[
    {
      "id": 1,
      "title": "General Terms And Conditions",
      "subCategories": [
        {
          "id": "1.1",
          "title": "Important Information",
          "miniCategories": [],
          "content": "<div><p><em>Please ensure that You read and understand these terms prior to using the Service. Acceptance of these terms and conditions is a personal undertaking to be bound by these Terms. If you do not accept these Terms, please do not use Betika’s Services. The terms contain important information about the legal agreement between You and Us and provide information about what other documents form part of our relationship with You.</em></p><p>In these Terms and Conditions (“hereinafter “<strong>The Terms</strong>”):</p><ul><li>Reference to “Betika” “We” “our” or “Us” is reference to Shade Goldcoast Limited, Betika and or its successors in title and assigns;</li><li>Shade Goldcoast Limited t/a Betika, is licensed and regulated by the Gaming Commission of Ghana (\"GCG\") under the Gaming Act, 2006 (Act 721);</li><li>Betika is a licensed trademark owned by Betika International Limited and operated by Shade Goldcoast Limited and/or its affiliates and group companies. Shade Goldcoast Limited is a company registered under the Companies Act, 2019 (Act 992) and having its registered address registered office at G4 334 7877, East Legon Bissau Avenue, Ghana and postal address at GT Accra YK1122, Ghana.</li><li>Reference to “You” “Your’ the “Player” or “Customer(s)” is reference to any person using the Service.</li><li>Reference to \"Applicable Laws\" means all duly promulgated applicable state and local laws, regulations, rules, ordinances, codes, decrees, judgments, directives, judicial or administrative orders, permits and other duly authorized actions of any government authority having the force of law in the Republic of Ghana as they may be issued and enforced from time to time.</li><li>Reference to \"Data Protection Laws\" means any law, statute, subordinate legislation, regulation, order, mandatory guidance or code of practice, judgment of a relevant court of law, or directives or requirements of any regulatory body which relates to the protection of individuals with regard to the processing of personal data to which You are subject including the Data Protection Act, 2012 (ACT 843) and any statutory modification or re-enactment thereof.</li><li>It is important that you read these Terms together with any other policy (including our Data Privacy Policy or any privacy policy we may provide on specific occasions when we are collecting or processing personal data about You so that You are fully aware of how and why we are using your Personal Data. These Terms supplement other policies and terms and is not intended to override them. We also recommend that you print a copy of these Terms for future reference.</li></ul></div>"
        },
        {
          "id": "1.2",
          "title": "INTRODUCTION",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>1.1. These Terms constitute a binding contract between You and Betika. These Terms apply to all services offered by Betika as described in paragraph 1.2. below</li><li>1.2. The Service includes:<ul style=\"list-style-type:disc\"><li>Betika’s Website (<a href=\"https://www.betika.com\">www.betika.com</a>) and any other remote product We may offer from time to time (“Website”);</li><li>Betika’s mobile application;</li><li>Betika's Tele-betting services i.e., betting via USSD or SMS; and</li></ul></li><li>1.3. The Terms apply equally irrespective of whether the Service is accessed via telephone, desktop browser, mobile browser, mobile, tablet device, or any other available channel.</li><li>1.4. By using the Service (including visiting any element of the Service, by entering any details into the Service or by opening an account to access the Service), You agree that: -<ul style=\"list-style-type:disc\"><li>You have read, understood, and accepted these Terms;  </li><li>You are bound by the content as specified in these Terms;</li><li>You are bound by the applicable rules relating to the games or products You are playing;</li><li>You are above the age of majority in the Republic of Ghana;</li><li>You are of sound mind and take responsibility for Your own actions and can enter into this contract with us, which is enforceable by law;</li><li>You have sought independent legal and tax advice before accepting these Terms;</li><li>You are responsible for complying with all Applicable Laws;</li><li>There is a risk of losing money and You accept full responsibility for such losses appreciating that our Service is a form of entertainment/pastime and not an investment;</li><li>You will only use the Service for lawful purposes and in a lawful manner;</li><li>You have not been excluded or self-excluded from the Service and similar services;</li><li>You have not sought the intervention of the Gaming Commission of Ghana (\"GCG\") or any other competent government authority for exclusion from accessing all gaming facilities and/or platforms;</li><li>You will only use the Service in compliance with Applicable Laws in the Republic of Ghana;</li><li>You will not use the Service in any way which could be considered offensive. For purposes of this clause,<strong>“Offensive Content”</strong>means any content:<ol style=\"list-style-type:lower-roman\"><li>that is in breach of law, including obscene, pornographic, defamatory, or offensive messages, that can be construed as hate speech or which can reasonably be seen as causing the recipient to feel embarrassed, abused, ridiculed, humiliated, assaulted, harassed or offended;</li><li>whose communication to the public would result in an infringement of third-party intellectual property rights or right to privacy;</li><li>which promotes a prohibited substance or product;</li><li>which promotes a product, substance, or service whose sale to minors is prohibited; or</li><li>which promotes a product, substance, or service whose promotion, advertising or marketing is restricted by law.</li></ol></li></ul></li><li>1.5. In addition, as part of these Terms, You agree to be bound by:<ul style=\"list-style-type:disc\"><li>The rules applicable to sports betting, virtual sports, Jackpot, casino, or any other products that may be provided from time to time. The rules are available in the “Legal” section of this Website:</li><li>The Sports Betting Rules;</li><li>The Privacy Policy; and</li><li>The Responsible Gaming Policy.</li></ul></li></ol>"
        },
        {
          "id": "1.3",
          "title": "Amendments to the terms",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>2.1. Betika keeps these Terms under regular review. Previous versions of our Terms can be obtained by contacting us at <a href=\"mailto:support@betika.com\">support@betika.com</a>. Betika reserves the right to update the Terms from time to time in order to address legal and regulatory changes, to incorporate changes in our business or the services offered, or to improve the clarity of the Terms.</li><li>2.2. All changes will be published on the Website. The most-up-to-date Terms will be available on the Website. If you continue using the Services after the date on which the Terms come into effect, you will be deemed to have accepted those changes.</li></ol>"
        },
        {
          "id": "1.4",
          "title": "Account Registration",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>3.1. To register an account with Betika, You must be at least 18 years old. Betika reserves the right to ask for proof of age from any customer and suspend their account until satisfactory documentation is provided. You must keep your account registration details confidential and do not disclose the same to any third party. If You know or suspect that anyone other than You knows your username registration details or password, you must promptly notify Us at<a href=\"mailto:support@betika.com\">support@betika.com</a></li><li>3.2. Where an underage user is discovered, Betika reserves the right to close the account indefinitely. ALL funds deposited in such account will be forfeited. Betika shall also report the incident to GCG, or any other relevant authority and the player shall suffer the consequences of such reporting.</li><li>3.3. We also reserve the right to disable your account and password, whether chosen by You or allocated by Us, at any time, if in our reasonable opinion You have failed to comply with any of the provisions of these Terms.</li><li>3.4. As part of the registration process, You will be required to enter Your personal details which include Your mobile phone number. It is important that the personal data we hold about You is accurate and current. Please keep us informed if your personal data changes during your relationship with Us. Your personal data will be treated with the strictest confidentiality and will be processed and stored in accordance with our Data Privacy Policy the relevant Data Protection Laws.</li><li>3.5. We may need to request specific information from You to help Us confirm Your identity and ensure Your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact You to ask You for further information in relation to Your request to speed up our response.</li><li>3.6. We are required to make appropriate checks to verify your identity, and, in certain circumstances, the source of any funds deposited in your Account (<strong>“Verification Checks”</strong>). You authorize us to undertake the Verification Checks that we believe are required and agree to provide any information and evidence in respect of any details you have provided us when we request them. This may include certified ID, proof of address, passport, or bank statements.</li><li>3.7. You may not access the Services by means of another person's account. Should You attempt to access the Service by means of another person’s account, We reserve the right to immediately close all Your accounts and bar You from future use of any of our Services.</li><li>3.8. You may not transfer Your account to any other player or third party.</li><li>3.9. You are required to keep Your registration details up to date at all times. If You change Your phone number or any other contact or personal information, please contact us in order to update Your account information in accordance with clause 3.4. Betika reserves the right to close the account when the information provided is deemed to be false or inaccurate.</li><li>3.10. We will only use Your personal data in accordance with the Applicable Laws and our Privacy Policy. We will get Your express opt-in consent before we share your personal data with any third party for marketing purposes.</li><li>3.11. You can ask Us or third parties to stop sending You marketing messages at any time by contacting Us at any time.</li><li>3.12. Where You opt out of receiving these marketing messages, this will not apply to personal data provided to Us as a result of a product/service purchase, warranty registration, product/service experience or other transactions.</li></ol>"
        },
        {
          "id": "1.5",
          "title": "Account security and privacy",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>4.1. As you are responsible for all bets placed on your account, You must keep Your account access information (“Access Information”) including Your username, password, account number or any other information used to access Your account secret and confidential. Betika shall not be held liable in such cases.</li><li>4.2. If there are sufficient funds in your accounts, all Bets will stand if your username and password have been entered correctly (whether or not authorized by You).</li><li>4.3. If, at any time, You feel that a third party may be aware of your Access Information, You should change it immediately via the Website. Please contact us if you are unable to make the changes.</li><li>4.4. Our Website may include links to third-party websites plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their terms and conditions and any applicable privacy statements. When you leave Our website, we encourage You to read the privacy policy of every website you visit.</li><li>4.5. You can set Your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of Our website may become inaccessible or not function properly.</li><li>4.6. Should you lose your account details or believe that someone else may have your Access Information, you should contact us using the contact details set out under clause 14.1 below.</li></ol>"
        },
        {
          "id": "1.6",
          "title": "Dormant Accounts",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>5.1. Your account shall be considered dormant where it has not had any activity for six (6) months. Account activity is defined as the following: (i) making a deposit (ii) withdrawal or (iii) placement of a bet.</li><li>5.2. After the expiry of six (6) months, Betika reserves the right to close Your account and thereafter either refund the balance to You or where applicable deal with it in the manner provided for in law less any costs accruing thereon.</li></ol>"
        },
        {
          "id": "1.7",
          "title": "Account Closure",
          "miniCategories": [
            {
              "id": "1.7.1",
              "title": "By Player",
              "content": "<ol style=\"list-style-type:none\"><li>6.1. If You want to close Your account, You should inform Us in writing, by sending an email to<a href=\"mailto:accountclosure@betika.com\">accountclosure@betika.com</a>or by hand delivery to our office premises at GA-1010-2670, Number D44/2B, Adabraka, Main Road, Adabraka, Kwame Nkrumah Avenue, Ghana.</li><li>6.2. Any activity on Your account will remain Your responsibility up to the point of actual account closure. You are encouraged not to undertake any further transactions after your account closure request. We encourage you to reach out to the various professionals as listed in our responsible gaming policy if you suspect that you are addicted to gaming and may require assistance.</li><li>6.3. Any other requests (other than written requests) will not be considered, and you will be requested to send a<strong>written</strong>request after the request via telephone or other non-written means has been made.</li><li>6.4. Before you send your request for account closure, make a withdrawal of funds from your Betika wallet to your mobile wallet.</li><li>6.5. It is our policy not to close any accounts before all available funds have been withdrawn from the account or Betika wallet in question</li><li>6.6. Ensure that in your written request you have provided a copy of your<strong>national ID, full name and the mobile number</strong>used to register your Betika account. In your account closure request, you will need to<strong>declare that the mobile number, which is a unique identifier for your account, is registered in your name by the mobile services operator;</strong></li><li>6.7. Where the withdrawal has been effected and all the above information and documentation has been received by Us, then the account may be suspended within a period of five (5) business days;</li><li>6.8. You agree to be diligent to ensure that the withdrawal has been made from Your Betika wallet and all the information and documentation above has been sent in full;</li><li>6.9. Should You wish to resume Your use of the Service, You will be required to open a new account in accordance with these Terms as amended from time to time.</li><li>6.10. We may withhold any outstanding balance or outstanding bet settlements in respect of Your account in accordance with the terms under Prohibited Acts as defined under clause 7 below, Errors and Palpable Errors as defined under clause 11 and 24 respectively following our review of your account activity.</li><li>6.11. We will endeavour to effect account closure requests within the shortest period from the date of receipt, during which period we will undertake due diligence on the account activity and make inquiries with mobile money service providers, and other relevant Government Agencies (altogether referred to as the \"Background Checks\"). This due diligence exercise applies to all account closure requests and may delay the turnaround time for effecting such requests.</li></ol>"
            },
            {
              "id": "1.7.2",
              "title": "By Betika",
              "content": "<ol style=\"list-style-type:none\"><li>6.12. Upon review of your account activity and confirmation of a breach of these Terms and Conditions, such as engaging in Prohibited Acts, we may suspend your account or permanently close it if:</li><ul style=\"list-style-type:disc\"><li>in our reasonable opinion, your continued use of our Services may lead to non-compliance with our obligations under the law; and/or</li><li>if you have placed bets and/or played online games with any other online provider of gambling services and are suspected (as a result of such play) of behaviour equivalent to any Prohibited Acts or irresponsible gaming in relation to those other gambling services.<ol></ul><li>6.13. We may withhold any outstanding balance or outstanding bet settlements in respect of Your account in accordance with the terms under Prohibited Acts, Errors as defined under clause 11 and Palpable Errors as defined under clause 24 following our review of your account activity.</li><li>6.14. Following account closure, any stake, winnings, promotional bonuses, benefits, or prizes will be forfeited by You in accordance with these Terms and Conditions.</li><li>6.15. Before a customer’s account is closed, Betika will:<ul style=\"list-style-type:disc\"><li>Investigate and confirm whether a Prohibited Act occurred;</li><li>Once we determine a Prohibited Act has occurred, we will communicate it to the Customer and any gains or winnings received directly or indirectly as a result of the Prohibited Act, shall be forfeited;</li><li>We will thereafter refund the customer’s stake less any statutory deductions (such as tax) where applicable; and</li></ul></li><li>6.16. In addition to any other remedy available to us, if we have reason to believe that you are in breach of the Terms, we shall be entitled to recover from your Account any positive balance up to the amount we reasonably claim against you.</li></ol>"
            }
          ]
        },
        {
          "id": "1.8",
          "title": "Prohibited acts",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li><p>7.1. The following acts (“<strong>Prohibited Acts</strong>”) are expressly prohibited in relation to Your use of the Service and will constitute a material breach of the Terms and will invalidate all transactions where such Prohibited Acts occur:</p><ol style=\"list-style-type:none\"><li>7.1..1. use of the service when underage</li><li>7.1..2. fraud or attempt to defraud</li><li>7.1..3. money laundering (including where this is linked to terrorist funding)</li><li>7.1..4. involvement in collusion, match-fixing, or cheating of any kind</li><li><span>7.1..5. placing bets:<ul style=\"list-style-type:disc\"><li>which may breach the governing rules and Applicable Laws of the relevant sport or event in question</li><li>which may jeopardize the integrity of the sport or event in question;</li><li>on an event that has already occurred or there is a clear indication of the likely outcome</li><li>on the basis of ‘inside information’ known to the customer and which is not in the public domain</li></ul></span></li><li>7.1..6. any other criminal activity</li><li>7.1..7. bonus or promotional abuse</li></ol></li><li><p>7.2. Where We have reason to believe that You (or Your account) are connected to Prohibited Act(s), or that You are in breach of the Terms of Your Agreement, We will have the right at our sole discretion in respect of any Betika account held by You to:<ul style=\"list-style-type:disc\"><li>refuse a bet or any part of a bet offered to us;</li><li>void any accepted bets and withhold settlement (there may be other instances where we may void a bet as detailed under the specific sport/event in our rules, or otherwise as instructed by the appropriate regulator or authority);</li><li>permanently close your account(s) and terminate this agreement;</li><li>withhold all or part of your account balances or stakes (which will be deemed as forfeited by you);</li><li>inform the applicable authorities and regulator and supply the relevant customer information.</li></ul></p></li><li>7.3. We will not be liable for any loss or damage which you may incur as a result of any Prohibited Acts. You agree to cooperate in any investigation in respect of Prohibited Acts.</li><li>7.4. You agree to use the Service, including all features and functionalities associated therewith, in accordance with all Applicable Laws, rules and regulations, or other restrictions on use of the Service or content therein. You agree not to archive, reproduce, distribute, modify, display, perform, publish, license, create derivative works from, offer for sale, or use (except as explicitly authorized in these terms and conditions) content and information contained on or obtained from or through the Service. You also agree not to: circumvent, remove, alter, deactivate, degrade, or thwart any of the content protections in the Service; use any robot, spider, scraper or other automated means to access the Service; decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Service; insert any code or product or manipulate the content of the Service in any way; or use any data mining, data gathering or extraction method. In addition, you agree not to upload, post, e-mail or otherwise send or transmit any material designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment associated with the Service, including any software viruses or any other computer code, files or programs. We may terminate or restrict your use of our service if you violate these terms or are engaged in illegal or fraudulent use of the service.</li></ol>"
