Bankrolla Cards Terms of Service

Last Updated: August 26, 2026

Version: 1.0

Previous Version: N/A

1. Introduction

a. Application

These Terms are a binding agreement between you and us. These Terms govern your access to and use of the Platform on any device, including the creation and use of an Account, the purchase and collection of Cards, participation in the Games and Promotions, and the collection, use and redemption of Mystery Coins and Winnings.

b. Consent and Acknowledgement

By using the Platform, or by checking a box confirming your acceptance of these Terms, you accept these Terms irrevocably and in full, without modification or reservation. If you do not agree to these Terms, you must not use the Platform.

c. Waiver and Agreement to Arbitrate

These Terms include a waiver of class, group and representative actions and a requirement that disputes be resolved by individual arbitration, subject to your right to opt out as described in Section 19. Please read Section 19 carefully.

d. Disclaimers

THE PLATFORM DOES NOT OFFER REAL-MONEY GAMBLING. NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN A PROMOTION. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. MYSTERY COINS CAN ALWAYS BE OBTAINED FREE OF CHARGE, AS DESCRIBED IN THESE TERMS. YOU ARE NOT REQUIRED TO PURCHASE ANYTHING, OR TO PARTICIPATE IN THE GAMES OR PROMOTIONS, BY THESE TERMS. THE PLATFORM IS INTENDED FOR PERSONAL ENTERTAINMENT PURPOSES ONLY. THE GAMES AND PROMOTIONS ARE VOID WHERE PROHIBITED BY APPLICABLE LAW.

2. Modifications

a. Changes to these Terms

We may modify these Terms at any time. Changes become effective upon publication on the Platform, unless we state otherwise.

b. Notice and Continued Use

We do not guarantee notice of material changes unless notice is required by applicable law. Your continued use of the Platform after changes are published constitutes your full acceptance of the modified Terms, regardless of whether you received or read any notification.

3. Privacy Policy and Responsible Gaming Policy

a. Privacy Policy

Your personal data is processed in accordance with the Bankrolla Cards Privacy Policy. By accepting these Terms, you acknowledge and agree to that processing.

b. Responsible Gaming Policy

The Bankrolla Cards Responsible Gaming Policy forms an integral part of these Terms. It describes the responsible gameplay tools available to you, including Self-Exclusion and Cooling-Off. In the event of a conflict between these Terms and the Responsible Gaming Policy, these Terms control.

4. Eligibility

a. Age

You must be at least 18 years old, or the age of majority in your state if it is higher, to use the Platform. The minimum age is 19 if you are located in Alabama or Nebraska, and 21 if you are located in New Jersey.

b. Jurisdiction

The Platform is available only to users physically located in the United States of America (including the District of Columbia), excluding the Restricted States. You must be physically located in an eligible state each time you use the Platform, including when you make a purchase, play a Game or redeem Winnings. If your physical location cannot be determined, you may not use the Platform.

c. Applicable Laws

It is your sole responsibility to confirm that your use of the Platform is lawful in the jurisdiction where you are located. We do not provide legal advice or any assurance that the Platform is lawful for you to use.

d. Restricted Persons

Our employees and employees of our Affiliates, advertising agencies and entities involved in the production or distribution of the Games, as well as their immediate family members (spouse, parents, siblings and children, whether by birth, marriage or adoption) and members of their household (persons sharing a residence for at least three months per year), are not eligible to use the Platform.

e. Compliance

If you breach these Terms, you must immediately stop using the Platform until the breach is cured.

f. Assistance and Liability

You are responsible for preventing ineligible persons from accessing the Platform through your assistance or your Account. You bear full responsibility for any unauthorized use of the Platform, including misuse of your payment methods, and no refunds or chargebacks are available in such cases, except as required by applicable law.

5. License

a. Grant

Subject to your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable and limited license to access and use the Platform, including the Cards and Mystery Coins, for your personal entertainment only. Cards and Mystery Coins are licensed to you, not sold.

b. Scope

No rights, title or interest in or to the Platform, any Card, any Mystery Coins or any Platform Content are granted to you beyond what is explicitly stated in these Terms. Cards and Mystery Coins have no monetary value. Redeemable MCs are eligible for redemption only as described in Section 11. You have no property interest in any Card or Mystery Coins, which exist only as licensed features of the Platform.

c. Termination of License

If you do not comply with these Terms, this license terminates immediately, without notice.

