By completing registration or continuing to use our services, you confirm that you have read and agree to these general Terms and Conditions, which govern your account and your rights under United Kingdom law. You must be at least 18 years old and eligible under local rules to use betting services. For customers in Great Britain, gambling services must be provided by an operator holding a Gambling Commission operating licence; your access is conditional on services being lawfully provided to you.

• Eligibility and account rules:
  • You must be 18+ and pass age and identity checks before gambling or accessing funds.
  • Only one account per person is allowed. Accounts are personal and for your own use. You are responsible for keeping credentials secure and for activity conducted through your account.
  • We may require location checks to confirm you are allowed to bet on an event.
• Modifications to terms:
  • Hand of Luck may amend these terms to reflect legal or product changes. We will post updates on the site or app, and the revised version applies from publication. Continued use constitutes acceptance. If you do not agree, you must stop using the services and close your account.
• Proper platform use:
  • You must not misuse the site, scrape odds or data, deploy automated scripts, collude, or attempt to gain unfair advantage.
  • Third‑party funding, proxy or VPN masking, and commercial exploitation of content are not allowed.
  • You must not upload malware or disrupt any service.
• Content and intellectual property:
  • All site content, odds, markets, data, trademarks, and software are protected. You may use them only for personal, non‑commercial betting use and may not copy or redistribute without permission.
• Liability and service availability:
  • Services are provided on an as‑available basis. We do not guarantee uninterrupted access or error‑free data feeds for any event.
  • To the extent permitted by law, we exclude liability for indirect or unforeseeable loss. Nothing limits liability for fraud or for death or personal injury caused by negligence, nor your statutory consumer rights.
• Suspension, closure, and compliance:
  • We may suspend or close your account to manage legal, responsible gambling, or anti‑money laundering risks, or for breach of these terms. Where permitted, we will inform you of the reason.
• Complaints and disputes:
  • Raise complaints to Customer Support without delay, providing your account details and a full description.
  • If a dispute cannot be resolved, you may be offered referral to an approved alternative dispute resolution body, subject to eligibility.
• Governing law:
  • These terms are governed by the laws of England and Wales, and disputes are subject to the jurisdiction of the courts of England and Wales, subject to any mandatory consumer protections.
• Promotions and bonuses:
  • Promotional offers, including any bonus or free bets, are subject to separate bonus terms that you must read and accept before use. Conflicts are resolved by the specific promotion rules.

These general rules apply to all bets placed on the platform and sit alongside market‑specific rules shown for each event. You must be 18+ and verified before placing a bet. Where location restrictions apply, you may bet only if you are allowed to do so at the time of placement.

• Bet acceptance:
  • A bet is accepted only when it receives a bet reference and appears in your account betting history. Pending or interrupted submissions are not accepted bets.
  • Odds may change until acceptance. Markets may be suspended or removed at our discretion.
• Minimum and maximum stakes; pay‑out caps:
  • Stake limits and any maximum pay‑outs are displayed on the bet slip or market page and may vary by sport, league, event, market, or account status.
  • We may refuse a bet or any part of a bet to manage trading or integrity risks.
• Settlement and results:
  • Bets are settled on the official result as published by the recognised governing body at the time of settlement, subject to market rules.
  • If a dead heat occurs, settlement is calculated by dividing the stake or returns in line with standard dead‑heat rules.
  • For racing deductions, industry Rule 4 or an equivalent deduction may apply if runners are withdrawn.
• Palpable or obvious error:
  • If a price, line, or market has a manifest error, Hand of Luck may void the bet or settle it at the correct odds that should reasonably have applied at the time of placement.
• Cancellations, postponements, voids:
  • If an event is cancelled, postponed, or abandoned, settlement follows the specific market rules. Markets may be void if not completed within the listed time window.
  • If we have strong grounds to suspect match‑fixing, misuse, collusion, or breach of integrity, affected bets may be void and your account restricted.
• In‑play betting:
  • Live scores and clocks are for guidance only and are not guaranteed. Delays in data or broadcast do not affect the official result used for settlement.
  • Cash out is offered at our discretion, is not guaranteed to be available, and may be suspended or withdrawn.
• Multiple accounts and syndicates:
  • Syndicate betting, use of multiple accounts, or placing the same selection across linked accounts to bypass limits is not allowed and may lead to bet cancellation and account action.
• Free bets and bonuses:
  • Free bet stakes are not returned in winnings unless stated in the bonus terms. Expiry dates and wagering requirements may apply, as set out in the relevant rules you must read before use.

These rules govern deposits, withdrawals, and the movement of funds in your account. They form part of the legal terms for using betting services in the United Kingdom.

• Permitted payment methods:
  • Only payment methods in your own name are allowed. Third‑party payments are prohibited.
  • For customers in Great Britain, credit cards cannot be used for gambling transactions. Approved debit cards, bank transfer, and selected e‑wallets may be offered subject to availability.
• Deposits:
  • Minimum and maximum deposit amounts vary by method and are shown in the cashier. Deposits credit when confirmed by the payment provider.
  • We may apply funding restrictions linked to your responsible gambling limits, affordability assessments, or AML controls.
  • Fees charged by us are not typical; if any fee applies, it will be shown before you confirm the transaction. Your bank or wallet may charge its own fees.
• Withdrawals:
  • Withdrawals are ordinarily paid to the original funding method where possible (closed‑loop policy). Additional verification may be required before release of funds.
  • Processing times depend on internal checks and the provider’s banking schedules. Estimated timeframes are displayed in the cashier and may change.
  • We may aggregate multiple requests or pay by bank transfer where required by security or regulatory obligations.
• Verification and security (KYC/AML):
  • We may request identity documents, address proofs, and source‑of‑funds or source‑of‑wealth evidence (for example, payslips or bank statements). Failure to provide satisfactory information may result in delays, limits, or cancellation of withdrawals.
• Currency and exchange:
  • The default currency is GBP. If you fund in another currency, the exchange rate and any conversion fee are set by your provider.
• Cancellations and chargebacks:
  • You may cancel a pending withdrawal if the option is shown in the cashier and the request has not yet been processed.
  • If a deposit is charged back or reversed, we may recover the amount from your balance, void related bets, and suspend the account pending investigation.