        },
        {
          "id": "1.9",
          "title": "Promotional offers",
          "miniCategories": [],
          "content": "<ol style=\"list-style:none\"><li>8.1. The terms of these promotional offers will be clearly stated for each individual promotion. It is Your responsibility to ensure that these terms are read and fulfilled by You in order to qualify for the respective bonus, credit, or prize, and also to facilitate any subsequent redemption and/or withdrawal. All promotional terms are to be read in conjunction with these Terms.</li><li>8.2. Betika specifically retains the rights, at any time and without notice, to remove, alter or add to promotions, tournaments, or similar and related activities without liability to You.</li><li>8.3. We may from time to time offer special promotional offers (“Offers”). Offer eligibility is determined by Betika at its sole discretion and we reserve the right to revoke an Offer and put your account on hold in the event that we determine you are not eligible.</li></ol>"
        },
        {
          "id": "1.11",
          "title": "Self-exclusions",
          "miniCategories": [],
          "content": "<p>For a few customers gambling might become a serious problem. We offer a self-exclusion option that can be easily implemented upon customer's request.</p><p>To self-exclude from accessing our products:</p><ol style=\"list-style-type:none\"><li>9.1. Please contact Customer Services via email:<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>and give clear written instructions of the self-exclusion measure, and the period of exclusion you would like implemented on your specific account.</li><li>9.2. Before you send your request for self-exclusion, make a withdrawal of funds from your Betika wallet to your mobile wallet.</li><li>9.3. It is our policy not to suspend or exclude any accounts before all available funds have been withdrawn from the account or Betika wallet in question.</li><li>9.4. Ensure that in your written request you have provided a copy of your national ID, full names and the mobile number used to register your Betika account. In your self-exclusion request, you will need to declare that the mobile number, which is a unique identifier for your account, is registered in your name by the mobile services operator.</li><li>9.5. Where the withdrawal has been effected and all the above information and documentation has been received by us, then the account may be suspended within a period of five (5) business days after all the Background Checks have been completed.</li><li>9.6. The customer ought to be diligent to ensure that the withdrawal has been made from their Betika wallet and all the information and documentation above has been sent in full.</li><li>9.7. Once the self-exclusion application is made by you, you are advised not to place any bets as that would rescind the existing application. Any running bets placed prior to self-exclusion applied will continue to be in place and any winnings will be credited into your account as soon as the event is settled.</li><li>9.8. Access to account and our games and services will be restricted throughout the self-exclusion period.</li><li>9.9. We will endeavor to effect self-exclusion requests within the shortest period business of their receipt, during which period we will undertake due diligence on the account activity and make inquiries with mobile money service providers, and other relevant Government Agencies. This due diligence exercise applies to all self-exclusion requests and may delay the turnaround time for effecting such requests.</li><li>9.10. Where we have many requests, for instance during peak seasons such as international football seasons, there may be delays in processing your application for self-exclusion. We encourage you, in any event, to engage the Responsible Gaming options and meet a counsellor to assist in your gambling journey.</li><li><p><strong>Automatic lapse:</strong>Where 6 months lapse with no transactions in Your account, Your account will lapse automatically. The automatic lapse shall only be rescinded by any positive action to transact or place any bets using Your respective Betika account.</p><p>Once self-excluded, you will not be allowed to register a new account. Any request for a new account during self-exclusion period in force will be declined. Where a new account belonging to a selfexcluded customer is detected, it will be suspended and closed immediately. Any transaction you undertake within the new account after existing account is self-excluded would be voided, may be considered a Prohibited Act under our General Terms and Conditions and stake returned and you will be notified accordingly.</p><p>At the end of the self-exclusion period requested by You, , the self-exclusion feature will remain in place and continue to be in force for a minimum of seven (7) years, unless you take positive action to gamble again by requesting the exclusion to be removed and/or the account to be re-activated.</p><p>You<strong>MUST</strong>contact Customer Services by email only after the period has expired in order to reactivate and to re-gain access to the account and be able to place bets. Any other requests (other than by email) will not be considered (You will be requested to send a written request after the request via telephone has been made).</p><p>Betika reserves the right to exclude a Customer for a longer period at our discretion. This may include instances where Betika is informed by legitimate sources (e.g., regulators or other authorities, authorized professional organizations, authorized medical professional etc.) that may warrant extension of a customer’s self-exclusion period.</p></li></ol>"
        },
        {
          "id": "1.12",
          "title": "Placing Bets",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>10.1. You can only place a bet if You have been duly registered with Betika and an account has been opened and assigned to You.</li><li>10.2. All bets are subject to the Rules for the relevant sport/market/game set out In the “<strong>How to Play</strong>” Section of the Website.</li><li>10.3. Betika reserves the right to decline all, or part, of any bet requested at our sole and absolute discretion. All bets are placed at your own risk and discretion.</li><li>10.4. It is Your responsibility to ensure that Your bet details are accurate. Betika reserves the right to cancel any bet at any time.</li><li><span>10.5. Without limiting our discretion to refuse or limit bets at our discretion, You agree that We may void any bets in our absolute discretion if: -<ol style=\"list-style-type:none\"><li>10.5..1. We suspect that You have engaged in any Prohibited Acts;</li><li>10.5..2. You have breached any of these Terms;</li><li>10.5..3. There is a technological error related to the Service or placing of Your bet;</li><li>10.5..4. We are required to do so by any law or regulation.</li></ol></span></li><li>10.6. Bets will not be placed if there are insufficient funds in your account.</li></ol>"
        },
        {
          "id": "1.13",
          "title": "Errors",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>11.1. Betika will not be liable for any errors in respect of bets including where:- (i) Betika has incorrectly stated the relevant odds/spreads/handicap/total amounts (ii) Betika incorrectly continues to accept bets on closed or suspended markets; (iii) Betika incorrectly calculates or pays settlement amounts; or (iv) any error occurs in a random number generator or pay tables included, incorporated or used in any game or product.</li><li>11.2. We reserve the right to void any winnings that were obtained as a result of hardware/software error or malfunction. We are not liable to You for any loss that You may incur as a result of such suspension or delay.</li><li>11.3. We are not liable for any downtime, server disruptions, lagging, or any technical disturbances or disruptions to the game play. We are not liable for any acts or omissions made by Your internet service provider or any third party with whom You rely upon to gain access to our Services.</li></ol>"
        },
        {
          "id": "1.14",
          "title": "Financial Matters and Payments",
          "miniCategories": [
            {
              "id": "1.14.1",
              "title": "Deposits",
              "content": "<ol style=\"list-style-type:none\"><li>12.1. You may deposit money into Your Betika account either through Your mobile money wallet.</li><li>12.2. You shall only deposit money in Your account for the purposes of You using such money to place bets or stakes on our platforms. Betika shall be entitled to suspend or close Your account if Betika reasonably considers or has reason to believe that You are depositing money without any intention of placing bets.</li><li>12.3. By depositing funds with Betika You certify that the funds You deposit in Your account are not from an illegal source. You shall not use the Service for the purpose of transferring such funds from illegal sources. You will not use our Services for any illicit or fraudulent activity, or for any unlawful or fraudulent transactions. We reserve the right to suspend or close Your account at any time if We suspect that You may be engaging in, or have engaged in fraudulent, unlawful, or improper activity, including money laundering activities or any conduct which violates these Terms. If Your account is terminated or blocked for these reasons, We are under no obligation to refund to You any money that may be in Your account. In addition, We are entitled to inform relevant authorities of Your suspected unlawful, fraudulent, or improper activity.</li></ol>"
            },
            {
              "id": "1.14.2",
              "title": "Payments or Withdrawals",
              "content": "<ol style=\"list-style-type:none\"><li>12.4. The “<em>Potential Win</em>” calculation available on the Website is for information purposes only, and all bets will be calculate using the stake/risk at the odds accepted.</li><li>12.5. Should You include a non-runner or void selection in a multiple bet/parlay, the bet will be settled on the remaining selections.</li><li>12.6. We reserve the right to withhold payment and to declare bets on an event void if we have evidence that the following has occurred: (i) the integrity of the event has been called into question; (ii) the price(s) or pool has been manipulated; or (iii) match-fixing has taken place. Evidence of the above may be based on the size, volume or pattern of bets placed with us across any or all of our betting channels. Any decision made by us in this regard will be conclusive. If any customer owes any money to us for any reason, we have the right to take that into account before making any payments to that customer.</li><li>12.7. Winnings from settled bets are added to the balance of your betting account. Any funds/winnings credited to an account in error are not available for use and Betika reserves the right to void any transactions involving such funds and/or withdraw the relevant amount from your account and/or reverse the transaction either at the time or retrospectively.</li><li>12.8. We reserve the right to undertake reasonable diligence and Background Checks to verify the validity of any bets, wagers, or winnings as a precondition to paying out any wins or permitting player withdrawals.</li><li>12.9. You will incur the relevant mobile network carrier charges when using SMS services. The charges shall be communicated to you from time to time.</li><li>12.10.Any monies held in Your account shall<strong style=\"text-decoration:underline\">NOT</strong>attract interest.</li><li>12.11. You are solely responsible for any applicable taxes on any stake, prizes and/or winnings that You collect from Your use of the Service over and above the taxes collected by us on Your behalf. We will deduct applicable taxes from any stake, prizes, or winnings prior to payment to You; as a result, You acknowledge and agree that any amounts You receive shall be net of such deductions.</li><li>12.12. Betika reserves the right to monitor any irregular activity. We further reserve the right to withhold any withdrawals and/or confiscate all winnings which We reasonably believe to be related to irregular activity.</li></ol>"
            }
          ]
        },
        {
          "id": "1.20",
          "title": "Indemnity",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>13.1. You agree fully to indemnify, defend and hold us, and our officers, directors, employees, agents, contractors and suppliers, harmless immediately on demand, from and against all claims, liabilities, damages, losses (including direct, indirect, or consequential losses), loss of profit, loss of reputation and all interest, penalties, costs and expenses including legal fees, arising out of any breach of the Terms by You or any other liabilities arising out of Your access and use of the Service (or by anyone else using Your access information and/or accessing Your account).</li><li>13.2. The Customer shall observe all Applicable Laws. Under no circumstances shall Betika be held liable or responsible for Your failure to adhere to all Applicable Laws. You agree that You will bear the results of any failure on Your part to adhere to the Applicable Laws.</li><li>13.3. Any breach of the Terms will be regarded as a material breach and entitles us to terminate our Agreement with You immediately. We may use monies in Your account to settle any liabilities We may incur as a result of any such breach.</li></ol>"
        },
        {
          "id": "1.21",
          "title": "Complaints",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>14.1. If You have a complaint or experience any difficulties, please contact our customer service center on<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>or by way of telephone number<a href=\"tel:+233596921292\" style=\"text-decoration:none;color:unset\">+233596921292</a>.</li><li>14.2. All written complaints will be processed and responded within fourteen (14) days of receipt of the complaint. We maintain records of complaints received and actions taken in response to the complaints.</li><li>14.3. If after our internal process has been fully exhausted, You remain unsatisfied as to the outcome of Your complaint, You have a right to escalate this complaint to GCG.</li><li>14.4. Any claim or dispute with regard to: (i) a Transaction; and/or (ii) a game you have played using the services, must be made within six (6) months from the date of that Transaction or gameplay. We reserve the right not to accept claims or disputes made after that six (6) month period.</li><li>14.5. Where permitted under the Applicable Laws, You agree that You may bring claims against Us only in your individual capacity, and not as a class member in any purported class or representative proceeding.</li></ol>"
        },
        {
          "id": "1.17",
          "title": "Warranty Disclaimers",
          "miniCategories": [],
          "content": "<strong>WARRANTY DISCLAIMERS</strong><ol><li>The Service is provided 'as is' and we make no warranties or representations, whether express or implied (whether by law, statute or otherwise) including but not limited to implied warranties and conditions of merchantability, non-infringement, satisfactory quality, fitness for a particular purpose, or compliance with Applicable Laws and regulations.<li>The entire risk as to the use, quality and performance of the Service is Yours. We make no warranty that the Service will meet Your requirements, be uninterrupted, timely, secure, or error-free. We also make no warranty that defects will be corrected or that the software or server that makes the Service available is free from viruses or bugs. We make no warranty or representation that the full functionality, accuracy, and reliability of the Service as to results or accuracy of any information obtained by You.<li>Betika reserves the right to suspend, modify or remove or add to our Website any games or software at our sole discretion with immediate effect and without notice. Any stakes placed on markets affected by changes in software and games will be refunded immediately to the customer. Betika shall not be liable to customers for any anticipated loss of winnings suffered resulting from any changes or modification or suspension or discontinuance of the Service and shall have no claims against Betika in such regard.<li>We do not take responsibility for computer malfunctions, failure of telecommunications service or Internet connections nor attempts by You to participate in games by methods, means or ways not intended by us.<li>We cannot guarantee that the Service will never be faulty, but We will undertake efforts to correct reported faults as soon as We reasonably can. If a fault occurs, You should report the fault by e-mail or in writing to our customer service center.<li>Although We shall take all reasonable measures to ensure that the Service is free from computer viruses, We cannot and do not guarantee that the Service is free of such problems. It is Your responsibility to protect Your systems and have in place the ability to reinstall any data or programs lost due to a virus. In addition to this, it is Your responsibility to ensure that You keep in safe custody all devices and log-in credentials used by You to access Our Service(s) to prevent any other person from accessing Our Service(s) using Your device(s) and/or log-in credentials.<li>We may temporarily suspend the whole or any part of the Service for any reason at Our sole discretion. We may, but shall not be obliged to, give You as much notice as is reasonably practicable of such suspension. We will restore the Service, as soon as is reasonably practicable, after such temporary suspension.</ol>"
        },
        {
          "id": "1.23",
          "title": "Intellectual Property",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>16.1. The Intellectual Property Rights referred to under these Terms generally include, but are not limited to; patents, utility models, rights to inventions, copyright and neighboring and related rights, moral rights, trademarks and service marks, business names and domain names, rights in get-up and trade dress, goodwill and the right to sue for passing off or unfair competition, rights in designs, rights in computer software, database rights, rights to use, and protect the confidentiality of, confidential information (including know-how and trade secrets) and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future in any part of the world.</li><li>16.2. All Intellectual Property Rights in the Services (including in the content of the website and mobile application and the software) arising in connection with this agreement shall be the property of the Betika.</li><li>16.3. The Service is intended solely for personal and non-commercial use by You. In any event, no one is authorized to copy, modify, tamper with, distribute, transmit, display, reproduce, upload, or otherwise alter the content of our Service(s).</li><li>16.4. In provision of its Services, Betika may use its pre-existing proprietary computer software, methodology, techniques, software libraries, tools, algorithms, materials, products, ideas, skills, designs, franchises, know-how or other intellectual property owned by Betika or its licensors/affiliates and Betika may also create additional intellectual property, in the performance of the Services (all of the foregoing, the “Betika Intellectual Property”). The Customer agrees that any and all proprietary rights to the Betika Intellectual Property, as it existed as of the date hereof and as it may be modified or created in the course of providing the Services, including patent, copyright, trademark, and trade secret rights, to the extent they are available, are the sole and exclusive property of Betika, free from any claim or retention of rights thereto on the part of the Customer, and the Customer hereby assigns to Betika any rights it may have in any of the foregoing.</li><li>16.5. You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from Us or our licensors/affiliates.</li><li>16.6. If you print off, copy, download, share or repost any part of our website in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.</li><li><span>16.7. You shall not conduct, facilitate, authorize or permit any text or data mining or web scraping in relation to our website or any Services provided via, or in relation to, our website. This includes using (or permitting, authorizing or attempting the use of):<ul style=\"list-style-type:lower-alpha\"><li>Any \"robot\", \"bot\", \"spider\", \"scraper\" or other automated device, program, tool, algorithm, code, process, or methodology to access, obtain, copy, monitor or republish any portion of the website or any data, content, information, or services accessed via the same.</li><li>Any automated analytical technique aimed at analyzing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.</li></ul></span></ol>"