6. Verification

a. Verification Rights

We may verify your identity, age, location, payment methods, source of funds or other information at any time, where required by our internal policies, industry standards, legal or regulatory requirements, or for the prevention of fraud and financial crime. We may engage third-party verification providers for this purpose. You must cooperate promptly and provide accurate and complete information and documentation.

b. Pending Verification

While verification is pending, purchases and redemptions may be unavailable, and your Account may be suspended or restricted. Requested documentation may include a government-issued photo ID (such as a passport), proof of address (such as a utility bill) and evidence of source of wealth or funds (such as a payslip or bank statement).

c. Failure to Verify

If you do not provide the requested documentation within 30 days of our request, we are not obliged to proceed with any purchase or redemption, and your Account may be restricted, suspended or terminated.

7. Account

a. Single Account

You may create and hold only one Account. Attempts to create or use multiple Accounts, including through third-party data, may result in the suspension or termination of all Accounts concerned. Do not create a new Account to update your details, contact Customer Support instead. Multiple Accounts may not be created or used from the same device or IP address without our prior written consent.

b. Accuracy

The information in your Account must be kept accurate and current at all times. The name you register with must exactly match the name on your government-issued ID.

c. Security

Your Account is protected by a password or by the login credentials of a Third-Party Service. You are fully responsible for the security and confidentiality of your Account and for all activity under it, whether or not authorized by you. You must notify us immediately of any suspected breach of your Account security. We are not liable for any third-party misuse of your Account resulting from your own disclosure of your credentials.

d. Limitations, Suspension and Termination

We may limit, restrict, suspend, terminate or refuse to open an Account at our sole discretion, with or without reason, including for a breach of these Terms or applicable law, bankruptcy, or the initiation of a payment dispute or chargeback. The following applies:

Limited Account: certain features are restricted until the limitation is lifted.
Suspended Account: no purchases, Game play, Mystery Coin transactions or redemptions are available until the suspension is lifted.
Terminated Account: all Cards and all Mystery Coins are irrevocably forfeited when the Account is terminated, and you have no claim or refund right in respect of them, except as required by applicable law. You may request termination of your Account at any time by contacting Customer Support. Customer Support may ask about your reasons and offer to address your concerns, including through a bonus. If, after submitting a termination request, you continue to use the Platform (for example by playing the Games, making purchases, or requesting or accepting a bonus) your termination request is treated as withdrawn, and keeping your Account open in these circumstances is not a breach of these Terms. Your Account will be terminated when you confirm, after being contacted by Customer Support, that you still wish to terminate, or when your conduct shows a genuine intention to terminate (for example, you stop using the Platform and do not request or accept any bonus). You remain responsible for all activity on your Account until termination takes effect. This paragraph does not apply to Self-Exclusion or Cooling-Off requests, which are processed as described in the Responsible Gaming Policy. If you are permanently Self-Excluded under the Responsible Gaming Policy, your Account is closed and all Cards and Mystery Coins are forfeited as described above. We encourage you to complete any pending redemptions before submitting a permanent Self-Exclusion request. During a temporary Self-Exclusion or Cooling-Off period, your Cards, Mystery Coin balances and pending redemptions are preserved and restored when your Account reopens, as described in the Responsible Gaming Policy and Section 9(e). A Self-Exclusion or Cooling-Off measure applied on another platform operated by us or our Affiliates may be applied to your Account, and vice versa, as described in the Responsible Gaming Policy.

e. Transfers

Accounts may not be transferred, sold or purchased. Cards and Mystery Coins may not be transferred between Accounts or between users in either direction.

f. Dormant Accounts

An Account with no login or logout activity for 6 consecutive months (or another period determined by us) is considered dormant and may be suspended or terminated, with or without reason or notice.

g. Account Reinstatement

We may reinstate a terminated Account at our sole discretion, using retained data as described in the Privacy Policy, subject to identity and security re-verification, any additional checks or updated verification we require, and an eligibility assessment that considers the original termination reason. We may decline reinstatement without stating a reason. Reinstatement does not restore any Cards, Mystery Coins, balances, bonuses or other benefits of the terminated Account. Reactivation constitutes acceptance of the then-current Terms.

