Terms & Conditions

Last Updated: January 2024

1. Introduction and Acceptance

1.1 Agreement Overview

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“Player,” “User,” “you,” or “your”) and Stellar Ltd., operating under the Frumzi Casino brand (“Frumzi,” “we,” “us,” or “our”). By registering an account, accessing our website, or utilizing any services offered through our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

1.2 Operator Information

Frumzi Casino is operated by Stellar Ltd., a company registered in the Union of Comoros, located at Mutsamudu, Autonomous Island of Anjouan. Our platform operates under multiple gaming licenses including authorization from the Malta Gaming Authority (MGA), the Anjouan Gaming Authority, and the Philippine Amusement & Gaming Corporation.

1.3 Modifications to Terms

We reserve the right to modify, amend, or update these Terms at any time without prior notice. Any changes become effective immediately upon publication on our website. Continued use of our services following any modifications constitutes acceptance of the revised Terms. Players are responsible for regularly reviewing these Terms to remain informed of any updates.

1.4 Additional Policies

These Terms should be read in conjunction with our Privacy Policy, Responsible Gaming Policy, Bonus Terms and Conditions, and all other policies referenced herein. In case of conflict between these Terms and supplementary policies, these Terms shall prevail unless specifically stated otherwise.

2. Eligibility and Account Registration

2.1 Age Requirements

You must be at least 18 years of age (or the legal age of majority in your jurisdiction, whichever is higher) to create an account and use our services. We reserve the right to request proof of age at any time, and failure to provide such documentation may result in account suspension or closure with forfeiture of funds.

2.2 Jurisdictional Restrictions

Our services are not available to residents of certain countries and territories, including but not limited to:

  • United States of America and its territories
  • Ontario, Canada (all other Canadian provinces are accepted)
  • Countries where online gambling is prohibited by law
  • Any jurisdiction where our licensing does not permit operations

Players are solely responsible for determining whether their use of our services complies with applicable local laws. Attempting to access our services from restricted jurisdictions through VPNs or other circumvention methods constitutes a material breach of these Terms and may result in immediate account closure and forfeiture of all funds.

2.3 Account Registration Requirements

To register an account, you must:

  • Provide accurate, current, and complete information during registration
  • Use your real name, date of birth, address, and contact information
  • Maintain and promptly update your account information to ensure accuracy
  • Create a unique username and secure password
  • Verify your email address and mobile phone number (if provided)
  • Complete Know Your Customer (KYC) verification when requested

2.4 One Account Per Person

Each player is permitted only one account. Multiple accounts opened by the same person (including accounts opened under different names or addresses) will be closed, and all associated funds, bonuses, and winnings will be forfeited. We employ sophisticated fraud detection systems to identify duplicate accounts.

2.5 Account Responsibility

You are solely responsible for:

  • Maintaining the confidentiality of your login credentials
  • All activities conducted through your account
  • Ensuring no third party accesses your account
  • Notifying us immediately of any unauthorized account access
  • Logging out after each session, especially on shared devices

We are not liable for any losses resulting from unauthorized account access due to your failure to maintain credential security.

3. Deposits, Withdrawals, and Financial Transactions

3.1 Deposit Methods and Limits

We accept deposits through various payment methods including:

  • Credit and debit cards (Visa, Mastercard)
  • E-wallets (Skrill, Neteller, PayPal, MuchBetter, Jeton, MiFinity)
  • Bank transfers and Interac
  • Cryptocurrencies (Bitcoin, Ethereum, Litecoin, Dogecoin, USDT, and others)
  • Regional payment methods (PIX, GCash, WebPay, and others)

Minimum Deposit: €10 (or currency equivalent)
Maximum Deposit: Varies by payment method (€1,000 to €5,000 per transaction)

All deposits are processed in the currency of your account. We do not charge fees for deposits, though third-party payment processors may apply their own fees.

3.2 Withdrawal Procedures

To request a withdrawal, you must:

  • Complete full KYC verification (see Section 3.3)
  • Meet all applicable wagering requirements
  • Request withdrawals through the same payment method used for deposits (where possible)
  • Comply with minimum withdrawal amounts (€10 or equivalent)
  • Respect maximum withdrawal limits based on your VIP tier

Processing Times:

  • E-wallets: 0-24 hours after verification
  • Credit/debit cards: 1-3 business days
  • Bank transfers: 1-5 business days
  • Cryptocurrencies: Instantaneous upon approval

Withdrawals are not processed during weekends or public holidays. All withdrawal requests are reviewed for compliance with our anti-fraud and anti-money laundering policies.

