Terms & Conditions

General Terms and Conditions

Operator: the Operator (ABN to be confirmed)

Status: Public document

1. Summary
2. Definitions
3. General
4. Authorisation to Access and Use Our Betting Platforms
5. Account Verification
6. Account Deposits and Withdrawals
7. Restricted Jurisdictions
8. Fraud
9. Disputes
10. Our Reserved Rights
11. Assignment
12. Responsible Gambling
13. Collection of Personal Information
14. Intellectual Property Rights
15. Third Party Associations
16. IT Failures

1. Summary

1.1. You agree to be bound by these Terms and Conditions whenever you:

a) register for or open an Account with upc0z; and/or
b) place a wager with us (including taking part in any Showdown bet type).

1.2. Every time you sign in to your Account, use it, or place a wager with us (including entering a Showdown), you form a separate contract with us.

1.3. You are responsible for reading these Terms and Conditions and making sure you understand them.

1.4. By continuing to use our Platforms, you confirm that you accept these Terms and Conditions.

1.5. If you do not agree with these Terms and Conditions, you must not use our Platforms, and you must not apply for or open an Account with us.

1.6. We may revise these Terms and Conditions and our Privacy Policy at any time. You are responsible for checking that you still agree with the current version. If you no longer agree with a change, your remedy is to close your Account.

1.7. These Terms and Conditions, together with the material published on our Platforms, form the whole of the agreement between you and us.

1.8. These Terms and Conditions are governed by and interpreted under the laws of New South Wales. Both you and we submit to the exclusive jurisdiction of the courts of New South Wales for any dispute or matter that arises out of them.

1.9. We hold and operate under a wagering licence issued by Liquor & Gaming NSW (licence reference 4597/2024/WB) and are subject to the supervision of the applicable New South Wales gambling regulators.

1.10. We provide two categories of Account:

a) a Betting Account, which is linked to a Betting Account Wallet; and
b) a Showdown Account, which is linked to a Showdown Account Wallet.

1.11. When you register one type of Account you are simultaneously registered for the other:

a) opening a Betting Account also enrols you for a Showdown Account (wallet activation may be required) and for direct marketing about our Showdown product; and
b) opening a Showdown Account also enrols you for a Betting Account (wallet activation may be required) and for direct marketing about our other wagering products.

2. Definitions

In these Terms and Conditions, "we", "us" and "our" mean the Operator (ABN to be confirmed). Unless the context indicates otherwise, the following words have the meanings set out below.

Access Details — the unique user identifier and password issued to you when your Account is created.
Account — a wagering account opened for you at your request, being either a Betting Account or a Showdown Account.
Account holder — a person who holds an Account with us, also referred to as "you", "your", "member" or "player".
Apps — our iOS, Android and other mobile or device applications through which you can place wagers, including entering a Showdown.
Best Tote — the best of the three relevant Australian TAB win tote prices.
Best of the Best (BOB) — a price promotion offered on selected Saturday metropolitan thoroughbred meetings, as advertised on our Platforms. Unless we state otherwise, BOB wagers (a) are accepted only up to 30 minutes before the scheduled start; and (b) are subject to a maximum payout limit set by us.
Betting Account — the Account used to place racing and sport wagers with us (other than the Showdown bet type) under our Betting Rules and these Terms and Conditions. It is separate from a Showdown Account.
Betting Account Wallet — the wallet attached to your Betting Account, separate from any Showdown Account Wallet.
Betting Activity — placing a wager, making a deposit into your Account, or withdrawing eligible funds from your Account.
Cash Out — a feature that lets you ask for a return on an open wager before the relevant market or markets are settled.
Claims — all claims, losses, liabilities, damages, costs and expenses, including legal costs.
Client — an Account holder with us.
Dead Heat — where two or more runners or competitors are officially declared to have finished equal, whether as winners or placegetters in the same event.
Device — any hardware you use to access or operate your Account or our Platforms, such as a mobile or smart phone, telephone, tablet, laptop or desktop computer.
Dispute — any disagreement or matter between an Account holder and us that arises from these Terms and Conditions or relates to the products or services we supply.
IP Address — an Internet Protocol address.
Jurisdiction — the place where you live or from which you access our Platforms, as the context requires.
Person — an individual, the estate of an individual, a body corporate, an authority, an incorporated or unincorporated association or joint venture, a partnership, or a trust.
Platforms — our Apps and Websites collectively.
Promotional Bonuses — bonuses granted under bonus promotions we offer.
Showdown — our bet type that you can enter on the parts of our Platforms that offer it, governed by our Showdown Rules and these Terms and Conditions.
Showdown Account — the Account used to enter the Showdown bet type, separate from a Betting Account.
Showdown Account Wallet — the wallet attached to your Showdown Account, separate from any Betting Account Wallet.
Terms and Conditions — these General Terms and Conditions together with our Betting Rules, our Showdown Rules and any other document referred to in them, each as amended over time.
Websites — our websites through which you place wagers, including entering a Showdown.