8. Cards and Purchases

a. Card Packs and Random Selection

Cards are purchased through Card Packs made available on the Platform. Each Card Pack displays, before you confirm your purchase: the Collection from which the Card or Cards will be drawn, the number of Cards included, the purchase price, and any free Mystery Coin bonus included with the Card Pack, if any. When your payment is completed, the specific Card or Cards you receive are randomly selected by the Platform from the then-current draw pool of the Collection identified in the Card Pack and added to your My Collection page. You will always receive the number of Cards stated in the Card Pack, the random selection determines only which Cards you receive, never whether you receive them. Your payment is entirely for the Card or Cards. No part of your payment is for Mystery Coins, see Section 9(d) for more details.

b. Duplicates and No Guaranteed Outcome

Owning a Card does not remove it from future draw pools, and you may receive the same Card more than once. Duplicates are shown in your My Collection page as a quantity of the same Card. A Card Pack guarantees only the number of Cards, the Collection they are drawn from, the purchase price and any stated Mystery Coin bonus. A Card Pack never guarantees a specific Card, a specific rarity, or a Card you do not already own.

c. My Collection

Your My Collection page displays the Cards you have obtained, including each Card’s Collection, image, name, rarity, the quantity you own, and your overall collection progress, which is counted by unique Card type.

d. Collections Are Dynamic

We may add new Cards to a Collection, retire (“archive”) Cards from future draws, and open or close entire Collections at any time, with prospective effect. Archived Cards stop appearing in new draws but remain in the Accounts of users who already hold them, subject to these Terms. We may update Card metadata (including name, artwork and rarity descriptors) including for Cards already in your My Collection.

e. No Monetary Value; No Transfer

Cards are digital collectibles licensed to you for personal entertainment and display within the Platform. Cards have no monetary value and cannot be redeemed, exchanged or converted for cash, prizes, Mystery Coins or anything of value, on or outside the Platform. Cards may not be sold, traded, gifted or transferred, whether on the Platform or outside it, and any attempted sale, trade or transfer is void and constitutes a breach of these Terms.

f. Purchases and Payment

Purchases are made through the authorized payment methods available on the Platform. Minimum and maximum purchase amounts may apply. By making a purchase you authorize us and our payment agents and facilitators to debit your payment method; funds are drawn as soon as practicable. Any payment method you use must be legally and beneficially owned by you and registered in your name, which we may verify. We may grant or restrict access to particular payment methods at our sole discretion. You authorize the storage of your payment credentials for future purchases.

g. Payment Administration Agent

We may appoint payment administration agents, who hold equivalent rights and powers under these Terms in connection with payment processing. We are not liable for the negligence or unauthorized acts of such agents. Your use of a payment agent’s services may be subject to that agent’s own terms, and a breach of those terms is a breach of these Terms.

h. Currency, Commissions and Exchange

All transactions on the Platform are denominated in US dollars (USD). Your bank or payment provider must support USD transactions. You bear all fees, commissions and any costs or losses related to currency exchange.

i. Reversed Purchases

If you cancel, return or reverse a purchase, or initiate a chargeback, your Account may be suspended or terminated. The amount of the reversed purchase becomes a debt you owe to us, payable through an alternative payment method. Cards and Mystery Coins credited in connection with a reversed purchase may be revoked, and any Winnings derived from Mystery Coins credited in connection with the reversed purchase are void until the debt is paid in full; redemption requests are not available in the interim.

j. No Refunds

Cards and any included Mystery Coin bonus are delivered immediately after purchase. All purchases are final and are not refundable, transferable or exchangeable, in whole or in part, except as required by applicable law. If you believe a billing error has occurred, you must contact us within 30 days of the transaction; otherwise, your right to dispute the transaction with us is waived. You must reimburse us for chargebacks, reversals, claims, fees, fines, penalties and other liabilities we incur that arise from payments you authorized or that result from your breach of these Terms, including where you allowed another person to use your Account or payment method.

k. Purchase Errors

Every Card and every Mystery Coin credit is linked to the specific transaction that generated it. We may revoke or adjust Cards or Mystery Coins credited as a result of a technical error, duplicate crediting, a malfunctioning draw or other mistake, as further described in Sections 9(f), 9(g) and 14.

