Payment of Winnings Policy

Payment of Winnings Policy

Lottorbit · Licensed by the Tobique Gaming Commission · Version 1.0

1. Introduction and Scope

1.1. This Payment of Winnings Policy ("Policy") explains how Lottorbit ("we", "us", "the Company") determines, credits, verifies, and pays out winnings to Customers, in accordance with the Tobique Gaming Act 2023 ("Gaming Act") and the General Code of Practice for Remote Gaming License Holders ("the Code") issued by the Tobique Gaming Commission ("Commission").

1.2. This Policy forms part of, and should be read together with, our Terms and Conditions and the Game Rules for each game, including Happy 8 (KL8).

2. Determination of Winnings

2.1. Winnings are determined strictly in accordance with the published Game Rules and, where applicable, the prevailing %RTP or prize-tier structure for the relevant game.

2.2. For Happy 8 (KL8), the number of matches between your selection and the drawn numbers, combined with your Pick type, determines the applicable prize tier. Fixed tiers pay a stated amount per unit wagered; floating tiers pay a share of the applicable prize pool. Where more than one prize tier applies to a single line, only the highest applicable tier is paid. The full prize hierarchy is published in our Prize Hierarchy table.

2.3. If a cap is established on any jackpot or prize pool, additional contributions once that cap is reached are credited to the next jackpot or pool.

2.4. Smaller prizes are credited automatically to your Account balance, typically shortly after settlement of the relevant draw. Larger prizes, including any tier requiring manual review, will be confirmed through our review process before payment, and may involve tax reporting and additional identity verification.

2.5. Prize claims must be submitted within the validity period stated in the applicable Game Rules. Claims submitted after this period are forfeited.

3. Verification Before Payout

3.1. Winnings will not be paid out until your identity and age have been formally verified. Verification will, in any event, be completed before the earlier of: 30 days from your first deposit; cumulative deposits reaching the equivalent of EUR 2,000 of your own funds (as opposed to recycled winnings); or your first withdrawal request.

3.2. During this verification period, you may continue to deposit and play, but you will not be able to withdraw deposits or winnings until your identity and age are confirmed. We may request supporting documentation, such as a passport, driving licence, or birth certificate.

3.3. If verification is unsuccessful, your Account will be supervised and then reviewed, restricted, or suspended until your age and identity can be established.

3.4. If we become aware that a Customer was underage at the time winnings were generated, those winnings will be forfeited to the Commission, except that any winnings already paid to the Customer before we became aware of their age will not be forfeited. Deposited stakes will be returned in accordance with our Terms and Conditions.

4. Requesting a Withdrawal

4.1. Subject to any legitimate restriction that may apply, such as an ongoing security or verification check, you may initiate a withdrawal of your cleared Account balance at any time.

4.2. Withdrawal requests are normally processed within five (5) working days, excluding weekends and bank holidays, of the conclusion of any required verification, subject to applicable withdrawal limits and payment processing timeframes.

4.3. A description of our withdrawal process, including typical processing times for different withdrawal methods is available on our website.

4.4. Account-related queries about a pending withdrawal will be addressed promptly by our customer support team.

5. Payment Methods and Currency

5.1. Deposits and withdrawals are processed only through banking and payment providers approved by the Commission. We will not change these arrangements without the Commission's prior written consent.

5.2. All prizes for Happy 8 (KL8) are denominated and settled in US Dollars (USD). Information about any currency conversion rates applicable to deposits, balances, and withdrawals is available on our website.

5.3. We do not extend credit for gaming, other than through a promotion or bonus we choose to offer; winnings are paid from cleared funds only.

5.4. Customer card numbers are stored and processed in accordance with PCI DSS compliance standards.

6. Segregation of Customer Funds

6.1. Customer funds, including cleared balances, pending withdrawals, and guaranteed prizes, are segregated from our own corporate working capital in a separate regulated bank or electronic money institution account, held at all times in an amount equal to at least 100% of our total customer fund liabilities, with additional margin to cover standard costs and fees.

6.2. Your balance, any pending withdrawals, and any guaranteed prizes are separately identifiable at all times, and we are able to demonstrate sufficient cash and cash equivalents to pay these balances.

6.3. If the total funds owed to customers at any time exceeds the funds we have available for immediate payout, we will make up the deficit within 7 days of it occurring, and will provide proof of that redress to the Commission.

7. Withholding or Freezing Winnings

7.1. We may freeze your Account, or withhold winnings, where the Commission instructs us to do so to carry out an investigation into suspicious activity. Access will be restored once we are notified that the investigation has concluded.

7.2. Where we have reason to believe or suspect that an interruption to, or the result of, a transaction has been caused or affected by illegal activity, we may withhold any winnings that might otherwise be due pending investigation, and will immediately inform the Commission of the circumstances.

7.3. Where we cancel or void a transaction, or withhold winnings, for reasons such as suspected fraud, deception, or interference with software, we will notify the commission within 24 hours of the action taken.

7.4. If the Commission carries out an investigation into alleged illegal activity, it may direct us to pay any winnings withheld, or confirm our decision to withhold them and direct us to refund the amounts staked or wagered by any affected Customer instead.

8. Aborted, Cancelled, and Disrupted Draws

8.1. If a significant service disruption causes a pending draw or transaction to be aborted, we will refund the affected stakes or wagers in a manner that is fair to all participants and compliant with the Gaming Act. Where possible, we will instead ensure the transaction resumes without detriment to you.

8.2. For Happy 8 (KL8) specifically: if a technical fault or service interruption prevents a draw from proceeding normally, all unsettled wagers for that draw are voided and the corresponding stake is refunded in full to your Account balance. If a draw is rescheduled for any reason, valid tickets automatically roll forward to the new draw time.

8.3. Where a disruption causes detriment to affected customers, or arises from suspicious or illegal activity, we will not process further transactions likely to be affected by the same issue, and will notify the commission within three (3) working days, proportionate to the seriousness of the disruption.

8.4. A multi-player game is not considered to have malfunctioned where two or more players are able to continue the game.

9. Winnings and Self-Exclusion

9.1. If you self-exclude, you are not prevented from withdrawing any or all of your cleared Account balance during the exclusion period. If you select permanent self-exclusion, your Account balance will be remitted to you.

9.2. Where we exclude you on a mandatory basis because you are shown to be under the age of 18, your balance will be returned to you at that time, subject to Clause 3.4 above.

10. Dormant Accounts

10.1. If your Account becomes Dormant (no transactions for six continuous months), any applicable administrative charge will not exceed EUR 5 per month (or its equivalent), and will only be applied after we have given you at least 14 days' written notice. Your Account will not be reduced to zero before the conclusion of this process, and any winnings or balance held will remain payable to you subject to our standard verification requirements.

11. Record Keeping

11.1. We keep records of all customer transactional information, including deposit and withdrawal history and gambling transaction history, for five (5) years from the date of your last activity with us, and will provide this information to the Commission upon request.

12. Queries and Complaints About Payment

12.1. If you believe a payout, prize determination, or withdrawal was handled incorrectly, please contact our customer support team without undue delay, and no later than the period stated in our Terms and Conditions. Our records of the relevant draw, RNG output, and settlement will be treated as conclusive evidence of the outcome absent a demonstrable error.

12.2. If a payment dispute cannot be resolved through our internal complaints procedure, it may be referred to our independent Alternative Dispute Resolution provider, as described in our Terms and Conditions.