Laws and Regulations
Account Policies Registration Policy Account Disable/ Termination Inactive/ Dormant Accounts Account Disputes Banking Refund Protection of Consumer Funds Marketing Bonus and Bonus winnings Policy Promotions Withdrawal Rules Game Rules Other Rules & Regulations Interruption of service/ Time Critical Events Force Majeure & other events outside CGML’s control Player Protections Player Responsibility Player Support Terms and Amendments Glossary
Laws and Regulations
Summit Casino is operated by Cozy Games Management Limited (CGML).
The registered office of Cozy Games Management Limited is at 2nd Floor St Mary’s Court, 20 Hill Street, Douglas, Isle of Man IM1 1EU.
Cozy Games Management Limited is licensed and regulated by the Gambling Commission (Number: 038719-R-319347-009) for players in Great Britain, licensed and regulated by the Isle of Man Gambling Commission (company number 006666V) for all other players.
The prevailing language in case of interpretation will be English. Reference to "you", "your", “Player”, “User” or the "customer" is reference to any person using the Website or the services of Cozy Games Management Limited.
References in the Terms to the "company", “Management”, “we", "our", or "us" will relate to the relevant operating and licensed members of the Cozy Games Management Limited and (where relevant) other members of Cozy Games Management Limited in respect of your use of the Service. The term ‘Management’, ‘Cozy Games Management Ltd.’, ‘Cozy Games’, ‘CGML’ are synonymous.
1. Minimum Age
All applicants must be over 18 years of age and of legal capacity to place a bet/wager or register with CGML.The detailed age verification process in mentioned below. Strict checks are implemented at various levels to verity that a player qualifies the minimum required age of 18 years to register and play on this site.
A. Registration phase:
The below mentioned data needs to be provided in the registration form to create an account. A player warrants and CGML is entitled to verify that:
1.Player has provided their accurate name;
2.Player has provided their accurate address,
3.Player has provided their accurate date of birth,
4.Player has provided accurate other details in the registration form such as email, gender, telephone number;
5.Player is not party to a current self-exclusion agreement with CGML;
Affirmation of Age
B. Website terms and conditions
1.Any incorrect data provided during registration process or any other stage will result in immediate closure of account and ALL bets will be annulled.
2.You are reminded that it may be a criminal offence for You to participate in gambling if You are under 18 years of age ("Underage") or under the age at which gambling or gaming activities are legal under the law or jurisdiction that applies to You
3.CGML is entitled to verify a player’s age during registration and at any other point.
4.As part of this verification process, CGML may request several supporting documents for Age and address verification.
5.Any account that fails to get verified within 72 hours will be frozen.
6.If during age verification the player is shown to be underage, then CGML will return the player any money deposited with respect of the use of the gambling facilities. No cash balance over & above the deposited amount will be paid to player in such case & same will be forfeited.
C. Deposit phase
During the deposit phase, our 'payment gateway' provider also verify several aspects such as
1.Age for 18+
2.Player geographical location
3.7995 coding so issuing banks may identify and reject the payment based their gambling policy
D. Know your Client
A 'Know Your Client' procedure will be carried out on all real money players. As part of Money Laundering requirements, players may be subject to Proof of Identity checks. In accordance with the Online Gambling Regulation Act 2001, no payments shall be made unless the player's identity, age, deposit method and place of residence have been verified. We will request you to provide documentation to verify identity, age & address before processing your withdrawal.
Withdrawals would not be processed unless CGML has the documentation, including a photo id on file. Any player who does not submit satisfactory documents will have his/her account frozen, pending verification.
Documents acceptable for account verification are:
a.Photo ID: A copy of a Passport/ Driving License/ Citizenship Card/ Electoral Card/ National ID card. Please ensure that your name, expiry date, date of birth, and photograph are visible on the documents.
b.Proof of address: Utility bill or header of recent bank or credit card statement (Not older than 3 months). Address proof is required to make sure the funds reach the legitimate person and the recipient resides at the address mentioned in the profile.
Please note that we may decide to carry out further verification checks (including requesting extra documents or information) to confirm, without limitation, your identity, age and address or payment method details at any time. This is to satisfy our licence obligations, routine security checks and to safeguard the integrity of your account. Post receipt & verification of required documents, account will be released for regular game play & withdrawals will be processed as per withdrawal rules.
E. Third party verification partner
CGML uses GB group Plc for address and age verification.
