Legal framework for using Parimatch in Nigeria

1. Scope of these general terms

These general terms govern your access to and use of betting services provided under the Parimatch brand in Nigeria. They apply to:

• Registration and management of your betting account
• Access to sports betting, virtual games, casino games and related services
• Use of bonuses, promotional offers and loyalty benefits
• All bets placed and all transactions processed through the platform

If you do not accept these terms, you must not use the website, mobile site, or mobile application.

2. User agreement and acceptance of terms

By completing registration, ticking any acceptance box, or continuing to use the services, you agree that:

• These terms form a binding legal agreement between you and the licensed operator of Parimatch in Nigeria
• You have read the terms carefully and understand your rights and obligations
• You will comply with all rules related to bets, bonuses, payments, and responsible gambling
• You consent to the use and processing of your personal data as described in the privacy and security sections

The current version of these terms replaces any previous versions that may have applied to your account.

3. Eligibility and user requirements

To open and use a betting account in Nigeria, you must:

• Be at least 18 years old
• Have full legal capacity to enter into binding agreements
• Be a resident or be physically present in Nigeria when placing bets on events
• Not be flagged as a person restricted from gambling under Nigerian law or any self exclusion scheme
• Not be using the services for any criminal, unlawful, or unauthorised purpose

You confirm that all information provided during registration is accurate, complete and up to date. The operator may request documents at any time to verify your age, identity, address and source of funds.

4. Territory and legal use

The services are intended only for users located in jurisdictions where online betting is allowed by law. You are responsible for ensuring that your use of the platform is legal in your location. The operator may:

• Restrict access from certain countries or regions
• Suspend or close accounts suspected of using VPNs or similar tools to bypass location controls
• Void bets placed from territories where betting services are not allowed

5. Account creation and management

You may hold only one active account in your own name. It is not allowed to:

• Open an account on behalf of another person
• Transfer your account to any third party
• Share your login details or allow anyone to place bets on your behalf

You are responsible for keeping your username, password and any security codes secret. Any bet placed after successful login using your credentials will be treated as having been placed by you. You must inform customer support immediately if you suspect that your account has been compromised.

6. Changes to terms and rules

The operator may modify these terms, the general betting rules, payment rules or bonus conditions at any time to reflect regulatory changes, product updates, risk management measures or operational needs. When changes are made:

• An updated version will be published on the official website
• In material cases, you may be notified by email, SMS, push notification, or system message

Continued use of the services after changes take effect means that you accept the updated terms. If you do not agree, you must stop using the services and request closure of your account.

7. Proper use of the platform and services

You agree to use the website, mobile site, mobile application and all related services only for legitimate betting activities. In particular you must not:

• Attempt to interfere with the normal operation, security or integrity of the platform
• Use automated tools, bots, scripts or scraping software to place bets or access data
• Create multiple accounts in order to abuse bonuses or betting limits
• Collude with other users or persons involved in a sports event to gain unfair advantage
• Upload or share any unlawful, offensive, or infringing content

All content, code, design, graphics, logos, odds feeds and data provided on the platform are protected by intellectual property rights and may not be copied, modified, distributed, or used for any commercial purpose without prior written permission.

8. Content protection and intellectual property

The operator and its licensors own all rights in the software, systems, databases, trademarks, trade names and betting data used to provide the services. You obtain a limited, personal, non transferable licence to access and use the platform for placing bets and managing your account, subject to these terms. You must not:

• Reverse engineer or attempt to access the source code
• Use any content to create another betting or odds comparison service
• Remove or alter any copyright, trademark or other ownership notices

9. Liability limitations and user responsibilities

Subject to applicable Nigerian law, the operator provides the services on an “as available” basis and does not guarantee that access will be uninterrupted or free from technical errors. In particular, the operator will not be liable for:

• Any loss arising from your failure to keep login details secure
• Bets placed by mistake before you confirm the bet slip
• Delays or interruptions caused by internet or mobile network providers
• Losses due to events outside the operator’s reasonable control, including suspension or cancellation of an event by organisers or authorities

You are responsible for assessing the risk of each bet and for all decisions relating to your betting activity. Under no circumstances should betting be treated as a source of regular income.