        },
        {
          "id": "1.24",
          "title": "Third Party Content",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>17.1. Betika receives feeds, commentaries, and content from a number of suppliers. Certain thirdparty product providers may require the Customer to agree to additional Terms and Conditions governing the use of their feeds, commentaries, and content. If the Customer does not accept the relevant third-party Terms and Conditions, the Customer acknowledges that he/she may not use the relevant feeds, commentaries, or content.</li><li>17.2. Betika does not accept any liability in respect of third-party feeds, commentaries, and content.</li><li>17.3. Where links to third party resources appear on our Services and/or any other media/electronic platform, these links are provided for the information of the Customer only. Betika is not responsible and has no control over the content of third-party Websites sites or services offered therein, does not make any representations regarding the content or accuracy of materials on such third-party Websites and will accept no liability for any direct or indirect loss or damage that may arise from the access or use of the information provided therein by the Customer. The inclusion of a link to a third party does not constitute an endorsement of that third party’s product or services (if applicable)</li></ol>"
        },
        {
          "id": "1.25",
          "title": "Our Liability",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>18.1. We do not guarantee that Our site will be secure or free from bugs or viruses.</li><li>18.2. You are responsible for configuring Your information technology, computer programmes and platform to access our site. You should use Your own virus protection software before and during your access to our Services.</li><li><span>18.3. The Website and the Service (including all material and information displayed on or via the Website and the Service) are provided without any guarantees, conditions, or warranties as to their accuracy. Save where otherwise set out in these Terms and Conditions, and to the extent permitted by Applicable Law, We, the Software Provider, and any of our or their affiliates and related parties, hereby expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law, or the law of equity; and We exclude all liability for:-<ul style=\"list-style-type:disc\"><li>any error made due to the input of incorrect information by You;</li><li>any fraud, deception, or misrepresentations by You;</li><li>our decision not to accept a deposit from You;</li><li>any delay in receiving or accepting a deposit by Us or withholding a withdrawal by us for the purpose of conducting identity verification procedures;</li><li>use of Your Account for purposes that may be considered illegal under Applicable Laws;</li><li>any transactions on Your Account which are conducted after the correct entry of Your username and password (or other log in credentials), including any actions or transactions by an individual that uses Your username and password (or other log in credentials). This includes authorized or unauthorized access of Your Account;</li><li>any unauthorized interception or use of data relating to You or Your Account;</li><li>any inability to use or access Our Service(s) for any reason;</li><li>any cause over which We do not have direct control, including problems attributable to computer hardware or software (including computer viruses and including the Software), data transmission systems, telephone or other communications, or internet service providers;</li><li>the loss of any transactions caused by the loss or malfunction of any communications device used by Yourself or any entity relaying information between You, us, or any other payment solution company;</li><li>the accuracy, completeness or currency of any information services provided (including, without limitation, prices, runners, times, results, or general statistics) or any live scores, statistics and intermediate results shown on Our Services;</li><li>any undelivered e-mail communications;</li><li>the quality or availability (or lack thereof) of Our Services;</li><li>any results of any acts of government or authority or any force majeure event;</li><li>any losses that were not foreseeable to both parties when the contract between You and Betika was formed;</li><li>any losses arising from Your breach of these Terms and Conditions;</li><li>any losses which are not caused by a breach of these Terms and Conditions on our part;</li><li>business losses;</li><li>the defamatory, offensive, or illegal conduct of any other customer;</li><li>any loss whatsoever arising from the use, abuse, or misuse of Your Player account or any of Our products and Services and the corresponding Website;</li><li>any loss incurred in transmitting information to the Website by the internet or by e-mail;</li><li>any failure on our part to interact with You where We may have concerns about Your activities</li></ul></span></li></ol>"
        },
        {
          "id": "1.26",
          "title": "Your Liability",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li><span>19.1. You agree to fully indemnify, defend and hold us (and our affiliates , employees, agents and/or partners) free from any claims, liabilities, costs, damages and expenses (including legal fees) that may arise as a result of:<div><br /><ul style=\"list-style-type:disc\"><li>Your breach of these Terms; and</li><li>Unauthorized access and use of Our Services by You or by anyone else using Your username and password and any other log in credentials. You must not misuse Our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse and Cybercrimes Act (No. 5 of 2018). We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, Your right to use our website will cease immediately.</li></ul></div></span></li></ol>"
        },
        {
          "id": "1.27",
          "title": "Alteration Of The Website",
          "miniCategories": [],
          "content": "<p>Betika may, in our absolute discretion, alter or amend any product or service (including any prices offered) available through the website (<a href=\"https://www.betika.com.gh\" target=\"_blank\" style=\"text-decoration:none;color:unset\">www.betika.com.gh</a>) at any time for the purpose of ensuring the ongoing provision of the website, but without prejudice to any games and/or bets already in progress at the time of such amendment. From time to time, we may restrict you from accessing some parts of the website for the purpose of maintenance of the website and/or alteration or amendment of any of the games and/or products available through the website.</p>"
        },
        {
          "id": "1.28",
          "title": "Miscellaneous",
          "miniCategories": [
            {
              "id": "1.28.1",
              "title": "Force majeure",
              "content": "<p>Force Majeure Event means any circumstance not within a party's reasonable control including, without limitation:<ul><li>acts of God, flood, drought, earthquake, or other natural disaster;</li><li>epidemic or pandemic;</li><li>terrorist attack, civil war, civil commotion or riots, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, or breaking off of diplomatic relations;</li><li>nuclear, chemical, or biological contamination or sonic boom;</li><li>any law or any action taken by a government or public authority, including without limitation imposing an export or import restriction, quota, or prohibition, or failing to grant a necessary licence or consent;</li><li>collapse of buildings, fire, explosion, or accident; and</li><li>interruption or failure of utility service.</li><li>Provided it has complied with this agreement, if a party is prevented, hindered, or delayed in or from performing any of its obligations under this agreement by a Force Majeure Event (<strong>Affected Party</strong>), the Affected Party shall not be in breach of this agreement or otherwise liable for any such failure or delay in the performance of such obligations. The time for performance of such obligations shall be extended accordingly.</li><li>The corresponding obligations of the other party will be suspended, and it's time for performance of such obligations extended, to the same extent as those of the Affected Party.</li><li>The Affected Party shall:</li><li>as soon as reasonably practicable after the start of the Force Majeure Event, but no later than 7 days from its start, notify the other party in writing of the Force Majeure Event, the date on which it started, its likely or potential duration, and the effect of the Force Majeure Event on its ability to perform any of its obligations under the agreement; and</li><li>use all reasonable endeavours to mitigate the effect of the Force Majeure Event on the performance of its obligations.</li><li>If the Force Majeure Event prevents, hinders, or delays the Affected Party's performance of its obligations for a continuous period of more than four (4) weeks,</li><li>the party not affected by the Force Majeure Event may terminate this agreement by giving thirty (30) days written notice to the Affected Party.</li></ul></p>"
            },
            {
              "id": "1.28.2",
              "title": "Waiver",
              "content": "<ul><li>A waiver of any right or remedy under this agreement or by law is only effective if given in writing and shall not be deemed a waiver of any subsequent right or remedy.</li><li>A failure or delay by a party to exercise any right or remedy provided under this agreement or by law shall not constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict any further exercise of that or any other right or remedy. No single or partial exercise of any right or remedy provided under this agreement or by law shall prevent or restrict the further exercise of that or any other right or remedy.</li></ul>"
            },
            {
              "id": "1.28.3",
              "title": "Entire Agreement",
              "content": "<p>These Terms and Conditions, including any document expressly referred to in them, represent the entire agreement between You and Betika and replace any prior agreement, understanding or arrangement between You and Betika. Both parties acknowledge that neither party has relied on any representation, undertaking or promise made by the other except as expressly stated in these Terms and Conditions.<p>Where there is a conflict in any of Our Terms and Conditions, including but not limited to promotional offers, these General Terms and Conditions will apply.</p></p>"
            },
            {
              "id": "1.28.4",
              "title": "Transfer of Agreement",
              "content": "<ul><li>We may at any time assign or transfer any or all of our rights and obligations under these Terms and Conditions. In particular, We may assign or transfer our rights and obligations to any purchaser of all or part of our business. We may also subcontract or delegate in any manner any or all of our obligations under these Terms to any third party or agent.</li><li>These Terms are personal to You and You may not assign, sub-license or otherwise transfer in any manner whatsoever any of Your rights or obligations under these Terms and Conditions.</li></ul>"
            }
          ]
        },
        {
          "id": "1.29",
          "title": "Notices",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>22.1. You agree to receive communication and notices from Us. Communication and notices will be posted on any of our channels as decided by Us from time to time. All communication in electronic format will be considered to be \"in writing\" and to have been received, no later than five (5) business days after posting or dissemination, whether or not You have actually received or retrieved the communication. We reserve the right, but assume no obligation, to provide communication in paper format.</li><li>. Any notices required to be given in writing to us or any questions concerning these Terms & Conditions should be addressed to<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>.</li></ol>"
        },
        {
          "id": "1.30",
          "title": "Governing Law and Jurisdiction",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>23.1. These Terms and any disputes or claims (including non-contractual disputes or claims) arising out of or in connection with the Terms or its subject matter or formation shall be governed by and construed in accordance with the laws of the Republic of Ghana.</li><li>23.2. Any dispute arising between You and us out of or in connection with these terms and conditions shall be referred to arbitration by a single arbitrator to be appointed by the parties, or in default of such agreement, within ten (10) Business Days, upon the application of the aggrieved party, by an arbitrator appointed by the Chairperson for the time being of the Ghana Arbitration Centre and to the greatest extent permissible by Law, the decision of the Arbitrator shall be final and binding on both Parties.</li><li>23.3. However, this shall not prevent us from bringing any action in the court of any other jurisdiction for injunctive or similar relief.</li></ol>"
        },
        {
          "id": "1.31",
          "title": "Palpable Errors",
          "miniCategories": [],
          "content": "<ol style=\"list-style-type:none\"><li>24.1 While every effort is made to ensure there are no errors or omissions in respect of our products and services, the nature of human error or system problems means such circumstances may arise. A non-exhaustive list of “obvious errors” is outlined below:<br><br><ul style=\"list-style-type:disc\"><li>Odds or terms of either: a bet, market, selection or game wager have been misquoted as a result of human error (for example, information being inputted incorrectly, or markets being set up incorrectly) or due to computer malfunction;</li><li>A bet is accepted at a price or market condition which is significantly different from those available in the market at the time the bet was placed;</li><li>In the context of normal betting business, and the probability of the event occurring, a bet is accepted at a price which is obviously incorrect;</li><li>Bets have continued to be accepted on a market, selection or game which should have been suspended, or the market selection or game has already closed, or has been postponed, which are sometimes referred to as “late bets”;</li><li>The amount of winnings, returns or promotional benefits or bonuses paid to you are miscalculated as a result of human error or computer malfunction;</li><li>Where winnings are so obviously incorrect or materially different to those available in the market that this is a clear error or omission e.g., the price is recorded as 100-1 or the margins for handicap betting have been reversed;</li><li>An error has resulted from Prohibited Acts;</li></ul></li><li>24.2 In accordance with product rules, where a bet, market, selection or game wager should not have been accepted, we reserve the right (and at our sole discretion) whether, before, during or after bet placement and its corresponding resulting to:<br><br><ul style=\"list-style-type:disc\"><li>Cancel the bet, market, selection or game wager and either:</li><li>Correct the error on the bet, markets, selection or game wager placed and resettle the bet at the correct price or terms which were (or should have been) available to Us when the bet, market, selection or game wager was placed; or;</li><li>Void the entire market if any odds within that market were clearly incorrect;</li><li>Declare the bet, market, selection or game wager void and return the stake to Your account where correction is not reasonably practicable.; and</li><li>Take any further reasonable steps and actions deemed necessary by Betika to remedy the error, loss, or damages that Betika stands to suffer as a result of an error leading to an incorrectly accepted bet, market, selection or game wager.</li></ul></li><li>24.3 If funds are incorrectly credited to your account as a result of an error or omission (or otherwise any sum is incorrectly credited to your account):<br><br><ul style=\"list-style-type:disc\"><li>You are obligated to notify us as soon as reasonably possible and in any event in no more than four (4) days;</li><li>We reserve the right to deduct or reverse any incorrectly applied funds from your account. Where such funds have been withdrawn by You, We may demand that you make a full refund to Us and may take other recovery measures such as automatically debiting Your account whenever it has a positive balance.</li></ul></li><li>24.4 If you use incorrectly credited funds to place bets, we reserve the right to void all such related bets and reverse any winnings.</li><li>24.5 If incorrect stakes are deducted from your account:<br><br><ul style=\"list-style-type:disc\"><li>You are obliged to notify us as soon as reasonably possible and in any event in no more than four (4) days;</li><li>We reserve the right to void all such bets, markets, selections or game wagers and reverse any winnings;</li><li>If bets are placed using winnings related to bet(s) on which incorrect stakes were deducted, we reserve the right to void such bets, markets, selections or game wagers placed and reverse any winnings.</li></ul></li><li>24.6 In respect of any reversals, if no such funds are available in your account to make good any funds deficit resulting from the reversal (for example, where the funds have been withdrawn by you), we reserve the right to recover such funds from you (with interest at market rates) on demand. If necessary, we are permitted to off-set any subsequent amounts you deposit or win with us to make good this liability.</li><li>24.7 Errors relating to Prohibited Acts will be handled in accordance with clause 11 of these terms.</li><li>24.8 We shall not be liable for any loss of winnings (or other loss) following errors or omissions by us or you.</li></ol>"
        }
      ]
    },
    {
      "id": 4,
      "title": "Betika Website and Mobile App Privacy Policy",
      "subCategories": [
        {
          "id": "4.1",
          "title": "Introduction and General Terms",
          "miniCategories": [],
          "content": "<div><p>This Privacy Policy describes Our policies on collection, use, and disclosure of personal information and data collected from users of the Betika website and all variants thereof, including Our mobile app (hereinafter referred to as Our “<strong>Channels</strong>”).</p><p>At Betika, We are committed to protecting and respecting Your privacy and maintaining the confidence and trust of Our customers and users of Our Channels. We only collect and use information in ways that are useful to You and in a manner consistent with Your rights and Our obligations under Data Protection Laws and any other Applicable Laws.</p><p>This Policy explains how and why Your personal information is collected through the use of Our Channels and how such information is kept secure. Unless otherwise defined, the terms used in this Privacy Policy have the same meanings as in Our General Terms and Conditions, and should be read and applied together with the General Terms and Conditions accessible at <a href=\"www.betika.com\">www.betika.com</a>.</p><p>Please read this Privacy Policy carefully and ensure that You understand it. Your acceptance of Our Privacy Policy is deemed to occur upon Your first use of any of Our Channels. If You do not accept and agree with the terms of this Privacy Policy, You must stop using Our Channels immediately.</p></div>"