F. Enabling of filters to restrict site access
CGML websites contains sitemaps, Metatags and keywords related to gambling such as gambling, slots etc, to enable filtering software to recognize CGML sites as gambling website in order to restrict access to relevant pages of the sites.
The services for each user are restricted to only one player per household, irrespective of the number of computers booked under that address. The identifying parameters of a user include any one or more of the following: name, mailing address, e-mail address, computer, IP address, credit card or charge card number as well as any other details needed by the CGML or any of its white label partners. Those with already have registered accounts, currently or in the past, with CGML or any of its white label partners, shall not create another account, except if CGML chooses to do so.
CGML reserves the right to decline the acceptance of an account registration at any time at its sole discretion. If an account is closed at CGML discretion, all deposits made by the player will be refunded to the account holder as part of CGML's obligations under the Gaming Supervision Commission's directives. No cash balance over & above the deposited amount will be paid to player in such case & same will be forfeited.
Players using false or misleading information during registration or creating multiple accounts will have their accounts closed and all winnings will be forfeited. Such players will themselves be liable for all loses in terms of deposits.
CGML does not accept liability for any breach by prohibited players of the applicable laws of their state or country of residence. Players are responsible for adhering to the laws of their lands and abide by them. In case a player is found to be indulged in illegal gaming, CGML reserves the right to annul the wagering and winnings, related to the player.
Players are prohibited to access the website/s from countries which come under restricted access (legally or commercially).
The list of countries that have legal access to our gaming sites and from which business is accepted is available during account opening and can be confirmed through our Customer Support team . The list of countries with whom we engage in business can be amended or edited based on Gaming Regulation from time to time. Players are advised to regularly check the updated list to ensure that they do not access our services from a restricted geo-location.
Transfer of Accounts and Funds
Any act of selling, transferring and/or acquiring accounts to and from other players, is strictly prohibited by CGML. Players are also prohibited from transferring funds to and among player accounts.
Account Disable/ Termination
At any point in time, if CGML comes to know/suspects or is informed of any of the below mentioned violations; CGMLreserves the right to terminate a player’s account, withhold the amount present in the account or annul any winnings.
a. A player provides incorrect or misleading information during registration deliberately
b. A player holds more than one active account with the site in his/her name
c. There is complete mismatch between the name mentioned in a player’s account & the name on the credit card(s) used to make deposits in the account
d. An unauthorized person is allowed; by the player (intentionally or unintentionally) to play through his/her registered account
e. A player has opted for self-exclusion on any website operated by the CGML.
f. Against any of his/her deposits, a player has raised a "charged back"
g. A Player has employed or made use of a system (including machines, robots, computers, software or any other automated system) designed to defeat or capable of defeating the Software
h. A player indulges in abuse of any promotional offers, special schemes or bonuses
i. A player abuses game related schemes/ programs in order to reap the maximum from a game-play
k. An account or groups of accounts are synchronized to function systematically – for example using unique wagering techniques or wagering in groups or in a specific pattern
l. Any account, operated by CGML, is not being used for the purpose of playing on our websites
m. A suspicion & subsequent evidence reflects that a member is abusing any of our bonuses and promotions in any way.
n. If a player is found to be abusing/taking undue advantage of our free spins and free games.
o. A player is directly/indirectly involved in Money Laundering (including aid to terrorist funding)
p. If a player is involved/supporting/directly or indirectly associated with any criminal activity or activities prohibited by the law
q. A player declares bankruptcy or is facing any such proceedings against him/her in any geographical territory
r. Players’ account is under investigation for any of the aforementioned or other reasons.
In case of the aforementioned cases, CGML has the right to inform the applicable legal authorities or external parties (this includes other gambling operators) and provide the relevant Player informationin accordance with the Isle of Man Data Protection Act 2002.
Account Closure or Self Exclusion
In the event of Account Closure or Self exclusion, initiated by the player or by CGML, the real money balance in the account would be paid to the player, either:
• Directly through a withdrawal, as per the eligible withdrawal terms
• Or, through a refund of the deposits made on the site, by deducting any previous withdrawal amounts.
Inactive/ Dormant Accounts
The accounts which do not see players transact (deposit/wager) for 30 days or more will be termed as ‘inactive’. If a player does not transact (deposit/wager) for a period of 91 days or more, it will be considered ‘dormant’.
These accounts will be entitled to maintenance charges (non-refundable) as per the rates mentioned below, till the time when account balance comes down to zero.
• Inactive for 30-90 days - £5 per month
• Inactive for more than 90 days - £10 per month
Before any positive balance is transferred out of a dormant account, we will use reasonable efforts to notify you via the most current contact details you provided to us.