9. Games and Mystery Coins

a. The Games

The Games are promotional sweepstakes games available on the Platform and are played using Mystery Coins only. The offering, availability, functionality, design, naming and branding of the Games may change at any time without notice or liability. Game outcomes are determined by chance, using random number generators or equivalent methods; where skill elements appear in a Game, they do not determine the outcome. The Games may be supplied by third-party game providers and are tested for randomness in accordance with applicable industry standards.

b. Game Rules

Each Game has its own rules, including any applicable Allocation Multiplier, and displays its paytable or possible prizes before play. You must read and agree to a Game’s rules before playing it; a breach of Game rules is a breach of these Terms.

c. Mystery Coin Balances

Mystery Coins are designated as Redeemable MCs or Non-Redeemable MCs under the Redemption Allocation described in Section 10(e):

Non-Redeemable MCs have no monetary value and cannot be redeemed. They can be used only to play the Games.
Redeemable MCs are eligible for redemption in accordance with Section 11.
Both designations can be used to play the Games. Redeemable MCs are used first; Non-Redeemable MCs are used only if your Redeemable MC balance is insufficient.
A play that has been submitted and accepted cannot be changed, withdrawn or cancelled, and the Mystery Coins used are deducted instantly. Mystery Coins used to play cease to exist upon use, regardless of designation; Mystery Coins received from play are subject to a fresh Redemption Allocation.
We may set, modify or remove minimum and maximum play amounts for any Game at our sole discretion; current limits are published on the Platform.

d. Obtaining Mystery Coins

Mystery Coins can never be purchased, and cannot be gifted or transferred. Mystery Coins can only be obtained free of charge, through the following methods (or other free methods we may introduce):

Free bonus with designated purchases: designated Card Packs include a free Mystery Coin bonus, in the amount displayed in the purchase interface, which may change. Not all Card Packs include a Mystery Coin bonus.
Promotional campaigns, contests and giveaways: free promotional awards (for example through social media campaigns, loyalty programs or quests), which may require specific actions described in the campaign instructions, including the applicable Mystery Coin amounts.
Periodic bonuses: free Mystery Coins we may offer from time to time, such as daily or login bonuses, at our sole discretion. Mystery Coins are treated identically regardless of the method by which they were obtained, including for the purposes of Game odds, prizes, the Redemption Allocation and redemption.

e. Expiry of Mystery Coins

Mystery Coins expire 60 calendar days after the date of your last Account login, after which they are automatically removed and cannot be recovered, reinstated or redeemed. This period is tolled during a temporary Self-Exclusion or Cooling-Off period: your Mystery Coins and pending redemptions will not expire solely because you cannot log in during such a period, as described in the Responsible Gaming Policy.

f. Errors and Discrepancies

We may void participation in a Game, in whole or in part, where an error has occurred in a paytable, win table, stake, odds, the Redemption Allocation, an Allocation Multiplier, a Mystery Coin balance or the Platform software, at our sole discretion. Our server software is the official and authoritative record of all Platform activity, including Game results, Card draws, Mystery Coin balances and their Redeemable or Non-Redeemable designation, play history and the application of the Redemption Allocation and Allocation Multipliers, and governs over any discrepancy shown on your device or interface.

g. Wrong Allocations

Cards or Mystery Coins credited to your Account by mistake remain our property and will be removed or deducted. If Redeemable MCs that do not belong to you are redeemed before the error is discovered, the amount paid becomes a debt you owe to us. You must notify us immediately upon discovering any mistaken credit.

10. Promotions and Sweepstakes

a. Promotions

Promotions are subject to these Terms and to any promotion-specific terms, which control in the event of a conflict, except that Sections 19 and 20 always control. We may withdraw or modify any Promotion, including any Allocation Multiplier, at any time without notice, at our sole discretion; changes to Allocation Multipliers apply prospectively only, as described in Section 10(e). If you violate or abuse a Promotion, we may withhold, deny or cancel the related Mystery Coins, bonus or benefit.

b. No Purchase Necessary

The sponsor and promoter of the Promotions is Epic Play Holding Inc., 1287 E Newport Center Dr Ste 206, Deerfield Beach, Florida, 33442, USA. Mystery Coins function as sweepstakes entries for the Games. NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN, AND A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. The Promotions are void where prohibited by applicable law.

c. Redemption Allocation

Mystery Coins are designated as Redeemable MCs or Non-Redeemable MCs through the Redemption Allocation, using the Allocation Multiplier:

General: only Redeemable MCs are eligible for redemption; both designations remain usable to play the Games. Mystery Coins are not subject to any playthrough requirement. The Allocation Multiplier is a separate and distinct mechanism from any playthrough concept.
Allocation formula: for each Game (or Game category), we track (A) the total Mystery Coins used to play and (B) the total Mystery Coins received from play. The Allocation Multiplier is applied to the sum of (A) and (B) to determine the portion designated as Redeemable MCs; the remainder is designated as Non-Redeemable MCs.
Assignment: Allocation Multipliers may be assigned per Game, per Game category (such as type or feature) or per another classification, at our sole discretion, and may vary across Games and categories.
Disclosure: the applicable Allocation Multiplier is made available on the Platform, such as on the Game cover hover screen, the Game page, a pop-up notice or the FAQ.
Range and changes: the Allocation Multiplier ranges from 0.01 to 1.00 inclusive and may be adjusted at any time at our sole discretion within that range. Changes apply prospectively only and have no retroactive effect on Mystery Coins already designated.
Equal application: the Redemption Allocation applies identically regardless of how the Mystery Coins were obtained.
Records: our records of the amounts used, received and designated are final and binding.

d. Administration

Our decisions on the administration of the Promotions, including Game rules, the Redemption Allocation, redemption terms and participant eligibility, are final and binding. Prize structures, odds and Allocation Multipliers may be modified at any time, subject to Section 10(e). You are responsible for checking the applicable Game terms, including the Allocation Multiplier, before playing. We may disqualify any participant who violates these Terms, tampers with the entry process or the operation of a Promotion, fails to comply with instructions, or engages in unsportsmanlike or disruptive conduct.

e. Publicity

Except where prohibited by applicable law, your participation in the Promotions constitutes your consent to our use of your name, likeness, photograph, voice, opinions and hometown and state for promotional purposes, in any media, worldwide, without further payment, notice or consideration.

11. Redemption

a. Disclaimers

We make no warranties or representations regarding Redeemable MCs or redemption, which are provided “as is” and “as available”, without guarantees of any kind. A prize is not awarded until it has been successfully redeemed, and you have no rights in respect of unredeemed Redeemable MCs.

b. Redemption Process

Redemption is requested through the Platform. Each Redeemable MC is redeemable for US$1.00. Redemptions are paid in USD through the payout methods available on the Platform, to a payment method legally owned by you and matching the name on your Account. Non-Redeemable MCs are not redeemable under any circumstances (but remain usable to play the Games).

c. Winner Verification

You are not a winner of any prize, even if the Platform interface suggests otherwise, unless and until your eligibility and compliance with these Terms have been verified and you have received official notice that verification is complete, and you are not eligible to redeem until then. Screenshots or other purported evidence of winning are not accepted as a substitute for our validation process. We may require you to sign and return an affidavit or declaration of eligibility and a liability and publicity release (except where prohibited by law). Redeemable MCs are automatically forfeited if you cannot be contacted, fail to properly complete and return required documents within the specified time, or fail to comply with these Terms. Our verification decisions are final and binding.

d. Processing

Redemption requests are processed on US business days (Monday to Friday, excluding federal holidays). You may submit one redemption request per 24-hour period. Our processing target is 10 business days from receipt of a request; this is a target, not a guarantee, and processing may take longer due to volume, verification or operational factors. We will make reasonable efforts to keep you informed of the status of a delayed request; you are responsible for keeping your contact information current. Redemptions are final once processed, no substitutions or changes are possible after confirmation. We are not responsible for delays caused by internet connectivity, errors in your submission or third-party payment processors.

e. Limits

A minimum of 100 Redeemable MCs is required for each redemption request. The current redemption limits are 1,000 Redeemable MCs per Account per 24-hour calendar day and 5,000 Redeemable MCs per Account per calendar month. We may further limit redemption amounts or frequency at our sole discretion for regulatory, internal-policy or partner and supplier compliance reasons.

f. Florida and New York

If you are located in Florida or New York, the maximum redemption value of Winnings from any single Game play is 5,000 Redeemable MCs (US$5,000). Winnings from a single Game play exceeding this amount are reduced to this cap.