        },
        {
          "id": "4.2",
          "title": "Scope",
          "miniCategories": [],
          "content": "<div><p>This Privacy Policy applies only to Your use of Our Channels. It does not extend to any websites that are linked to Our Channels (whether We provide those links or whether they are shared by other users). We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.</p><p>Please review the privacy policies of third-party websites before providing any data to them.</p></div>"
        },
        {
          "id": "4.3",
          "title": "Collection of Information",
          "miniCategories": [],
          "content": "<div><p>We collect Your personally identifiable information when You interact with Us or use Our services. Some data may be collected automatically upon first use of Our Channels or upon voluntarily submission by You in any of the following ways (this list is not exhaustive):<ol style=\"list-style-type:lower-roman\"><li>Visit, access or use any of Betika’s services, events, business premises and Our Channels.</li><li>Subscribing or registering to Our services and products, including but not limited to; betting and gaming services offered at<a href=\"www.betika.com\">www.betika.com</a>, promotional offers, tournaments, competitions etc.</li><li>Participating in any of Betika’s platforms, for example; discussion boards on Our site or social media platforms, entering a promotion or survey organized by Us, reporting a problem with Our mobile app, site, service or product or asking for more information on a service or product.</li><li>When You interact with Us as a supplier, agent, merchant or dealer of Betika services.</li><li>We may also collect Your information from third party sources, including but not limited to fraud prevention agencies and marketing agencies. The collection of data from third parties shall be notified to You beforehand or as soon as practicable after the collection of the data.</li></ol></p></div>"
        },
        {
          "id": "4.4",
          "title": "Information We Collect",
          "miniCategories": [],
          "content": "<div><p>The information We collect and store about You when You interact with Us, as described above may include, but is not limited to, the following:<ol style=\"list-style-type:lower-roman\"><li><strong>Personal Information-</strong>We may collect personal information when You register for or use Our services. This information may include; name, ID number, age, mobile number, address, date of birth, email address, gender, username, password, CCTV images when You visit Our premises, social media profiles, personal preferences collected in surveys and recordings;</li><li><strong>Technical information</strong>; including the type of mobile device You use, unique device identifiers such as internet protocol (IP) address of Your computer or smart phone, Your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, mobile network information and other technology on the devices you use to access our Channels;</li><li><strong>Financial information</strong>; including Your transaction information when You withdraw from or deposit into Your Betika account, information We obtain from fraud prevention agencies, Anti-Money Laundering agencies and any government regulator;</li><li><strong>Log information</strong>including details of Your use of any of our Channels; including, but not limited to, traffic data, location data, weblogs and other communication data;</li><li>Information about Your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from Our App, system and network (including date and time); services or products You viewed or searched for or requested; page response times, download errors, length of visits to certain pages, page interaction information and any phone number used to request a service or call our customer service number;</li><li><strong>Location information</strong>using GPS technology or other location finding services to determine Your current location.</li></ol></p></div>"
        },
        {
          "id": "4.5",
          "title": "Use of your Information",
          "miniCategories": [],
          "content": "<div><p>We recognize the trust and confidence Our customers and users of Our Channels place in Us as a service provider. In return, Betika is transparent about why We collect Your information. We may use Your information for the following purposes (this list is not exhaustive):<ol style=\"list-style-type:lower-roman\"><li>To carry out Our obligations arising from any agreements entered into between You and Betika and to provide You with the information, products and services that You request or agree to receive from Us;</li><li>Marketing activities to notify You about changes to Our services and products, keeping You informed about new products and services unless You opt out of receiving marketing messages;</li><li>To comply with any legal or regulatory requirement;</li><li>Understanding Your use of Our services to ensure that content from Our Channels is presented in the most effective manner for you and for your computer, your mobile phone or other device You use to access our Channels;</li><li>To contact You and to respond to any of your queries;</li><li>To administer Our Channels and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;</li><li>To improve Our Channels;</li><li>To allow you to participate in interactive features of Our services and products, when You choose to do so;</li><li>In business practices like quality control and training;</li><li>To measure or understand the effectiveness of advertising We serve to You and others, and to deliver (with Your consent) relevant advertising to You;</li><li>Providing aggregated data (this data is anonymized) to third parties for research and scientific purpose; and</li><li>The information We collect from third parties enables Us to offer You the services under any agreement entered into with Betika.</li></ol></p></div>"
        },
        {
          "id": "4.6",
          "title": "Lawful Basis for processing Your information",
          "miniCategories": [],
          "content": "<div><p>In compliance with the relevant local and international data protection laws, We will only process Your information in accordance with any of the lawful basis provided for under these laws which include:<ol style=\"list-style-type:lower-roman\"><li>The performance of an agreement with You;</li><li>Betika’s legitimate business interests;</li><li>Compliance with any mandatory legal obligations;</li><li>Your consent;</li><li>Your vital interest; and</li><li>Public interest.</li></ol></p></div>"
        },
        {
          "id": "4.7",
          "title": "Retention of Information",
          "miniCategories": [],
          "content": "<div><p><p>We will only retain Your personal data for as long as reasonably necessary to fulfil the purposes We collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements or any obligations to You under an agreement with Betika. We may retain Your personal data for a longer period in the event of a complaint or if We reasonably believe there is a prospect of litigation in respect of Our relationship with You.</p><p>To determine the appropriate retention period for personal data, We consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of Your personal data, the purposes for which We process Your personal data and whether We can achieve those purposes through other means, the need to comply with Our internal policy and the applicable legal, regulatory, tax, accounting or other requirements.</p><p>Anonymized information that can no longer be associated with You may be held indefinitely.</p></p></div>"
        },
        {
          "id": "4.10",
          "title": "Disclosure of Information",
          "miniCategories": [],
          "content": "<div><p>Any disclosure of Your information shall be in accordance with Data Protection Laws and any Applicable Laws.<p>We may disclose Your information to:<ol style=\"list-style-type:lower-roman\"><li>law-enforcement agencies, regulatory authorities, courts or other statutory authorities in response to a demand issued with the appropriate lawful mandate and where the form and scope of the demand is compliant with the law.</li><li>Our subsidiaries, associates, partners, merchants or agents who are involved in delivering Betika products and services You subscribe to or use;</li><li>fraud prevention and Anti money laundering agencies;</li><li>publicly available and/or restricted government databases to verify Your identity information in order to comply with regulatory requirements;</li><li>survey agencies that conduct surveys on behalf of Betika; and</li><li>any other person that We deem legitimately necessary to share the data with.</li></ol><p>We will get Your express consent before We share Your personal data with any third party for direct marketing purposes.</p></p></p></div>"
        },
        {
          "id": "4.11",
          "title": "Direct Marketing",
          "miniCategories": [],
          "content": "<div><ol style=\"list-style-type:lower-roman\"><li>You may be required to opt in or give any other form of explicit consent before receiving marketing messages from Us.</li><li>You can ask Us to stop sending You marketing messages at any time by writing to Us or checking or unchecking relevant boxes to adjust Your marketing preferences or by following the opt out links on any marketing message sent to You or by contacting Us through the provided contacts.</li><li>Where You opt out of receiving these marketing messages, this will not apply to personal data provided to Us as a result of a product, service already taken up, product or service experience or other transactions.</li></ol></div>"
        },
        {
          "id": "4.12",
          "title": "Cookies",
          "miniCategories": [],
          "content": "<div><p>Cookies are files with small amount of data that are commonly used as an anonymous unique identifier. These are sent to Your browser from Our Channels that You visit and are stored on Your phone/computer. All cookies used by and on Our Channels are used in accordance with Data Protection Laws. We use cookies for the following purposes:<ol style=\"list-style-type:lower-roman\"><li>to identify the user’s preferred language, so it can be automatically selected when the user returns to Our Channels;</li><li>to ensure that bets placed by the customer are associated with the customer's bet slip and account;</li><li>to ensure that the customer receives any bonuses for which they are eligible,</li><li>for analysis of Our Channels’ traffic, so as to allow us to make suitable improvements; and</li><li>to facilitate and improve Your general experience on our Channels.</li></ol><p>You have the option to either accept or refuse these cookies, and know when a cookie is being sent to Your phone/computer. If You choose to refuse Our cookies, You may not be able to use some features of Our Channels.</p></p></div>"
        },
        {
          "id": "4.13",
          "title": "Access to and Updating Your Information",
          "miniCategories": [],
          "content": "<div><p>To access, correct or update Your information, send an email to<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>.</p></div>"
        },
        {
          "id": "4.14",
          "title": "Safeguarding and Protection of Information",
          "miniCategories": [],
          "content": "<div><p>Betika has appropriate measures in place to help ensure that Our users’ Data is protected against unauthorized access or use, alteration, unlawful or accidental destruction, cyber-crime and accidental loss. Although we make reasonable efforts as a service provider to protect Your Personal Information from loss, misuse, or alteration by third parties, You should be aware that there is always some risk involved in transmitting information over the internet. Betika shall take reasonable and appropriate technical and organizational measures against the unauthorized or unlawful deliberate interference to Customers’ personal data, and endeavor to notify the user of any security compromise, as soon as reasonable practicable.</p></div>"
        },
        {
          "id": "4.15",
          "title": "Minors",
          "miniCategories": [],
          "content": "<div><p>Our Channels do not address users under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18 and reserve the right to verify any personal information received. If You are aware that a user under the age of 18 has shared any information via Our Channels, please contact Us at<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>and We shall take steps to remove that information from Our servers.</p></div>"
        },
        {
          "id": "4.16",
          "title": "International Data Transfers",
          "miniCategories": [],
          "content": "<div><p>From time to time we may need to transfer Your personal information outside Ghana.<p>Where we send Your information outside Ghana, we will make sure that Your information is properly protected in accordance with the applicable Data Protection Laws and data protection legislation of the foreign jurisdiction (for example the European Union General Data Protection Regulations (EUGDPR) for information transferred to Europe).</p></p></div>"
        },
        {
          "id": "4.17",
          "title": "Change of Business",
          "miniCategories": [],
          "content": "<div><p>We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Data provided by users will, where it is relevant to any part of Our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use the data for the purposes for which it was originally collected by Us.<p>In the event that any of Your data is to be transferred in such a manner, You will be informed of such changes via Our Channels. Should you object to a transfer of your data in such a manner, kindly inform us by written communication via<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>.</p></p></div>"
        },
        {
          "id": "4.18",
          "title": "Your Rights",
          "miniCategories": [],
          "content": "<div><p>Subject to legal and contractual exceptions, You have rights under Data Protection Laws in relation to Your personal data. These are listed below:<ol><li>Right to be informed that We are collecting personal data about You;</li><li>Right to access personal data that We hold about You and request for information about how We process it;</li><li>Right to access personal data that We hold about You and request for information about how We process it;</li><li>Right to request that We correct Your personal data where it is inaccurate or incomplete;</li><li>Right to request that We erase Your personal data noting that we may continue to retain Your information if obligated by the law or entitled to do so;</li><li>Right to object and withdraw Your consent to processing of Your personal data. We may continue to process if We have a legitimate or legal reason to do so;</li><li>Right to request restricted processing of Your personal data noting that We may be entitled or legally obligated to continue processing Your data and refuse Your request; and</li><li>Right to request transfer of Your personal data in an electronic format.</li></ol><p>If You wish to exercise any of the rights set out above, please contact us on<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>.</p><p>We may need to request specific information from You to help us confirm Your identity and ensure Your right to access Your personal data (or to exercise any of Your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact You to ask You for further information in relation to Your request to speed up our response.</p><p>We try to respond to all legitimate requests within reasonable time. Occasionally it could take us longer if Your request is particularly complex or You have made a number of requests. In this case, we will notify You and keep You updated.</p></p></div>"
        },
        {
          "id": "4.19",
          "title": "Help Contribute to the protection of Your Information",
          "miniCategories": [],
          "content": "<div><p>Data security is vital to our business and to protect Your data, We have put in place suitable physical, electronic and managerial procedures to safeguard and secure data collected through Our Channels. Notwithstanding the security measures that We take, it is important to remember that the transmission of data via the internet may not be completely secure and that You are advised to take suitable precautions when transmitting to Us data via the internet. You can help maintain the security of Your personal information by:<ol style=\"list-style-type:lower-roman\"><li>Not sharing Your phone number, ID number, account password or betting patterns (such as amounts and time) with anyone;</li><li>Changing Your account password regularly;</li><li>Remembering to sign off after visiting Our Channels;</li><li>Helping Betika maintain accurate and updated records by letting Betika know when changes occur in Your situation so Betika can update its records accordingly;</li><li>Not sending any confidential information via non-encrypted e-mail; and</li><li>Not supplying Your personal information to any site You do not know or trust.</li></ol></p></div>"
        },
        {
          "id": "4.20",
          "title": "Right to Lodge Complaint",
          "miniCategories": [],
          "content": "<div><p>We are committed to addressing any queries You may have about the use of Your personal information in a timely and effective manner. Kindly address any queries or complaints to<a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a>. Where You are dissatisfied with Our handling of Your data, You have the right to lodge a complaint with the Data Protection Commission of Ghana.</p></div>"
        },
        {
          "id": "4.21",
          "title": "Non-Compliance with this Privacy Policy",
          "miniCategories": [],
          "content": "<div><p>Betika shall have the right to terminate any agreement with You for failure to comply with the provisions of this Privacy Policy and its General Terms and Conditions and reject any application for information contrary to this Privacy Policy.</p></div>"
        },
        {
          "id": "4.22",
          "title": "Amendments to this Privacy Policy",
          "miniCategories": [],
          "content": "<div><p>Unless stated otherwise, our current Privacy Policy applies to all information that We have about You and Your account. We stand behind the promises We make, however, and will never materially change Our policies and practices to make them less protective of user information collected in the past without the consent of affected Customers. We may review this Policy as is necessary from time to time, or as may be required by law. Any changes would immediately be posted on Our Channels and may be accessed on Our website (<a href=\"www.betika.com.\">www.betika.com.</a>).<p>We recommend that You check Our Channels frequently to see recent changes.</p></p></div>"
        }
      ]
    },
    {
      "id": 5,
      "title": "Refer And Chop Affiliate Program",
      "subCategories": [
        {
          "id": "5.1",
          "title": "Welcome Offer",
          "miniCategories": [
            {
              "id": "5.1.1",
              "title": "How It Works",
              "content": "<ul class=\"terms__tick\">\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tAny new customer who registers with Betika will have the opportunity\n\t\t\t\t\tto enjoy up to 5 x free bets valued at 1 GHS each on our hugely\n\t\t\t\t\tpopular game Aviator, for any of the first 5 days from the\n\t\t\t\t\tregistration date. That’s a potential 25 1 GHS free bets in total!\n\t\t\t\t</li>\n\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tYou will simply need to place 10 qualifying bets of your own in a\n\t\t\t\t\tsingle day, in order to have 5 x free bets credited by 2pm the next\n\t\t\t\t\tday.\n\t\t\t\t</li>\n\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t><strong>Day 1, registration</strong>: Place 10 qualifying bets and\n\t\t\t\t\t\tget 5 free bets credited to your account by 2pm the next day.</span\n\t\t\t\t\t>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t><strong>Day 2</strong>: Place 10 qualifying bets and get 5 free\n\t\t\t\t\t\tbets credited to your account by 2pm (local time) the next\n\t\t\t\t\t\tday.</span\n\t\t\t\t\t>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t><strong>Day 3</strong>: Place 10 qualifying bets and get 5 free\n\t\t\t\t\t\tbets credited to your account by 2pm (local time) the next\n\t\t\t\t\t\tday.</span\n\t\t\t\t\t>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t><strong>Day 4</strong>: Place 10 qualifying bets and get 5 free\n\t\t\t\t\t\tbets credited to your account by 2pm (local time) the next\n\t\t\t\t\t\tday.</span\n\t\t\t\t\t>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\t<strong>Day 5</strong>: Place 10 qualifying bets and get 5 free bets\n\t\t\t\t\t\tcredited to your account by 2pm (local time) the next day.</span\n\t\t\t\t\t>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t>A qualifying bet is a bet of 1 GHS or more that is placed on the\n\t\t\t\t\t\tgame ‘Aviator’ and that is successfully cashed out at multiplier\n\t\t\t\t\t\todds of 2.0 or higher or a bet that is placed but loses. (“<strong\n\t\t\t\t\t\t\t>Qualifying Bet</strong\n\t\t\t\t\t\t>”)\n\t\t\t\t\t</span>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tThis exclusive offer can be enjoyed on any or all of the first 5 days\n\t\t\t\t\tupon registering. Even if you don’t take it up on day 1 or 2, you will\n\t\t\t\t\tstill qualify for the remaining 3 days!\n\t\t\t\t</li>\n\t\t\t</ul>"