Self-Excluded and Take a break accounts will be exempted from Dormant policy & Maintenance charges.
a. Fraud refers to any deception that has been committed by a player or a person/s on behalf of the players or conspiring along with the player and includes activities like providing misleading or false information during registration, plan to gain undue advantage, illegal usage of funds not belonging to the player which includes the usage of a payment method which is either unauthorized, stolen or illegally duplicated.
b. If a player is convicted or suspected of committing fraud, CGML will take strict legal action including but not limited to suspending accounts, denial of payments & reporting the player to the concerned authorities.
c. In the event of any losses incurred by CGML due to a fraud committed by a player; the player would be held responsible to pay us, on demand, all costs, charges or losses borne by us. The charges would include any and all direct, indirect or consequential losses, loss of profit and reputation, which has been resulted due to the player’s direct/ indirect fraudulent activities, or any criminal act.
d. If we are informed/suspect or become aware that a player has conspired (includes in relation with charge-backs) at any other online gambling site for any unlawful activities, CGML would consider this act as a fraud committed by the player.
If you have any complaint with regards to our services, you must submit your complaint in writing to email@example.com. Once received we aim to provide a response to your complaint within 48 hours.
Upon response to your complaint, we will consider the complaint closed. If you are not happy with the outcome of your complaint you have the right to raise your complaint further. Any complaint that cannot be resolved to your satisfaction will be passed to CGML senior management for further review.
If after this point the complaint cannot be resolved by CGML we would consider the complaint a dispute.
At this stage, would invite you to contact our alternative dispute resolution (ADR) provider, eCogra.
eCOGRA is a dispute resolution service provider who CGML has appointed as an independent entity to offer alternative dispute resolution facilities for disputes (namely any complaint which relates to the outcome of a complainant's gambling transaction and is not resolved at the first stage of Our complaints procedure).
eCogra can be contacted via the following details:
Please note that eCogra may reject complaints referred for dispute resolution on the basis they are frivolous or vexatious. The dispute resolution facilities provided shall be free of charge to you.
Players residing in Isle of Man may lodge a complaint with the Isle of Man Gambling Supervision Commission.
Please note that in the event you may have any claim or dispute which involves players that do not play in the United Kingdom, eCOGRA'S dispute resolution services as stated above will not apply to you., However, if such other player plays in any EU member state other than the United Kingdom, you can refer the gambling transaction dispute through the European Commission's Online Dispute Resolution
You can fund your account to play the games using Visa, Visa Electron, MasterCard, Maestro, Paypal, Ukash, Paysafe card, Neteller & Boku. A minimum deposit of £10 and a maximum of £500 can be done per transaction via all payment methods other than Boku. A minimum deposit of £10 and a maximum of £30 can be done per transaction via Boku.Credit betting is not permitted on the website. Players can only use a payment method that is registered in player’s own name. If a player made a deposit using a payment method which is not in their own name, CGML has right to close the account and all the balance will be forfeited.
Players will be unable to make a deposit if their account balance exceeds £250.
Players shall not consider CGML as a financial body & no interest will be paid on their deposits or balance amount.
Withdrawal charges in case of insufficient play:
If the wagering is less than 1X of deposit & player decides to withdraw part or whole of their balance, CGML levies applicable charges to take care of payment processing fees, which will be debited from the available balance in players’ account as detailed under:
Payment processing charges due to insufficient play: 5% of withdrawal requested amount
Aforementioned charges will not be applicable in case of self-exclusion or account closure
For cases related to refunds, following rules shall apply.
Any refund request must be made within 24 hours of the purchase, by an email to firstname.lastname@example.org. Such requests should be sent via registered email ID only. Following details are required to initiate refund requests:
a) A valid reason for Refund Claim
b) Valid photo id proof, address proof and front copy of credit/debit card by which the transaction has been made.
Should you choose to fund your account using multiple credit and/or debit cards during last 6 months, you may be asked to supply copies of more than one card. You may block the middle six numbers of the card copy.
After a player’s mail is received, the investigation would start. The standard time to process the request takes 3-4 working days, from the date of request. In case the refund request has been accepted, processing charge of £2 per request is applicable.
The refund value would be calculated based on the remaining balance (Cash) in the account, apart from the winnings. The wagering done by a player and the winnings resulting out of that deposit would not be eligible for refunds.
As part of fraud prevention program, transactions are monitored and checked. If we determine or suspect that a transaction is suspicious and involves or may involve financial crime or similar activity, we reserve the right to retain the amount of that transaction and any other transaction made by you.