3.3 Know Your Customer (KYC) Verification

Before processing your first withdrawal, we require verification documents including:

  • Government-issued photo identification (passport, driver’s license, or national ID card)
  • Proof of address dated within the last 90 days (utility bill, bank statement, or government correspondence)
  • Payment method verification (screenshots or statements showing ownership)
  • Additional documentation may be requested for enhanced due diligence

Verification typically takes 24-48 hours but may extend to 5 business days for complex cases. Failure to provide requested documentation within 30 days may result in account suspension.

3.4 Withdrawal Limits

VIP Level 1-2:

  • Daily limit: €500
  • Monthly limit: €7,500
  • Annual limit: €35,000

VIP Level 5:

  • Daily limit: €20,000
  • Monthly limit: €300,000
  • Annual limit: Contact VIP manager

Higher VIP tiers receive progressively increased limits. All limits are subject to change and may be adjusted based on account activity and verification status.

3.5 Anti-Money Laundering (AML) Policies

We maintain strict anti-money laundering procedures in compliance with international standards. Suspicious transactions will be reported to relevant authorities. Players must wager deposited funds at least once before withdrawal is permitted. We reserve the right to request source of funds documentation for deposits exceeding specific thresholds.

3.6 Currency and Conversion

Accounts are maintained in the currency selected during registration. Currency changes are not permitted after account creation. Deposits and withdrawals in currencies different from your account currency will be converted at prevailing exchange rates, with conversion fees potentially applied.

4. Bonuses and Promotions

4.1 Bonus Eligibility and Activation

All bonuses and promotions are subject to specific terms and conditions published on our bonuses page. Players must manually activate bonuses through the “My Bonus” section before wagering with deposited funds. Bonuses cannot be activated retroactively after gameplay has commenced.

4.2 Welcome Bonus Structure

Standard Welcome Bonus:

  • 100% deposit match up to €500/CAD $2,000/USD $750 (varies by region)
  • 200 free spins distributed over 10 consecutive days (20 spins per day)
  • Minimum qualifying deposit: €20
  • Bonus activation required before first wager

4.3 Wagering Requirements

All bonuses are subject to wagering requirements before withdrawal is permitted:

Standard Casino Bonuses: 35x (deposit + bonus amount)
Free Spin Winnings: 40x winnings amount
Live Casino Bonuses: 40x bonus amount
Sports Betting Bonuses: 6x combined amount (5x for Nordic regions)

Game Contribution Rates:

  • Slots: 100%
  • Live casino and table games: 10%
  • Video poker: 5%
  • Certain excluded games: 0%

4.4 Bonus Play Restrictions

While an active bonus is in your account:

  • Maximum bet limit: €5 per spin/hand/round
  • Certain high RTP games are excluded from bonus play
  • Bonus funds must be used within 10 days of activation
  • Real money is wagered before bonus funds

4.5 Maximum Winnings from Bonuses

For players in Thailand, Brazil, Chile, and Peru, maximum winnings from welcome bonuses are capped at 10x the bonus amount. Other jurisdictions may have different caps as specified in individual promotional terms.

4.6 Bonus Abuse and Fraud

We reserve the right to void bonuses and associated winnings if we detect:

  • Multiple account creation to claim bonuses repeatedly
  • Irregular betting patterns designed solely to clear wagering requirements
  • Collaboration with other players to manipulate bonus systems
  • Any form of bonus abuse or advantage play

4.7 VIP Program Terms

Our VIP program consists of 5 tiers with automatic enrollment upon registration. Advancement occurs through sustained account activity including deposits, wagers, and betting volume. VIP benefits include:

  • Increased withdrawal limits
  • Higher cashback percentages (5%-15% based on tier)
  • Exclusive promotions and tournaments
  • Dedicated account managers (higher tiers)

VIP status is subject to continuous review and may be adjusted or revoked based on account activity patterns.

5. Gameplay Rules and Game Integrity

5.1 Random Number Generator (RNG) Certification

All virtual casino games (slots, table games, video poker) utilize certified Random Number Generator technology to ensure fair and unpredictable outcomes. Our RNG systems undergo periodic third-party auditing by independent testing laboratories to verify integrity and randomness.