10. Breach of terms and consequences

If you violate these terms, the operator may, depending on the seriousness of the breach:

• Issue a warning or request an explanation
• Suspend your account temporarily
• Cancel or void bets and remove bonuses or winnings obtained through abuse
• Permanently close your account and, where required by law, forfeit funds pending investigation
• Report suspected unlawful activity to law enforcement or regulators

Action taken will be proportionate and in line with applicable Nigerian legal and regulatory requirements.

1. Eligibility to place bets

Only users who meet all eligibility requirements under the general terms may place bets. In addition you must:

• Have a verified account in your own name
• Have sufficient available balance in your account
• Be located in Nigeria or in another jurisdiction where betting on the platform is allowed at the time of placing the bet

Bets placed by or for minors, or by persons restricted under Nigerian law, are void and any winnings may be forfeited.

2. Bet acceptance and contract formation

A bet is considered accepted only when:

• It appears in your betting history as confirmed, and
• A unique reference number is assigned by the system

Adding a selection to your bet slip or pressing a button is not enough if the system does not confirm acceptance. If there is a disagreement about whether a bet was placed or its terms, the records stored in the operator’s systems will be treated as final, subject to applicable law and any regulatory review.

3. Types of bets and available markets

The platform offers single and multiple bets on a wide range of sports, leagues, tournaments, virtual events and casino style games. The rules for each type of bet or game, including settlement methods, payout tables and special conditions, are provided in the specific game or market description. You are responsible for reading these rules before placing a bet.

4. Odds, bonus offers and pricing

Odds and bonus offers for events are set at the operator’s discretion and may change at any time before a bet is accepted. Once a bet is confirmed, the odds shown at that moment will be used to calculate any winnings. Obvious errors in odds or pricing, sometimes called palpable errors, may lead to correction or voiding of affected bets. A palpable error is one that a reasonable customer would recognise as incorrect, such as odds that are reversed or clearly inconsistent with the market.

5. Minimum and maximum bet amounts

The platform may apply minimum and maximum bet stakes on events. Limits may vary depending on:

• Sport and competition
• Type of market
• Your account history and risk profile

The system will normally display the minimum and maximum amount allowed before you confirm your bet. The operator may also set maximum potential winnings either per bet, per event or per day for a particular user or group of users. Bets that exceed these limits may be partially accepted up to the allowed amount or rejected.

6. Bet settlement and calculation of wins and losses

All bets are settled based on the official result of the event or game as confirmed by the relevant organiser, federation, league or game provider at the time of settlement. Unless stated otherwise in specific market rules:

• Winnings for a successful bet are calculated by multiplying your stake by the odds
• For multiple bets all selections must win for the bet to be successful, unless a selection is void
• If a selection is void or cancelled, that part of the multiple bet is settled at odds of 1.00 and the rest of the bet stands

Settlement may be adjusted if the official result is corrected shortly after the event due to technical error, provided the correction is widely announced by the organiser and in line with usual betting practice.

7. Betting restrictions and risk controls

The operator may apply certain restrictions for legal, regulatory or risk management reasons, for example:

• Limiting the maximum stake or potential payout on an event or market
• Restricting bets or bonuses for specific accounts where unusual patterns are detected
• Refusing bets placed after the scheduled start time of an event, unless offered as live betting
• Prohibiting bets on events where you are involved as participant, official, coach or have privileged insider information

These restrictions are aimed at ensuring fair betting conditions, complying with Nigerian law and protecting the integrity of events.

8. Bet cancellation and voiding rules

A bet cannot be cancelled by you after confirmation. In certain situations the operator may cancel or void a bet in whole or in part, including where:

• The bet was accepted due to a technical failure or obvious error in odds
• The event is postponed, abandoned or cancelled and the market rules state that bets are void
• There is evidence of match fixing, manipulation of an event or use of insider information
• The bet was placed by an ineligible person or contrary to Nigerian law

If a bet is void, the stake will normally be returned to your account. For multiple bets, only the affected selection will be settled as void.

9. Settlement disputes and corrections

If you believe a bet has been settled incorrectly, you should contact customer support as soon as possible and not later than 30 days from settlement. You should provide:

• Your account details
• The bet reference number
• A clear explanation of the issue

The operator will review your complaint using system logs, event data and applicable rules. If an error is confirmed, the settlement will be corrected and your account balance adjusted. If you are not satisfied with the outcome, you may escalate the complaint in line with the dispute resolution procedures set out by Nigerian regulators.