Interpretation. In these Terms and Conditions: (a) headings are for ease of navigation only and do not affect meaning; (b) words in the singular include the plural and vice versa; (c) words denoting one gender include every gender; (d) a reference to legislation includes that legislation as amended, re-enacted or replaced; and (e) unless otherwise stated, all amounts are in Australian currency.

3. General

3.1. You are responsible for keeping yourself informed of any changes to these Terms and Conditions published on our Platforms. By opening an Account, you are treated as having read, understood and agreed to be bound by these Terms and Conditions and our Privacy Policy.

3.2. You must be at least 18 years of age. Proof of age is compulsory.

3.3. If we establish that an Account holder was under 18 at the time a wager was placed, we may decline to pay any winnings that would otherwise have been due on that wager.

3.4. You acknowledge that wagering through our Platforms carries a risk of financial loss and you accept full responsibility for any losses you incur. Use of your Account is entirely at your own discretion and risk, and you may close your Account at any time.

3.5. You must keep all of your Account information current, including your email address, postal address, contact numbers and payment details (including card expiry dates). If your details are not kept up to date, we may suspend your Account.

3.6. We may ask you to provide proof of your Account details so that we can confirm they are current and accurate.

3.7. We may verify a debit card you wish to use by applying a small authorisation charge and asking you to confirm the exact amount in line with our instructions. We will not process withdrawals until you have correctly confirmed that amount.

3.8. You agree that we may use your contact details to keep you informed about our products, promotions and related events.

3.9. You acknowledge that there may be situations where the law requires us to provide your personal information to other organisations.

3.10. Your Account is strictly for your own personal use. No other person may access or use it. Any wager placed through our Platforms using your Access Details will be treated as a valid wager and cannot be amended, cancelled or reversed.

3.11. Once we have confirmed a wager, you cannot change, cancel or modify it.

3.12. If we become aware that a wager was placed in error, we may void it only at our management's discretion, and only before the relevant event has started.

3.13. If you suspect at any time that your Access Details are no longer confidential, you must tell us immediately. We may treat as invalid any transaction made using the compromised Access Details.

3.14. If another person uses your Access Details to access your Account, you remain solely responsible and liable for all wagers placed and all transactions made, including withdrawals, whether or not you authorised them.

3.15. You must at all times ensure that you:

a) are the named Account holder and the only person who uses or operates the Account;
b) keep your details accurate and current and notify us of any changes;
c) hold no more than one (1) Account with us;
d) do not give us any information that is inaccurate or out of date;
e) are not associated with any beneficial Account owner other than the named Account holder;
f) are not acting as an agent for any other person or entity;
g) do not borrow or otherwise receive money from a third party in connection with any wager or your Account;
h) do not repay or otherwise pay money to a third party in connection with any wager or your Account;
i) do not work for or have involvement with a bookmaker, unless we have expressly approved it; and
j) do not use your Account in connection with any breach of the law, including any criminal law or statute.

3.16. You accept responsibility for any wager or transaction carried out on your Account where access is obtained because:

a) software on your Device stores or remembers all or part of your Access Details;
b) you have chosen an option to remember your Access Details on our Website; or
c) you remain logged in to our Website and have not manually logged out.

3.17. You may not hold more than one Account with us at any time.

3.18. If we suspect that you hold more than one Account, this is a breach of these Terms and Conditions. We may suspend every Account you hold, void any wagers and withhold any winnings.

3.19. You may close your Account at any time.

3.20. You are expected to use your Account for Betting Activity. If your Account records no Betting Activity for the period stated in our schedule of fees, we may classify it as "Inactive", notify you, and begin charging an Inactive Account Fee until the Account becomes active again or its balance reaches zero.

3.21. We may close an Inactive Account whose balance has remained at zero for six consecutive months.

3.22. By opening an Account, you consent to dealing and communicating with us electronically.

3.23. If our systems malfunction, any wager not yet placed, or still being placed, is void. To decide whether a wager was placed, both parties will rely on our audit log as the definitive record.

3.24. Although we take all reasonable care in compiling and publishing information, we accept no responsibility for errors.