Management has the obligation under the license to report suspicious activity to the Authority and reserves the right to report such activity to the police or relevant authorities
Protection of Consumer Funds
CGML maintains separate bank account for the player's dealings and business dealings. Any funds deposited with us are held by our bank in designated client accounts separate from our own accounts, but still they would form part of the assets of the business in the event of insolvency. Designated client accounts are proactively monitored and periodically audited by independent internal and external audit teams. This satisfies the UK Gambling Commission’s requirements for the segregation of player funds at the level of Basic Protection.
A business rule which is integral part of firm’s internal checks and controls is that the player account is always maintained at 102% of player liability as determined on the close of previous month which includes:
a. Cleared funds deposited with the licensee by players to provide stakes in, or to meet participation fees in respect of, future gambling,
b. Winnings or prizes which the player has chosen to leave on deposit with the licensee or for which the licensee has yet to account to the player
Above protection level also meets the requirement of the Isle of Man Gambling Supervision Commission's regulations on the protection of player funds via a client account.
Testimonials are not mandatory for any activity. Players may choose to provide a testimonial voluntarily or on CGML request. Should a player choose to provide a testimonial, below terms shall apply.
a) Your first name, first letter of your surname, username town or city, county, country, avatar and/or user image and details of your winnings as well as any content, competition entries, photographs, footage, audio recordings and quotes (including, but not limited to, any taken from telephone conversations, email correspondence or the chat facility) provided by you to us (“Publicity Content”) may be featured on the Website and used in marketing and publicity undertaken by or on behalf of us. You also agree that if you close your Member account, we may continue to use such Publicity Content; and
b) If you later agree to be filmed, photographed or recorded, you give your irrevocable consent to being filmed, photographed and/or recorded (the “Contribution”) for the purposes of producing audio, visual and audio visual material for inclusion in marketing and publicity material, which may be used, edited, distributed and exploited in more than one country and in any media (including, but not limited to, print, television and internet).
You agree that you are happy to feature in such marketing and publicity material at no cost to us. You also agree that if you close your Member account, we may continue to use such Contribution.
Conditions a & b above will be waived upon a written request by the player.
Bonus and Bonus winnings Policy:
Bonuses are offered to players based on various activities such as: deposit, welcome back, wagering, winning etc. Players have the choice to accept or decline such bonuses.
Winning limitation from Bonus Play
Bonus is Free Money given by the house. Accordingly, there will be a cap on maximum winnings that may be earned from such bonuses. Unless otherwise specified, the maximum winnings eligible from Bonus play is 5X value of the claimed bonus capped to £500.
1. If a player claims £20 as bonus, they may have a maximum winning of £100
2. If a player claims £120 as bonus, they may have a maximum winning of £500
All winnings above the £500 or 5X threshold shall be voided.
Bonus & Bonus play winnings Expiry conditions:
All bonuses carry a Wagering requirement and Expiry date. Player must meet the wagering conditions prior to the expiry date for any Bonus Winnings to be released as cash into winning account. Otherwise all such bonuses and respective bonus winnings shall expire.
Restricted games for bonus play
Third Party Slot Games, which are not owned by CGML, do not offer bonus play to the players. To identify such games, players need to login and hover the mouse on the game name. If only 'Casino Cash/ Cash' mode is visible then it indicates to be a Third Party Game. For all CGML owned games, players would see both 'Casino Cash/ Cash' and 'Bonus' mode.
The type of bonuses offered and how winnings will be treated from such offers is detailed below:
List of Bonus Currencies
a. Casino Cash:
Is virtual currency that has no cash value. All Casino cash is for game play only and cannot be withdrawn.
Casino cash may be used to play eligible Slots and Casino games. Any winnings derived from playing Slots and Casino games using Casino cash will be credited as Casino Cash until wagering requirements for the bonus is met after which winnings from bonus play& bonus are converted to withdrawable cash balance
All Casino cash will expire within 14 days of credit during which the bonus must be wagered forty times (40X) on slots or scratch cards, after which winnings from bonus are converted to withdrawable cash balance, unless otherwise stated within offer terms
b. Free Spins:
Is virtual currency that has no cash value. All Free Spins are for eligible Slots game play only and cannot be traded for cash or withdrawn.
Free spins notional value varies from offer to offer. Please check the offer terms carefully.
Free spins are offered as vouchers. A voucher may be eligible to play one or more pre-selected games. However once a voucher is used to play a certain game, the entire voucher must be used for the same game.