            },
            {
              "id": "5.1.2",
              "title": "Terms and conditions for the Aviator free bet welcome offer",
              "content": "<ol class=\"terms__tick\">\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t>Eligibility for the Betika Aviator Welcome Offer\n\t\t\t\t\t\t(“<strong>Offer</strong>”) is ONLY open to any new person who has\n\t\t\t\t\t\tregistered to Betika for the first time (“<strong\n\t\t\t\t\t\t\t>New Customers</strong\n\t\t\t\t\t\t>”) who play Aviator (the“<strong>Applicable Game</strong>”) upon\n\t\t\t\t\t\tregistration with Betika.\n\t\t\t\t\t</span>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tThis Offer shall only be valid for the first 5 days from when a New\n\t\t\t\t\tCustomer registers an account with Betika, with the registration day\n\t\t\t\t\tconsidered as day one.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tThe Qualifying Criteria shall be to place ten (10) Qualifying Bets\n\t\t\t\t\teach day. A Qualifying Bet is a real money bet that is placed on the\n\t\t\t\t\tApplicable Game at a stake of GHC one (1) or more, that is (a)\n\t\t\t\t\tsuccessfully cashed out at a multiple of 2.00 or more; or (b) a losing\n\t\t\t\t\tbet.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIf the Qualifying Criteria set out above is successfully met, then the\n\t\t\t\t\t5 aviator free bets each to the value of GHS 1 will be credited to the\n\t\t\t\t\tNew Customer’s Betika account the following day.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tFree bets do not contribute towards Qualifying Bets. Bets that are\n\t\t\t\t\tcashed out at a multiple of 1.99 or less shall not contribute towards\n\t\t\t\t\tQualifying Bets. Bets that are voided or cancelled do not contribute\n\t\t\t\t\ttowards Qualifying Bets.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tTo qualify for 5 (five) free Aviator bets of GHS 1 (one), a customer\n\t\t\t\t\tmust place 10 (ten) Qualifying Bets that meet the Qualifying Criteria\n\t\t\t\t\tbetween 0.00 and 23:59 on the same day.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tNew Customers do not have to qualify for each free bet offer\n\t\t\t\t\tconsecutively. Even if Qualifying Customers do not meet the Qualifying\n\t\t\t\t\tCriteria for the first 3 days, they will still be eligible for free\n\t\t\t\t\tbets for the final 2 days of the qualifying period.\n\t\t\t\t</li>\n\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tFor the purpose of the promotion, Day 1 shall be considered as the day\n\t\t\t\t\tin which the New Customer registered with Betika, and the Qualifying\n\t\t\t\t\tCriteria shall need to be met the same day in order to qualify for\n\t\t\t\t\tfree bets the next day.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIt is not possible to partially qualify for a free bet under this\n\t\t\t\t\tOffer.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tFree bets under this Offer shall be credited the day after the\n\t\t\t\t\tqualifying criteria has been met and shall expire within 24 hours of\n\t\t\t\t\tbeing credited.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tOnly the winnings from any free bet will be credited to a customer’s\n\t\t\t\t\taccount. The stake value of the free bet is not returned.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIf New Customer has more than one (1) registered phone number on\n\t\t\t\t\tBetika online and mobile platforms or has registered more than 1\n\t\t\t\t\taccount, only the first account will qualify for any free bet awards.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tWhere the Betika system erroneously generates free bets more than the\n\t\t\t\t\tallowed maximum limit, any amount won from these additional free bet\n\t\t\t\t\tawards will be regarded as void and shall not be due or payable.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika reserves the right to void any winnings under this Offer, at\n\t\t\t\t\tits sole discretion, and taking all remedial action in instances\n\t\t\t\t\tincluding without limitation where:\n\t\t\t\t</li>\n\t\t\t\t<ol type=\"a\" class=\"terms__tick--normal\">\n\t\t\t\t\t<li value=\"a\" class=\"terms__tick__inner--letters\">\n\t\t\t\t\t\tany of its terms and conditions are breach or not complied with;\n\t\t\t\t\t</li>\n\t\t\t\t\t<li value=\"b\" class=\"terms__tick__inner--letters\">\n\t\t\t\t\t\tthere is a system or software malfunction or error; or\n\t\t\t\t\t</li>\n\t\t\t\t\t<li value=\"c\" class=\"terms__tick__inner--letters\">\n\t\t\t\t\t\tProhibited Activities are being undertaken, or Betika is suspicious\n\t\t\t\t\t\tof the same.\n\t\t\t\t\t</li>\n\t\t\t\t</ol>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika does not guarantee the availability of this Offer on all\n\t\t\t\t\tdevices and channels or its availability at all times.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika reserves the right to withdraw this Offer at any time without\n\t\t\t\t\tnotice.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tThis Offer is provided “as is”, without warranties of any kind, either\n\t\t\t\t\texpress or implied, including without limitation, warranties of title,\n\t\t\t\t\tnon-infringement, non-interference, accuracy of data, accuracy of\n\t\t\t\t\ttranslation, availability, timing, merchantability, fitness for a\n\t\t\t\t\tparticular purpose, other than those warranties which are implied by\n\t\t\t\t\tand incapable of exclusion, restriction, or modification under the\n\t\t\t\t\tlaws applicable to Betika’s General Terms and Conditions and Privacy\n\t\t\t\t\tPolicy.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tThis Offer is subject to Betika’s General Terms and Conditions\n\t\t\t\t\t(including all applicable policies) available here. In case of a\n\t\t\t\t\tconflict between these Offer terms and Betika’s General Terms and\n\t\t\t\t\tConditions, Betika’s General Terms and Conditions shall apply.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIn case of the occurrence of any Prohibited Acts, Betika may take such\n\t\t\t\t\taction as it deems necessary in the circumstances, including but not\n\t\t\t\t\tlimited to voiding any winnings or transactions, suspending an\n\t\t\t\t\taccount, limiting withdrawals, and/or blocking an IP address(es).\n\t\t\t\t</li>\n\t\t\t</ol>"
            }
          ]
        },
        {
          "id": "5.2",
          "title": "Affiliate Program",
          "miniCategories": [
            {
              "id": "5.2.1",
              "title": "How It Works",
              "content": "<div>\n        <h5>How it Works:</h5>\n\t\t\t<ul class=\"terms__tick\">\n\t\t\t\t<li class=\"terms__tick__inner\">You sign up to Betika.</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tWithin your Profile section, you will find all the details you need,\n\t\t\t\t\tincluding your unique link\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tShare your link direct or click on any social Icon to automatically\n\t\t\t\t\tpopulate a message with your unique link included.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tAny player that signs up through that link will be tagged to you.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tYou make money for any revenue generated for their play on the hugely\n\t\t\t\t\tpopular game ‘Aviator’\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tFull visibility of the revenue you generate is provided to give you an\n\t\t\t\t\tunderstanding of potential revenue gained.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\tPayment is generated every week and is determined by the final\n\t\t\t\t\tposition at 23:59:59 local time each Sunday, once you have been an\n\t\t\t\t\taffiliate for a full week.\n\t\t\t\t</li>\n\t\t\t</ul>\n    </div>"
            },
            {
              "id": "5.2.2",
              "title": "Terms and Conditions for the Betika “Refer and Chop” Affiliate Program",
              "content": "<div>\n        <ol class=\"terms__tick\">\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\t<span\n\t\t\t\t\t\t>All new and existing Betika customers\n\t\t\t\t\t\t(“<strong>Customers</strong>”) can take part in the Betika \"Refer\n\t\t\t\t\t\tand Chop\" Affiliate Program (“<strong>Affiliate Program</strong>”)\n\t\t\t\t\t\tbut only Customers who do not have an existing Betika account can be\n\t\t\t\t\t\tsigned up as a referral (“<strong>Referred Customer</strong\n\t\t\t\t\t\t>”).</span\n\t\t\t\t\t>\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIf a Referred Customer previously had an account with Betika, we\n\t\t\t\t\treserve the right to withhold the revenue share for that Customer.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">Affiliate Program criteria:</li>\n\t\t\t\t<ul class=\"terms__tick--normal\">\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tThe Affiliate Program payment periods shall be initiated and shall\n\t\t\t\t\t\tcommence when a Referred Customer participates in the Affiliate\n\t\t\t\t\t\tProgram after being successfully referred by a referring customer\n\t\t\t\t\t\t(“Referring Customer”) via the referral link.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tAffiliate Program weekly revenue payments are exclusive to the\n\t\t\t\t\t\t‘Aviator’ game and only revenue generated by Referred Customer on\n\t\t\t\t\t\tthe ‘Aviator’ game shall qualify for Affiliate Program revenue\n\t\t\t\t\t\tpayments, irrespective of activity on other Betika games and/or\n\t\t\t\t\t\tproducts.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tAffiliate Program revenue sharing is only applicable for new\n\t\t\t\t\t\tregistered Referred Customers in accordance with these terms and\n\t\t\t\t\t\tconditions.\n\t\t\t\t\t</li>\n\t\t\t\t</ul>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tAffiliate Program revenue and payment structure:\n\t\t\t\t</li>\n\t\t\t\t<ul class=\"terms__tick--normal\">\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tReferring Customers are entitled to the following varying revenue\n\t\t\t\t\t\tshare percentages based on the duration of their Referred Customer's\n\t\t\t\t\t\tactivity:\n\t\t\t\t\t</li>\n\t\t\t\t\t<table class=\"terms__table\">\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th>Number of Weeks</th>\n\t\t\t\t\t\t\t<th>Revenue % share</th>\n\t\t\t\t\t\t</tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<td>Weeks 1-3</td>\n\t\t\t\t\t\t\t<td>30%</td>\n\t\t\t\t\t\t</tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<td>Weeks 4-6</td>\n\t\t\t\t\t\t\t<td>25%</td>\n\t\t\t\t\t\t</tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<td>Weeks 7-10</td>\n\t\t\t\t\t\t\t<td>20%</td>\n\t\t\t\t\t\t</tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<td>Weeks 11-15</td>\n\t\t\t\t\t\t\t<td>10%</td>\n\t\t\t\t\t\t</tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<td colspan=\"2\">\n\t\t\t\t\t\t\t\tAfter 15 weeks, the revenue generated by the referred will not\n\t\t\t\t\t\t\t\tbe subject to revenue share.\n\t\t\t\t\t\t\t</td>\n\t\t\t\t\t\t</tr>\n\t\t\t\t\t</table>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tRevenue sharing payments are based on (Losses - Bonus Costs) with an\n\t\t\t\t\t\tadditional 20% deduction for operational costs.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tEach Affiliate Program week for payment purposes shall be based on\n\t\t\t\t\t\tplayer activity from Monday to Sunday. In this time revenue sharing\n\t\t\t\t\t\tpayments can go both up and down depending on player activity. The\n\t\t\t\t\t\tfinal position at midnight on Sunday when a week has closed will\n\t\t\t\t\t\tdetermine the actual revenue amount that will be awarded.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tThe amount that is considered for revenue sharing payments shall be\n\t\t\t\t\t\tbased upon the combined amounts for all players registered via the\n\t\t\t\t\t\tReferring Customer’s link each week collectively (not individually).\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tRevenue sharing payment transfers will be active at Midday (local\n\t\t\t\t\t\ttime) on Tuesdays for the previous week's activity. The transfer\n\t\t\t\t\t\tbutton will be deactivated until then.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tIn order to withdraw, Referring Customers will be required to\n\t\t\t\t\t\tmanually initiate the revenue sharing payment transfer.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tTransferred revenue sharing payments are displayed as 'affiliate\n\t\t\t\t\t\tpayments' and will not have any turnover requirements.\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"terms__tick__inner\">\n\t\t\t\t\t\tIn the event of a negative revenue for a week, the negative revenue\n\t\t\t\t\t\twill not be carried forward to the preceding week.\n\t\t\t\t\t</li>\n\t\t\t\t</ul>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIf a Referring Customer refers a Referred Customer on a day other than\n\t\t\t\t\tMonday, the 'Week 1 payment period' shall encompass the entire\n\t\t\t\t\tduration from the day of the first referral (inclusive) through Sunday\n\t\t\t\t\tof the following week. For example, if a Referring Customer refers a\n\t\t\t\t\tReferred Customer on a Wednesday, then the ‘Week 1 payment period’\n\t\t\t\t\tshall be that Wednesday through to the following Sunday (12 days).\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tPlayer ‘Week 1’ is defined as the initial calendar week during which\n\t\t\t\t\tthe Referred Customer engages in gameplay. Should a Referred Customer,\n\t\t\t\t\tintroduced through an affiliate link, complete the sign-up process on\n\t\t\t\t\ta day other than Monday, Week 1 shall encompass the remaining days the\n\t\t\t\t\tinitiation week. Subsequently, Week 2 shall commence on the following\n\t\t\t\t\tMonday. For example, if the Referred Customer joins on Wednesday, then\n\t\t\t\t\tWeek 1 will be defined as Wednesday to Sunday (5 days) after which\n\t\t\t\t\tfrom Monday Week 2 will commence.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIf a Referred Customer already has one (1) or more registered phone\n\t\t\t\t\tnumbers on Betika online and mobile platforms or already has\n\t\t\t\t\tregistered one (1) or more account, revenue sharing payment for this\n\t\t\t\t\tReferred Customer shall be void and not applicable.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika reserves the right to void any winnings under the Affiliate\n\t\t\t\t\tProgram, at its sole discretion, and take all remedial action in\n\t\t\t\t\tinstances including but not limited to:\n\t\t\t\t</li>\n\t\t\t\t<ol type=\"a\" class=\"terms__tick--normal\">\n\t\t\t\t\t<li value=\"a\" class=\"terms__tick__inner--letters\">\n\t\t\t\t\t\tany of Betika’s terms and conditions being breached or not complied\n\t\t\t\t\t\twith;\n\t\t\t\t\t</li>\n\t\t\t\t\t<li value=\"b\" class=\"terms__tick__inner--letters\">\n\t\t\t\t\t\tSystem or software malfunction or error; or\n\t\t\t\t\t</li>\n\t\t\t\t\t<li value=\"c\" class=\"terms__tick__inner--letters\">\n\t\t\t\t\t\tProhibited Activities being undertaken or Betika being suspicion of\n\t\t\t\t\t\tthe same.\n\t\t\t\t\t</li>\n\t\t\t\t</ol>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika does not guarantee the availability of the Affiliate Program on\n\t\t\t\t\tall devices and channels or its availability at all times.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika reserves the right to withdraw this Affiliate Program at any\n\t\t\t\t\ttime without notice.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tThe Affiliate Program is provided “as is”, without warranties of any\n\t\t\t\t\tkind, either express or implied, including without limitation,\n\t\t\t\t\twarranties of title, non-infringement, non-interference, accuracy of\n\t\t\t\t\tdata, accuracy of translation, availability, timing, merchantability,\n\t\t\t\t\tfitness for a particular purpose, other than those warranties which\n\t\t\t\t\tare implied by and incapable of exclusion, restriction, or\n\t\t\t\t\tmodification under the laws applicable to these terms and conditions,\n\t\t\t\t\tBetika’s General Terms and Conditions and Betika’s Privacy Policy.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tThe Affiliate Program is subject to Betika’s General Terms and\n\t\t\t\t\tConditions (including all applicable policies) available here. In case\n\t\t\t\t\tof a conflict between these terms and conditions and Betika’s General\n\t\t\t\t\tTerms and Conditions, the latter shall apply.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIn case of the occurrence of any Prohibited Acts, Betika may take such\n\t\t\t\t\taction as it deems necessary in the circumstances, including but not\n\t\t\t\t\tlimited to voiding any winnings or transactions, suspending an\n\t\t\t\t\taccount, limiting withdrawals, and/or blocking an IP address(es).\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tAny suspicious activity regarding the Affiliate Program may result in\n\t\t\t\t\tnot only in the exclusion of the Affiliate Program, but exclusion to\n\t\t\t\t\tthe Betika site and platform as a whole.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tIf any Affiliate Program payment is not claimed within 8 weeks from\n\t\t\t\t\tbeing available to transfer, Betika reserves the right to cancel and\n\t\t\t\t\tvoid such payment.\n\t\t\t\t</li>\n\t\t\t\t<li class=\"terms__tick__inner--number\">\n\t\t\t\t\tBetika reserves the exclusive right to terminate the Affiliate Program\n\t\t\t\t\tat any given time, in whole or in part, without prior notice.\n\t\t\t\t</li>\n\t\t\t</ol>\n    </div>"
            }
          ]
        }
      ]
    },
    {
      "id": 6,
      "title": "Crash Games Terms and Conditions",
      "subCategories": [
        {
          "id": "6.1",
          "title": "Introduction",
          "miniCategories": [],