1. Funding your betting account

You may fund your account using payment methods made available to users in Nigeria, such as:

• Bank cards and bank transfers supported by local banks
• Mobile money and USSD based services
• Approved e wallets and payment gateways

Accepted methods are listed in the cashier section of the website and app. You may only use payment instruments that are registered in your own name. The operator may reject payments from third party accounts or from methods that do not pass security checks.

2. Deposit limits, fees and processing

For each payment method the operator may set minimum and maximum deposit amounts. These limits are displayed in the cashier before you confirm a transaction. Where a processing fee applies, it will be shown transparently before you proceed. Deposits are normally credited instantly or within a short period, but processing times may vary depending on your bank, payment provider or network conditions.

3. Use of funds and account balance rules

Funds deposited into your betting account are intended for placing bets and participating in gaming services. You must not treat your account as a bank account or money transfer tool. The operator may require that a reasonable level of betting activity takes place before allowing withdrawals, especially where deposits have been made but no bets were placed. Bonuses and promotional credits may be subject to additional wagering requirements, which are specified in the relevant bonus rules.

4. Withdrawal requests and verification

You may request withdrawals from your account balance at any time, subject to:

• Completion of all required identity verification checks
• Compliance with anti money laundering and counter terrorism financing laws in Nigeria
• Sufficient cleared funds in your account that are not subject to ongoing investigation or wagering requirements

Withdrawals are usually processed via the same method used for deposit, where possible. If this is not possible for technical or legal reasons, an alternative method may be offered subject to additional checks.

5. Withdrawal limits, fees and timelines

The operator may apply minimum and maximum withdrawal limits per transaction, per day or per month. These limits, as well as any applicable fees, are shown in the cashier section. Processing times for withdrawal requests depend on internal checks and the policies of banks and payment providers, but the operator aims to process verified requests within a reasonable timeframe. Delays may occur where additional verification is required or public holidays affect banking operations.

6. Security, KYC and AML controls on transactions

To protect both users and the integrity of the financial system, the operator applies Know Your Customer and Anti Money Laundering controls to all transactions. You may be asked to provide:

• A valid government issued ID
• Proof of address in Nigeria
• Proof of ownership of the payment method used
• Evidence of source of funds or source of wealth for higher value transactions

Failure to provide requested documents may lead to delays, cancellation of withdrawals or suspension of your account, as required by Nigerian law.

7. Transaction restrictions and refusals

The operator reserves the right to decline or reverse deposits or withdrawals where:

• Payment details do not match your registered personal data
• Transactions appear to be linked to fraud, money laundering or other unlawful activity
• There is a chargeback, dispute or reversal initiated by your bank or payment provider
• Nigerian regulatory or legal requirements prevent completion of the transaction

In such cases appropriate action will be taken, which may include reporting suspicious transactions to relevant authorities.

8. Cancellation and reversal of operations

Once you confirm a deposit or withdrawal request, it cannot normally be cancelled by you. In certain circumstances the operator may, at its discretion and subject to legal obligations:

• Attempt to reverse a transaction that has not yet been processed
• Adjust your account balance to correct mistakes resulting from technical or human error
• Cancel withdrawals funded by deposits that were later reversed, disputed or not honoured by your bank

Any such adjustments will be documented in your transaction history and can be reviewed on request.

1. Commitment to responsible betting

The operator is committed to promoting responsible betting and protecting users in Nigeria from gambling related harm. Betting is a form of entertainment that carries financial risk. You should only place bets using money you can afford to lose and should never borrow funds or use essential living expenses for betting.

2. Tools to manage your betting behaviour

A range of tools is provided to help you control your betting activity. Depending on your account status and regulatory requirements in Nigeria, these may include:

• Deposit limits that cap how much you can fund your account over a chosen period
• Loss limits that restrict how much you can lose before betting is blocked for that period
• Session limits and time reminders to help you monitor how long you spend on the platform
• Cooling off periods where your access to betting services is temporarily suspended at your request

You can usually set or adjust these limits in the account settings section. Any request to decrease a limit takes effect as soon as possible, while requests to increase a limit may be subject to a waiting period.