In case a player has claimed multiple free spin vouchers for the same game, only the first voucher (i.e. first claimed) may be used. Upon exhaustion of the first voucher, the next voucher can be used. Vouchers usage follows a First In, First Out principle.
Free spin vouchers expire within 10 days, unless otherwise stated within offer terms.
Any corresponding winnings from free spins will be credited as Casino Cash having a 14 days’ expiry, unless other stated within offer terms. All such Casino Cash will carry the standard Wagering requirement and expiry condition as detailed in the Casino Cash section.
Order of currency usage while playing games
Player accounts have the below currencies. This section details how the currencies are used while playing certain games.
Slots and Casino Game (playing in cash mode)
While playing Slots and Casino Game in cash mode, the order of consumption of currencies is listed below:
2. Casino Cash
Slots (playing in free spins mode)
While playing Slots in free spins mode, the order of consumption of currencies is listed below:
While playing Slots in free spins mode, only Free spins is used and all corresponding winnings are credited as Casino cash.
Promotions are offered to players from time to time. Please read offer related terms carefully before accepting. CGML reserves the right to discontinue any promotions.
Significant Limitations of Free player accounts.
Any player account that has NOT made a First Deposit is deemed as ‘Free Account’.
Free Accounts have significant limitations as listed below:
1. Free Account can have a maximum total account balance of £50 (including cash and virtual currencies)
2. Free Account balance will be reset to £50 at midnight daily
3. Free Accounts cannot request any withdrawals
Making your First Deposit
When Free Accounts choose to make their First Deposit, the account will be upgraded to a ‘Real Money’ account. The Free account will immediately cease to exist and all account balances under the free account shall expire. A ‘carry forward’ balance may be offered as per below conditions.
1. Your Free Account bonus balance (if any) will be reset to match 100% value of your first Deposit, up to a maximum of £50 with a 14 days expiry condition should the player choose to accept it. This bonus will get added to bonus balance in addition to any other bonus offer at the time of first deposit.
2. Such carry forward bonus shall be credited as ‘casino cash’ and a Wagering requirement of forty times (40X) on slots or scratch cards shall apply.
3. Free spins will be reset to zero
When playing with us, we want you to have the most enjoyable experience possible. So, to make sure there're no misunderstandings between us, we have a set of house rules. That way, you know what you’re agreeing to, we’re clear about what we’re offering, and we’ll hopefully both enjoy each other’s company for a long time to come!
Withdrawal Terms & Conditions
Who Can Request a Withdrawal?
1. Withdrawals can only be made by real-money players, who have made a minimum deposit of £10 to their account. Free Accounts cannot request a withdrawal.
2. In order to request a withdrawal, you should have completed all KYC requirements and should have withdrawable amount in your cash balance.
3. Bonus play: Bonus itself cannot be withdrawn. Bonus is free chips for game play only and has no cash value associated with it. All Bonuses must be wagered forty times (40X) on slots or scratch cards, prior to bonus expiry date, after which winnings from bonus play are converted to withdrawable cash balance.
Ex: For 10 bonus claimed, 40 times wagering amounting to £400, prior to bonus expiry date, will be required on slots or scratch cards, after which bonus winnings will be converted to withdrawable cash
4. Play on Blackjack, Roulette and other games does not count towards wagering requirements
5. Please note that the wagering calculation done by Wagering dashboard is estimated wagering. Final wagering status will be checked by accounting team while processing withdrawal requests.
6. Any remaining bonus balances including corresponding bonus winnings will be reset to zero at the time of withdrawal request.
7. Bonus & Bonus winnings expiry: All bonuses & corresponding winnings have a standard 14 days expiry period. Some bonuses may expire sooner. Bonus conditions will be displayed on the respective bonus offer page. All Bonuses must be wagered forty times (40X) on slots or scratch cards, prior to bonus expiry date, after which winnings from bonus play are converted to withdrawable cash balance.
8. If you opt for No Bonus option at the time of deposit, you will receive no bonus on your deposit. No wagering requirements will apply on the corresponding deposit. You can withdraw the deposit/ winnings amount subject to conformance to withdrawal rules.