          "content": "<div>\n        <ul style='list-style: disc;'>\n            <li>\n                These terms and conditions ('Terms') relate to the Crash Games and other related products\n                on our platforms ('Crash Games')\n            </li>\n            <li>\n                By playing any of the Crash Games you agree to be bound by and confirm your acceptance of\n                these Terms (together with the rules which may apply to specific games or products) and any\n                amendments or variations to them.\n            </li>\n            <li>\n                You acknowledge and agree to be bound by any additional rules which may apply to Crash\n                Games, including rules contained within the Crash Game's 'Help' or 'Game Info' tabs\n                ('Rules'), and rules relating to minimum/maximum bets, maximum pay-outs, jackpots,\n                disconnections, and system malfunctions. The Rules may also contain instructions on how to\n                play.\n            </li>\n            <li>\n                A Crash Game bet is considered accepted after it has been registered on our server and has\n                been confirmed online. Accepted bets are not eligible for cancellation or amendments.\n            </li>\n            <li>\n                Crash Game limits may be revised, whether individually or cumulatively and whether\n                permanently or for the purposes of particular/individual bet types. All applicable limits will\n                be displayed on our website (www.betika.com), and it is the responsibility of the Customer\n                to ensure that they are familiar with all applicable limits before engaging in any betting.\n            </li>\n            <li>\n                Any funds/winnings credited to an account in error are not available for use, and we reserve\n                the right to void any transactions involving such funds and/or withdraw the relevant amount\n                from your account and/or reverse the transaction, either at the time or retrospectively.\n                Betika reserves the right to void any winnings, and take any and all remedial action in\n                instances including:\n                <ul style='list-style: disc; margin-left: 20px;'>\n                    <li>System or software malfunction or error.</li>\n                    <li>Suspicion that there are Prohibited Activities being undertaken.</li>\n                    <li>Or any other reason that we consider warrants remedial action including suspending\n                        an account or preventing withdrawal.</li>\n                </ul>\n            </li>\n            <li>\n                If the system generates winnings that exceed the allowed maximum limit, any amount above\n                this limit will be considered void and not payable. Once the maximum limit is reached, no\n                further bets can be placed for that day.\n            </li>\n            <li>\n                We do not guarantee the availability of the Crash Games on all devices and channels or their\n                availability at all times.\n            </li>\n            <li>\n                We may amend these Terms from time to time at our sole discretion and without notice.\n            </li>\n            <li>\n                In case of the occurrence (or suspected occurrence) of any Prohibited Activities, we may take\n                such action as we deem necessary in the circumstances, including but not limited to voiding\n                any winnings or transactions, suspending an account, limiting withdrawals, and/or blocking\n                an IP address(es).\n            </li>\n            <li>\n                Where there is a dispute regarding the Crash Games, the adjudication and decision of The\n                Gaming Commission of Ghana shall be final.\n            </li>\n            <li>\n                The Crash Games are provided 'as is', without warranties of any kind, either express or implied,\n                including without limitation, warranties of title, non-infringement, non-interference, accuracy of\n                data, accuracy of translation, availability, timing, merchantability, fitness for a particular purpose,\n                other than those warranties which are implied by and incapable of exclusion, restriction, or\n                modification under the laws applicable to Betika's General Terms and Conditions and Privacy Policy.\n            </li>\n            <li>\n                These Terms are governed by our General Terms and Conditions available here. Unless otherwise\n                defined in these Terms, words defined in our General Terms and Conditions shall have the same\n                meaning when used in these Terms. Where there are any differences or inconsistency with these\n                Terms and our General Terms and Conditions, our General Terms and Conditions shall prevail.\n            </li>\n        </ul>\n    </div>"
        },
        {
          "id": "6.2",
          "title": "Crash Limits",
          "miniCategories": [],
          "content": "<div>\n        <ul style='list-style: disc;'>\n            <li>\n                Crash Game limits may be revised, whether individually or cumulatively and whether\n                permanently or for the purposes of particular/individual bet types or markets. All applicable limits will\n                be displayed on our website, and it is the responsibility of the Customer to ensure that they are\n                familiar with all applicable limits before engaging in any betting.\n            </li>\n            <li>\n                The minimum stake per play varies from GHS 0.10 to GHS 5 depending on the Crash Game.\n                Customers are responsible for checking the minimum stake for each Crash Game they play. It is\n                important to note that the minimum qualifying stake needed to be part of a promotion (if eligible)\n                may vary from the usual minimum bet of such Crash Game.\n            </li>\n            <li>\n                The maximum stake per play varies from GHS 500 to GHS 150,000 depending on the Crash Game.\n                Customers are responsible for checking the maximum stake for each Crash Game they play.\n            </li>\n            <li>\n                Maximum stake may vary for each Game but maximum winnings per day shall apply to all Crash\n                Games within each product vertical. All stake and winning limits are subject to our review and\n                amendment from time to time, but the limits displayed on our website at the time of your Crash\n                Game play shall apply, subject to any technical default or manifest error.\n            </li>\n            <li>\n                The maximum amount of winnings that may be paid out to a Customer per day varies from\n                GHS 100,000 to GHS 200,000 depending on the Crash Game. Customers are responsible for\n                checking the maximum pay out for each Crash Game they play.\n            </li>\n        </ul>\n    </div>"
        },
        {
          "id": "6.3",
          "title": "How to Play",
          "miniCategories": [],
          "content": "<div>\n        <ul style=\"list-style: disc;\">\n            <li>\n                Go to <a href=\"https://www.betika.com/en-gh/\">www.betika.com</a> and select your preferred Crash Game from the Crash Lobby.\n            </li>\n            <li>\n                There are two ways of playing Crash Games, either manually or using auto mode.\n            </li>\n            <li>\n                To begin playing, enter your selected stake amount and click ‘BET’.\n            </li>\n            <li>\n                The further the crash multiplier goes, the higher the multiplier.\n            </li>\n            <li>\n                Click ‘CASH OUT’ before it reaches the crash point to win the game.\n            </li>\n            <li>\n                If the game reaches the crash point before you cashout you lose the game.\n            </li>\n            <li>\n                More instructions on how to play are held within the Crash Game.\n            </li>\n            <li>\n                Each Crash Game has unique features that can be discovered when playing the game as well as\n                the ‘how to play’ instructions within each Crash Game.\n            </li>\n        </ul>\n    </div>"
        },
        {
          "id": "6.4",
          "title": "Betting Rules",
          "miniCategories": [],
          "content": "<div>\n        <ul style=\"list-style: disc;\">\n            <li>\n                The minimum stake per bet on Crash Games varies from GHS 0.1 – GHS 2.\n            </li>\n            <li>\n                The maximum stake on Crash Games is GHS 1,000\n            </li>\n            <li>\n                The maximum amount of winning(s) on Split The Pot (STP) Crash Games is GHS 150,000\n                per bet.\n            </li>\n            <li>\n                The maximum amount of winning(s) on all other Crash Games is GHS 100,000 per bet.\n            </li>\n            <li>\n                The maximum amount of winnings that may be paid out to a player per calendar day on\n                Aviator is GHS 200,000\n            </li>\n            <li>\n                The maximum amount of winnings that may be paid out to a player per calendar day on all\n                other Crash Games is GHS 150,000\n                <ul>\n                    <li style=\"list-style: circle;\">\n                        A calendar day refers to a 24-hour period starting at 00h00 - 23h59 local time.\n                    </li>\n                </ul>\n            </li>\n            <li>\n                Where our systems generate winnings in excess of the allowed maximum limit, any amount\n                above this limit will be regarded as void and shall not be due or payable.\n            </li>\n        </ul>\n    </div>"
        },
        {
          "id": "6.5",
          "title": "General Clauses",
          "miniCategories": [],
          "content": "<div>\n        <ul style=\"list-style: decimal\">\n            <li>\n                Betika reserves the right to void any winnings, at its sole discretion, and taking any and all\n                remedial action in instances including:\n                <ul>\n                    <li style=\"list-style: circle;\">\n                        System or software malfunction or error; or\n                    </li>\n                    <li>\n                        Suspicion that there are Prohibited Activities being undertaken.\n                    </li>\n                </ul>\n            </li>\n            <li>\n                Betika does not guarantee the availability of these products on all devices and channels or its\n                availability at all times.\n            </li>\n            <li>\n                These terms may be amended from time to time by Betika at its sole discretion.\n            </li>\n            <li>\n                These products are provided “as is”, without warranties of any kind, either express or implied,\n                including without limitation, warranties of title, non-infringement, non-interference, accuracy\n                of data, accuracy of translation, availability, timing, merchantability, fitness for a particular\n                purpose, other than those warranties which are implied by and incapable of exclusion,\n                restriction, or modification under the laws applicable to Betika’s General Terms and Conditions\n                and Privacy Policy.\n            </li>\n            <li>\n                These Products are subject to the General Terms and Conditions available <a\n                    href=\"/lite/en-gh/legal/general-terms-and-conditions\\\">here</a>. Where there is\n                an inconsistency with these terms and the General Terms and Conditions, the latter shall prevail.\n            </li>\n        </ul>\n    </div>"
        }
      ]
    },
    {
      "id": 7,
      "title": "Betika Fasta Terms and Conditions",
      "subCategories": [
        {
          "id": "7.1",
          "title": "Introduction",
          "miniCategories": [],
          "content": "<div><ul style=\"list-style: decimal\"><li>Betika Fasta games are multiplier games where the aim of the games is to increase the winning multiplier.</li><li>There are various ways of doing this; by navigating through certain obstacles or determining whether an object will land over or under a multiplier value, just to name a few.</li><li>Each Betika Fasta Game has unique features that can be discovered when playing the game, as well as in the tutorial and/or Instructions section within each Game.</li><li>Betika Fasta games include Jungle Gems, Soccer Mania, Monkey Bizniz, Trotro Crash, Asangoli, Magic Numbers, Gold Dami, Ludu, Plinko and many more.</li><li>Our Betika Fasta games can be found in the Betika Fasta lobby, or in the Crash Games Lobby, on our website.</li></ul></div>"
        },
        {
          "id": "7.2",
          "title": "Betting Rules",
          "miniCategories": [],
          "content": "<div><ul style=\"list-style: disc;\"><li>The minimum stake per bet on Betika Fasta Games varies from GHS 0.1 - GHS 1.</li><li>The maximum amount of winning(s) on Betika Fasta Games is GHS 150,000 per bet.</li><li>You CANNOT place a stake that will return a higher pay out amount than the indicated maximum.</li><li>The maximum amount of winnings that may be paid out to a player per calendar day on Betika Fasta Games is GHS 150,000.</li><li>A calendar day refers to a 24-hour period starting at 00h00 - 23h59 local time.</li><li>Where the system generates winnings in excess of the allowed maximum limit, any amount above this limit will be regarded as void and not validly due or payable.</li></ul></div>"
        },
        {
          "id": "7.3",
          "title": "General Clauses",
          "miniCategories": [],
          "content": "<div><ul style=\"list-style: decimal\"><li>Betika reserves the right to void any winnings, at its sole discretion, and taking any and all remedial action in instances including:<ul><li style=\"list-style: circle;\">System or software malfunction or error; or</li><li style=\"list-style: circle;\">Suspicion that there are Prohibited Activities being undertaken.</li></ul></li><li>Betika does not guarantee the availability of these products on all devices and channels or its availability at all times.</li><li>These terms may be amended from time to time by Betika at its sole discretion.</li><li>These products are provided “as is”, without warranties of any kind, either express or implied, including without limitation, warranties of title, non-infringement, non-interference, accuracy of data, accuracy of translation, availability, timing, merchantability, fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction, or modification under the laws applicable to Betika’s General Terms and Conditions and Privacy Policy.</li><li>These Products are subject to the General Terms and Conditions available <a href=\"/lite/en-gh/legal/general-terms-and-conditions\">here</a>. Where there is an inconsistency with these terms and the General Terms and Conditions, the latter shall prevail.</li></ul></div>"
        }
      ]
    },
    {
      "id": 8,
      "title": "Casino Terms and Conditions",
      "subCategories": [
        {
          "id": "8.1",
          "title": "Introduction",
          "miniCategories": [],
          "content": "<div><ol><li>These terms and conditions ('Terms') relate to the casino games and other related products on our platforms ('Casino Games')</li><li>By playing any of the Casino Games you agree to be bound by and confirm your acceptance of these Terms (together with the rules which may apply to specific games or products) and any amendments or variations to them.</li><li>You acknowledge and agree to be bound by any additional rules which may apply to Casino Games, including rules contained within the Casino Game's 'Help' or 'Game Info' tabs ('Rules'), and rules relating to minimum/maximum bets, maximum pay-outs, jackpots, disconnections, and system malfunctions. The Rules may also contain instructions on how to play.</li><li>A Casino Game bet is considered accepted after it has been registered on our server and has confirmed online. Accepted bets are not eligible for cancellation or amendments.</li><li>Casino Game limits may be revised, whether individually or cumulatively and whether permanently or for the purposes of particular/individual bet types or markets. All applicable limits will be displayed on our website, and it is the responsibility of the Customer to ensure that they are familiar with all applicable limits before engaging in any betting.</li><li>Any funds/winnings credited to an account in error are not available for use, and we reserve the right to void any transactions involving such funds and/or withdraw the relevant amount from your account and/or reverse the transaction, either at the time or retrospectively. We reserve the right to void any Casino Game winnings, at our sole discretion, and take any and all remedial action in instances including (but not limited to):<ol type='a'><li>System or software malfunction or error.</li><li>Suspicion that there are Prohibited Activities being undertaken.</li><li>Or any other reason that we consider warrants remedial action including suspending an account or preventing withdrawal.</li></ol></li><li>If the system generates winnings that exceed the allowed maximum limit, any amount above this limit will be considered void and not payable. Once the maximum limit is reached, no further bets can be placed for that day.</li><li>We do not guarantee the availability of the Casino Games on all devices and channels or their availability at all times.</li><li>We may amend these Terms from time to time at our sole discretion and without notice.</li><li>In case of the occurrence (or suspected occurrence) of any Prohibited Activities, we may take such action as we deem necessary in the circumstances, including but not limited to voiding any winnings or transactions, suspending an account, limiting withdrawals, and/or blocking an IP address(es).</li><li>Where there is a dispute regarding the Casino Games, the adjudication and decision of The Gaming Commission of Ghana shall be final.</li><li>The Casino Games are provided 'as is', without warranties of any kind, either express or implied, including without limitation, warranties of title, non-infringement, non-interference, accuracy of data, accuracy of translation, availability, timing, merchantability, fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction, or modification under the laws applicable to Betika's General Terms and Conditions and Privacy Policy.</li><li>These Terms are governed by our General Terms and Conditions available <a href='https://www.betika.com/en-gh/legal/general-terms-and-conditions'>here</a>. Unless otherwise defined in these Terms, words defined in our General Terms and Conditions shall have the same meaning when used in these Terms. Where there are any differences or inconsistency with these Terms and our General Terms and Conditions, our General Terms and Conditions shall prevail</li></ol></div>"
        },
        {
          "id": "8.2",
          "title": "Casino Limits",
          "miniCategories": [],
          "content": "<div><ol><li>Casino Game limits may be revised, whether individually or cumulatively and whether permanently or for the purposes of particular/individual bet types or markets. All applicable limits will be displayed on our website, and it is the responsibility of the Customer to ensure that they are familiar with all applicable limits before engaging in any betting.</li><li>The minimum stake per play varies from 0.2 GHS to 750 GHS depending on the Casino Game. Customers are responsible for checking the minimum stake for each Casino Game they play. It is important to note that the minimum qualifying stake needed to be part of a promotion (if eligible) may vary from the usual minimum bet of such Casino Game.</li><li>The maximum stake per play varies from 20 GHS to 20,000 GHS depending on the Casino Game. Customers are responsible for checking the maximum stake for each Casino Game they play.</li><li>The maximum amount of winnings that may be paid out to a Customer per day varies from 500,000 GHS to 750,000 GHS depending on the Casino Game. Customers are responsible for checking the maximum pay out for each Casino Game they play.</li></ol><table border='1' cellpadding='8' cellspacing='0' style='border-collapse: collapse; margin-top: 10px;'><tr><th>Casino Game Type</th><th>Minimum Stake</th><th>Maximum Stake*</th><th>Maximum Winnings per day</th></tr><tr><td>Slot Games</td><td>0.2 GHS</td><td>3,000 GHS</td><td>750,000 GHS</td></tr><tr><td>Live Games</td><td>0.5 GHS</td><td>20,000 GHS</td><td>500,000 GHS</td></tr><tr><td>Tables</td><td>0.75 GHS</td><td>1,000 GHS</td><td>500,000 GHS</td></tr></table><p>*Maximum stake may vary for each Game but maximum winnings per day shall apply to all Casino Games within each product vertical. All stake and winning limits are subject to our review and amendment from time to time, but the limits displayed on our website at the time of your Casino Game play shall apply, subject to any technical default or manifest error.</p></div>"
        }
      ]
    },
    {
      "id": 9,
      "title": "Responsible Gaming",
      "subCategories": [
        {
          "id": "9.1",
          "title": "Introduction",
          "miniCategories": [],
          "content": "<div><p>At Betika we are committed to responsible gambling and take our customers and our social responsibility very seriously. Our products are designed for your entertainment and enjoyment and we are committed to providing a secure, fair and socially responsible service. We want you to enjoy our products safely and responsibly.</p><p>We believe in a firm but fair approach to responsible gambling. That is why to assist you, we offer a range of advice and options to help you manage your gaming and ensure that everyone who enjoys our service can do so in as safe a way as possible.</p><p>Responsible gaming is a serious matter and if you feel like gambling is becoming a problem, help is readily accessible. Our customer service staff are available to listen and to support you in keeping control and providing you with the necessary tools in that regard. Please reach out to <a href=\"mailto: support.gh@betika.com\">support.gh@betika.com</a>.</p></div>"
        },
        {
          "id": "9.2",
          "title": "Responsible Gambling Tips",
          "miniCategories": [],