5.2 Game Rules and Payouts

Each game available on our platform has specific rules, paytables, and return-to-player (RTP) percentages displayed within the game information section. Players are responsible for understanding game rules before wagering. RTP percentages represent theoretical long-term returns and do not guarantee specific session outcomes.

5.3 Game Malfunctions

In the event of game malfunction, system error, or technical failure:

  • All affected bets are void
  • Wagers are returned to player accounts
  • Bonus rounds in progress at the time of malfunction are voided
  • We are not liable for any losses resulting from technical malfunctions

Players should immediately report any suspected game malfunctions to customer support.

5.4 Disconnections During Gameplay

If you experience disconnection during active gameplay:

  • Incomplete betting rounds will be completed automatically by the system
  • Results can be verified in your gaming history after reconnection
  • For live dealer games, bets placed before disconnection remain valid

5.5 Prohibited Gaming Activities

The following activities are strictly prohibited and constitute material breach of these Terms:

  • Use of automated betting software, bots, or artificial intelligence
  • Collusion with other players in poker or live games
  • Exploiting game errors or software vulnerabilities
  • Card counting or advantage play techniques in live dealer games
  • Any form of cheating, hacking, or system manipulation

Violation of these prohibitions results in immediate account closure, balance forfeiture, and potential legal action.

5.6 Bet Limits and Maximum Wins

Minimum and maximum bet limits vary by game category and are displayed within each game. While we do not impose a universal maximum win limit on standard gameplay, individual games may have maximum payout caps specified in their rules. Progressive jackpot wins are paid in full according to the jackpot amount at the time of win.

6. Sports Betting Terms

6.1 Sportsbook Acceptance of Bets

We reserve the right to:

  • Refuse any bet or limit stake amounts without explanation
  • Suspend betting on any event or market
  • Void bets placed after an event has started (unless specifically offering in-play betting)
  • Correct obvious pricing errors and void affected bets

6.2 Settlement and Results

Bets are settled based on official results declared by the relevant governing body for each sport. We reserve the right to:

  • Delay settlement pending confirmation of official results
  • Void bets on events that are abandoned, postponed, or cancelled
  • Settle bets based on “dead heat” rules where multiple winners exist

6.3 Cash Out Functionality

Where available, the Cash Out feature allows you to settle bets before event conclusion. Cash Out values are calculated dynamically based on current odds and game state. We reserve the right to:

  • Suspend Cash Out availability at any time
  • Reject Cash Out requests during rapid odds movements
  • Limit Cash Out availability on specific bet types or events

6.4 In-Play Betting

In-play (live) betting is subject to rapid odds changes reflecting real-time event developments. Bets are accepted at odds displayed at the time of bet confirmation, though delays in bet transmission may result in odds changes before acceptance. We reserve the right to reject in-play bets placed after significant events have occurred.

6.5 Sports Betting Bonuses

Sports betting bonuses are subject to separate terms including specific rollover requirements (typically 6x combined deposit and bonus amount). Sports bonuses cannot be used in conjunction with casino bonuses unless explicitly stated in promotional terms.

7. Responsible Gaming and Self-Exclusion

7.1 Commitment to Responsible Gaming

We are committed to promoting responsible gaming and providing tools to help players maintain control over their gambling activities. Gambling should be entertaining, and we encourage all players to gamble responsibly within their means.

7.2 Player Protection Tools

The following tools are available through your account settings:

  • Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts
  • Session Time Limits: Configure maximum continuous play duration with automatic logout
  • Loss Limits: Establish maximum loss thresholds within specified periods
  • Reality Checks: Receive periodic notifications displaying session duration and spend
  • Account Pause: Temporarily freeze your account for periods from 24 hours to 6 weeks

7.3 Self-Exclusion

Players concerned about problematic gambling behavior may self-exclude from our platform for periods ranging from 6 months to permanent exclusion. During self-exclusion:

  • Account access is completely blocked
  • No deposits or withdrawals are permitted
  • Marketing communications are suspended
  • Account cannot be reopened during the exclusion period

To initiate self-exclusion, contact our support team at [email protected] or via live chat.

7.4 Support Resources

We provide links to professional gambling support organizations including:

  • Gamblers Anonymous
  • GamCare
  • BeGambleAware
  • National Problem Gambling Helpline (1-800-GAMBLER where applicable)

If you believe you may have a gambling problem, we strongly encourage you to seek professional help through these resources.