9. To prevent fraud, we require you to send us valid proof of ID, copy of credit cards and residential address (phone or utility bill, etc.). The details shown on these documents must match those shown on your account profile (name, address, phone number, and email address.) You can send legible copies of your documents to us by email to email@example.com or by Fax to +44-207-900-1707. In the event you provide us with invalid details, you may risk your account being closed, and any balance being forfeited.
a) Photo ID: A copy of a Passport/ Driving License/ Citizenship Card/ Electoral Card/ National ID card. Please ensure that your name, expiry date, date of birth, and photograph are visible on the documents.
b) Copy of Credit/debit cards: A copy of the front of the credit card used to fund your account is also required. Should you choose to fund your account using multiple credit and/or debit cards, you may be asked to supply copies of more than one card. You should block the middle six numbers of the card copy. You’re warned to never share the back side of the credit/ debit card.
c) Proof of address: Utility bill or header of recent bank or credit card statement (Not older than 3 months). Address proof is required to make sure the funds reach the legitimate person and the recipient resides at the address mentioned in the profile.
Note: In some cases, depending on the payment method used to fund your account, you may be asked for one or a combination of the aforementioned documents, or additional documents not included in the list above. These documents may be requested at any point during your membership with us.
What are the Minimum/Maximum Withdrawal Amounts?
1.The minimum withdrawal amount is £10.
2.In case of withdrawal request without sufficient play (wagering requirement of 1X of deposit), processing charge of 5% is applicable which will be automatically deducted from the withdrawal amount requested. There are no processing charges for withdrawal requests where wagering requirement has been met.
3.Weekly Withdrawal limits: Players are allowed to withdraw two times of their average weekly deposit value during previous 4 weeks (Excluding week of withdrawal request) or £1500/week, whichever is higher. Week is defined as between Monday 00:00:00 AM to Sunday 23:59:59 PM GMT
5.If you win a slots progressive jackpot, you will be paid £5,000 each week till the winnings get exhausted.
6.We reserve the right to decrease the withdrawal limits for players who are found to be taking unfair advantage of the house bonus policy.
7.If you wish to withdraw less than the minimum withdrawable amount (£10), it is only possible as part of the account closure process.
How quickly will my Withdrawal Request be processed?
1.We process withdrawal request daily on working days (Monday to Friday). We aim to process your withdrawal request within 3 working days after the request has been received.
2.Bank processing times are approximately 5-7 working days. However, some payment methods may take a longer processing time. If you'd like more information on this matter, please contact us at firstname.lastname@example.org
What Payment Method can I Use for a Withdrawal Request?
Withdrawal requests will be paid to the funding source first used by the player within a period of 6 months, from the time of making a deposit.
Listed here are the various scenarios illustrating the usage of payment methods over the period of the last 6 months.
a) If a player has only used one funding source within the last 6 months then the withdrawal will be processed to that funding source only.
b) If a player has not used any funding source to fund his account during the 6 month period preceding the withdrawal date, then the withdrawal will be processed to the funding source last used by the player to fund the account. Such withdrawal requests should be manually reviewed and approved.
c) If a player has used several funding sources to fund his account over the period of 6 months. Any withdrawal request should be paid to the funding source first used by the consumer within the 6 months. However, if the first funding source used to fund the player account has been deactivated or has become inactive (such as through card expiration or bank account closure), the second funding source should be used.
Exception for Paysafe Card and Mastercard Withdrawals:
1.Paysafe Card Withdrawals
If you deposited using Paysafe card, we will first advise player to register any other credit/debit card, so that the withdrawal can be transferred within 24-48 working hours.
Most of the MasterCard issued in United Kingdom are supported for withdrawals with few exceptions as per guidance from MasterCard. We also do not support withdrawals to masterCard not issued in United Kingdom. Therefore, if you make a deposit to your account using MasterCard, we will first try to process withdrawals to the same card. However, if withdrawal is rejected by Mastercard, we will advise you to register any other credit/debit card so that the withdrawals can be transferred within 24-48 working hours.
Intimation in case of Lost/Theft Card
In the event that a credit or debit card that you have used to fund your account is lost, stolen, expired, cancelled or should the status of your e-wallet change, please inform us by contacting us via live help as soon as possible from your registered email ID. We will disable any transactions from the card within 48 hours of request. If withdrawal has been made to any closed/lost/stolen/expired/cancelled card and withdrawal was successful, then we will not be able to reverse the withdrawal and player will be responsible for any such loss.
We strongly recommend to players to block any transaction by contacting their bank & we will not be liable for any processing of transactions on the stolen card.
It is mandatory to update to email@example.com about a credit or debit card that you have used to fund your account is lost, stolen, expired, cancelled immediately.
What Happens if I Cancel my Withdrawal Request?