          "content": "<div><p>We believe that gambling should always be an enjoyable leisure activity. Remembering these simple tips can help make sure your gambling does not become a problem.</p><ol><li><p>Gambling should be entertaining and not seen as a way of making money.</p></li><li><p>Bet sensibly and never chase losses.</p></li><li><p>Only gamble what you can afford to lose.</p></li><li><p>Monitor the amount of time you spend playing.</p></li><li><p>Balance gambling with other activities. If gambling is your only form of entertainment, think about whether you are still having fun.</p></li><li><p>Take regular breaks from gambling. Gambling continuously will cause you to lose track of time and perspective.</p></li><li><p>Do not gamble when under the influence of alcohol or any substance/circumstance that may impair your judgment or when you are upset or depressed.</p></li><li><p>Think about how much money you spend gambling. You can track your activity in your bet history.</p></li></ol></div>"
        },
        {
          "id": "9.3",
          "title": "Understanding your Level of Play",
          "miniCategories": [],
          "content": "<div><p>Curious about your playing style and want to get an idea of how positive your play is? A quick and easy Responsible Gaming Quiz to help you figure out where you are at with your playing can be found at: <a href=\"https://www.psychom.net/gambling-addiction-test\">https://www.psychom.net/gambling-addiction-test</a></p><p>Recognising A Problem</p><p>Below are some common signs and symptoms of compulsive gambling, which may guide your understanding of the problem:</p><ul><li>Gambling to calm nerves, forget worries, or reduce depression;</li><li>Losing interest in other things;</li><li>Talking about, thinking about, or planning to gamble and not doing other activities;</li><li>Lying about gambling habits;</li><li>Gambling alone or gambling more often;</li><li>Getting into arguments about gambling;</li><li>Going without basic needs in order to gamble;</li><li>Needing to gamble more and more money in order to get the desired effect;</li><li>Experiencing health problems related to gambling like lethargy, headaches, anxiety, and depression; or</li><li>Having financial problems caused by gambling.</li></ul><p>Self-test</p><p>Based on the signs and symptoms above, ask yourself the following questions:</p><ul><li>Do you feel guilty about the amount of money you spend gambling?</li><li>Do you need to gamble with larger amounts of money to get the same feeling of excitement?</li><li>Do you find it difficult to stop gambling after a loss?</li><li>Does your gambling cause any financial problems for you or your household?</li><li>Does gambling negatively affect your personal relationships, your job or studies?</li><li>Does your gambling cause you any health problems, including stress or anxiety?</li><li>Do you become restless if you are not gambling?</li><li>Do you feel that you might have a gambling problem?</li></ul><p>Did you answer 'yes' to any of the questions?</p><p>If so, we recommend that you speak to a counsellor and utilize any of the self-exclusion options available.</p></div>"
        },
        {
          "id": "9.4",
          "title": "Self-exclusion",
          "miniCategories": [],
          "content": "<div><p>For a few customers gambling might become a serious problem. We offer a self-exclusion option that can be easily implemented by a customer's request.</p><p>To self-exclude from accessing our products, follow the steps below:</p><ol><li>Please contact Customer Services via email: <a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a> and give clear written instructions of the self-exclusion measure and the period of exclusion you would like implemented on your account. We offer the following period(s) of exclusion: <ul><li>7 days, 1 month, 3 months, 6 months, 1 year, 2 years, 5 years, and permanent exclusion</li></ul></li><li>Ensure that in your written request you have provided proof that the mobile number, which is a unique identifier for your account, is registered in your name by the mobile services operator. We retain the right to request you for any such due diligence documents for the purposes of ascertaining proof of account ownership.</li><li>Where the above information and documentation has been received by us, then your account may be suspended within a period of 12 hours;</li><li>Once you send a request for self-exclusion we will endeavor to suspend your account as quickly as possible however any bets placed prior to the suspension of your account shall continue to be in place and any winnings will be credited into your account as soon as the event is settled.</li><li>Once self-excluded, you will not be allowed to register a new account. Where a new account belonging to a self-excluded customer is detected, it will be suspended and closed immediately. Any winning bets in the new account after existing account is self-excluded shall be voided and shall be considered a Prohibited Act under our General Terms and Conditions.</li><li>Betika reserves the right to exclude a customer for a longer period at our discretion. This may include instances where Betika is informed by legitimate sources or the requesting customer has cited addiction issues (e.g. regulators or other authorities, authorized professional organizations, authorized medical professional etc.) that may warrant extension of a customer’s self-exclusion period.</li></ol></div>"
        },
        {
          "id": "9.5",
          "title": "Re-activation of Accounts",
          "miniCategories": [],
          "content": "<div><p>To re-activate your account, you <strong>MUST</strong> contact <a href=\"mailto: support.gh@betika.com\">support.gh@betika.com</a> by email after the self-exclusion period has expired in order to re-gain access to the account and be able to place bets. Any other requests (other than by email) will not be considered. Where the self-exclusion request is due to addiction or problem gambling, we shall require the customer to provide a written confirmation/notice from a certified medical practitioner, regulator or counsellor proving they have overcome their addiction.</p></div>"
        },
        {
          "id": "9.6",
          "title": "Third Party Information",
          "miniCategories": [],
          "content": "<div><p>We may receive problem gambler or problem gambling related information concerning our customers from third parties from time to time. Such information will be acted upon ONLY IF they are received directly from the following legitimate third parties:</p><ol><li>Regulators or other similar authorities;</li><li>Authorized professional organizations that help and provide support to problem gamblers; or</li><li>The customer’s authorized medical general practitioner.</li></ol><p>Information received from any other third parties will be afforded due consideration, but will not be acted upon in isolation. Activities of a customer who has been reported as problem gambler by such third parties will be monitored to establish if the person displays any signs of gambling problem. Whilst we recognize that information may be provided by such third parties with good intentions and for appropriate reasons, it may not always be the case. Rather than acting solely based on unverified information received, we will undertake appropriate monitoring and assessment of suspected problem gamblers to identify if the reported customer is potentially a problem gambler. We will not, at any point, discuss and/or disclose any aspect of customer’s account with such third parties (related or otherwise).</p></div>"
        },
        {
          "id": "9.7",
          "title": "Preventing Underage Gambling",
          "miniCategories": [],
          "content": "<div><p>It is illegal for anyone under the age of 18 to gamble. Betika takes its responsibilities to prevent access by persons under the permitted age very seriously. We make it clear in our Terms and Conditions and in the account registration process that underage gambling is illegal. We reserve the right to carry out verification checks to ensure that all account holders are at least 18 years old and may suspend an account until adequate verification is received.</p><p>It is unlawful to allow minors to gamble and we ask our customers to do their part in ensuring that this does not happen. We ask all of our customers, and in fact it is the responsibility of our customers, to ensure that their account is not used for under aged gambling. Some suggestions on how to make sure this does not happen are provided below:</p><ol type=\"a\"><li>Do not leave your computer unattended when you are logged on to our website.</li><li>Make sure to logout when you leave our website.</li><li>Do not share your Mobile Money account details.</li><li>Do not leave the \"Save Password\" option enabled.</li><li>Use child protection software.</li><li>Create separate computer profiles for your children.</li><li>If you know a registered user below the lawful age, please contact Customer Services at <a href=\"mailto:support.gh@betika.com\">support.gh@betika.com</a></li></ol></div>"
        },
        {
          "id": "9.8",
          "title": "Parental Controls",
          "miniCategories": [],
          "content": "<div><p>There are a number of third-party applications that parents or guardians can use to monitor or restrict the use of their computer's access to the Internet:</p><ol type='a'><li>Net Nanny filtering software protects children from inappropriate web content: <a href='http://www.netnanny.com'>www.netnanny.com</a>;</li><li>CYBER sitter filtering software allowing parents to add their own sites to block: <a href='http://www.cybersitter.com'>www.cybersitter.com</a>.</li></ol></div>"
        },
        {
          "id": "9.9",
          "title": "Complaints",
          "miniCategories": [],
          "content": "<div><p>Betika endeavours to make a customer’s experience with us an enjoyable one. However, there may be occasions where a customer feels dissatisfied with the quality of our product/s or our customer service. A customer may raise a complaint by sending an e-mail to our Customer Service at: <a href='mailto:support.gh@betika.com'>support.gh@betika.com</a>.</p><p>We will endeavor to handle complaints as soon as practicable. We request our clients to be patient with our internal processes owing to the number of requests we receive on a daily basis, system upgrades, changes requested by the regulator and new instructions from the customer.</p><p>A complaint shall be deemed to have been submitted in a valid manner when it contains clear information regarding the customer’s identity and gives all relevant"
        }
      ]
    },
    {
      "id": 10,
      "title": "USSD Betting",
      "subCategories": [
        {
          "id": "10.1",
          "title": "Betika USSD Betting Guide",
          "miniCategories": [],
          "content": "<div><p>Bet via USSD with Betika! Simply dial *263#</p><ul><li>Bets made through the USSD channel will be reflected in your bet history on the Betika website - <a href='http://www.betika.com/en-gh/'>www.betika.com/en-gh/</a>.</li><li>Your online balance is synchronized with your USSD balance. Funds deposited via USSD *263# can be utilized on the Betika website <a href='http://www.betika.com/en-gh/'>www.betika.com/en-gh/</a>. Likewise, funds deposited on <a href='http://www.betika.com/en-gh/'>www.betika.com/en-gh/</a> can be accessed and used through USSD by dialing *263#.</li><li>Accounts created via USSD channel *263# can be managed and accessed through the Betika website - <a href='http://www.betika.com/en-gh/'>www.betika.com/en-gh/</a>. Conversely, accounts registered through <a href='http://www.betika.com/en-gh/'>www.betika.com/en-gh/</a> can be accessed via USSD *263#.</li><li>Currently, USSD betting is limited to soccer. Additional sports and markets will soon be accessible through the USSD channel *263#.</li></ul></div>"
        },
        {
          "id": "10.2",
          "title": "How to Register on USSD",
          "miniCategories": [],
          "content": "<div><p>Dial *263# and you will be registered. If you already have a Betika account, you don’t need to register a new USSD account. Simply dial *263# from your registered mobile number.</p></div>"
        },
        {
          "id": "10.3",
          "title": "How to Place a Bet",
          "miniCategories": [],
          "content": "<div><ol><li>Select \"<strong>1. Place Bet</strong>\"<li>Choose one of the following categories:<ol type=\"a\"><li><strong>Today's Highlights:</strong>These are the day's most interesting and top matches</li><li><strong>Upcoming Football:</strong> These are events that are about to start in the next few hours</li><li><strong>Search Football:</strong> Events you want to look for to bet on. Simply type the game you want to bet on and if that game is available, it will pop up alongside other similar games.</li><li><strong>Top Leagues:</strong> The most popular leagues to bet on.</li><li><strong>Bet history:</strong> contains pending bets and settled bets</li></ol><li>Select the match you want to bet on.<li>Select the market you want to bet on:<br><strong>OPTIONS/MARKETS:</strong><ol type=a><li><strong>3-WAY:</strong> You have to predict the winner of the match excluding overtime:<ul style=list-style-type:none><li><strong>HOME(1)</strong> for the home team (left) to win<li><strong>DRAW (X)</strong> for the match to be a draw/tie<li><strong>AWAY (2)</strong> for the away team (right) to win</ul><li><strong>DOUBLE CHANCE:</strong> You have to predict the outcome of the match excluding overtime, in double chance:<br><ul style=list-style-type:none><li><strong>1/X</strong> for the home team to score more goals or both home and away teams will score the same number of goals.<li><strong>1/2</strong> for the home team to score more goals or the away team to score more goals<li><strong>x/2</strong> for the away team to score more goals or both home and away teams will score the same number of goals.</ul><li><strong>Over/Under:</strong> predict whether the total number of goals scored in the match in regular time is over/under a given line:<br><ul style=list-style-type:none><li><strong>Over/under 0.5</strong> for the total number of goals in the match to be 1 and above <strong>(over)</strong> or the total number of goals in the match to be 0 <strong>(under)</strong>.<li><strong>Over/under 1.5</strong> for the total number of goals in the match to be 2 goals or more <strong>(over)</strong> or the total number of goals in the match to be 1 or 0 <strong>(under)</strong>.<li><strong>Over/under 2.5</strong> for the total number of goals in the match to be 3 or more <strong>(over)</strong> or the total number of goals in the match to be 2 or less <strong>(under)</strong>.<li><strong>Over/under 3.5</strong> for the total number of goals in the match to be 4 or more <strong>(over)</strong> or the total number of goals in the match to be 3 goals or less <strong>(under)</strong>.</ul><li><strong>GG/NG- You have to predict if both teams will score during the match or not:</strong><ul style=list-style-type:none><li><strong>GG</strong> oth teams will score (YES/NO)<li><strong>NG</strong> At least one team will not score (YES/NO)</ul><li><strong>Handicap- You have to predict the outcome of the match by adding or subtracting the proposed spread to the result:</strong><ul style=list-style-type:none><li><strong>1 (0:1)</strong> Home team will win by 2 or more goals.<li><strong>X (0:1)</strong> Home team will win by 1 goal.<li><strong>2 (0:1)</strong> Away team will win or draw.<li><strong>1 (1:0)</strong> Home team will win or draw.<li><strong>X (1:0)</strong> Away team will win by 1 goal.<li><strong>2 (1:0)</strong> Away team will win by 2 or more goals.</ul><li><strong>Home Total (over/under)- predict whether the total number of goals scored by the home team in regular time is over/under a given line:</strong><br><strong>Home total over/under 0.5-</strong> for the total number of goals scored by the home team to be 1 and above <strong>(over)</strong> or the total number of goals scored by the home team to be 0 <strong>(under)</strong>.<li><strong>Away total (over/under)- predict whether the total number of goals scored by the away team in regular time is over/under a given line:</strong><br><strong>Away total over/under 0.5-</strong> for the total number of goals scored by the away team to be 1 and above <strong>(over)</strong> or the total number of goals scored by the away team to be 0 <strong>(under)</strong>.<li><strong>1st Half- 1x2- You have to predict which team will win the 1st half:</strong><br><strong>Home (1)</strong> for the home team (left) to win in the 1st half.<br><strong>Draw (X)</strong>for the home and away team to be a draw/tie in the 1st half.<br><strong>Away (2)</strong> for the away team (right) to win in the 1st half<li><strong>1st half- over/under- predict whether the total number of goals scored in the first half is over/under a given line:</strong><br><strong>1st half over/under 0.5-</strong> for the total number of goals scored in the 1st half to be 1 and above <strong>(over)</strong> or the total number of goals scored in the 1st half to be 0 <strong>(under)</strong>.<br><strong>1st half over/under 1.5-</strong> for the total number of goals scored in the 1st half to be 2 and above <strong>(over)</strong> or the total number of goals scored in the 1st half to be 1 or 0 <strong>(under)</strong>.<li><strong>Total corners over/under- predict if the number of corners during the match is over/under a given line:</strong><br><strong>Total corners over/under 10.5-</strong> for the total number of corners in the match to be 10 and above <strong>(over)</strong> or the total number of corners in the match to be 9 and below <strong>(under)</strong>.</ol><li>After making your selection, choose one of the following:<ol><li><strong>Add games:</strong> Add more selections you want to the bet slip;<li><strong>Place bet:</strong> Submit the bet you have created so far; or<li><strong>Clear bet slip:</strong> remove the games or selections from the bet slip you have created.</ol><li>When you complete filling your bet slip and are ready to submit the bet, select <strong>“PLACE BET (2)”</strong><li>Once you submit your bet slip, you will be prompted to enter the amount/stake in Ghana Cedis that you want to place on your bet. Make sure your wallet balance is enough to cover the stake amount.<li>Once you enter the amount you want to stake your bet with, it means you have staked your bet.<ul><li><strong>Bet confirmation</strong><br>You will see a confirmation screen showing the <strong>bet ID, possible win amount, the money you staked with and your new Betika balance.</strong><li>An sms will be sent to you containing the above mentioned information as well as a link that will assist you track your bet online on the web link <a href=http://www.betika.com/en-gh/ >www.betika.com/en-gh/</a>.</ul><li>Congratulations! You have placed a USSD bet successfully!</ol></div>"
        },
        {
          "id": "10.4",
          "title": "How to Deposit/Withdraw",
          "miniCategories": [],
          "content": "<div><p>Select \"<strong>2. Deposit/Withdraw</strong>\"</p><ul><li>To deposit: select 1 (deposit) and enter the amount you want to deposit. A prompt will be sent to you to enter your mobile money PIN. An sms will later be sent to you confirming your deposit to your Betika Account.</li><li>To withdraw: select 2 (withdraw) and enter the amount you want to withdraw. And the amount will be transferred to your mobile money account.</li></ul></div>"
        },
        {
          "id": "10.5",
          "title": "How to download the Betika Mobile App",
          "miniCategories": [],
          "content": "<div><p>Select \"<strong>3. Download App</strong>\" If you want to download the app, select 3 (download app) and an SMS containing a link will be sent to you. Click on the link to download the app.</p></div>"
        },
        {
          "id": "10.6",
          "title": "Live Betting",
          "miniCategories": [],
          "content": "<div><p>Select \"<strong>4. Live betting</strong>\" to bet on live matches on USSD and choose the game you wish to bet on. You will see the game, the number of minutes the game has been played for, the current score of the game, as well as available options you can choose from. PLEASE NOTE: ALL OPTIONS WILL NOT ALWAYS BE AVAILABLE ON LIVE MATCHES.</p></div>"
        },
        {
          "id": "10.7",
          "title": "How to check your balance",
          "miniCategories": [],
          "content": "<div><p>When you dial the short code <strong>*263#</strong>, your balance will be seen at the top, where You will be presented with the funds available in your Betika wallet right away.</p></div>"
        },
        {
          "id": "10.8",
          "title": "Customer Care",
          "miniCategories": [],