12. Content and Intellectual Property

a. Platform Content

All Platform Content, including the Cards, their names and artwork, text, graphics, user interfaces, photographs, trademarks, logos, sounds, music, artwork, designs and code, is owned by or licensed to the Bankrolla Parties and is protected by intellectual property laws. You may use Platform Content only as permitted by these Terms and applicable law. No intellectual property rights are conveyed to you by your use of the Platform. You may not reproduce or modify Platform Content, including by removing proprietary notices.

b. User-Generated Content

By submitting any User-Generated Content, you grant us an irrevocable, perpetual, worldwide, non-exclusive, royalty-free license to use it in any manner. You warrant that your User-Generated Content does not violate any law or any third-party rights.

c. Copyright Infringement Notices

If you believe that content on the Platform infringes your copyright, send a notice to our designated agent at [email protected] or to Epic Play Holding Inc., 1287 E Newport Center Dr Ste 206, Deerfield Beach, Florida, 33442, USA, including: your physical or electronic signature; identification of the copyrighted work claimed to be infringed; identification of the allegedly infringing material and its location on the Platform; your contact information; a statement of your good-faith belief that the use is not authorized by the copyright owner, its agent or the law; and a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf. We may remove or disable access to allegedly infringing material and may terminate the Accounts of repeat infringers.

13. Prohibited Use

When using the Platform, you must:

use the Platform for personal and entertainment purposes only;
not use the Platform excessively, abnormally or unsustainably, including play patterns suggesting signs of gaming addiction or use inconsistent with typical recreational use, as described in the Responsible Gaming Policy. We may assess your activity for potential misuse or harm at our sole discretion;
not make purchases from a business or corporate account;
use the Platform only for yourself;
use only lawfully sourced funds;
provide true, complete and accurate information, and update it immediately when it changes;
not engage in fraud, collusion or unlawful activity;
not use bots, software-assisted methods or hardware devices;
not bypass any restriction of the Platform or these Terms;
not hack, gain unauthorized access, phish or mine passwords;
not modify, reverse-engineer or reverse-assemble any part of the Platform;
not introduce harmful software, including viruses, Trojans, malware or spyware;
not circumvent the structure or navigation of the Platform to access restricted information;
not engage in unlawful or fraudulent activity generally;
not cheat or collude with other users;
not facilitate illegal money transfers, including money laundering or the handling of criminal proceeds;
not participate in schemes designed to mislead us as to your identity, or in the sharing of targeted special offers or identification documents;
not coordinate with other users in groups making identical or similar selections; and
not engage in abusive, threatening, harassing, discriminatory, profane or disrespectful communication with our staff or representatives through any channel.

14. Accessibility, Updates, Disruptions and Errors

a. Disclaimer of Warranties

The Platform is provided “as is”, without any warranty of quality, fitness for purpose, completeness or accuracy, to the fullest extent permitted by applicable law.

b. Malfunctions

We are not liable for downtime, disruptions, lag or other technical issues, or for the use of the Platform through unintended methods, or for any resulting damages or losses, including delays, loss or corruption of data, communication failures, misuse, and errors or omissions. Where a session is interrupted by a failure of our systems, we will make commercially reasonable efforts to restore it; fixes of bugs and misconfigurations are made on a commercially reasonable efforts basis. Transactions and plays resulting from a malfunction are void from the outset. We reserve the right to correct Account balances and details to remedy any error.

c. Viruses

We do not guarantee that the Platform is free of viruses or other harmful components. You are responsible for protecting your own device and data, including through appropriate security software and data recovery measures.

d. Platform Updates and Suspension

We may suspend, modify, remove or add any feature of the Platform at our sole discretion, with immediate effect and without notice. We accept no liability for any resulting loss, and no user claims arise from such changes.

e. Restrictions

You must comply with any access restrictions we introduce or update. You must not circumvent restrictions, including by using a VPN, proxy, misrepresenting your location or attempting to access the Platform from a Restricted Jurisdiction, and you must provide accurate location-services data on request.

15. Third-Party Services

a. Third-Party Services Generally

We are not responsible for and do not guarantee the content, functionality or accuracy of any Third-Party Service. The Bankrolla Parties are not liable for actions you take at the direction of a Third-Party Service. Your use of a Third-Party Service is governed by that third party’s own terms.

b. No Endorsement

Links to or references of a Third-Party Service do not imply any relationship with or endorsement by us, absent an explicit statement.

c. Fraud Warning

Some third parties may fraudulently claim to offer Cards or Mystery Coins in order to obtain your funds or personal information. We do not authorize any third party to offer Cards or Mystery Coins, and any such offer should be treated as fraudulent.