7.5 Underage Gambling Prevention

We employ strict age verification procedures to prevent underage gambling. Parents and guardians are encouraged to use parental control software to restrict minors’ access to gambling websites. Any accounts discovered to belong to underage users will be immediately closed with funds forfeited.

8. Account Closure and Suspension

8.1 Voluntary Account Closure

You may close your account at any time by contacting customer support. Upon voluntary closure:

  • Outstanding wagering requirements must be completed or forfeited
  • Pending withdrawals will be processed according to standard timelines
  • Bonus balances will be forfeited
  • Account reopening requests are subject to approval and cooling-off periods

8.2 Involuntary Account Suspension or Closure

We reserve the right to suspend or close your account immediately without prior notice if:

  • We suspect fraudulent, illegal, or abusive activity
  • You breach any provision of these Terms
  • You provide false or misleading information
  • We detect multiple accounts belonging to you
  • Your jurisdiction prohibits online gambling
  • We are required to do so by law or regulatory directive
  • Your account has been inactive for 12+ months (dormant account)

8.3 Consequences of Account Closure

Upon account closure for breach of Terms:

  • All bonuses and associated winnings are forfeited
  • We reserve the right to deduct administrative costs and investigation expenses
  • Deposits may be returned at our discretion minus any applicable fees
  • Legal action may be pursued for fraudulent activities

8.4 Dormant and Inactive Accounts

Accounts with no login activity for 12 consecutive months are classified as dormant. We reserve the right to charge a monthly maintenance fee of €5 (or currency equivalent) on dormant accounts with positive balances until the balance reaches zero or the account is reactivated.

9. Privacy and Data Protection

9.1 Data Collection and Usage

We collect and process personal information in accordance with our Privacy Policy and applicable data protection regulations including GDPR (General Data Protection Regulation). Information collected includes:

  • Personal identification information (name, date of birth, address)
  • Contact information (email, phone number)
  • Financial information (payment method details, transaction history)
  • Gameplay data (betting patterns, game preferences, session logs)
  • Technical information (IP address, device information, browser type)

9.2 Purpose of Data Processing

We process your personal data for the following purposes:

  • Account creation and management
  • Identity verification and KYC compliance
  • Payment processing and fraud prevention
  • Marketing communications (with your consent)
  • Legal and regulatory compliance
  • Customer support and dispute resolution

9.3 Data Security

We implement industry-standard security measures including SSL encryption, PCI DSS compliance, and secure data storage protocols to protect your personal information from unauthorized access, disclosure, or loss.

9.4 Data Sharing

We may share your information with:

  • Payment processors and financial institutions
  • Identity verification service providers
  • Regulatory authorities when legally required
  • Third-party service providers supporting our operations
  • Law enforcement agencies investigating suspected illegal activities

We do not sell your personal information to third parties for marketing purposes.

9.5 Your Data Rights

Under GDPR and applicable data protection laws, you have the right to:

  • Access your personal data we hold
  • Request correction of inaccurate data
  • Request deletion of your data (right to be forgotten)
  • Object to certain data processing activities
  • Request data portability
  • Withdraw consent for marketing communications

To exercise these rights, contact our Data Protection Officer at [email protected].

10. Intellectual Property Rights

10.1 Ownership of Content

All content on our platform including text, graphics, logos, images, software, game content, and audiovisual materials is owned by Frumzi Casino, our licensors, or content providers and is protected by international intellectual property laws.

10.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our platform solely for personal entertainment purposes. This license does not permit:

  • Commercial use of platform content
  • Reproduction, distribution, or modification of website materials
  • Reverse engineering of software or games
  • Automated data extraction or scraping
  • Frame or mirror any platform content on other websites

10.3 Trademark Rights

“Frumzi,” the Frumzi logo, and all related marks are trademarks of Stellar Ltd. Unauthorized use of these trademarks is strictly prohibited and may result in legal action.

10.4 User-Generated Content

Any content you submit to our platform (reviews, forum posts, chat messages) grants us a perpetual, worldwide, royalty-free license to use, reproduce, modify, and display such content. You represent that you own all rights to submitted content and that such content does not violate third-party rights.

11. Limitation of Liability and Disclaimers

11.1 Service Availability

While we strive to maintain continuous platform availability, we do not guarantee uninterrupted access to our services. We are not liable for:

  • Temporary service interruptions due to maintenance, updates, or technical issues
  • Losses resulting from platform downtime or unavailability
  • Third-party service failures (payment processors, game providers, internet connectivity)

11.2 No Warranty of Winnings

We make no representations or warranties regarding the likelihood of winning or the profitability of gambling activities. All gambling involves risk, and you may lose your entire deposit. Past performance or game RTP percentages do not guarantee future results.