          "content": "<div><p>Select \"<strong>5. Customer care</strong>\" - if you have any issues. An SMS will be sent to you with our customer care numbers and our social media handles. You can call us or chat with us through our available social media channels.</p></div>"
        },
        {
          "id": "10.9",
          "title": "My Account",
          "miniCategories": [],
          "content": "<div><p>Select \"<strong>6. My account</strong>\" if you want to check your Betika balance or your bonus balance and your Betika balance as well as bonus balance will be visible to you.</p><p>Still under \"<strong>6. My account</strong>\", select \"<strong>1. Reset code</strong>\" if you want to log in to your Betika account using the web platform, <a href=\"http://www.betika.com/en-gh/\">www.betika.com/en-gh/</a>. A pop up will show telling you to use an SMS that will be sent to you to reset your password online using the above-mentioned web link.</p></div>"
        }
      ]
    },
    {
      "id": 11,
      "title": "Sports Betting Rules",
      "subCategories": [
        {
          "id": "11.1",
          "title": "Introduction",
          "miniCategories": [],
          "content": "<div><p>These Betting Rules are subject to the General Terms and Conditions and shall be read in conjunction with those provisions found <a href='https://www.betika.com/en-gh/legal/general-terms-and-conditions'>here.</a></p></div>"
        },
        {
          "id": "11.2",
          "title": "Registration",
          "miniCategories": [],
          "content": "<div><p>To be eligible for play, You must have a registered account with Betika. You can register online and USSD.</p><table border='1' cellspacing='0' cellpadding='0'><thead><th><strong>Channel</strong></th><th><strong>Registration Details</strong></th></thead><tbody><tr><td><strong>Online</strong></td><td>To register online, please click <a href='https://www.betika.com/en-gh/register'>here</a> and follow the registration prompts.</td></tr><tr><td><strong>USSD</strong></td><td>To register on USSD Dial *263#.</td></tr></tbody></table></div>"
        },
        {
          "id": "11.3",
          "title": "Deposits",
          "miniCategories": [],
          "content": "<div><ul><li><strong>Online Deposit: </strong>To deposit online, log into your Betika account at <a href='https://www.betika.com/en-gh/'>betika.com/en-gh/</a>, click on ‘Profile’ or ‘my account’ select deposit and key in the desired amount you want to deposit. The pin prompt will appear on your mobile phone.</li><li><strong>Deposit via USSD </strong>To deposit via USSD dial *263#, select option 2 and proceed to make your deposit.</li></ul></div>"
        },
        {
          "id": "11.3.1",
          "title": "Definition of Betting Terms",
          "miniCategories": [],
          "content": "<div><ul><li><strong>Abandoned Match:</strong>Abandoned games will be deemed to be games which do not reach their natural conclusion on the calendar date.</li><li><strong>Extra Time:</strong><strong>This is a period in a sports game in which play continues if neither team has won in the usual time allowed for the game where a winning result is required for advancement to the next stage of a specific competition or tournament.</strong></li><li><strong>Injury Time:</strong>This is the period added to the end of a football game because play was stopped during the match when players were injured or for any reason that the referee saw fit. This is the added time after 90 minutes (about 1 and a half hours) of normal play.</li><li><strong>Live bet:</strong>This is a bet placed when the game is in-play or regular time has begun. Live bets cannot be cancelled once made.</li><li><strong>Multi bet:</strong>This is a bet placed on several selections or markets. When placing multi bets, the return depends on the outcome of all the matches within the bet.</li><li><strong>Postponed/Cancelled Match:</strong><strong>Postponed/cancelled games will be deemed to be games which do not get to kick off on the specified calendar date but have been scheduled to take place later.</strong></li><li><strong>Regular/Normal Time:</strong>This is the period, which includes injury time, over which a sport is played and is set out as the normal duration of play within a sport’s rules. This period does not include extra time.</li><li><strong>Retired Match:</strong>When a match is incomplete as the result of one player it is considered a 'Retired' match. For example, when one of the players in a tennis match withdraws or is disqualified.</li><li><strong>Single bet:</strong>Single bet is a bet placed on just one selection or market. When placing single bets, your return will not depend on the outcome of several matches.</li></ul></div>"
        },
        {
          "id": "11.4",
          "title": "Placing a Bet",
          "miniCategories": [],
          "content": "<div><ul><li>As a registered customer, you can bet on a variety of sporting events, either before a match or in-play, by accepting a published bet offer.</li><li>Every bet placed is an agreement between the client and Betika, entitling the client to the payout of winnings following from the bet offer in the case of a win, and Betika to the stake of the client’s bet in the case of a loss.</li><li>You cannot make a bet exceeding your player account balance.</li><li>Bets shall be taken for regular time unless otherwise noted in the bet type description.</li></ul></div>"
        },
        {
          "id": "11.5",
          "title": "How to Place a Bet",
          "miniCategories": [],
          "content": "<div><ol type='a'><li><strong>Online:</strong> Log in to your Betika account <a href='https://www.betika.com/en-gh/login'>here</a> and proceed to place a bet on your preferred sport using the available markets.</li><li><strong>USSD:</strong> Dial *263# select option 1 and proceed to place a Bet on your preferred Games and available markets.</li></ol></div>"
        },
        {
          "id": "11.6",
          "title": "Limitations on Bet Amounts",
          "miniCategories": [],
          "content": "<div><p><strong>ONLINE:</strong></p><ol type='a'><li><strong>Minimum Bet:</strong> The minimum betting amount for a single/multi bet is 0.50p</li><li><strong>Maximum Bet:</strong> The maximum betting amount for a pre-match single/multi bet is GHC 10,000</li><li><strong>Fixed Bet Amounts:</strong><ul><li>Falaa Daily Jackpot – GHC 10,000</li><li>Falaa Daily Jackpot Stake – GHC 1</li></ul></li><li><strong>Maximum Bet for Live bets:</strong> The maximum betting amount for a live bet is GHC10,000</li><li><strong>Maximum Payout per day:</strong> The maximum payout is GHC 200,000/- (excluding acca bonus available on Sportsbook)</li></ol><p><strong>USSD:</strong></p><ol type='a'><li><strong>Minimum bet:</strong> The minimum betting amount for a single/bet on USSD is GHC 1.00</li><li><strong>Maximum Bet:</strong> The maximum betting amount for pre-match GHC10,000.</li><li><strong>Maximum Bet for Live bets:</strong> The maximum betting amount for a live bet is GHC10,000</li><li><strong>Maximum Payout per day:</strong> The maximum payout is GHC 200,000/- (excluding acca bonus available on Sportsbook)</li></ol></div>"
        },
        {
          "id": "11.7",
          "title": "Withdrawals",
          "miniCategories": [],
          "content": "<ol><li><strong>Withdrawal Channels</strong><ol type='a'><li>Online – Log onto your profile on the Betika Website, click withdraw and follow the prompts.</li><li>USSD: Withdraw via the USSD by dialing *263#, select option 2 and proceed to withdraw</li></ol></li><li><strong>Maximum and Minimum Withdrawal Amounts</strong><ol type='a'><li>The Minimum withdrawal amount is GHC 1</li><li>The Maximum amount that can be withdrawn per mobile number is GHC 5,000 every 24 hours.</li></ol></li></ol>"
        },
        {
          "id": "11.8",
          "title": "Bet Cancellation",
          "miniCategories": [],
          "content": "<ul><li>You can cancel a bet within two <strong>(2) minutes</strong> after placing the bet.</li><li>Bets can only be canceled before the kick-off time of a match(es) in the bet selection.</li><li>The maximum bets that can be cancelled in a day is three <strong>(3)</strong>.</li><li>The following bets <strong>CANNOT</strong> be cancelled: Live bets, all Jackpot bets and <strong>Fabom Bets</strong>.</li><li>All other bets can be cancelled through the following channels: <br/><strong>Online:</strong> To cancel a bet, click on the ‘My Bets’ option or ‘Bet History’ and on the specific Bet Id you wish to cancel within <strong>two minutes</strong> of placing the bet. The “CANCEL” option will still be active, allowing you to cancel the bet.</li></ul>"
        },
        {
          "id": "11.9",
          "title": "Void Bets",
          "miniCategories": [],
          "content": "<p>In sports betting, a 'void bet' means that a bet will no longer pay out and you will get your original stake returned to you. Bets shall be voided in the following instances:</p><ul><li>We suspect that You have engaged in any Prohibited Activities;</li><li>You have breached any of these Terms or the general terms as set out <a href='https://www.betika.com/en-gh/legal/general-terms-and-conditions'>here</a>;</li><li>There is a technological error related to the Service or placing of Your bet;</li><li>We are required to do so by any law or regulation.</li><li>For any other reason determined by Betika at our discretion.</li></ul>"
        },
        {
            "id": "11.10",
            "title": "Bonuses",
            "miniCategories": [],
            "content": "<div><ul><li><strong>Registration Bonus: </strong>This is a bonus awarded to a new customer upon registration. The registration bonus is determined by Betika at our absolute discretion.</li></ul></div>"
        },
        {
          "id": "11.11",
          "title": "Jackpots",
          "miniCategories": [],
          "content": "<div><ul><li>Betika reserves the right to use the names, radio recordings, motion and still images of the winner or winners, for purposes of publicity, marketing campaigns and administering this competition. By entering this competition, players agree that Betika and its business partners may use the details provided by the player to contact them about its products and services and for marketing purposes.</li><li>The official results of the Jackpot will be announced on the website www.betika.com and all available Betika Social Media platforms.</li></ul><h3><strong>Falaa DAILY JACKPOT</strong></h3><p>This is a daily jackpot which has two betting categories:</p><ul><li>3way (Home/Draw/Away)</li></ul><h4><strong>Falaa Daily Jackpot Rules</strong></h4><ul><li>Betting option ONE: You can place a bet with GHC1. For this option the Jackpot prize is GHS 10000/- to be shared amongst all winners.</li><li>If 3 or more games are postponed, all bets placed are voided and your stake is refunded.</li><li>If one game is postponed in 3 way, we divide the prize by 3, if two games are postponed the prize is divided by 9</li><li>The number of games in the Daily Jackpot is fixed.</li><li>You may only place up to 10bets per event.</li><li>All results are from official competition Websites e.g. the EPL website</li><li>Betika reserves the right to reverse the settlement of a Falaa Daily Jackpot if the bet or a selection within the bet is settled in error.</li><li>Betika reserves the right to accept or decline any bet requested for any competition or market or bet type that is included in the Falaa Daily Jackpot.</li><li>You cannot cancel a Falaa Daily Jackpot</li></ul></div>"
        },
        {
            "id": "11.12",
            "title": "Fabom Beti",
            "miniCategories": [],
            "content": "<h2><strong>FABOM BETI</strong></h2><p>This is a bet customizing betting tool that lets you to create your winning combination then place your pre-match bet on soccer events.</p><strong>Fabom beti rules</strong><ul><li>The Minimum Bet amount is GHC0.5, maximum is GHC. 5000</li><li>You can combine all markets in the same or different matches. There’s no limit on markets that can be included on a <strong>Fabom</strong> beti</li><li>You cannot combine a <strong>Fabom</strong> beti with normal bets</li><li>You can only use <strong>Fabom</strong> beti for pre-match bets</li><li>All <strong>Fabom</strong> beti Bets are resulted real time</li><li>If a market in a <strong>Fabom</strong> beti is void, the affected market will be settled with an odd of 1.0 and the rest of the active markets within the <strong>Fabom</strong> beti will be settled.</li><li>The following markets in <strong>Fabom</strong> beti i.e. 'Player to Score, First Yellow Card, Which Player will Score First, GG/NG, Over/U, Total Number of Cards' are resulted after 90 minutes</li><li>The Total number of corner kicks, first corner kick resulted after end of match including extra time</li><li>When there are no yellow cards or corner kicks, that market is void</li><li>All results are from official competition Websites e.g. the EPL website</li><li>Betika reserves the right to reverse the settlement of a <strong>Fabom</strong> beti if the bet or a selection within the bet is settled in error.</li><li>Betika reserves the right to accept or decline any bet requested for any competition or market or bet type that is included in the <strong>Fabom</strong> beti feature.</li><li>Betika reserves the right to amend, suspend or remove the <strong>Fabom</strong> beti feature (or any part of it) at any time for any event, fixture, market or customer.</li><li>You cannot cancel a <strong>Fabom</strong> beti</li></ul>"
        }
      ]
    },
    {
      "id": 12,
      "title": "Virtuals Games",
      "subCategories": [
        {
          "id": "12.1",
          "title": "Introduction",
          "miniCategories": [],
          "content": "<div><ul><li>These are virtual games that allow a user to place bets on various virtual games which include football leagues, number games, races, and a variety of crash games.</li><li>All players who bet on the same virtual matches will see the same outcome.</li><li>All match simulations are created through a combination of Artificial Intelligence and independent random number generators.</li><li>Betika reserves the right to void any winnings, at its sole discretion, and taking any and all remedial action in instances including but not limited to:<ul><li> System or software malfunction or error;</li><li>Breach of these terms, or breach of Betika General Terms and Conditions; or</li><li>Suspicion that there are Prohibited Activities being undertaken.</li></ul></li><li>In case of the occurrence of any Prohibited Activities, Betika may take such action as it deems necessary in the circumstances, including but not limited to voiding any winnings or transactions, suspending an account, limiting withdrawals, and/or blocking an IP address(es).</li><li> Where there is a dispute regarding this product, the adjudication and decision of the Gaming Commission of Ghana shall be final.</li><li>Betika does not guarantee the availability of the Virtual Games on all devices and channels or their availability at all times.</li><li>These terms may be cancelled or amended from time to time by Betika at its sole discretion and without notice.</li><li>Betika reserves the right to withdraw the Virtual Games at any time without notice.</li><li>By participating in the Virtual Games, the players agree to adhere to and be bound by these Terms.</li><li>Betika Virtual Games are provided “as is”, without warranties of any kind, either express or implied, including without limitation, warranties of title, non-infringement, non-interference, accuracy of data, accuracy of translation, availability, timing, merchantability, fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction, or modification under the laws applicable to Betika’s General Terms and Conditions and Privacy Policy.</li><li>These terms are subject to the Betika General Terms and Conditions available here. Where there is an inconsistency with these terms and the General Terms and Conditions, the latter shall prevail.</li></ul></div>"
        },
        {
          "id": "12.2",
          "title": "How to Play",
          "miniCategories": [],
          "content": "<div><ul><li>Go to <a href='https://www.betika.com/en-gh/'>betika.com</a> and select your preferred virtual Game from the <a href='https://www.betika.com/en-gh/virtuals'>virtual</a> option.</li><li>Select an available virtual event.</li><li>Select your preferred bet option for all available matches and click on the odds on the bet you wish to place.</li><li>The betslip with your selection will open and once you have made all your selections, enter your stake in the bet slip and click on 'Place Bet'.</li><li>After Confirmation, your bet will be placed.</li><li>To see the list of your Virtual bets, please go to <a href='https://www.betika.com/en-gh/'>betika.com</a> , Click on My Bets and select ‘Virtuals’ or open a game on <a href='https://www.betika.com/en-gh/virtuals'>virtual</a> and click on my bets . You will find a list of all virtual bets you have placed.</li><li>Golden Race games (Keno, Grey Hounds, Horse Race and Instant Games) have a unique feature denoted by (?) symbol, that is displayed on the game. This feature provides a comprehensive guide to the game rules and instructions.</li></ul></div>"
        },
        {
          "id": "12.3",
          "title": "Betting Rules",
          "miniCategories": [],
          "content": "<div><ul><li>Betting is allowed before kick-off countdown runs out on the virtual sport. Betting options for future match days of the current event remain open.</li><table border='1' cellspacing='0' cellpadding='0'><thead><th>Provider</th><th>Min Stake</th><th>Max Stake</th><th>Max Win Per Bet</th><th>Max Win Per Day</th></thead><tbody><tr><td>Golden Race</td><td>GHC 1</td><td>GHC 10,000</td><td>GHC 100,000</td><td>GHC 100,000</td></tr><tr><td>Kiron</td><td>GHC 1</td><td>GHC 10,000</td><td>GHC 100,000</td><td>GHC 100,000</td></tr><tr><td>Betradar</td><td>GHC 1</td><td>GHC 10,000</td><td>GHC 100,000</td><td>GHC 100,000</td></tr></tbody></table></ul><li>Where the system generates winnings in excess of the allowed maximum limit, any amount above this limit will be regarded as void and not validly due and payable.</li></div>"
        },
        {
          "id": "12.4",
          "title": "Virtual Football Markets",
          "miniCategories": [],
          "content": "<div><ul><li><strong>Final Result: </strong>Who will win the match? Place a bet predicting whether the Home Team will win, a Draw will occur, or the Away Team will win (1 = Home Team, X = Draw, 2 = Away Team).</li><li><strong>Double Chance: </strong> Place a bet on two of three possible exclusive outcomes. You can win the bet only when one of two predictions are correct.<ol><li> 1/X: Winning bet if the Home Team wins or if there is a Draw</li><li>X/2: Winning bet if there is a Draw, or the Away Team wins.</li><li>1/2: Winning bet if the Home Team wins, or the Away Team wins</li></ol></li><li><strong>Halftime/Fulltime: </strong>Bet on the predictions of halftime and fulltime results of the match. You can win the bet only when both predictions are correct. (Selections: 1/1, 1/X, 1/2, X/1, X/X, X/2, 2/1, 2/X, 2/2)</li><li> <strong>Goal Goal/No Goal: </strong>Place a bet predicting whether one of the teams will not score, or that both will score in a football match. (Goal Goal = Each team will score at least one goal; No Goal = at least one team will not score)</li><li><strong>Over/Under: </strong>Bet on the total number of goals scored during the match being over or under the given number (e.g., 1.5)</li><li><strong>1X2+Over/Under: </strong>Bet on the combined predictions of the end result of the match (Home Team win, Draw, Away Team win) and the winning goals. Both predictions must be correct to win. (e.g., Home + over 1.5 means Home Team will win and over 1.5 goals will be scored, hence the winning result can be 2-0, 2-1 and etc.)</li><li><strong>Total Goals: Bet on the prediction of the total number of goals that will be scored in a match.</strong></li><li><strong>Correct Score: </strong>Bet on the prediction of the exact final score of a match in the correct order (Home-Away, e.g., 1-0 means Home Team will score 1 goal and Away Team will not score.)</li><li><strong>Multigoal: </strong>Bet on the range which the number of goals scored in a match falls within. (e.g., 0-2 means total goals between 0-2 goals scored.)</li><li><strong>Asian Handicap: </strong>Bet on the team that will win the match taking into account the handicap assigned to the selected team (e.g. -1, for the bet to win the selected team must win by 2 or more goals. If it wins by 1 goal the bet is void, if it draws or loses, the bet is lost).</li></ul></div>"
        }
      ]
    }
  ]