16. Liability

a. Limitation of Liability

To the maximum extent permitted by applicable law, we are not liable for indirect, incidental, consequential, special, exemplary or punitive damages, including lost profits, business opportunities, business interruption, revenue, income, goodwill, use of data or other intangible losses.

b. Liability Cap

Our total liability to you is capped at the amount you paid to us in the 90 days preceding your claim. If you made no payments in that period, your sole remedy is to stop using the Platform.

c. Scope of Limitations

The limitations in this Section apply only to the extent permitted in your jurisdiction.

d. Exclusions

Nothing in these Terms excludes liability for death or personal physical injury directly and proximately caused by the negligence or willful misconduct of a Bankrolla Party.

e. Force Majeure

We are not liable for any failure or delay resulting from events beyond our reasonable control.

17. Indemnification

You will indemnify and hold harmless the Bankrolla Parties from all costs, expenses, liabilities and damages, whether direct, indirect, special, consequential, exemplary or punitive, arising from your use of the Platform or your breach of these Terms.

18. Customer Support

a. Customer Support

You can contact Customer Support. Information provided by Customer Support is not legally binding unless explicitly stated, and these Terms control over any discrepant communication. We will make commercially reasonable efforts to resolve your questions and issues, without any representation or warranty as to service quality. Communications with Customer Support may be recorded.

b. Notice to California Users

Under California Civil Code Section 1789.3, users located in California are entitled to the following notice: the Platform is provided by Epic Play Holding Inc., 1287 E Newport Center Dr Ste 206, Deerfield Beach, Florida, 33442, USA. Complaints regarding the Platform, or requests for further information, may be sent to the address above or to [email protected]. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.

19. Dispute Resolution

a. Scope

This Section 19 is governed by the Federal Arbitration Act and covers all past, present and future disputes between you and us relating to these Terms, their formation or the Platform.

b. Informal Resolution

Before filing any claim, you must first contact us at [email protected] and attempt to resolve the dispute informally. Neither party may initiate arbitration during the 30 days following such notice, while informal resolution is attempted.

c. Agreement to Arbitrate

Except as provided in this Section, all disputes covered by Section 19(a) will be resolved exclusively by final and binding arbitration. This agreement to arbitrate also covers disputes concerning its own enforceability, validity, scope and severability.

d. Opt-Out

You may opt out of this agreement to arbitrate by sending notice to [email protected] within 30 days of first accepting these Terms, stating your full name, email address, postal address and an explicit statement that you decline this agreement to arbitrate. Opting out does not affect your right to use the Platform. The provisions of this Section 19 that apply to litigation continue to apply to users who have opted out, and any pre-existing arbitration agreement between you and us remains in force notwithstanding an opt-out of this one.

e. Arbitration Terms

Arbitration is administered by JAMS under its Streamlined Arbitration Rules, before a sole arbitrator, on an individual basis. The hearing takes place in Miami, Florida, or remotely where we agree. Fees are governed by the JAMS Rules. The arbitrator may award any remedy available in an individual lawsuit, including injunctive relief, to the extent such remedy cannot be lawfully waived.

f. Class Action and Collective Arbitration Waiver

No dispute may be consolidated, joined or coordinated with any other dispute. To the fullest extent permitted by law, you and we each expressly and unconditionally waive any right to group, class, collective, mass or representative arbitration or litigation, including in the capacity of a class representative or private attorney general, and any recovery of losses on behalf of third parties.

g. Temporary Injunction

Either party may seek temporary injunctive relief from a court pending the appointment of the arbitrator.

h. Jurisdiction

Any dispute not subject to arbitration is submitted exclusively to the courts of the State of Florida, and you consent to their venue and personal jurisdiction. Motions to compel arbitration or to enforce an arbitral award may be brought in any court of competent jurisdiction.

i. Time Limit for Claims

Any claim must be filed within 12 months of the date on which the ground for the claim arose; claims not filed within this period are permanently barred, to the extent permitted by applicable law.

