Terms and Conditions

v. 1-2024 Applies from 2024-03-15 and concerns the use of games via the gaming site klirr.com ("website").

1.1. Myntet Limited (“Myntet”, ”the company”, “we”, “us” or “our”) is a company registered under Maltese law, with registration number C108250 and with registered address at Ewropa Business Centre, Level 3, Suite 701, Dun Karm Street, Birkirkara, Malta.

1.2. Myntet operates under the brand name Klirr (and accordingly, all references to Klirr are references to Myntet). Myntet is also responsible for the operation of the website klirr.com.

1.3. The public and registered users who have questions or for any other reason wish to contact Myntet can call or write to Myntet which has the following contact information:

Phone number: +46 10 551 62 05 email: [email protected]

1.4. These rules and conditions ("general terms") state, together with the privacy policy, cookie policy, and the specific game rules (collectively referred to as "the rules"), the terms that govern the contractual relationship between Myntet and each individual who registers with Myntet Limited and subsequently visits the website as a registered user ("player", "user", "you", "your" or "yours"). You must carefully read and accept the rules before registering a gaming account on the website. If at any time you do not accept the rules, you must not use or continue to use the website. It is also your responsibility to be informed of the applicable game rules at each gaming occasion.

1.5. The coin reserves the right to change the rules if required (i) according to legal and/or regulatory requirements or as a result of changes in legal and/or regulatory requirements; and/or (ii) for commercial reasons or to meet specific business needs; and/or (iii) to act in accordance with specific requirements from suppliers to us. The coin also reserves the right to change specific game rules if necessary.

1.6. If any changes to the rules occur, and the changes are not considered insignificant, you will be notified and provided with a summary of the changes before you gain access to, and use the website for the first time after a change has taken place. You will then be presented with the opportunity to accept the changes. If you do not wish to continue using the website and/or services after a change, you can withdraw all your available funds and close your gaming account by contacting our customer service.

1.7. These rules constitute the complete, final, binding, and exclusive agreement between you and Myntet regarding the use of the website and the services on the website. We recommend that you carefully read through the rules and print a copy for future reference.

2.1. Myntet offers games in Sweden under a license issued by the Swedish Gambling Authority ("Si") and is therefore under Si's supervision. As a license holder, we have the opportunity to provide commercial online gambling for real money ("the games") and associated gaming services to registered users (collectively "the services").

2.2. You can check and verify our possession of the license at any time by visiting the relevant section of Si's website available at: https://www.spelinspektionen.se/licensansokan/bolag-med-spellicens/

3.1. The website allows users to access and play the games. Under no circumstances may a natural person under eighteen (18) years of age register as a user or hold a gaming account. If it comes to our attention, or if we reasonably suspect that a user is under legal age, we reserve the right to request documentation verifying the user's age. We also reserve the right to temporarily block a gaming account until satisfactory proof of the user's age is provided. We also reserve the right to terminate a gaming account and (according to clause 4.6.4 below) not pay out any winnings if a user violates this condition.

3.2. The website is intended only for persons who are resident or have a permanent residence in Sweden.

3.3. We reserve the right to conduct checks, including through the use of third-party systems, to verify your registered address and we reserve the right to temporarily block your gaming account until we have investigated whether you are attempting to use our services without being entitled to do so in accordance with point 3.2 above. We further reserve the right to terminate your gaming account and (according to clause 4.6.4 below) not pay out any winnings if you violate this condition.

3.4. If you are employed by Myntet or otherwise professionally engaged with us, or if you are a close family member of someone employed by Myntet, you may not use the website, either as a user or as a player.

3.5. Provided that you are eligible in accordance with this section, and you continuously comply with the rules as well as applicable laws and regulations, you have the opportunity to access and use the website and services. Use and access to the website is conditional upon you not:

• (i) copies, distributes or modifies any part of the website without obtaining written permission from us;
• (ii) uses, modifies, creates derivative works of, transmits (through sale, resale, licensing, partner licensing, downloading or otherwise), reproduces, distributes, displays or discloses any content on the website, and that you do not - beyond what is expressly permitted herein;
• (iii) disrupts servers or networks connected to the website;
• (iv) uses or initiates any robotic, automated, mechanical, electronic or other device or software to make automated decisions when using the website and the services, or otherwise uses any device or software that enables the use of the website and/or services without human intervention (e.g. bots), makes automated decisions, provides real-time information or coaching, whether such use is directly or indirectly influenced by the user or by third parties (including but not limited to "robots" and "spiders") to access and/or use the website and services;
• (v) uses the website for fraudulent or misleading purposes; and/or
• (vi) attempts to circumvent, disable or otherwise interfere with security-related features on the website or features that prevent or restrict the use or copying of any content or that maintain limitations on the use of the website.

3.6. We reserve the right to conduct checks to verify your compliance with the terms stated above and we also reserve the right to close the user's gaming account and (according to clause 4.6.4 below) not pay out any winnings if you violate clauses 3.4 or 3.5.

3.7. By entering the website, accessing the services, and participating in the games, you are aware and understand that gambling involves a financial risk and that no guarantees are provided by us regarding the outcome or financial gain. You hereby accept that there are factors beyond your control, including but not limited to the use of automation and random number generators, that may affect the games and their outcomes.

4.1.1. To access the website, the services, and to participate in real money games, you must register on the website, open a gaming account ("account") with us, and deposit funds into your account in accordance with section 5 below.

4.1.2. To open an account, you must register with your personal identification number, thereby giving us access to personal information such as full name, date of birth, and permanent residential address. You will also be asked to provide a valid email address and phone number, as well as verify your identity with BankID before you can complete the registration of your account.

4.1.3. By submitting the registration form to open an account with us, you agree to follow the rules, and further certify that:

• a) You meet all eligibility requirements as stated in section 3 above;
• b) You are a natural person acting on your own behalf;
• c) You are not a person who has been declared personally bankrupt or for whom a trustee has been appointed according to Chapter 11, Section 7 of the Parental Code;
• d) You do not have any other limitations on your legal capacity;
• e) You are not acting in the interest of any third party or on behalf of any third party;
• f) You are not using funds derived from criminal activity;
• g) You are not funding your account by using funds from a payment account, payment instrument, and/or payment methods that do not belong to you;
• h) You have not self-excluded from games requiring registration with us or through Spelpaus.se;
• i) Otherwise, Myntet assesses it appropriate to be registered and hold an account.

4.1.4. It is your responsibility to ensure that the information you have provided about yourself is kept up to date continuously, and to contact our customer support if any changes occur (see section 7), or alternatively to replace any outdated information via your account on the website.

4.1.5. In accordance with our customer knowledge policy and as part of fulfilling the requirements set forth by the Act (2017:630) on measures against money laundering and financing of terrorism, we reserve the right to review and verify the information you provided during registration, as well as any information updated in accordance with clause 4.1.4.

4.1.6. In accordance with the requirements set out in the Act (2017:630) on measures against money laundering and financing of terrorism, we may request additional documentation to confirm your identity and the information you have provided, such as a photo ID and/or other relevant information such as income and wealth information. We also reserve the right to temporarily suspend or limit access to your account and its features, such as the ability to make deposits and withdrawals, until we are satisfied with the verification of the information you have provided. For the above reason, and in order for Myntet to protect players against excessive gambling in accordance with its statutory duty of care under the Gambling Act, Myntet also has the right to request documentation that supports the user's funding of the gambling, such as bank statements, pay slips, or similar documentation. Requested information must be provided within the timeframe specified by Myntet to avoid account closure.

4.1.7. Should we become aware of, or reasonably suspect that you have provided us with incorrect information, or if you fail to provide us with documentation for verification that we may request in accordance with clause 4.1.5 above, we may permanently terminate the relationship with you and (according to clause 4.6.4 below) not pay out any profit funds from your account.

4.1.8. To log in to the website, you must authenticate yourself via Mobile BankID, by entering a security code, or with facial recognition or fingerprint, depending on what your computer, mobile phone, or tablet supports and what you prefer (collectively "login credentials").

4.1.9. BankID is a personal e-identification comparable to, for example, your passport. Therefore, you should always handle your BankID securely and you should never give anyone else access to your BankID. We also recommend that you log out after a gaming session and that you do not leave your device (computer, mobile phone, tablet, etc.) unattended while logged in so that you can prevent unauthorized use of your account.

4.1.10. If one or more games are made using your login credentials, they will be considered to have been made by you and will therefore be accepted and deemed valid.

4.1.11. If there is a risk, or if you suspect that you have been subjected to fraud, and your account is being used or is at risk of being used by someone else, you must notify us as soon as reasonably possible by sending an email to our customer support at [email protected]. In such a notification, we reserve the right to temporarily block your account until the matter has been investigated and resolved.

4.2.1. You may only open and have an active account on the website.

4.2.2. We reserve the right to conduct checks to verify that you do not have more than one active account at any time and if we can determine that the same player has multiple active accounts, we reserve the right to (i) immediately terminate all active promotions and forfeit any existing bonus funds and any winnings generated from bonus funds associated with additional accounts; and (ii) permanently close one or more accounts; or (iii) merge any additional accounts into the account that was originally opened and verified.

4.2.3. An account is only intended to be used by the registered player and you must not allow any third party to access or otherwise use your account.

4.2.4. You may not sell, transfer, exchange your account or transfer existing funds to other players, nor may you acquire accounts or funds from other players.

4.2.5. We reserve the right to conduct checks to confirm that an account can only be accessed and used by the registered player and to detect possible cases of third-party use. If we discover or reasonably suspect that your account is being used or accessed by another party, we reserve the right to block your account until we can confirm your identity, and where such identity cannot be established in a satisfactory manner, we reserve the right to close your account and (according to clause 4.6.4 below) not pay out any winnings.

4.2.6. All accounts are opened and traded in Swedish kronor ("SEK").

4.2.7. The funds in the account constitute accounting funds, which means that the Coin keeps these separate in an account with credit institutions or other institutions regulated by applicable legislation for financial services or similar. This means that the user has a right of separation to the funds in the account in the event that the Coin becomes insolvent.

The account does not bear interest. No interest will be paid on any funds, regardless of the amount in your account. The coin is not, and does not purport to provide financial services, and you are encouraged not to treat us as such.

4.3.1. The coin is the party that manages player accounts and calculates available funds, reserved funds, staked funds, and winnings. The coin further administers refunds, payouts of winnings, and charges any fees or penalties to be paid according to these terms of use.

4.3.2. We reserve the right at our sole discretion to refuse to open an account or to close an existing account. When an account is closed, any contractual obligations that have already arisen will be fulfilled, unless your account is closed by us due to you: (i) having violated these general terms or any of the rules; or (ii) having engaged in any unauthorized activities (such as violations of law or other regulations, infringement of third-party rights, fraud, and cheating). Under such circumstances, we reserve the right to block your account pending internal investigation or to close your account and (according to clause 4.6.4 below) not pay out any winnings.

4.3.3. An account is considered inactive if no login/logout or participation in games has been recorded during a continuous period of twelve (12) months.

4.3.4. We will notify you no later than thirty (30) days before your account becomes inactive. If your account is deemed inactive and there is a balance on the account, Myntet reserves the right to charge an administrative monthly fee of 50 SEK.

4.3.5. You can reactivate your inactive account at any time by simply logging in and playing any of our games, or withdrawing your money.

4.3.6. We reserve the right to close all inactive accounts that do not have a balance.

4.4.1. Your account on the website allows you to deposit and withdraw money (see section 5) and to participate in the games, to edit certain personal details, including your contact settings, to access your gaming history, and to manage your responsible gaming settings.

4.4.2. You can log into your account at any time and view a statement showing all transactions made on the account, in the form of deposits, bonuses, winnings, bets, and withdrawals. If you discover any mistakes, you should immediately notify our customer support (see section 7 below) so that the mistake can be rectified. You should report such a mistake within 90 days from when the error first appeared on the statement of your account.

4.5.1. In the event that you violate any of these terms, we reserve the right to temporarily block or permanently close your account, deny access to all or some of our services, refuse to accept bets or transactions, and withdraw promotional offers pending investigation and/or conclusion of legal proceedings. Any positive balance that exists in your account pending investigation and/or after the conclusion of a legal proceeding may be used to cover any damages or amounts that you owe or become liable to us.

4.6.1. Your account may be closed either by us or by yourself. Closing your account means termination of these general terms and thus your relationship with us.

4.6.2. You can close your account at any time by logging in and using your account settings or by contacting our customer support.

4.6.3. The account that is deactivated by you can be reactivated at any time unless the deactivation was done through self-deactivation according to clauses 6.6-6.8.

4.6.4. When your account is terminated, we will promptly (within five banking days) pay out the balance on the account to you. However, we will only refund what remains of the deposits you have made if the account is terminated due to

• You have provided incorrect information about yourself, or at our request have not submitted documentation that supports the information provided at registration, or
• You have been banned from gaming due to misconduct, which includes violations of the rules.

The credit will be promptly paid out to you provided that the funds can be transferred through the same payment method that they were originally deposited from. If this cannot be carried out, the Coin may handle the withdrawal request in another way. However, this assumes that you provide us with information we may request, and that we have been able to satisfactorily verify the information you have provided us.

4.6.5. If I fall with accounts that are closed but have unfinished games, the unfinished games will not be canceled and it is your responsibility to contact our customer support to arrange the transfer to your bank account of any winnings arising from the outcome of such unfinished games when they have been resolved.

4.6.6. If the Coin at the time of account closure lacks valid contact information, and thus fails to contact the user, any balance on the account will be forfeited to the Coin twelve (12) months after the account has been closed.

4.6.7. If Myntet at the time of account closure lacks valid contact information, and there is less than 200 SEK remaining in the account, the balance will be transferred to Myntet in connection with the account closure.