Gambling should be enjoyable and within your means. We provide tools and processes to help you manage your betting behaviour and to protect your rights under UK consumer and gambling law.

• Player protection tools:
  • Deposit, loss, and stake limits: set daily, weekly, or monthly caps on spend or bets.
  • Time‑outs: take a short break from all gambling services for periods from 24 hours up to 6 weeks.
  • Self‑exclusion: exclude for a minimum of 6 months or longer. For Great Britain residents, register at GAMSTOP (www.gamstop.co.uk) to block access to participating operators.
  • Reality checks and session reminders: receive on‑screen prompts about time spent or net position.
  • Product or market blocks: request restrictions on certain product types where available.
• Information and support:
  • BeGambleAware: www.begambleaware.org; National Gambling Helpline: 0808 8020 133 (24/7).
  • GamCare: www.gamcare.org.uk; Gordon Moody: www.gordonmoody.org.uk for intensive support.
• Monitoring and interventions:
  • We may review account data for indicators of harm (for example, rapid losses or repeated failed deposits) and may contact you, apply limits, or restrict services to manage risk.
• Under‑18 safeguarding:
  • Underage gambling is illegal. We conduct robust age verification and may provide guidance on device‑level blocking or filtering software.
• Account controls:
  • You can update limits in your account settings. Decreases apply immediately; increases may be subject to a cooling‑off period.

We are committed to preventing money laundering and terrorism financing in line with UK law, including the Proceeds of Crime Act 2002, the Terrorism Act 2000, and the Money Laundering Regulations 2017.

• Know your customer (KYC):
  • Before you can use gambling services, we verify your identity and age. Enhanced due diligence may apply where risk is higher, such as for politically exposed persons (PEPs) or high‑value transactions.
• Transaction monitoring:
  • We monitor deposits, withdrawals, and betting patterns for unusual or suspicious activity, including third‑party payments, rapid cycling of funds, structuring, and misuse of bonuses.
• Sanctions and screening:
  • We screen customers against sanctions and watchlists and assess geographic risk. Where required, we block or restrict accounts.
• Source of funds/wealth:
  • We may request documents such as bank statements, payslips, tax returns, or business accounts to evidence lawful funds. Failure to cooperate can lead to restrictions.
• Consequences of breaches:
  • Hand of Luck may suspend or close accounts, freeze or return funds to the original method, refuse transactions, and file suspicious activity reports with relevant authorities. We are not permitted to inform you if a report is submitted.

We process personal data in accordance with UK GDPR and the Data Protection Act 2018. This section explains what we collect, how we use it, and your rights.

• Data we collect:
  • Identification and contact: name, address, date of birth, email, phone.
  • Verification and compliance: identity documents, age checks, sanctions and PEP screening results.
  • Account and usage: registration details, login logs, device and IP data, cookies, preferences, responsible gambling settings, betting history and event selections, payment metadata.
  • Financial information: limited payment method details required to process deposits and withdrawals.
• How we use your data:
  • To provide and improve services, operate your account, settle bets, and manage customer support.
  • To meet legal obligations, including age verification, AML, and responsible gambling duties.
  • To prevent fraud and ensure platform security.
  • For marketing where you have given consent or where permitted by law. You can opt out at any time.
• Sharing and transfers:
  • We share data with service providers (payments, identity verification, analytics), group companies, regulators, law enforcement, and ADR bodies where lawful.
  • If data is transferred outside the UK, appropriate safeguards are applied, such as the UK International Data Transfer Agreement or Standard Contractual Clauses.
• Retention:
  • We retain data only as long as necessary for the purposes set out here, including minimum periods required by AML and gambling regulations.
• Your rights:
  • Access, rectification, erasure, restriction, portability, and objection to processing or direct marketing.
  • You can withdraw consent at any time without affecting prior processing. You have the right to complain to the Information Commissioner’s Office (www.ico.org.uk).
• Cookies:
  • Cookies and similar technologies support site functionality and analytics. Manage preferences in your browser or in account settings where available.

We apply technical and organisational measures to safeguard your account, data, and transactions. Security controls are reviewed and enhanced on an ongoing basis.

• Technical protections:
  • Transport Layer Security (TLS) encrypts data in transit. Sensitive data is encrypted or hashed at rest.
  • Firewalls, intrusion detection and prevention, rate limiting, and a web application firewall protect services.
  • Regular vulnerability scanning and independent penetration tests are conducted, with timely remediation.
• Account protections:
  • Two‑factor authentication is available for added protection. Strong passwords and unique credentials are recommended.
  • Session timeouts, login alerts, and device checks help detect unauthorised access. Notify us immediately if you suspect compromise.
• Operational safeguards:
  • Role‑based access control, multi‑factor authentication for staff, change control, and audited access logs.
  • Backups and tested incident response procedures support service continuity.
• Your responsibilities:
  • Keep your login details confidential, log out after use, secure your devices, and install updates promptly. You are responsible for activity on your account unless we have failed to apply reasonable security measures.