3. Self exclusion options

If you feel that your betting is no longer under control or is affecting your personal, family or financial life, you can request self exclusion. Self exclusion may:

• Block access to your account for a defined period or permanently
• Stop you from placing new bets or claiming bonuses
• Restrict marketing communications related to betting offers

During a self exclusion period you should not attempt to create new accounts. The operator will take reasonable steps to prevent this, but you also bear responsibility for respecting your decision.

4. Recognising problem gambling risks

You should monitor your betting behaviour for warning signs of gambling problems, such as:

• Chasing losses or increasing stake size to recover money
• Betting more often or for longer periods than planned
• Hiding betting activity from family or friends
• Using money intended for bills, school fees or other essentials to place bets

If you notice these signs, consider taking a break, lowering your limits or requesting self exclusion.

5. Support and help in Nigeria

If you are worried about your gambling or that of someone close to you, support is available. You can seek help from:

• Local counselling services in Nigeria that address addiction and financial stress
• International organisations such as Gamblers Anonymous and similar support groups that can be accessed online
• Professional health providers, such as psychologists or counsellors, who understand gambling related issues

Contact details for available support services and hotlines may be listed in the responsible gambling section of the website or provided on request by customer support.

6. Protection of minors

Providing betting services to persons under 18 is prohibited under Nigerian law. To reduce the risk of underage gambling:

• Age verification checks are carried out during registration and at withdrawal
• Parents and guardians are encouraged to use device level parental controls and to keep login details secure

If you suspect that a minor has access to an account, you must inform customer support immediately so that appropriate action can be taken.

1. Legal obligations under Nigerian AML laws

The operator is required under Nigerian anti money laundering and counter terrorism financing laws to identify customers, monitor transactions and report suspicious activity. These legal duties are designed to prevent the betting platform from being misused to disguise the source of funds, finance illegal activities or support terrorism.

2. Know Your Customer identity checks

To satisfy Know Your Customer requirements, the operator may collect and verify information such as:

• Full name, date of birth and nationality
• Residential address and contact details in Nigeria
• Copies of valid government issued identification documents
• Proof of address, for example utility bills or bank statements
• Source of funds or source of wealth for larger transactions or higher risk profiles

Identity checks may be performed at registration, before first withdrawal or whenever risk based monitoring suggests that further verification is required.

3. Transaction monitoring and risk assessment

All deposits, withdrawals, bets and bonuses are subject to ongoing monitoring using automated and manual systems. These systems assess factors such as:

• Frequency, size and pattern of transactions
• Use of multiple payment methods or accounts
• Rapid movement of funds in and out of the account without genuine betting activity
• Links to higher risk countries or sectors identified in Nigerian regulations

Where the pattern of activity does not match the customer profile or appears unusual, the operator may request additional information.

4. Detection and reporting of suspicious activity

If transactions, betting behaviour or customer information give reasonable grounds to suspect money laundering, fraud or terrorism financing, the operator may:

• Place temporary restrictions on the account
• Delay, freeze or deny withdrawals and other transactions
• Request detailed explanations and supporting documents
• File a suspicious transaction report with the Nigerian Financial Intelligence Unit or other competent authority

In many cases the operator is legally prohibited from informing you if such a report has been made.

5. Consequences of AML policy violations

Failure to cooperate with KYC or AML checks, or evidence that your account is being used for unlawful purposes, may lead to:

• Immediate suspension or closure of your account
• Freezing of funds in accordance with Nigerian law and instructions from authorities
• Cancellation of bets, bonuses and winnings associated with suspicious activity
• Reporting to law enforcement and regulatory bodies for further investigation

The operator retains records of your identity and transactions for the period required by law, even after your account is closed.

1. Compliance with data protection legislation

The operator processes personal data of users in Nigeria in line with applicable data protection laws, including the Nigeria Data Protection Regulation where relevant. The purpose is to provide betting services, manage your account, comply with legal obligations and improve the platform.