5.1.1. Once you have registered on the website, you must deposit funds into your account to start playing. The payment methods offered to you may vary over time, but under no circumstances will Myntet offer or extend credit for bets in games, or accept cash.

5.1.2. You can find complete information about available payment methods on the withdrawal and deposit page of your account. Deposits of funds into your account are only accepted if made via payment accounts, payment instruments, and/or payment services that are valid and legally belong to you. The use of payment accounts, payment instruments, and/or payment services in the name of third parties, including legal entities, is prohibited, regardless of whether such use has been approved by the relevant third party.

5.1.3. We reserve the right to conduct checks to establish ownership of the payment methods and the means you use to fund your account, and for this purpose, we may for example request account statements, copies of cards, or screenshots from your bank and payment accounts. We reserve the right to block your account until we have been able to establish the ownership of the payment method, and we further reserve the right to close your account and (according to clause 4.6.4 above) not pay out any winnings if you do not provide us with the requested documentation.

5.1.4. Depending on which payment method you choose to deposit funds into your account, there may be minimum deposit requirements. Minimum deposit information will be available in the Payments section of your account when you wish to make a deposit.

5.1.5. We reserve the right to impose additional conditions for deposits through specific payment methods and from time to time we may change the available payment methods without notifying this. We do not guarantee that all payment methods are always available. We recommend that you regularly check the withdrawal and deposit page on your account for complete updated information.

5.1.6. Bank transfers will be credited to your account as soon as they are shown as confirmed funds in the specified bank accounts; card and e-wallet deposits are automated: when your deposit transaction has been approved by your payment provider, your account will be credited and your balance will be updated immediately.

5.1.7. It is your responsibility to provide complete, valid, and up-to-date payment information. If a deposit is rejected or otherwise not received by us or a fee is charged by the relevant payment service provider, you agree to immediately reimburse us for the payment of such fee and we reserve the right to offset such amount from your existing balance.

5.1.8. To ensure that your funds are sufficiently protected in the event of our insolvency or financial distress, we separate all players' funds from our own assets and hold players' deposits in a dedicated, separate account at a credit institution or other institution regulated by applicable financial services legislation or similar. By accepting these general terms and conditions, you agree to the protection for your funds offered above.

5.1.9. Deposits made to your account should be proportional to your gambling. We reserve the right to conduct checks to determine compliance between funding and gambling and to prevent any potential abuse as well as to our satisfaction verify unused funds in your account.

5.1.10. We will not accept deposits of any funds that we have reason to suspect have been obtained illegally. By depositing funds into your account, you guarantee that you will not use funds derived from any criminal activity or enterprise.

5.1.11. We reserve the right to conduct checks on all transactions to prevent money laundering, financing of terrorism, and economic crime, and we further reserve the right to request documentation that substantiates the origin of the funds used in all transactions and to block your account until we are satisfied with the evidence we have received.

5.1.12. Suspected activity on an account may lead to the player being reported to the relevant authorities, account closure, and forfeiture of funds.

5.1.13. If you reasonably claim that you have been incorrectly charged an amount by us, you can notify our customer support and request a refund. We need to receive information about the disputed transaction, including relevant dates, payment information, and a brief explanation of why the amount is disputed.

5.2.1. You can decide at any time to withdraw part or all of the funds from your account by choosing from the various available options on the withdrawal and deposit page of your account. The default withdrawal method selected by the system will be the same as that used to deposit funds.

5.2.2. If you request a withdrawal of deposited funds that you have not wagered in any of the available games, we reserve the right to obtain information from you as part of our efforts to meet the requirements set forth by the law (2017:630) on measures against money laundering and the financing of terrorism.

5.2.3. Depending on which method you choose to withdraw your funds, there may be minimum withdrawal requirements. Information about the minimum withdrawal will be available in the section on the withdrawal and deposit page on your account when you wish to request a withdrawal of your balance.

5.2.4. We reserve the right to impose additional conditions for withdrawals through specific methods and from time to time we may change the available withdrawal methods without notifying this. We do not guarantee that all methods are always available. We recommend that you regularly check the section on the withdrawal and deposit page on your account for complete updated information.

5.2.5. Regardless of which payment method has been chosen, the maximum amount that can be withdrawn:

• 50,000.00 SEK per transaction and day
• 150,000.00 SEK per week
• 250,000.00 SEK per month

5.2.6. Regardless of such limitations and in the event of large winnings, such as a jackpot win, we may offer you a lump sum that is higher than the maximum withdrawal amounts stated in clause 5.2.5.

5.2.7. Depending on the withdrawal amount, your withdrawal request is processed either immediately and automatically, or when approval is given from the relevant department. Once a withdrawal has been approved, the funds will be transferred immediately through the payment method used for the deposit or, if this is not possible, through manual handling.