3.25. All wagers with us are made and received in New South Wales, Australia.

3.26. We are under no obligation to accept any wager. Before acceptance, we may decline, refuse or limit any wager (or part of a wager), without giving a reason and without prior notice.

4. Authorisation to Access and Use Our Betting Platforms

4.1. We may withdraw, suspend or change any part of our Platforms, including their features, at any time and without notice.

4.2. We may suspend access to our Platforms and accept no liability if they are unavailable for any reason.

4.3. We may change the content of our Platforms at any time, provided the change does not affect wagers already placed or events already started before the change.

4.4. You must not reproduce our Platforms, or any part of them, without our prior written consent.

4.5. Our Platforms are for your personal use only. You must not use them for any purpose that is defamatory, abusive, obscene, unlawful, racist, sexist, discriminatory or otherwise offensive, including by choosing an offensive or inappropriate username or security answer.

4.6. We are not responsible for any costs you incur in accessing our Platforms, including charges from internet or telecommunications providers or the cost of any equipment you use.

4.7. We do not guarantee that our Platforms will be compatible with, or operate on, any particular hardware or software you choose.

5. Account Verification

5.1. You must provide adequate identification establishing your name, age and current residential address, in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

5.2. We use an online identity verification provider to verify your identity. If electronic verification is unsuccessful, we may require you to supply 100 points of clear and legible identification. We may, at our discretion, request further documents.

5.3. Identity verification at the time of opening an Account is a legal requirement.

5.4. If we cannot verify your identity at registration, your Account will be suspended until we receive sufficient identification. While suspended, you cannot deposit, place wagers or withdraw funds. Any funds deposited or wagers placed before suspension may be voided under these Terms and Conditions.

5.5. The following is a guide to the points value of common identity documents (only one primary document may be used):

70 points — Passport, birth certificate or citizenship certificate (one only from this category).
40 points — A document showing your name, photograph and signature, such as a driver's licence.
35 points — Public service or social security identification card.
25 points — Tertiary student identification card.
Additional documents may be used to verify your name and address, such as records from a current or recent employer, mortgage or land or council rate notices, land title records, the electoral roll, public utility records, trade or professional membership records, educational records, or a Medicare or payment card bearing your name.

5.6. We may close your Account if you are abusive or threatening toward our staff.

5.7. If we reasonably believe you have breached these Terms and Conditions or any relevant law, we may take one or more of the following steps:

a) suspend or close your Account;
b) restrict you from withdrawing funds;
c) prevent you from accessing your Account and our Website;
d) require you to complete an Account reactivation process; and
e) require you to provide any further information we consider necessary to confirm compliance.

6. Account Deposits and Withdrawals

6.1. You may deposit into your Account using the methods we make available, such as Visa, Mastercard, Apple Pay, Google Pay, PayID, bank transfer or other supported options. We may remove or restrict payment methods for Account holders residing outside Australia.

6.2. We may require that the value of any deposit be turned over through wagering before we authorise a withdrawal request.

6.3. If we suspect that funds are being deposited and withdrawn without genuine wagering, we may suspend your Account to investigate whether these Terms and Conditions or any law have been breached.

6.4. You are responsible for any fees your own financial institution charges for deposits to, or withdrawals from, your Account.

6.5. We may pass on to you any transaction fees we incur on your Account, together with an administration fee reflecting our staffing and other costs. This includes withdrawals to a bank account outside Australia.

6.6. We credit your Account for a direct deposit only once we actually receive the funds. We do not treat copies of receipts as proof of payment.

6.7. You must have satisfactorily completed identity verification before any withdrawal will be processed.

6.8. The bank account you nominate for withdrawals must be in the same name as your Account. We may ask you to provide a bank statement to confirm this.

6.9. We may refuse any withdrawal to a third party account and may suspend an Account without notice if a transfer breaches these Terms and Conditions or any law.

6.10. If we credit your nominated bank account in error, you must tell us promptly and return those funds without delay.

6.11. We may decline and refund any payment without giving a reason.

6.12. You acknowledge that when you deposit by card, bank transfer, PayID or any other method, you are funding the balance of your online wagering Account with us.

6.13. If funds reach your Account from a debit card that is not yours, we may suspend your Account and request further information to confirm you were authorised to use that card. Your Account may remain suspended until that information is provided.

6.14. We may void all wagers and decline to pay any winnings that would otherwise have been due if we find that a deposit into your Account came from a bank account that is not in your name.

6.15. In that case, we may instead refund the deposit to its original source and are not obliged to compensate you for any resulting loss.