1. If you cancel your withdrawal request (known as a flow-back), this will not be considered as a new deposit, and the amount is therefore not eligible for any new bonus. Post processing of flow-back, your cash account will be credited with the amount for which withdrawal was cancelled
2. In case of cancellation of entire withdrawal request, 100% of the bonus balance, which was forfeited at the time of withdrawal request, will be reinstated.
3. In case of partial cancellation of your withdrawal request, you will not be able to reinstate any of the bonus balance which was forfeited at the time of withdrawal request
Our site server time is set to Greenwich Mean Time (GMT). Therefore, all game logs, server time & any other on site communication will display times in GMT
By playing our games, you agree that you do not find them offensive, unfair or indecent.
Any stakes that you place are non-refundable, unless a system malfunction occurs, in which case, all stakes placed on the particular game being played at the time of the malfunction will be refunded. CGML have no obligation to repay players who abuse these occurrences, and therefore, an alternative may be deemed suitable depending on the individual circumstances.
Where there are instances of prizes being shared by more than one player, the prize or jackpot will be split equally among all the winners.
If a query arises as a result of a gaming session where there is a mismatch between your records and the data recorded by our servers, the latter will be considered correct.
In the event of any disagreement between yourself and Summit Casino, CGML’s decision will be considered final.
If game is interrupted due to connection loss while free spins or bonus rounds, the game will resume remaining free spins or the pending bonus round on reopen.
If game is interrupted due to connection loss 'Balance', 'Wager' and 'Win' information can be viewed using reconcile report.
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Auto Play for Slots
AUTOPLAY automatically plays the game for the selected number of rounds. You can select x10, x25, x50, x75, or x100 spins.
Autoplay can be stopped at any time by re-pressing the Spin (Stop) button.
You may be offered additional options to stop Autoplay session.
The Autoplay pauses for Free Spins, it will resume when the feature ends.
Autoplay stops for Jackpot wins.
Free money contribution to PJP/Jackpot
The jackpot prizes would increase only if wagers are made with available funds. In case of wagers made with restricted funds, free spins or Free Play would not increase Jackpot prizes.
Other Rules & Regulations
Under the Online Gambling Regulation Act 2001, online gambling debts are enforceable in the Isle of Man.
The trademarks, logos and service marks displayed on the Site are the properties of Cozy Games Management Ltd. Users are prohibited from using them for any purpose without prior written permission. All information and content, including without limitation, any software programs, banners, and advertising material available on or through the Site ("content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content available on or through the site for commercial or public purposes. Users may however download or print one copy of one or more pages contained in this Website provided it is not republished in whole or in part for commercial purposes.
Content provided in the site is without warranty of any which includes, but is not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. Cozy Games Management Ltd. does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than Cozy Games Management Ltd. Under no circumstance will Cozy Games Management Ltd. be liable for any loss or damage caused by a user's reliance on information obtained through the site. It is the responsibility of the user to evaluate the accuracy, completeness or utility of any opinion, advice or other content available through the site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice or other content.
Interruption of Service/ Time Critical Events
When you access our service you should be aware that you may be using equipment or a connection which is not as fast as that used by other Customers. This may have an impact on your performance in time critical events offered on the service.
If the connection to a slot game is lost for whatever reason, e.g. internet connection problems, by refreshing the browser you can still go back into game and resume your participation.
If game is interrupted due to connection loss while free spins or bonus rounds, the game will resume remaining free spins or the pending bonus round on reopen.
If game is interrupted due to connection loss 'Balance' and 'Win' information can be viewed using reconcile report.
We make every effort to ensure that errors or mistakes do not occur in our software or in any Game. We reserve the right to void winnings, withhold withdrawals or cash-ins enabled by wins resulting from any obvious error or mistake or any bugs, viruses or technical fault (including, but not limited to, incorrect game payouts) with any of the Games offered, whenever such issues are discovered. You will forfeit any winnings/losses that result from such errors or mistakes, bugs, viruses or technical faults. Player will be notified through email in case of errors that affect them and also informed about adjustments made to their account due to such errors.
The Company shall not be liable for computer, software or Internet malfunctions nor attempts by the player to participate in a game by methods, means or ways not intended by the Company.
Force Majeure & other events outside CGML’s control
CGML will not be liable or responsible for any failure to perform, or delay in performance of any obligation under these Terms and Conditions due to the occurrence of events beyond our control , including, without limitation, acts of God, war, civil commotion, interruption in public communications networks or services, industrial dispute or DDOS-attacks and similar Internet attacks having an adverse effect ("Force Majeure"), such failure or delay does not constitute a breach of these Terms and Conditions. Our performance is deemed to be suspended for the period that the Force Majeure event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavors to bring the Force Majeure event to a close or to find a solution by which our obligations may be performed despite the Force Majeure event.