20. Applicable Law

These Terms are governed by the laws of the State of Florida, excluding its conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

21. Miscellaneous

a. Taxes, Reporting and Withholding

You are solely responsible for all taxes, fees and governmental charges connected with your receipt or redemption of Redeemable MCs. We will report information to the Internal Revenue Service, state tax authorities and other governmental bodies as required by law, and will withhold any amounts we are legally required to withhold, reducing payments to you accordingly. You must provide requested tax documentation (for example, IRS Form W-9); failure to do so may result in suspension of redemptions and additional withholding, including backup withholding.

b. Entire Agreement

These Terms, together with the documents referenced in them, constitute the entire agreement between you and us regarding the Platform and supersede all prior communications. In the event of a discrepancy between these Terms and a referenced document, these Terms control, except for promotion-specific terms as described in Section 10(a), if any.

c. Severability

If any provision of these Terms is found unenforceable, it is ineffective to the extent of the unenforceability and severable, and will be replaced or read down to the closest enforceable equivalent, without affecting the remaining provisions.

d. Assignment

These Terms are personal to you and may not be assigned by you without our written consent. We may assign, transfer or delegate our rights and obligations under these Terms without notice, absent a legal requirement to notify, and these Terms bind our successors and assignees.

e. No Agency

Nothing in these Terms creates any agency, partnership, trust, fiduciary or joint-enterprise relationship between you and us.

f. Waiver

Our failure to enforce any breach of these Terms does not waive our right to enforce the same or any other breach in the future.

g. Language

The English language version of these Terms is the sole legal basis of the relationship between you and us, and prevails over any translation in the event of a discrepancy.

22. Definitions

Account: the account you register on the Platform.

Affiliates: entities under common control with us.

Allocation Multiplier: the multiplier applied in the Redemption Allocation to determine the portion of Mystery Coins designated as Redeemable MCs, as described in Section 10(e).

Bankrolla Parties: us, Affiliates, and our and Affiliates’ respective partners, officers, directors, employees, shareholders, agents, advisors, licensors, contractors and suppliers.

Card: a virtual collectible digital card licensed to you on the Platform, belonging to a Collection.

Card Pack: a listing on the Platform for the purchase of one or more Cards, stating the Collection, the number of Cards, the purchase price, and any free Mystery Coin bonus included.

Collection: a set of Cards made available on the Platform from which Cards are drawn, as displayed in the relevant Card Pack.

Customer Support: our customer support service, reachable though the contact details indicated in these Terms and the Platform.

Games: the promotional sweepstakes games available on the Platform, played using Mystery Coins.

My Collection: the page of your Account displaying the Cards you have obtained.

Mystery Coins or MCs: the virtual tokens licensing play of the Games, comprising Redeemable MCs and Non-Redeemable MCs. Mystery Coins can never be purchased.

Non-Redeemable MCs: Mystery Coins not eligible for redemption, usable only to play the Games.

Platform: the website available at https://bankrolla.cards, including all subdomains, subpages and successors, including all functionality offered through them (such as purchases, Games, Promotions and Account creation).

Platform Content: all content displayed or used on the Platform, including the Cards and their artwork, text, graphics, user interfaces, photographs, trademarks, logos, sounds, music, designs and code.

Privacy Policy: the Bankrolla Cards Privacy Policy available on the Platform, as amended from time to time.

Promotions: contests, sweepstakes, bonuses and other offers promoting the Platform, including the Games. Redeemable MCs: Mystery Coins eligible for redemption in accordance with Section 11.

Redemption Allocation: the framework described in Section 10(e) under which Mystery Coins are designated as Redeemable MCs or Non-Redeemable MCs through the Allocation Multiplier.

Responsible Gaming Policy: the Bankrolla Cards Responsible Gaming Policy available on the Platform, as amended from time to time.

Restricted Jurisdictions: the Restricted States and any jurisdiction outside the United States of America.

Restricted States: Connecticut, Delaware, Idaho, Louisiana, Michigan, Montana, Nevada, and Washington.

Self-Exclusion and Cooling-Off: the responsible gameplay measures described in the Responsible Gaming Policy.

Terms: these Bankrolla Cards Terms of Service, as amended from time to time, together with the documents referenced in them.

Third-Party Services: websites, platforms, applications and services not operated by us or Affiliates.

User-Generated Content: any content you submit through the Platform, including text, video, audio, images and documents.

“We“, “us“ or “our“: means Epic Play Holding Inc., a corporation registered in the State of Florida, USA, with its principal place of business at 1287 E Newport Center Dr Ste 206, Deerfield Beach, Florida, 33442, USA.

Winnings: Mystery Coins received from playing the Games, redeemable (where designated as Redeemable MCs) in accordance with Section 11.

You: the user of the Platform.