6.16. We may make a deposit-related offer available to eligible existing Account holders in line with applicable advertising and inducement rules. Any such offer is subject to its published terms.

6.17. We may withdraw any bonus or offer in line with the licensing requirements of the relevant state or territory, which is determined by your registered home address when the offer is made.

6.18. The minimum withdrawal from a Betting Account is the amount shown in your account. A separate minimum applies to withdrawals from a Showdown Account.

6.19. You are responsible for providing and maintaining accurate bank details throughout the life of your Account. We are not responsible for funds lost because you supplied incorrect bank details.

6.20. Withdrawals from a Showdown Account are processed within three business days of your withdrawal request.

7. Restricted Jurisdictions

7.1. We may open Accounts for, and accept wagers from, residents of Australia and New Zealand only.

7.2. You may access and use our Platforms only where it is lawful for you to do so in the place where you are physically located. It is your responsibility to determine whether such access is legal.

7.3. We may require you to confirm your place of residence or your current location at any time.

7.4. In any jurisdiction where our products and services are unlawful, the availability of our Platforms does not amount to an offer, solicitation or invitation by us, and we are not liable for any breach of law that may arise if you:

a) open an Account;
b) access our Platforms;
c) use our Platforms; or
d) place a wager with us.

7.5. You bear all costs arising from depositing, wagering or withdrawing funds, including bank fees and charges and any foreign exchange rates or charges applied to international transactions.

7.6. If you open an Account or place a wager while physically located in a place where doing so is unlawful, we may void any wagers, close your Account, and you forfeit any winnings.

8. Fraud

8.1. We may withhold deposited funds and/or winnings where we believe a deposit has been misused or made fraudulently. We will report any fraudulent or improper use of a deposit to the relevant authorities and may permanently close your Account.

8.2. We may close Accounts and void any or all wagers placed by any person, group or company that attempts to defraud us, or where in our reasonable view the Account has not been operated with integrity or a wager was not made in good faith.

8.3. In such cases, Accounts may be closed or suspended without notice. We may also monitor your Account and wagering activity where we suspect possible fraud.

8.4. On reasonable suspicion, we may void any or all wagers placed by:

a) an individual;
b) a group of people acting together; or
c) a group acting on behalf of another individual or group,

where the aim is to gain a financial advantage by manipulating tote dividends or official starting prices. This includes related persons, organisations, bookmakers and their employees.

8.5. Where we suspect any form of pool manipulation, we may cap the total payout to a single Account holder across all bet types on a given event in full and final settlement of all wagers on that event.

8.6. We may notify the relevant authorities if we reasonably suspect you are involved in fraudulent, dishonest or criminal conduct. Where money is owed to us, we may disclose relevant information to credit reporting bodies.

8.7. We may withhold payment and void all wagers on an event if we reasonably believe the event has been rigged.

8.8. Where we suspect you have breached these Terms and Conditions, we may suspend your Account and investigate. At our request, you agree to provide any reasonable information we ask for, such as a statutory declaration witnessed by a Justice of the Peace, Commissioner for Declarations or legal practitioner, properly certified identity documents and certified bank or payment statements, within the timeframe and in the manner we specify. If you do not comply, we may, at our discretion, conclude our investigation and/or draw an adverse inference from your non-compliance.

8.9. Where we have reasonable grounds to conclude you have breached these Terms and Conditions, you agree that we may (acting reasonably and at our discretion) void pending or settled wagers, void unused bonuses and offers, withhold deposits, claw back withdrawals and/or block your Account; that you are liable for any financial loss we suffer because of your breach; that you indemnify us against any such loss; and that we may deduct any such loss or expense from your Betting Account. If a deduction creates a negative Account balance, the shortfall is a debt due and immediately payable to us. If our investigation concludes that you did not breach these Terms and Conditions, we will not deduct any fee, loss or expense.

9. Disputes

9.1. We record telephone calls between you and us when you place a wager, make a complaint or ask about your Account. You consent to these recordings being made.

9.2. You should raise any complaint or dispute with us directly in the first instance by emailing our support email (see Contact Us) or calling our support line (see Contact Us).

9.3. If a dispute cannot be resolved between you and us, you agree that telephone recordings and/or records of your online transactions may be provided to whoever adjudicates the dispute so it can be decided under these Terms and Conditions. We retain voice recordings securely in line with our privacy obligations and for regulatory purposes.

9.4. These Terms and Conditions are governed by the laws applicable to our licence and to New South Wales, and you irrevocably submit to the exclusive jurisdiction of the courts of New South Wales for any dispute or matter arising from them.