All players can set limits in the form of deposit limits, spend limits or loss limits for the duration of 24 hours, 7 days or one month. If you wish to change your limits you can do so by contacting any member of the customer Support Team or set them yourself by going to Responsible gaming tab.
Responsible Gaming is a measure to ensure a fair and safe gaming experience that protects players from the adverse consequences of gaming. The Responsible Gaming policy is available on the site for players to familiarize themselves with.
All player queries by support ticket will be answered within two working days. We allow players three ways to contact Support. Players may open a Support Ticket (preferred method), contact Live Help, or send in an email request. We recommend that the account holder prints out all transaction data, the rules of the game, the cancellation regulations, and the payment methods in order to avoid misconceptions and discussions at a later time and keep them at an easily accessible place.
Term and Amendments
The version of this agreement is currently Version 5.0 and was last updated on the 31st July 2017.
In the event that we suspect that a player is abusing or attempting to abuse a bonus or promotion, we may suspend or close the account of the suspected player and reserve the right to withhold any related winnings. Such abuse includes but is not limited to: (i) irregular wagering patterns in order to meet the wagering requirements or circumvent system priorities; (ii) use of multiple accounts (iii) low-risk wagering (such as to guarantee profits regardless of outcome).
Additional rewards given to the player on which wagering requirements apply (as defined in the site terms).
Another form of bonus (virtual currency) that can be used to play games on the site.
Promotional winnings given in the form of casino cash or bonus.
eCOGRA is a dispute resolution service provider appointed by CGML as an independent entity to offer alternative dispute resolution facilities for disputes (namely any complaint which relates to the outcome of a complainant's gambling transaction and is not resolved at the first stage of our complaints procedure).
EDD (Enhanced Due diligence)
It is required where the customer and product/service combination is considered to be a greater risk. A high risk situation generally occurs where there is an increased possibility of money laundering or terrorist financing through the service and product provided to the customer.
The option to cancel a withdrawal request & subsequent flowback of the amount, earmarked for disbursal to the designated back account, back to the player's casinoaccount.
Free/ Non-Depositing account
An account in which player has not made real money deposits
Another form of bonus that is given to the players to try slot machines using Free Spins
A massive amount which can be hit by the players on meeting the game criteria unless defined.
KYC (Know your Customer)
It is the process of a business/company to verify & validate the identity of the customers.
Legitimate Winnings mean winnings legitimately and legally won by a player by using the services of the website and that have been won fairly and in accordance with these Terms and Conditions and that are not subject to any reasonable objection by us, less the following:- (a) any rake or commission due to us; (b) other entry or other fees due to us for your use of the services; and (c) any charge backs made by your bank or other financial provider used by you in relation to the services
No Bonus coupon code
An option which facilitates players to play with only real cash and no bonus.
When a withdrawal cancellation request has been placed by a player and partial amount is reversed to the player's account.
Payment approved is when the amount requested for withdrawal is approved and gets disbursed to the player's bank account.
When a withdrawal request is raised by a player, account team verifies the KYC process andthe withdrawal request is verified, the funds are moved to payment pending state in order to send to the concerned bank account.
Cashing out the winnings via withdrawals is referred as payouts.
Virtual currency that enables players to get a feel of the site and try out the games. Any winnings resulting from the wagering of 'play money' is not withdrawable.
Offers decided by the management and updated on a timely basis.
Deposits made by a player are given back to him/her in case of, when the player is unable to make use of the deposit.
Real money account
An account in which player has made real money deposits
RTP (Return to Player)
The percentage of winnings which a player gets in return on a game.
Non-Depositing Players/ Free Player Accounts
Players who have not made any real money deposits.
Players can self exclude their accounts if they feel they’re prone to problem gambling or losing excessive funds. With self-exclusion, players will able to take a break from gambling for six (6) months, one (1) year, three (3) years and/or five (5) years. Self exclusion is automatically applied across all related accounts on all websites managed by CGML
Take a Break
Players can opt for Take a Break option for a period of 1 to 42 days, wherein players will not be able to place any bets from their account.
When a withdrawal requested by the player is declined/rejected by the accounts team for certain reasons is referred to as withdrawal declined.
The concept of Betting/play through/playing is known as wagering.