, may be refused such game lines. The Company reserves the right to either close, or make administration charges to, the account of any client who abuses the Company lines service in this way.


10.6 In the event of any system failures (where updated client balances are not available for a limited period of time) any wagers accepted during this time period will be at the Company's discretion and all account holders will be expected to limit their total wagers to within their approximate account balance. The Company reserve the right to adjust the account balance and/or close the account of any client found to have willfully and deliberately ignored this rule.


10.7 In the event of a game result being posted incorrectly, where affected client balances may be misrepresented until the game result is re-posted correctly, clients are expected to limit their wagers to their known actual balance (see Account Rule 6.15). The Company reserve the right to adjust the account balance and/or close the account of any client found to have willfully and deliberately ignored this rule.

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11.0 General

11.1 All account holders must be non resident in Mauritius and will be exempt from paying any kind of betting tax or duty.


11.2 However, all members are responsible for taxes which may be applicable to their winnings in their country of residence. It is the account holders' responsibility to notify any relevant authorities regarding tax implications.


11.3 These Rules and Regulations are acknowledged as legal and binding by the customer when he/she submits his/her application. The customer also acknowledges that the Republic of Mauritius is the place where the wager takes place, and the place of jurisdiction and performance fulfillment.


11.4 The Company reserves the right to change any rule or part thereof, at the discretion of the Company's management, without giving prior notification to account holders.


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12.0 Sports Rules General

12.1 Date of Play
(a) Sports events must be played/started on date scheduled otherwise they are considered 'no action' for betting purposes, unless otherwise stipulated below.
(b) If a sport event is postponed and/or rescheduled to a later date then the said sport event will automatically constitute 'no action' for betting purposes.


12.2 All prices and odds are subject to time variations and are to be considered official at the time the wager is read back by an operator and confirmed by the client, notwithstanding Account Rule 6.14.
For betting purposes the result of a sport event will be determined by the official confirmation by
the relevant governing body and according to house wagering rules and regulations.


12.3 It is the clients responsibility to be aware of any information regarding any sports or sporting
events.


12.4 Rules for any special or one-off proposition wagers made available on any sporting event are available from the Customer Services department upon request.


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