9.5. If your complaint is not resolved to your satisfaction, you may escalate it to Liquor & Gaming NSW. Where the complaint concerns a wager, the wager will be adjusted in accordance with the regulator's decision, which is final and binding on both parties.

10. Our Reserved Rights

10.1. If any price, market or bet type shown on our Platforms is clearly or obviously wrong (whether due to human error or a computer or technical fault), we may void any wagers placed at the incorrect price. Where possible, we will try to notify affected Account holders by email and/or telephone.

10.2. We have taken considerable care to operate our wagering business fairly, promptly and accurately. To the fullest extent permitted by law, we exclude all express and implied warranties relating to our wagering business and accept no liability for any direct, indirect or consequential loss, damage, expense or injury suffered by an Account holder. Any such claim is limited to the amount of the specific wager you placed.

10.3. We may, at our sole discretion, block access where our monitoring of traffic to and from our Platforms suggests automated or robotic activity.

10.4. Where a situation arises that these Terms and Conditions do not address, we may decide the matter at our sole and absolute discretion, and that decision is final and binding.

10.5. Where a wager is accepted and/or settled through our Platforms and any part of it is affected by these rules (including a maximum payout), we may resettle it under the relevant rule. This may include removing or reducing winnings, debiting winnings from your Account balance and/or voiding the wager. If this puts your Account into a negative balance, you agree to repay the shortfall as a debt that is immediately due and payable to us.

10.6. You must not hold, operate, access or use an Account with us through any automated, systematic, artificial, obscured or computerised method, including a VPN, proxy server, data extraction or scraping tool. We may, at our sole discretion, void any or all wagers made in breach of this clause.

10.7. We do not permit more than one Betting Account from the same physical address and/or IP address. We may void any or all wagers made in breach of it and/or close the relevant Accounts.

10.8. If your Account is closed for any reason and its balance is below a small threshold set by us, we may, at our discretion, apply an administration fee equal to the remaining balance.

11. Assignment

11.1. You may not assign, transfer, charge or otherwise deal with your rights or obligations under these Terms and Conditions without our prior written consent. We may, however, assign, transfer, charge or otherwise deal with our rights under these Terms and Conditions whenever we consider it necessary.

12. Responsible Gambling

12.1. You are responsible for setting and managing your own self-determined spending limits in the relevant section of your Account on our Platforms.

12.2. We will take reasonable steps to prevent people who have been excluded under our Responsible Gambling Policy from returning to and using our services. If you wish to self-exclude, further detail is set out in our Responsible Gambling Policy.

12.3. We encourage you to use BetStop, the National Self-Exclusion Register, which is a free service allowing you to exclude yourself from all Australian online wagering providers. You can find out more at www.betstop.gov.au or by calling 1800 238 786. For general responsible gambling information and support, call 1800 858 858 or visit www.gamblinghelponline.org.au.

12.4. If your Betting Account is excluded with us (including via BetStop), you must not try to open another Betting Account or place any wagers. Excluding your Betting Account does not automatically exclude your Showdown Account; you must request exclusion of your Showdown Account separately if you wish it to apply.

12.5. We unconditionally reserve the right to restrict, suspend or close an Account for any reason without prior notice.

13. Collection of Personal Information

13.1. We may disclose the personal information we collect (when you open an Account, place a wager and use our Platforms) to recipients including, but not limited to: our related bodies corporate; professional advisers; service providers; payment service providers; identity verification providers; government agencies; police; a regulatory, racing or sporting body; a court, where required; banks, to confirm compliance; customer analytics providers; contractors; and other organisations engaged to help us deliver our services.

13.2. Our Privacy Policy explains how we handle your personal information in accordance with the Privacy Act 1988 (Cth). Privacy enquiries may be directed to our Privacy Officer (see Contact Us), and our registered address is 101 Sheridan Street, CAIRNS QLD 4870.

13.3. We may use tracking technologies to monitor compliance with these Terms and Conditions. Telephone calls and your live chat history may also be recorded and stored.

14. Intellectual Property Rights

14.1. All intellectual property rights in our Platforms remain vested in us and our licensors at all times.

15. Third Party Associations

15.1. We accept no responsibility for the content of third party resources or websites that are linked from our Platforms, or for any liability arising from your use of them.

15.2. You must not link to our Websites or Platforms without our prior written consent.

16. IT Failures

16.1. We accept no responsibility where you are unable to place a wager, or to have a wager accepted, because of an IT failure, whether or not that failure was within our control.