2. Categories of personal data collected

Depending on how you use the services, the operator may collect:

• Identification data, such as name, date of birth and gender
• Contact details, such as email address, phone number and residential address
• Account information, including username, settings, betting history, bonuses used and communication preferences
• Payment and transaction data, such as deposits, withdrawals and the methods used, subject to security standards
• Technical data, such as IP address, device identifiers, browser type and operating system
• Behavioural data, such as pages visited, time spent, and interaction with offers, used to improve services and manage risk

3. Purposes of data use

Your personal data may be used for the following purposes:

• Creating, verifying and managing your account
• Offering and operating betting and gaming services, settling bets and crediting bonuses
• Conducting KYC and AML checks, preventing fraud and ensuring security
• Handling customer support requests, complaints and disputes
• Sending service messages about changes to terms, rules, security or account status
• Providing marketing communications where you have given consent or where permitted by law, which you can opt out of at any time

Data processing is based on legal obligations, performance of the user agreement, legitimate interests and, where applicable, your consent.

4. Sharing of personal data

To provide services and comply with Nigerian regulations, the operator may share your data with:

• Payment providers and banks for processing deposits and withdrawals
• Identity verification and credit reference agencies to conduct KYC checks
• Technology and security partners who support platform operations
• Regulators, law enforcement and courts where required by law or to protect legal rights

Any third party that processes personal data on behalf of the operator is required to apply appropriate security measures and use the data only for authorised purposes.

5. International transfers

In some cases personal data may be stored or processed in countries outside Nigeria. Where this occurs, appropriate safeguards are applied, such as contractual protections or use of providers in jurisdictions recognised for adequate data protection. The aim is to ensure your data remains protected to a standard consistent with Nigerian law.

6. Data retention

Personal data is retained only for as long as necessary for the purposes described in this policy and to meet legal, regulatory and accounting obligations. This includes retention periods specified under Nigerian AML and gambling regulations. After the applicable period expires, data is deleted or irreversibly anonymised, subject to technical limitations and backup policies.

7. Your data protection rights

Subject to Nigerian law and certain limitations, you may have the following rights:

• Right to access personal data held about you
• Right to request correction of inaccurate or incomplete data
• Right to request deletion of data in specific circumstances
• Right to object to certain types of processing, such as direct marketing
• Right to withdraw consent where processing is based on consent, without affecting prior lawful processing

Requests to exercise these rights can be submitted through customer support or any dedicated privacy contact channel listed on the website. You may be asked to confirm your identity before your request is processed.

8. Cookies and similar technologies

The platform uses cookies and similar technologies to support technical operation, improve user experience, analyse performance and deliver content relevant to your interests. You can manage cookie preferences through your browser settings and, where available, in the website’s cookie management tool. Some cookies are essential for basic functions such as login and bet placement and cannot be disabled.

1. Security commitments

The operator applies technical and organisational measures intended to protect the confidentiality, integrity and availability of your personal data, betting history and account balance. Security controls are regularly reviewed to address new threats, Nigerian regulatory guidance and industry standards.

2. Technical protection measures

Measures used to protect data and transactions may include:

• Encryption of data transmitted between your device and the platform using industry standard protocols
• Segregation of critical systems and strict access control for staff
• Firewalls, intrusion detection and anti malware tools to guard against unauthorised access
• Regular security testing and monitoring of system performance

Payment details are handled in line with applicable security standards, and sensitive data is stored using strong encryption and access limits.

3. Account security features

To reduce the risk of unauthorised access, the platform may offer or require:

• Strong password rules and periodic password updates
• Two factor authentication methods, such as one time passwords sent by SMS or generated by an app
• Automatic logout after a period of inactivity

You are expected to:

• Keep login details confidential and never share them
• Use unique passwords not used for other online services
• Log out after using a shared or public device
• Inform customer support immediately if you suspect your account has been compromised

4. Monitoring and incident response

The operator monitors access attempts, transactions and system activity to detect unusual behaviour or potential attacks. If a security incident affects your account or data, appropriate steps will be taken, which may include:

• Temporarily suspending access to your account
• Forcing a password reset or enabling additional security checks
• Investigating the cause and impact of the incident
• Notifying you and relevant authorities where required by Nigerian law

5. Your role in maintaining security

Security is a shared responsibility. You are responsible for:

• Using up to date antivirus software and secure internet connections
• Avoiding public or unsecured Wi Fi networks when accessing your betting account where possible
• Ignoring and reporting any suspicious emails, SMS or calls that request your password or other sensitive data

The operator will never ask you to disclose your full password or one time codes through email or social media.