11.3 Third-Party Content

Our platform contains links to third-party websites and integrates third-party game content. We are not responsible for:

  • Accuracy, legality, or quality of third-party content
  • Privacy practices of linked websites
  • Performance or fairness of third-party game providers (beyond our verification procedures)

11.4 Maximum Liability Cap

To the fullest extent permitted by law, our total liability to you for all claims arising from or related to your use of our services is limited to the amount deposited into your account during the 90 days preceding the claim, with an absolute maximum of €10,000.

11.5 Exclusion of Consequential Damages

We are not liable for indirect, incidental, special, consequential, or punitive damages including but not limited to:

  • Loss of profits or revenue
  • Loss of data or information
  • Emotional distress or reputational harm
  • Opportunity costs or business interruption

11.6 Force Majeure

We are not liable for failure to perform obligations due to circumstances beyond our reasonable control including natural disasters, war, terrorism, government actions, internet failures, or other force majeure events.

12. Dispute Resolution and Complaints

12.1 Internal Complaint Process

If you have a complaint regarding our services:

  1. Contact customer support via live chat or email at [email protected]
  2. Provide detailed information about your complaint including relevant dates, transaction IDs, and supporting documentation
  3. Our support team will investigate and respond within 72 hours for standard complaints
  4. Complex complaints may require up to 14 business days for full investigation and resolution

12.2 Escalation to Management

If you are unsatisfied with the initial resolution, you may escalate your complaint to management at [email protected]. Management reviews typically conclude within 14 business days with a final determination.

12.3 Alternative Dispute Resolution

If internal resolution processes do not resolve your complaint satisfactorily, you may refer your dispute to:

12.4 Governing Law

These Terms are governed by and construed in accordance with the laws of Malta (for MGA operations) or the Union of Comoros (for Anjouan operations), depending on your jurisdiction of access. Any legal disputes shall be subject to the exclusive jurisdiction of the courts in the applicable governing jurisdiction.

12.5 Arbitration Agreement

By accepting these Terms, you agree that any disputes not resolved through internal complaint procedures or alternative dispute resolution shall be settled through binding arbitration in accordance with the rules of the International Chamber of Commerce (ICC). Arbitration proceedings shall be conducted in English in Malta.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy, Bonus Terms, and all referenced policies, constitute the entire agreement between you and Frumzi Casino regarding use of our services, superseding all prior agreements or understandings.

13.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

13.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future. Any waiver must be in writing and signed by authorized representatives.

13.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations to any affiliated entity or successor organization at any time without restriction.

13.5 Relationship of Parties

Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and Frumzi Casino. You are an independent party accessing services for personal entertainment purposes only.

13.6 Survival

Provisions of these Terms that by their nature should survive termination of your account or these Terms shall survive, including but not limited to intellectual property rights, limitation of liability, indemnification obligations, and dispute resolution procedures.

13.7 Language

These Terms are published in multiple languages for convenience. In case of conflict between language versions, the English version shall prevail.

14. Contact Information

For questions, concerns, or support regarding these Terms and Conditions, please contact us through the following channels:

Customer Support:

  • Live Chat: Available 24/7 on our website
  • Email: [email protected]
  • Response Time: Typically within 2-24 hours

Compliance and Legal Inquiries:

Mailing Address: Stellar Ltd. Mutsamudu Autonomous Island of Anjouan Union of Comoros

15. Acknowledgment and Acceptance

By clicking “I Agree,” registering an account, making a deposit, or using any services provided by Frumzi Casino, you acknowledge that:

✓ You have read these Terms and Conditions in their entirety
✓ You understand and agree to be bound by all provisions
✓ You meet all eligibility requirements including age and jurisdictional requirements
✓ You are accessing our services for personal entertainment purposes only
✓ You understand that gambling involves risk and you may lose money
✓ You accept responsibility for maintaining the security of your account credentials
✓ You consent to our data processing practices as outlined in our Privacy Policy
✓ You agree to gamble responsibly and utilize available player protection tools

If you do not agree to these Terms, you must immediately discontinue use of our platform and not create an account.

Thank you for choosing Frumzi Casino. We wish you an enjoyable and responsible gaming experience.

For more information about our platform features, please visit: