NEW OPAP ONLINE APP

AGREEMENT OF ACCESSION TO GAMES OF CHANCE THROUGH THE INTERNET

The present Agreement of Accession (hereinafter the “Agreement” or the “Accession Agreement”) is concluded between société anonyme under name “Organization of Football Prognostics S.A.” (hereinafter “OPAP S.A.”) and the Player and it regulates the terms and conditions for the Player’s participation in the Games of Chance Conducted and Organized by OPAP S.A. through the Internet.

Article 1. DEFINITIONS

For the purposes of the present Agreement, the following words or phrases shall have the meaning below:
Suitability License shall mean the act approving a person’s suitability, in accordance with the provisions of the Regulation on the Suitability of Persons. 
Excluded Player shall mean any Player not being able to participate in Games of Chance, on their own initiative or following action of their judicial supporter towards OPAP S.A. or following a court judgment or any other justified decision made by OPAP S.A.
AML Authority shall mean the Anti-Money Laundering Authority of article 47 of L. 4557/2018 (Α 139).
Unusual transaction or activity shall mean the transaction or activity which is inconsistent with the transactional, business or professional behavior or the financial status of the person conducting the transaction or the Beneficial Owner, or which has no apparent economic, professional or personal purpose or motive.
General Regulation shall mean the Games Regulation- General Regulation on the Organization and Conduct of OPAP S.A. Games of Chance (Β 3838). 
Conduct shall mean the conduct of the games referred to in (s) of Article 25 of Law 4002/2011 (A 180). Any reference made in the provisions of the present Agreement to the notion of Conduct shall also refer to the notion of Organization and vice versa.
Organization shall mean the organization of the games referred to in (r) of Article 25 of Law 4002/2011 (A 180). Any reference made in the provisions of the present Agreement to the notion of Organization shall also refer to the notion of Conduct and vice versa.
HGC or Authority shall mean the Hellenic Gaming Commission (www.gamingcommission.gov.gr).
Special Regulation shall mean the decision of the Minister of Finance issued following an HGC recommendation, in accordance with the provision of par. 3 of article 29 of L. 4002/2011 (Α 180), by which specific matters on the Organization and Conduct of every Game of Chance of OPAP S.A. are regulated.
Electronic Account of Electronic Player Account (EPA) shall mean the unique account kept by the Operator for each Player, so that the latter may participate in Games of Chance organized and conducted by the Operator through the Internet.
Website shall mean the website ending in “.gr”, on which the Player may participate in the Games of Chance of OPAP S.A. through the Internet. The website shall belong to OPAP S.A. which manages and operates it exclusively, in accordance with the applicable provisions.
Regulation on OPAP S.A. Games of Chance or the Regulation shall mean the Regulation on the Organization and Conduct of OPAP S.A. Games of Chance through the Internet” (Β 5571). The Regulation on OPAP S.A. Games of Chance shall be posted on the Website of OPAP S.A.
AML Regulation shall mean the Regulation on the implementation of measures by the Liable Persons against money laundering and the financing of terrorism in the market of games of chance services (Β 1633). 
Regulation of Persons Suitability shall mean the Games Regulation on the Suitability of Persons. The Regulation of Persons Suitability is posted on the Websites of OPAP S.A. (Β 3262 Correction of Errors Β 4441).
Manufacturer shall mean the person who manufactures (indicatively: studies, designs, assembles, produces, programs Technical Means and Material) and makes any Technical Means and Material available to OPAP S.A., in any manner, and who has been registered to the relevant registry held by the HGC.
License Holders shall mean the companies having been licensed by the HGC, in accordance with art. 45 of L. 4002/2011 (Α 180), in order to provide the games of chances- services of online betting and/or other online games (RNG/ Live casino and poker). 
Central Information System (CIS) shall mean the entirety of the necessary hardware and software for the organization, operation, conduct, monitoring, recording, control and management, at a central level, of the Games of Chance by OPAP S.A.
Payment Means shall mean any Money Transfer, debit card, credit card, pre-paid card, electronic wallet (e-wallet), personalized device, cash and any other means used by the Player for the deposit and withdrawal of amounts during the conduct of Games, in accordance with the applicable provisions.
Money Transfer shall mean any transaction conducted through electronic means by the Payment Services Provider on behalf of a payer. The purpose is money allocation to a beneficiary via a Payment Services Provider, regardless of whether the Payment Services Provider of the payer and the one of the beneficiary is the same person, including: a) credit transfers, b) direct debits, c) remittances services, in accordance with the provisions of L. 4537/2018 (Α 84), and d) transfers conducted with the use of a payment card for any type of electronic money or any other personalized device with relevant features and functionality, in accordance with the applicable provisions.
Non-cooperating states shall mean the countries and jurisdictions of par. 3 of article 65 of L. 4172/2013 (Α 167) as well as the countries of par. 3 of Annex II of L. 4557/ 2018 (Α 139).
Game Guide or Guide shall mean the informational material issued by OPAP S.A. and posted on its Website in Greek, which includes, per Game, all necessary information for the Participation of the Players, the terms and rules of Conduct of Games, in accordance with art. 12 of the General Regulation on the Organization and Conduct of OPAP S.A. Games of Chance, and the payout/ winnings distribution table, if any.
HGC Instructions shall mean the HGC circular instructions regarding the implementation of the provisions of the Regulation on OPAP S.A. Games of Chance. The Instructions shall have a binding effect within the framework of the Authority's relations with the citizens.
OPAP S.A. shall mean Société Anonyme under name “Organization of Football Prognostics S.A.” and the distinctive title “OPAP S.A.”, having its seat in Greece, Athens, at 112 Athinon Ave., P.C. 10442, with TIN 090027346, Athens Taxation of Commercial S.A. Companies Office, and with GEMI no. 003823201000.
Games or Games of Chance shall mean the Games of Chance organized and conducted in Greek territory by OPAP S.A., based on art. 27 of L. 2843/2000 (A 219), art. 184 of L. 4972/2022 (A 181), and on the Concession Agreement.
Player shall mean the natural person who lawfully participates in the Games of Chance of OPAP S.A. through the Internet and who constitutes one of the two contracting parties of the Agreement.
Gaming Activity shall mean all transactions and other data kept in OPAP S.A.’s information systems regarding each one specific Player, which are associated with the Electronic Player Account kept by OPAP S.A.
Gaming Session shall mean the time period as of the moment when a Player logs into his/her Electronic Account until the time he/she logs out. The duration of a Gaming Session may not exceed twenty-four (24) hours.
Payment Services Provider is a credit or payment or e-money institution, lawfully established and operating in Greece or in another EU or EEA Member State, per the applicable provisions, including its certified representatives or branches.
Personal Data Protection Policy shall mean the corporate policy of OPAP S.A. regarding the personal data and the information it collects and then processes in the framework of conduct of games of chance through the Internet, especially regarding the manner the data and information are collected, the purpose and the legal basis of their processing, the manner of use, communication, storage and protection of data and information, the rights of the data subjects and the technical and organizational security measures. The Personal Data Protection Policy is available here www.opaponline.opap.gr.
Beneficial Owner shall mean the natural person on behalf of which the transaction or the activity is conducted, in accordance with the provisions of paragraph 17 of article 3 of L. 4557/ 2018 (Α 139).
Concession Agreement shall mean the agreement between the Hellenic State and OPAP S.A. dd 15.12.2000, as amended by the act of 4.11.2011, extended by the supplementary act of 12.12.2011, as amended and applicable by act dd 29.04.2013, on the concession of the exclusive right to Organize and Conduct the Games of Chance mentioned therein to OPAP S.A.
Agreement or Accession Agreement shall mean the present agreement concluded between OPAP S.A. and a Player, so that the latter can lawfully participate in OPAP S.A. Games of Chance conducted through the Internet.
Participation/ Entry shall mean the entry of the Player’s predictions for the draws/ competitions of OPAP S.A. Games of Chance through the Internet and their validation following the payment of a fee.
Technical Means and Material (TMM) shall mean any certified, if a certification is required, means/ material/ machine, or electronic/ mechanical or electromechanical and electronic program (any kind of software or computerized system) used for the Conduct of Games of Chance, which relates to and/or affects and/or defines and/or monitors and records the result of the Games of Chance or the Conduct of the Games of Chance in general. The CIS shall be also included in the notion of the Technical Means and Material. 
Games of Chance shall mean the Games of Chance organized in Greek territory by OPAP S.A., based on art. 27 of L. 2843/2000 (A 219), art. 184 of L. 4972/2022 (A 181), and on the Concession Agreement, which are mentioned in par. 3.2 of the present Agreement.  
Responsible Gaming shall mean all OPAP S.A.’s principles and obligations and all arrangements of the Regulation on OPAP S.A. Games of Chance and of the HGC’s Instructions aiming to ensure that any activity in the gaming sector is exercised in accordance with the applicable provisions, in a socially responsible way, in order for the negative impact on the Players due to their participation in OPAP S.A. Games of Chance to be minimized.
Suspicious transaction or activity shall mean the one on which there are sufficient indications or suspicions of actual or attempted commission of the offenses referred to in article 2 of L. 4557/2018 or of involvement of the Player or Beneficial Owner in criminal activities, on the basis of the assessment of data of the Gaming Activity and of the Player, such as the nature of the Gaming Activity, the category of the Payment Means, the frequency, complexity and value of the transaction, the use or non-use of cash, the occupation, financial condition, transactional behavior, reputation, past record and other data that are important for the characterization of the transaction.
Operator shall mean OPAP S.A. 

Article 2. GENERAL PRINCIPLES

2.1    In accordance with article 10 of the Regulation on OPAP S.A. Games of Chance, the conclusion of an Accession Agreement is required, the draft of which shall have been approved in advance by the HGC.
2.2    The original drafting language of the Agreement is Greek. Given that for specific terms international terminology related to the Games of Chance in another language is used, such terminology may be stated as it is, under the condition that its translation into Greek has been previously made or that it is accompanied by it, when possible. In case of differentiation of the contractual texts between the Greek version and the version in another language, the Agreement in Greek shall prevail.
2.3    The Agreement and any amendment thereof shall be concluded by the acceptance of its terms by the Player. The acceptance shall be conducted in an electronic manner, either by the creation of the Electronic Player Account or, in case of an Agreement’s amendment, upon the first logging of the Player into his/her Electronic Account, following the posting of the new Agreement on the Website.
2.4    The Agreement and any amendment thereof shall be approved by the HGC.
2.5    OPAP S.A. shall not post on the Website versions of the Agreement that have not been approved by the HGC.
2.6    The Terms of the Agreement and the legislative and regulatory framework regulating the Organization and Conduct of Games of Chance are posted on the Website and are available to any interested person.
2.7    When the Player selects “I accept” at the end of the registration procedure, he/she proceeds to the conclusion of the Agreement. By the Agreement’s conclusion, the Player shall commit to have fully understood and unreservedly accepted to Participate in the Games of Chance under its terms, the relevant Games Guides, the Personal Data Protection Policy and the rest corporate policies of OPAP S.A., as well as to observe the applicable legislative and regulatory framework on the Conduct of Games of Chance and the relevant Instructions of the HGC.
2.8    If the Player does not accept the Agreement, OPAP S.A. shall not create an Electronic Player Account. In case the Player does not accept the amendment of the Agreement’s terms per term 2.3 of the present, OPAP S.A. shall terminate the contractual relationship, the Accession Agreement shall be dissolved, OPAP S.A. shall close the Electronic Account and shall proceed to the clearance of any pending transactions thereof with the Player, in accordance with the provisions of the Regulation on OPAP S.A. Games of Chance, the AML Regulation and the applicable provisions.
2.9    OPAP S.A. shall bring to the attention of the Player the full text of the Agreement and any amendment thereof. In case of amendment, OPAP S.A. shall notify the Player upon his/her first logging into the Electronic Account, by specifically referring to the amendments having occurred, that in order for the Player to continue to Participate in the Games of Chance Conducted by OPAP S.A., he/she is required to be informed on the content of the new Agreement and to conclude it again by accepting its terms, and that the non-acceptance of the Agreement’s terms shall entail the dissolution of the Agreement and its relevant terms on the dissolution shall be applied regarding the closure of the Electronic Player Account and the clearance of transactions, by observing the provisions of the Regulation on OPAP S.A. Games of Chance, the AML Regulation and the applicable provisions.
2.10    The Organization and Conduct of OPAP S.A. Games of Chance shall be conducted in accordance with the provisions of art. 27 of L. 2843/2000 (Α 219), art. 184 of L. 4972/2022(Α 181), the Concession Agreement, the General Regulation on the Organization and Conduct of OPAP S.A. Games of Chance, the Regulation on OPAP S.A. Games of Chance, the Special Regulations in the Guides, and the HGC Instructions. 

Article 3. PURPOSE AND SCOPE OF THE ACCESSION AGREEMENT

3.1    The purpose of the Agreement is the regulation of the Player’s Participation in the Games of Chance Organized and Conducted by OPAP S.A. through the Internet, in accordance with the applicable legislative and regulatory framework on the Organization and Conduct of Games.
3.2    OPAP S.A. may provide online, through Website www.opaponline.opap.gr, the following Games of Chance: 
1. JOKER
2. KINO
3. LOTTO
4. PROTO
5. NUMBER GAME 5 OUT OF 35 (EXTRA 5) 
6. SUPER 3
7. BINGO LOTTO
8. SUPER 4
9. PROPO
10. PROPOGOAL
11. BASKETBALL GAMES PROGNOSTICS
12. TEAM SPORTS GAMES PROGNOSTICS

3.3    The present Accession Agreement has been approved by the HGC by decision no. 6143/15.03.2023.

Article 4. CONDUCTED GAMES

4.1    In the framework of the present Agreement, the Player may participate in one or more of the following Games of Chance:
1. JOKER
2. KINO
3. LOTTO
4. PROTO
5. NUMBER GAME 5 OUT OF 35 (EXTRA 5) 
6. SUPER 3
7. BINGO LOTTO
8. SUPER 4
9. PROPO
10. PROPOGOAL
11. BASKETBALL GAMES PROGNOSTICS
12. TEAM SPORTS GAMES PROGNOSTICS

4.2    For the provision of the Games, OPAP S.A. cooperates with the Manufacturers having received a Suitability License by the HGC and having been registered in the Registry kept by the HGC, which is available in the following link:
https://certifications.gamingcommission.gov.gr/publicRecordsOnline/SitePages/KataskevastesOnline.aspx
4.3    The special rules of conduct of every individual Game of Chance or category of Games of Chance are included in the Guide of every individual Game of Chance. Details such as the environment of Organization and Conduct, the rules of each Game of Chance, the prize tiers, the winning possibilities, the designation manner of the winning outcome, the minimum and maximum Entry fee, the payout multipliers,the calculation manner of the tax on winnings for a specific game, the depiction manner, etc., shall constitute information described, among others, in the Guide of each Game of Chance.

4.4    The Player’s Participation in a Game of Chance entails his/her unreserved acceptance of the respective applicable Guide of the Game of Chance. The Guide of each Game of Chance is posted on Website www.opaponline.opap.gr 

Article 5. CREATION OF ELECTRONIC PLAYER ACCOUNT

5.1    OPAP S.A. holds, for every Player, a unique Electronic Account and the Player participates in OPAP S.A. Games of Chance exclusively through this particular Electronic Account. The creation of multiple Electronic Accounts by the same Player and the management of his/her Electronic Account by third persons are prohibited.
5.2    Prior to the creation of an Electronic Account, the Player shall fill in the relevant registration application that is available on the Website.
5.3    The Player, upon the registration process and the filling-in of the details, shall declare that the information provided is true and accurate. The Player is obliged to immediately inform OPAP S.A. in the event of any change of the information he/she provided upon his/her registration and/or upon the latest update that he/she conducted, concerning the existence of the said changes. Moreover, the Player is obliged to immediately respond to every request of OPAP S.A., at any time it may be notified thereof, regarding the submission of additional details and information that, per OPAP S.A.’s opinion, allow and facilitate the observance of its obligations, as such derive from the eventually applicable legal and regulatory framework, in accordance with the provisions of the AML Regulation.
5.4    Upon the creation of an Electronic Account and for this purpose, the Player, via the Website through which his/her registration is conducted, shall be notified on the required documents he/she shall submit to OPAP S.A. for the certification and the verification of his/her identity, within thirty (30) days as of the filling-in of the registration application, in accordance with the provisions of the AML Regulation.
5.5    OPAP S.A. shall obligatorily refer to the record of excluded persons held by itself and the HGC to ascertain that the Player applying for the creation of an Electronic Account is not registered therein. In case the Player is registered in the record of excluded persons, the request for the creation of an Electronic Account shall be rejected and the Accession Agreement shall not be concluded. 
5.6    For the creation of an Electronic Player Account, the Player shall declare and warrant that:
5.6.1    He/she has full legal capacity and there is no other impediment to his/her participation in the Games.
5.6.2    He/she is above 21 years of age.
5.6.3    His/her Participation in the Games constitutes a free and independent personal choice of his/hers and is conducted without incitement or motivation.
5.6.4    He/she uses the Electronic Player Account solely and exclusively for himself/herself and not on behalf of a third party.
5.6.5    He/she shall notify OPAP S.A., without any liable delay, in case of change of any personal detail he/she has provided at the time of his/her registration and of the creation of the Electronic Account and/or later.
5.6.6    He/she has the required software and hardware to use the services and to receive updates and notifications from OPAP S.A.
5.6.7    He/she shall be participating in OPAP S.A. Games of Chance and shall be conducting transactions exclusively connected via an IP address located within Greek territory.
5.7    The Player shall be aware of, fully understand and accept that he/she is prohibited from and will not be allowed (if or whenever this is detected):
5.7.1    To create and/or use more than one Electronic Accounts.
5.7.2    To use financial transactions means (payment means) of third parties, such as indicatively: a bank account and/or other other payment accounts and/or a debit and/or pre-paid card, etc., even if the said payment means belong to relatives thereof. 
5.7.3    To proceed to the contesting of any deposit that he/she has already used for his/her Participation in the Games and in case chargeback is imposed to the detriment of OPAP S.A., he/she has to return the money and compensate OPAP S.A. for the non-paid deposits, including the expenses OPAP S.A. paid for the collection of his/her deposit.
5.7.4    To use the services provided by OPAP S.A. out of the Greek territory.
5.7.5    To attempt to Participate while being in a state of temporary abstention or exclusion. 
5.7.6    To attempt to Participate or to Participate in collusions (“fixed games”) or to proceed to unfair practices.
5.7.7    To deposit into the Electronic Account amounts that derive from criminal or other illegal activities.
5.8    The Player shall be aware of, fully understand and accept that:
5.8.1    In order to log into his/her Electronic Account and to operate it, he/she is required to use a unique username combined with a secret password. The combination of such details shall be unique for each Player, shall be used for the Player’s identification, shall constitute evidence of the use of the services provided by OPAP S.A. and confirmation of acceptance of the Agreement’s terms. Moreover, the Player shall have the possibility to select to use any available technological option provided by his/her device, so that his/her biometric data (fingerprint, face/iris recognition, etc.) operate similarly as a unique electronic signature of his/hers in replacement of the combined use of the username and the password, which he/she shall have created and the use of which shall be necessary upon the first logging-in of the Player. It is noted that OPAP S.A. does not store nor has any other way to have access to the biometric data of the Player’s face, but rather keeps a code confirming the Player’s identification. The Player’s biometric data may only be found on his/her device. At the same time, without prejudice to any additional measures on the identification-security of the Player upon the conduct of money online transactions imposed by the involved Payment Services Providers or OPAP S.A.’s software, the recording of the above details indicates the will of the Player to conduct transactions in his/her name and confirms that his/her Participation in the Games constitutes a product of intent solely of the Player, without the incitement or motivation by a third person. 
5.8.2    He/she shall keep secret the details he/she uses to log into his/her Electronic Account, proceed to a secret use and frequent change thereof, and notify OPAP S.A., without any liable delay, when he/she becomes aware of their loss, theft or illegal use. For transaction security reasons, it is recommended that the Player, when selecting his/her Password, make use both of Latin alphabet characters, with the parallel use of small and capital letters, and of numbers and punctuation marks.
5.8.3    He/she is obliged to amend the credentials for logging into his/her Electronic Account any time this is required by OPAP S.A., based on its corporate security policy.
5.8.4    The verification process of his/her identity shall be repeated by OPAP S.A. whenever there are doubts regarding the validity, accuracy and/or completeness of the details having been submitted.
5.8.5    OPAP S.A., in a consistent and systematic manner, shall implement due diligence measures in accordance with the provisions of L. 4557/2018, the AML Regulation and its corporate policy and it may take any appropriate measure, including the blocking of the Electronic Player Account, the freezing of any balance thereof, the refusal of provision of services or of payment or of granting of winnings certification or winnings certificate, in case the conditions of certification and verification of the Player’s identity are not met, or if, based on the data, the risk analysis, the tools and the policy implemented, it ascertains or has strong indications or suspicions that suspicious transactions were conducted or are conducted or were attempted or are attempted, by observing the provisions of the AML Regulation.
5.8.6    OPAP S.A. shall be able to refuse the services provision or the payment or the granting of winnings certification or winnings certificate, provided that it is ascertained that the Player is the citizen of a country having been characterized by the EU as a high-risk state regarding money laundering and financing of terrorism, or belonging to the Non-Cooperating States, or if he/she is included in the respective lists of the HGC, the competent police, administrative and court authorities, where such lists exist and are accessible to the Liable Persons, as well as in the HGC records related to restrictive measures or following a prosecutor’s order or mandate of the AML Authority.
5.8.7    OPAP S.A. may use special tools and systems for the verification of the Players’ details, including the recognition of technical means and devices used for the Participation, as well as any other appropriate means, among which the constitution and assessment of Gaming Activity patterns.
5.8.8    OPAP S.A. may implement systems and procedures of “strict Player identification verification” (Two factor Authentication, Strong Customer Authentication- 2FA, SCA), of equal value and effectiveness with the relevant provisions of Directive (EU) 2015/2366. For the implementation of the said systems and procedures, two or more details concerning knowledge (a detail that only the user knows), possession (a detail that only the user possesses), and a unique physical characteristic thereof (a detail that the user is) are used.  The above details shall be independent from each other, so that the violation of the one do not endanger the credibility of the rest.
5.8.9    OPAP S.A. shall provide the Player, through his/her Electronic Account, with full access to information regarding the Account balance, the history of the Gaming Activity, including the Entries, winnings and losses, deposits and withdrawals, as well as the rest transactions having been conducted during the Participation.
5.8.10    Without prejudice to par. 5 of article 30 of L. 4002/2011 (Α΄ 180), the records and data concerning the Player’s details, his/her Gaming Activity and the transactions he/she conducts through his/her Electronic Account and, in general, any piece of information collected concerning the provisions of the AML Regulation shall be kept by OPAP S.A. for five (5) years following the termination of the business relationship with the Player (e.g. Electronic Account closure) or the date of the occasional transaction to which he/she had proceeded (in case no business relationship had been concluded). These details, provided that it is allowed or imposed by another law provision or regulatory decision, may be retained for a longer time period, which shall not exceed ten (10) years. The HGC and any other authority acting within the framework of its competences shall have access to all the said details, by observing the provisions on the Protection of Personal Data and based on the relevant terms of the Agreement and the Personal Data Protection Policy of OPAP S.A.
5.8.11    Transactions exceeding the eventual monetary limits set by the AML Regulation may be thoroughly controlled by OPAP S.A., and full details and information may be asked by the Player so that the payment account declared by the Player and/or the rest payment means he/she uses, per case, be confirmed that they indeed belong to him/her.
5.8.12    OPAP S.A. shall take appropriate measures for the management and reduction of the operational and security risks related to the services it provides and, in this framework, it shall implement effective incidents’ management procedures, among others, on the identification and classification of major incidents related to Website operation and security.
5.8.13    OPAP S.A. shall not be held liable for any damage that may be caused due to any act or omission of the Player, which may result in improper or incorrect use of his/her Electronic Account.
5.8.14    The data and information provided to the Players through the Electronic Account and the Websites, such as, indicatively, Entries, sporting events, match schedules, odds, results, draw results, statistics, account balance, gaming behavior data etc., shall be provided solely for the personal use of the Players, whereas the distribution or commercial exploitation of such information is strictly prohibited.
5.8.15    The information and data provided by OPAP S.A. shall not constitute advice or consultation and shall not contribute to the encouragement or incitement of any person to Participate in the Games of Chance organized and conducted by OPAP S.A.
5.8.16    The Player is prohibited from using the services for any other reason apart from the Participation in the Games of Chance.
5.8.17    In order for the Player’s visit to the Websites to become user-friendly, OPAP S.A. monitors the number of visits using identifier files (cookies) that it receives from the Player’s browser program or from its software (client software). In any case, the Player shall have the possibility to refuse the placement and/or continuous transmission of information contained in cookies, apart from the ones that, per the reasonable judgment of OPAP S.A., are required for the lawful, correct and smooth provision and use of its services. More information related to the use of cookies may be found in the “Cookies Policy” of OPAP S.A., which is posted on the Website.
 

Article 6. TEMPORARY ELECTRONIC ACCOUNT

6.1    Upon its creation, the Electronic Player Account shall be set to “Temporary” state until, the latest within thirty (30) days, the required details are submitted and verified, in accordance with the provisions of the AML Regulation, through which it shall be verified that:
6.1.1    The details of the person for which the Electronic Account was created correspond to an existing person.
6.1.2    Such person, for which the Electronic Account has been created, ισ the same person as the one having requested its registration.
6.2    During the period the Electronic Account is on “Temporary” state:
6.2.1    OPAP S.A. shall credit the Electronic Player Account with the winnings arising from his/her Participation in the Games of Chance.
6.2.2    The Player shall not be able to deposit amounts exceeding, in total, eight hundred (800) EUR, either such amount is covered in one or in more acts.
6.2.3    The Player shall be allowed to Participate in draws and/or competitions that are scheduled to take place up to the expiry of the 30th day as of the day of creation of his/her Electronic Account.
6.2.4    The Player shall not be able to proceed to withdrawals/disbursements of amounts (of deposits and/or winnings) that have been credited to the Electronic Player Account.
6.3    In case the deadline of par. 6.1 lapses and the Player’s identity has not been verified, OPAP S.A.:
6.3.1    Shall turn the Electronic Account into the “Blocked” state, as such state is described in article 8 of the present, and shall cease accepting transactions with the Player.
6.3.2    Shall inform the Player on the turning of his/her Electronic Account in the “Blocked” state and shall set a deadline of thirty (30) days as of the “Blocking” date in order for the Player to proceed to the necessary actions and to submit the required details for the certification and verification of his/her identity. Provided that the Player submits the requested details, OPAP S.A. shall activate the Electronic Account and shall finalize its contractual relationship with the Player. If the above deadline lapses without action or the submitted details remain insufficient, OPAP S.A. shall close the Electronic Account and terminate the contractual relationship with the Player.
6.4    Provided that OPAP S.A., in accordance with the provisions of the AML Regulation and per its reasonable opinion, ascertains or has strong suspicions, based on the data, the risk analysis, the corporate policy and the tools it uses, that Suspicious or Unusual transactions were conducted or are conducted or were attempted or are attempted, it may refuse to return the remaining amount having been credited to the Temporary Electronic Account, or even block the Electronic Account until the terms set out by OPAP S.A. are fulfilled on behalf of the Player. 

Article 7. INACTIVE ELECTRONIC ACCOUNT

7.1    OPAP S.A. shall turn the Electronic Player Account into “Inactive” state in case of constant absence of Participation for a period of twelve (12) months.
7.2    OPAP S.A., at least thirty (30) days before putting the Electronic Player Account to “Inactive” status, shall notify the Player that his/her Electronic Account is about to be put in the said status, the reason why this is going to happen, any maintenance fees that may be imposed, any repercussions entailed by rendering the Account in such status, the way in which putting the Electronic Account in the said status may be avoided, the Player’s possibility of withdrawal of any balance of his/her Account and of requesting the closure of the Account and the termination of the contractual relationship.  .
7.3    As long as the Electronic Account is in the “Inactive” state:
7.3.1    The Player’s Participation in the Games is prohibited.
7.3.2    OPAP S.A. may impose maintenance fees to the Electronic Account provided that there is a credit balance therein. The amount of fees and the calculation methodology shall be set out by OPAP S.A. and be posted on the Websites.
7.3.3    The Player shall continue having access to the management of his/her Electronic Account and to the entirety of the data and information included in it or related to it, as well as to the services provided by OPAP S.A., apart from the Entries.
7.4    In case a period of twelve (12) months lapses as of the turning of the Electronic Account into the “Inactive” state, during which the Electronic Account has not been activated, or, even though it had been activated, there had been no Entries, OPAP S.A. shall close the Electronic Account (in accordance with below mentioned content of art. 9) and terminate the contractual relationship.
7.5    In case the Player submits at least one Entry during the time period until the lapse of twelve (12) months, the “Inactive” state of the Electronic Account shall be lifted.
7.6    After the turning of the Electronic Account into the “Inactive” state, the Player may:
7.6.1    Ask for the closure of the Electronic Account and the termination of the contractual relationship (namely the dissolution of the present Agreement), by removing any credit balance of his/her Electronic Account, after the deduction of any maintenance fees.
7.6.2    Ask for the re-activation of his/her Electronic Account and the restoration of the option to submit Entries. In such case, OPAP S.A., based on the data it retains, the risk analysis, the policy it implements and the tools it possesses, shall assess whether the requested restoration of the Electronic Account to its previous state presupposes the repetition of the verification process of the Player’s identity in accordance with the provisions of the AML Regulation.

Article 8. BLOCKING OF ELECTRONIC ACCOUNT

8.1    OPAP S.A. shall “Block” the Electronic Account:
8.1.1    In case of temporary abstention or temporary exclusion of the Player from the Games, in accordance with term 14 of the Agreement.
8.1.2    In the case of term 6.3.2 of the Agreement.
8.1.3    Following a prosecutor’s order.
8.1.4    Per the justified HGC’s opinion and following a relevant request thereof, provided that, based on the data the Authority holds, there is a need to “Block” the Account for purposes of securing the integrity of Games’ conduct, and of keeping the public order.
8.1.5    Following a request of any, apart from the aforementioned ones, competent Authority, per the law (e.g. AML Authority).
8.1.6    Following its justified opinion, if, based on the data, the risk analysis, the tools and the corporate policy it implements, it ascertains or has strong indications or suspicions that Suspicious transactions were conducted or are conducted or were attempted or are attempted, and given that it has proceeded to the necessary actions in accordance with L. 4557/2018 (Α 139) and the AML Regulation.
8.1.7    If it occurs or it is reasonably speculated, with sufficient and objective evidence, that the Player:
8.1.7.1    Encourages, supports or participates in actions of deceit, including the fixing of Games’ results or other illegal acts.
8.1.7.2    Participates in draws, while being member of the Audit Committee engaged in the implementation of the General Regulation.
8.1.7.3    Bets on draws and/or competitions of sporting or other events, in which he himself/she herself participated as an athlete, referee or in any other capacity or was in a position that could affect their outcome in any manner.
8.1.7.4    Bets to the detriment of himself/herself.
8.1.7.5    Makes use of information he/she receives regarding the results of Games.
8.1.7.6    Coordinates Games and proceeds to respective actions in agreement or concerted action along with other Players.
8.1.7.7    Attempts to technically intervene (“hack”) in his/her Electronic Account or in the Electronic Account of a third Player or proceeds to an abusive use thereof.
8.1.7.8    Makes use of automated systems (“robots”) or similar technologies in order to affect the outcome of a Game to his/her benefit or to the benefit of a third person.
8.1.7.9    Makes use of the Electronic Account, contact details and/or the username and the password of third Players.
8.1.7.10    Makes use, in a fraudulent way, of the benefits and bonuses, aiming at guaranteed winnings.
8.1.7.11    Makes use of potential technical problems of the systems that may occur.
8.1.7.12    Contests transactions (deposits) having been conducted in his/her knowledge aiming at the return of amounts, provided that their entry had no positive outcome.
8.2    OPAP S.A. shall not impose fees on “Blocked” Electronic Accounts.
8.3    The “Blocking” of the Electronic Account shall be lifted when the reasons of its imposition cease to exist.
8.4    In case the “Blocking” is not lifted within twenty-four (24) months as of the date it has been implemented, OPAP S.A. shall close the Electronic Account and shall terminate the contractual relationship, unless the Electronic Account has to continue being in the blocked state. Such reasons, in particular, (for which it is necessary that the Electronic Account continue to be blocked) are the existence of pending legal proceedings of OPAP S.A. with the Player concerning his/her Electronic Account, the fact that the blocking has been imposed following the request of a competent Authority, per the law, and there is no more recent request on its lifting or similar instructions per case, the fact that there are inheritance issues of the Player, following his/her death, that are notified to OPAP S.A.
8.5    For the time period the Electronic Account is “Blocked”, OPAP S.A. shall not allow the Participation as well as any act of Money Transfer to or from the Electronic Player Account.
8.6    In case, upon the imposition of “Blocking”, there are Entries not having been settled yet, OPAP S.A. shall proceed to the cancellation of the said Entries, by observing the applicable provisions and the AML Regulation.
8.7    In case the Electronic Account is “Blocked”, OPAP S.A. shall not notify the Player of data and information on which it has an obligation of confidentiality and secrecy per the applicable provisions of L. 4557/2018 (Α 139) and of the AML Regulation.

Article 9. CLOSURE OF ELECTRONIC ACCOUNT

9.1    OPAP S.A. shall “Close” an Electronic Player Account:
9.1.1    Directly after the submission of the Player’s request for the closure of his/her Electronic Account.
9.1.2    After the lapse of thirty (30) days as of the expiry of the deadline for the completion of the Player’s identity certification and verification process, provided that the Player has not submitted the entirety of the necessary details, in accordance with the provisions of the AML Regulation.
9.1.3    Directly after the submission of the Player’s request for his/her indefinite-time exclusion from the Games.
9.1.4    Provided that it has ascertained, or it has reasonable, justified and strong indications that part of or all information having been provided by the Player when creating his/her Electronic Account is untrue or inaccurate.
9.1.5    When twelve (12) months have been completed from turning the Account into the “Inactive” state.
9.1.6    Provided that twenty-four (24) months have been completed as of the “Blocking” of the Account (with the exception mentioned in the above point 8.4 of the present).
9.1.7    Provided that the Player has not accepted the amendment of the Agreement terms, in accordance with term 2.8 of the present. 
9.2    The re-creation of an Electronic Account by the Player is not allowed unless twelve (12) months have lapsed as of the closure of the Electronic Account. Case 9.1.2. shall be exempted from such prohibition under the condition that there is not the above case 9.1.4.
9.3    Upon closure of the Electronic Account, the contractual relationship between OPAP S.A. and the Player shall be terminated, the present Accession Agreement shall be dissolved and all data of transactions and Entries having been conducted with the use of the Electronic Account, as well as any other detail or data kept by OPAP S.A. on the occasion or in execution of the obligations of the parties in the framework of the contractual relationship shall be kept by it in the type, manner and time set out in the Regulation on OPAP S.A. Games of Chance and the applicable provisions.
9.4    In case there is a credit balance in a closing Electronic Account, while at the same time there is no reason or request for its freezing or seizure by a competent Authority, per the law, OPAP S.A. shall pay such balance to the Player in the declared account the soonest possible and, in any case, within three (3) business days as of the closure of the Electronic Account, by observing the provisions of the AML Regulation. In case no relevant account for the transfer of the Player’s existing credit balance has been declared, nor is respectively the communication attempt with him/her successful, the credit balance shall be transferred to an account of OPAP S.A. and the Player may ask for it in accordance with the Civil Code provisions.
9.5    In case, upon closure of the Electronic Account, the Electronic Account remains at the “Temporary” state, any winnings shall not be paid to the Player and OPAP S.A. shall clear the credit balance of the Electronic Account, without prejudice to the observance of the provisions on due diligence measures that OPAP S.A. is obliged to take, by observing the provisions of the AML Regulation.
9.6    In case, upon closure of the Electronic Account, OPAP S.A. is aware of the fact or has strong indications or suspicions that the monetary amounts of the Electronic Account, regardless of how large they are, constitute or are related to proceeds of criminal activities or are connected to the financing of terrorism, shall implement what is relevantly set forth in the provisions of L. 4557/2018 (Α 139) and in the AML Regulation.

Article 10. GAMING ACTIVITY LIMITS

10.1    Upon commencement of the first Gaming Session, following the creation of the Electronic Account, the Player, in accordance with the Regulation on OPAP S.A. Games of Chance, the HGC Instructions, the applicable provisions and the Responsible Gaming Principles, shall mandatorily set, for a specific period of time, the following limits, guided by a prudent gaming behavior, proportional to his/her capacities, and consciously considering the risks entailed in his/her participation in the Games: 
10.1.1    a monetary limit concerning the maximum deposit limit;
10.1.2    a monetary limit concerning the maximum loss limit; and
10.1.3    a time limit, concerning the maximum Participation time in the Games providing the option of consecutive Entries.
10.2    The limits shall be set at day level, from 00:00:00 until 23:59:59 of that calendar day, or at week level, from Sunday to Saturday, or at month level, from the first until the last day of the month.
10.3    The Player may amend the aforementioned limits, after the time for which they were set has lapsed, with the exception of amendment of existing limits in order to be rendered stricter, which is immediately implemented.
10.4    In case of interruption of the Player’s Participation due to the completion of the maximum Participation time limit, the Player shall not be allowed to Participate in the Games for the remaining period until the expiry time of the limit’s effect.
10.5    In case the Player, with his/her upcoming Participation, exceeds the limit of the maximum loss amount, he/she shall be allowed to continue his/her Participation under the condition that, with the placement to which he/she will proceed, he/she shall not exceed the set maximum loss limit.
10.6    OPAP S.A. shall notify the Player, with a relevant informative message of at least fifteen (15) seconds duration:
10.6.1    When he/she exceeds 80% of the money limits he/she has set, or of the maximum Participation time limit, or the twenty-four (24) hours of maximum duration of the Gaming Session.
10.6.2    When 100% of the monetary limit per case is reached, notifying that he/she will not be allowed to participate in games in excess of such limit.
10.6.3    When 100% of the time limit per case is reached, notifying that his/her Participation in the Game shall obligatorily be interrupted, per the applicable provisions.
10.7    Apart from and regardless of the maximum Participation time Limit that is determined by the Player, the maximum duration of a Gaming Session (Gaming Session Limit) may not exceed twenty-four (24) hours. These two Limits shall not be confused. For the calculation of the Gaming Session Limit of twenty-four (24) hours, the time shall be counted as of the moment the Player enters the Website of OPAP S.A. with the use of the log-in credentials, and the time shall be counted regardless of whether the Player Participates in the games or just browses the Website.
10.8    OPAP S.A. has the right to restrict Gaming Activity (Entries, payout) and/or transactions (deposits/withdrawals), provided that it deems that there is a risk of conduct of illegal acts and based on factors, such as the amount of financial risk, the type of the Game of Chance, the frequency of Entries, the frequency and amounts of the Player’s withdrawals from his/her Account, the amount of the expected payout, the characteristics and capacities of the person (e.g. occupation, financial status, gaming behavior, reputation, past record, data and other information based on which the influence of the Player or of his/her relatives or of persons closely related to him/her on the shaping of the result is reasonably suspected), a strong assumption of creation of a collusion among Players, information and data on the reasonable contesting of the integrity of a provided market, etc.
10.9    OPAP S.A. has the right to restrict Gaming Activity (Entries, payout) and/or transactions (deposits/withdrawals), in accordance with the rules of the reward schemes it implements, under the condition that the Player every time becomes fully aware of such rules and has consented in advance to their implementation.
10.10    OPAP S.A. has the right to restrict Gaming Activity (Entries, payout) and/or the transactions (deposits/ withdrawals), in the framework of implementation of the Responsible Gaming Principles, provided that from the data it possesses, it derives that the Player presents a problematic gaming behavior.

Article 11. PAYOUT

11.1 The calculation basis of the minimum annual amount of the entirety of the attributed winnings per Game of Chance shall be determined in the eventual Special Regulation and/or the eventual Guide of the Game of Chance.

Article 12. REWARDS

12.1 OPAP S.A. may reward the Players by implementing reward/loyalty programs, the terms and conditions of which are shaped and promoted by observing the provisions of the Regulation on OPAP S.A. Games of Chance.
12.2    The terms and conditions of each program shall be implemented in the same manner for all Players meeting the set out conditions, per case, in order to be included in the program or in any individual parts thereof.
12.3    OPAP S.A. may proceed, at any given moment, to the cancellation or amendment of any reward program, for any reason it may deem appropriate, at its discretion. 
12.4    OPAP S.A. may change or recall the reward that has already been provided if it is proven that the Player received such reward by mistake or in a fraudulent way, knowing that he/she does not fulfill the conditions, or if there are strong assumptions that the reward was attributed based on transactions and/or Entries and/or practices conducted in violation of L. 4002/2011, of fair dealing principles, of the Game Regulation and of the AML Regulation.

Article 13. RESPONSIBLE GAMING

13.1    OPAP S.A. shall implement the Responsible Gaming Principles, based on a consistent and coherent strategy it has drafted aiming to minimize the negative impact on Players from their Participation in the Games.
13.2    In the aforementioned framework, OPAP S.A.:
13.2.1    Shall ensure that the Organization and Conduct of Games is reliable and secure, consistent with the rules of public order, the public interest and the applicable regulatory framework, as well as that, upon the Conduct of the Games, persons below 21 years of age are excluded, vulnerable social groups are protected, and public health, security, and the lawfulness and transparency of transactions are not put at risk.
13.2.2. Shall constantly monitor and be informed on the developments regarding Responsible Gaming Principles and problematic gaming and shall make good use of the findings of modern research in that field.
13.2.3. Shall provide a special unit to the Websites with information on Responsible Gaming, in which any interested person may find, among others, information regarding from which age is someone allowed to Participate in Games, how the Participation decisions shall be made, which are the Responsible Gaming Principles, what constitutes a problematic gaming behavior, which are the adverse consequences and the risk entailed in the excessive exposure to Games, which is the phone number, without charging, for the provision of support consultation services, etc.
13.2.4. Shall develop special methodology and tools for the assessment of Gaming Activity for every Player Participating in the Games it conducts, for the detection and grading of the risk of development of the usual Gaming Activity of a Player to a problematic gaming behavior.
13.2.5. Shall encourage Players, discreetly and confidentially, to Participate in Games in accordance with their financial capability.
13.2.6. Shall, discreetly and confidentially, encourage the Player appearing to have indications of problematic gaming behavior, to take regular breaks from the Game (cooling off) or to proceed to a temporary abstention from the Participation in the Games for twenty-four (24) hours, in accordance with the provisions of the Electronic Games Regulation.
13.2.7. Shall, discreetly and confidentially, encourage the Player appearing to have problematic gaming behavior, to proceed to his/her abstention temporarily or for indefinite term, in accordance with the provisions of the Regulation on OPAP S.A. Games of Chance.
13.3    OPAP S.A. shall be providing the Player and any interested person with tools (tests) for self-assessment concerning their stance towards the Games, and it shall be encouraging them to assess such stance, by informing them at the same time that:
13.3.1. The test is anonymous and accessible to everyone and anyone can conduct it, without the signing up or the logging in the Websites being required.
13.3.2. Any Player and/or interested person may conduct the test at any time and as many times as he/she wants to.
13.3.3. The test is conducted in a fully automatized manner and the processing of the answers given to the interested person is the absolutely necessary one for the generation of results, to which results the person conducting his/her self-assessment has exclusive access, and which are not collected, stored, made available or in any other manner processed in OPAP S.A.’s information systems.
13.3.4. It allows once the Player and/or interested person to locally save the results of the test in the device, with a marking of the date and time they were generated.
13.5    In case that, for any reason, the test is not completed, the Player and/or interested person shall be able to repeat the process from the beginning.
13.6    ΟPAP S.A. shall consult, discreetly and confidentially, the Player appearing to have problematic gaming behavior, in order for him/her to look for help by contacting special bodies and centers of advisory support and/or rehabilitation.
13.7    OPAP S.A. shall exclude the Player and shall close his/her Electronic Account, based on a court decision or action of his/her judicial supporter.
13.8    OPAP S.A. has the right to proceed, per its justified opinion, to the temporary exclusion or exclusion of indefinite term of the Player, provided that from the data of his/her Gaming Activity, the information it possesses and the relevant policy it implements, it derives that the Player presents a problematic gaming behavior and, despite its repeated recommendations, the Player has not proceeded to his/her exclusion.
13.9. By the Agreement, the Player consents to the assessment of his/her Gaming Activity, aiming at the implementation of the Responsible Gaming Principles, while he/she is also informed and understands that the relevant obligations of OPAP S.A. are imposed by the applicable provisions and have as a purpose the protection of both himself/herself and the society.

Article 14. PLAYER EXCLUSION

14.1     The Player may proceed, following his/her request via the Website, to his/her exclusion from the Participation in Games, provided that the Player has logged in with his/her Electronic Account. The Player may not participate in Games after he/she has excluded himself/herself and as long as such exclusion lasts. 
14.2     The exclusion may take the form of (a) an exclusion of indefinite term, (b) a temporary exclusion or (c) of a temporary abstention.
14.3     The exclusion of indefinite term is set by the Player. In case the Player requests his/her exclusion of indefinite term, OPAP S.A. shall immediately deactivate the Electronic Account of the Player, turning it to the “Closed” status, and terminate the contractual relationship. The Player may re-create an Electronic Account following his/her request, after at least twelve (12) months have lapsed as of the exclusion and after the Accession Agreement has been re-concluded and the processes described in article 5 of the present have been completed.
14.4     The temporary exclusion is set by the Player and applies for a period of at least one (1) month, up to twelve (12) months. In case the Player asks to be temporarily excluded, OPAP S.A. shall immediately “Block” the Electronic Player Account and keep it in this state during such temporary exclusion period. By means of exception, following approval of OPAP S.A. and provided that the Player has been set to temporary exclusion or temporary abstention, he/she may participate only in Games characterized as low-risk ones, per HGC decision adopted under the terms and the process of par. 8.11 of the AML Regulation, following relevant request of OPAP S.A., by which the low risk of the said Games is substantiated, both in terms of combating of money laundering and in terms of development of problematic gaming activity.
14.5    The temporary abstention shall last twenty-four (24) hours. If the Player asks to temporarily abstain, OPAP S.A. shall immediately “Block” the Electronic Player Account and keep it in this state during such temporary abstention period.
14.6     In case of temporary or permanent exclusion, the Player shall provide OPAP S.A. with his/her implicit consent to register him/her in the record of excluded players it keeps, as well as to the record of excluded players the HGC keeps. All License Holders shall have access to the record of excluded players held by the HGC, in accordance with the Instructions issued by the HGC.
14.7     Without prejudice to the provisions of par. 14.4, the registration of a Player in the Record of Excluded Persons entails his/her exclusion from Participation in the Games of all License Holders. Each License Holder shall ensure that the Player registered in the Record may not Participate for as long as he/she is registered therein.
14.8    In case the Player is under temporary abstention, temporary exclusion or exclusion of indefinite term, OPAP S.A. shall not proceed to the dispatch of commercial communication material to the Player.
14.9    In case the Player has been set to a state of temporary exclusion or exclusion of indefinite term, as well as in the case of five (5) temporary abstentions, OPAP S.A. shall inform the Player regarding the option to receive consultative assistance and support by a Greek rehabilitation center.
14.10    OPAP S.A. has the right to proceed, per its justified opinion, to the temporary exclusion or exclusion of indefinite term of the Player, provided that from the data of his/her Gaming Activity, the information it possesses and the relevant Responsible Gaming policy it implements, it derives that the Player presents a problematic gaming behavior and, despite its repeated recommendations, the Player has not proceeded himself/herself to his/her exclusion.

Article 15. MONEY TRANSFERS

15.1     The payments of Entry amounts and of winnings deriving from the Participation shall obligatorily be carried out by and to OPAP S.A., without an intermediary, with the exception of Payment Services Providers established and lawfully operating in Greece or in another Member State of the European Union or of the European Economic Area.
15.2     Without prejudice to the content of the provisions of par. 14.4, OPAP S.A. shall not accept any deposit to an Electronic Player Account if the details of the person who is beneficiary of the said Electronic Account are not cross-checked with the details kept in the Record of Excluded Persons maintained by the HGC. P.
15.3     The deposit of amounts for the Participation, as well as the withdrawal of the Player’s credit balance shall be conducted through one or more than one of the following Payment Means:
15.3.1    Remittance.
15.3.2    Credit transfer.
15.3.3    Debit card.
15.3.4    Credit card.
15.3.5    Prepaid card.
15.3.6    Electronic wallet (e-wallet).
15.4     The deposits conducted in the Electronic Player Account shall be interest-free.
15.5     The transfer of amounts between Electronic Accounts of two or more Players is prohibited.
15.6     Upon deposit of an amount by the Player to his/her Electronic Account, the full awareness and implicit declaration of the Player that such deposit is conducted with the exclusive purpose of his/her Participation in the Games are presumed.
15.7     Deposits into the Electronic Account amounting to five thousand (5,000) EUR or more per act shall be accepted and used for the Participation, only provided that it is confirmed that the payments account declared by the Player belongs indeed to him/her.
15.8     Payments/Withdrawals to the Player, amounting to eight hundred (800) EUR or more per action, shall be conducted only provided that it is confirmed, prior to the transaction, that the payments account declared by the Player belongs indeed to him/her. In any case and for the safeguarding of its compliance with the relevant regulatory framework, OPAP S.A. may, at its discretion, ask from the Player documents substantiating his/her possession of a payment account even for a transaction of payment/withdrawal of an amount lower than eight hundred (800) EUR. For reasons of confidentiality of Player’s personla data, for net winnings exceeding one hundred thousand (100,000) EUR, the Player shall be informed on the way of their payment exclusively by specially authorized members of OPAP S.A.’s personnel, who will be the only ones having access to the said piece of information. In order for the payment of winnings to be conducted in such cases, OPAP S.A. may request, per case and in accordance with its absolute discretion, the Player’s presence in person or through a proxy at its headquarters.
15.9     The details of the Player’s payments account shall be verified by a relevant substantiation document, in accordance with the provisions of Chapter A of Annex I of the AML Regulation.
15.10    OPAP S.A. shall take any appropriate organization and technical measure so that Money Transfers to and from the Electronic Account be conducted via Payment Means that belong to the Player. In case the use of Payment Means belonging to third parties and not to the Player is later confirmed, OPAP S.A. shall prohibit the continuance of their use, shall cancel any transactions in progress, shall return, at an appropriate time, to the third party, namely the beneficiary of the Payment Means, the amount having been deposited, and any winnings having derived from transactions through this specific Payment Means of the third party shall not be attributed to the Player. If part or the entirety of the winnings have been attributed to the Player and withdrawn by him/her and the Player continues having a balance in his/her Electronic Account, OPAP S.A. shall commit the relevant amounts up to the amount of the claims of itself and of the beneficial owner (third party) of the Payment Means used, reserving its right to exercise any legal right thereof, judicially and/or extrajudicially, and to fulfill any obligation it is subject to per the law. The exercise of OPAP S.A.’s legal rights shall be reasonably conducted also in case a potential synergy and/or awareness and voluntary acceptance by any eventual third party regarding the use of its Payment Means by the Player is/are ascertained. Moreover, reported cases of use of Payment Means of third parties shall be investigated in detail and in cooperation with the involved Payment Services Providers, despite the implementation of strict methods of the Players’ identification that are implemented, now mandatorily, by the operating Payment Services Providers in the EU Member States. Furthermore, in any case there are reasons falling under the provisions of the AML Regulation, OPAP S.A. may “Block” the Electronic Player Account for an indefinite term and until the investigation of each case.
15.11    OPAP S.A. reserves the right to withhold amounts from the Electronic Account that correspond to any charges and/or commissions, imposed fees and costs in general, which it has been subjected to, under the condition that these have been made known in advance to the Player and that they do not contravene the applicable provisions.
15.12    Following a Player’s request, OPAP S.A. shall dispatch to him/her a report of his/her Electronic Account state to his/her registered e-mail or postal address, within one (1) month, and it shall include in such report the entirety of the Entries and financial transactions having been conducted during the reference period and up to a period of twelve (12) months, as well as sufficient information, so that the Player be able to compare the requested data with the respective data he/she probably keeps.
15.13    The Electronic Accounts in “Inactive” state that continue to have a credit balance shall be protected from illegal access thereto or illegal money withdrawal therefrom.
15.14    In case in the Electronic Player Account wrong winnings are credited that the Player is not entitled to, such amounts shall belong to OPAP S.A. and shall be deducted from the Electronic Player Account, following a correction of the wrong credit and detailed information to the Player, without his/her cooperation being required. In case the Electronic Account balance does not suffice for the deduction of the monetary amount that was credited by mistake, the Player shall continue to owe the difference to OPAP S.A. and OPAP S.A. shall have the right to withhold, without notifying the Player, any amount that may be credited to the Electronic Account up to the amount of the difference, reserving its right to exercise any legal right thereof in order to ask for the remaining amount, judicially or extrajudicially.
15.15    The Player may request the withdrawal of any credit balance of his/her Electronic Account, under the condition of provision of all necessary details that may be asked by OPAP S.A. in order for the relevant processes to be materialized, in compliance with the provisions of the AML Regulation and the applicable provisions.
15.16    OPAP S.A. shall bear the responsibility of guaranteeing the lawfulness and validity of transactions, to the extent it corresponds to it, and for this purpose it shall take any possible, based on common sense, experience and perception, measure of technological and/or operational, organizational, business nature for the control of both the deposits and the withdrawals, even after their completion.
15.17    OPAP S.A. shall have the right to refuse and cancel the transaction, even after its completion, provided that it becomes aware of any data reasonably justifying the contesting of its lawfulness and validity, regardless of whether such data have been collected by itself or are brought to its attention by a person with which it lawfully cooperates for the Organization and Conduct of the Games or by another competent body or authority, per the law.
15.18    Upon acceptance of the Agreement, the Player confirms that he/she has been informed regarding the Personal Data Processing Terms.  
15.19    Following the submission of a withdrawal request by the Player, OPAP S.A. shall issue the respective payment order within 72 hours, by observing the AML Regulation and the applicable provisions. 

Article 16. WINNINGS TAXATION

16.1     Any winnings deriving from the Player’s Participation in Games shall be taxed, per case, in accordance with the provisions of L. 2691/2001 (Α’ 266) “Ratification of the Code Provisions on the Taxation of Inheritance, Donation, Parental Grants, Dowries and Winnings from Games of Chance”, as eventually applicable
16.2     The Players’ net winnings from the Games of OPAP S.A. conducted in columns shall be subject to tax per slip, after the deduction of the tax free amount of one hundred EUR (€100), with a coefficient of two point five percent (2.5%) for winnings from one hundred point zero one EUR (€100.01) up to two hundred EUR (€200), with a coefficient of five percent (5%) for winnings from two hundred point zero one EUR (€200.01) up to five hundred EUR (€500), with a coefficient of ten percent (10%) for winnings from five hundred point zero one EUR (€500.01) to two thousand five hundred EUR (€2,500), and with a coefficient of twenty percent (20%) for winning from two thousand five hundred point zero one EUR (€2,500.01) and above.
16.3     Upon the credit of winnings to the Electronic Player Account, the eventual respective tax shall be withheld immediately by the Operator, after the deduction of the amount the Player paid for all Entries concerning the draw from which the winnings derived.
16.4     The winnings per success, after the deduction of the respective tax, shall be credited after being truncated to the first two decimals.

Article 17. WINNINGS CERTIFICATION - WINNINGS CERTIFICATE

17.1     OPAP S.A. shall provide, following a Player’s request, a certification of winnings before taxes for the immediately preceding fiscal year, on the entirety of the net winnings occurred based on the entirety of his/her Gaming Activity during the reference fiscal year, in accordance with the provisions of the AML Regulation, HGC Directive 1/2023 (ΑΔΑ: ΨΞΒΦΙΜΛ-ΨΒΥ), and the Policy on Granting Winnings Certificates of OPAP Group, as eventually applicable and posted on website https://winningscertificates.opap.gr/.
17.2     The winnings certification shall be exclusively granted to Players having a Greek TIN and shall at least mention the following:
17.2.1    The details and the number of the Player’s ID card or passport.
17.2.2    His/her Tax Identification Number.
17.2.3    The total amount spent by the Player for his/her Participation in the Games.
17.2.4    The total amount of gross attributed winnings during the reference period.
17.2.5    The total amount of withheld tax on the winnings, in accordance with the applicable provisions.
17.2.6    The total amount of net winnings occurred during the reference period.
17.3     The certification shall be granted by OPAP S.A. only provided that the full details of the Player are certified and verified, in accordance with Annex II of the AML Regulation and following the implementation of the appropriate due diligence measures, depending on the risk.
17.4    OPAP S.A. shall issue, following a Player’s request, a winnings certificate, with the exclusive purpose of documenting the Player’s statement when exiting Greece.
17.5    The winnings certificate shall serve as proof of the net winnings occurred by the Player during his/her Participation in the Games.
17.6    The winnings certificate shall not constitute evidence of the lawful possession, by the Player, of other liquid goods he/she may have with him/her when exiting the country.
17.7    The winnings certificate may be used for tax purposes, provided that it is accepted by the authorities of the country of origin.
17.8     The winnings certificate shall be granted provided that:
17.8.1    The Player’s Participation in the Games, as well as the winnings OPAP S.A. certifies that he/she has won from such Participation during the reference period may be identified, as regards the Player, and verified, based on data kept in an information conduct system, analyzed per transaction and recording of the exact time of Entry, of the Games in which he/she Participated and of the means of Participation and payment, as regards the certified winnings.
17.8.2    The full details of the Player have been certified and verified, in accordance with Annex II of the AML Regulation and following the implementation of the appropriate due diligence measures, depending on the risk.
17.9     The winnings certificate shall at least state the following:
17.9.1    The Player’s details and his/her passport number.
17.9.2    The Player’s social security number or another identification detail of equivalent validity based on the law of the country of origin.
17.9.3    The total amount spent by the Player for his/her Participation in the Games.
17.9.4    The total amount of gross attributed winnings during the reference period.
17.9.5    The total amount of withheld tax on the winnings, in accordance with the applicable provisions.
17.9.6    The total amount of net winnings occurred during the reference period.
17.10    The certification and the winnings certificate shall bear a unique validation code that shall be communicated to the HGC upon their issuance. This specific code shall be available following the setting, by the HGC, of respective conditions, details and processes that are relevant to it.
17.11    The certification and the winnings certificate shall bear a unique validation code that shall be communicated to the HGC upon their issuance.
17.12    OPAP S.A. shall have the right to refuse to the Player the issuance of a winnings certification or certificate if it is aware of or has indications, information or data that a Suspicious or Unusual transaction was conducted or is conducted or is attempted, in accordance with L. 4557/2018 and the AML Regulation. In such case, it shall not reveal to the Player the reason of refusal of granting the winnings certification or certificate.

Article 18. POSTPONEMENT OR CANCELLATION OF DRAWS/COMPETITIONS

18.1     OPAP S.A. shall implement a postponement policy of draws and/or a postponement and/or cancellation policy of competitions. The postponement policy of draws and/or the postponement and/or cancellation policy of competitions is posted on the Website of OPAP S.A.
18.2     OPAP S.A. shall examine and assess each data or piece of information brought to its attention that affects the integrity of the organization and conduct of an event.
18.3     OPAP S.A. shall have the obligation to cancel the provision of events and/or competitions, and/or to suspend the settlement of Entries and/or transactions related to the canceled offer, in accordance with the provisions of the General Regulation, the Special Regulation of the Games of Chance and/or the relevant Guides of the Games.
18.4     OPAP S.A. shall implement the cancellation policy, when treating same or similar cases, by taking the same or equivalent measures towards all Players that occur to fall under the scope of such policy.
18.5     OPAP S.A. shall take any necessary care and measure so that the cancellation policy of offer of events and/or competitions and/or of settlement suspension of Entries and transactions related to the canceled offer, be timely implemented and, in any case, within a reasonable time as of the occurrence of the actual events and of the awareness of the data justifying the relevant decisions.

Article 19. PERSONAL DATA PROTECTION

19.1     OPAP S.A. implements a Personal Data Protection Policy, in accordance with the General Data Protection Regulation [Regulation (EU) 2016/679] and L. 4624/2019 (Α 137), which Policy is posted on the Website.
19.2     The legal basis for the processing of the Player’s personal data, and detailed information regarding the purposes, the duration of processing and the rights of the Player concerning the processing of his/her personal data are included in the Personal Data Protection Policy. 
19.3     By accepting the Data Protection Policy, the subject of the data shall be informed on their processing, in accordance with the terms therein.
19.4     OPAP S.A. observes the General Data Protection Regulation and L. 4624/2019 (Α 137), takes all appropriate technical and organization measures so that is restrict the risk of illegal or unfair data processing and so that the Players’ identification through technical or other means that can reasonably be used by third parties be rendered impossible, safeguarding that itself, anyone executing the processing, as well as those having an employment, project or order relationship with it do not share the identity of the persons they know that Participate in the Games or who have acquired any winnings or have lost any amount by such Participation thereof, and that they do not share, for any reason, their personal details and data without the prior written consent of the Player, unless such consent is not required when the data are made available in the context of obligations borne by the Holder and those having an employment, project or order relationship with it, per the law, as well as when such data are necessary to raise or refute claims in the framework of litigations and for the defense of the legitimate interest of the Holder or of third parties , provided that it prevails over the Player’s rights.
19.5     When consent is required, the Player, as the data subject, shall have the right to revoke it at any time; however, the revocation of the consent shall not affect the lawfulness of the processing based on the consent prior to its revocation.
19.6     The Player, as the data subject, shall be informed on any amendment or expansion of the purposes of processing and of the categories of the data to be processed.
19.7     The Player, as the data subject, is obliged to immediately inform OPAP S.A. in case the data recorded during his/her registration on the Website have changed, either by himself/herself proceeding to the updating of the details of his/her Electronic Account, or via communication with OPAP S.A., by observing the provisions of the AML Regulation.
19.8     The HGC, as well as any other competent public body or authority shall have access to the data and shall be allowed to process them when such processing is necessary for the fulfillment of an obligation executed in favor of the public interest or during the exercise of the public power having been assigned to them.
19.9     The Player, as the data subject, shall accept and declare that he/she was informed on the Personal Data Protection Policy of OPAP S.A., otherwise the Agreement may not be concluded.

Article 20. LIMITATION OF LIABILITY

20.1     OPAP S.A. shall not be held liable for any problems or damage that the Player may suffer due to technical problems, such as, indicatively, failure of electronic systems, communication lines, telephone lines or electronic links [e.g. inability to connect to the Internet Service Provider (ISP)] or any other failure of technical nature, due to which the access to the Website, or to the services of Games of Chance provided through it, is problematic or is rendered difficult or impossible.
20.2     In case the Player makes use of any technical problems, such as, indicatively, failure of electronic systems, communication lines, telephone lines or electronic links [e.g. inability to connect to the Internet Service Provider (ISP)] or any other failure of technical nature, due to which the access to the Website, or to the services of Games of Chance provided through it, is problematic or is rendered difficult or impossible, or in case of conduct of the acts described in article 8.1.7 of the present Agreement, the Player shall compensate OPAP S.A. and any eventual third parties claiming under it for any incidental or consequential damage.
20.3     OPAP S.A. shall make every possible effort to ensure that the information contained in the Website is correct, however, it cannot guarantee the accuracy or completeness thereof. Furthermore, OPAP S.A. shall make every possible effort to protect and retain the integrity of the technical and communication systems it uses. OPAP S.A. shall not be held liable for the Player’s systems security [indicatively, damage caused by viruses that can lead to the Player’s equipment (H/W or mobile devices) or software (S/W) failure], as well as for the unauthorized access and use of the Player’s software or personal data (hacking) by third parties. Furthermore and despite OPAP S.A.’s efforts to safeguard the Players’ data, it shall not be held liable for any damage suffered by the Player in the event of interference or attempted interference in the network of OPAP S.A. on the Internet, or in the event of non-operation of the system for reasons other than gross negligence or willful misconduct of itself, its employees or its agents.
20.4     OPAP S.A. shall not be held liable for any damages caused by errors in data entry, saving and/or processing of entered data, or by incomplete data or data inaccurately transmitted that are not due to gross negligence or willful misconduct of itself, its employees or its agents, and shall reserve the right to correct obvious errors during the saving and processing of results (e.g. errors related to the identity of Players, wrongly stated result etc.).
20.5     OPAP S.A. shall not be held liable for damage of any kind caused by any misuse of the Electronic Account by the Player himself/herself or by third parties that have no right to use the said Electronic Account.
20.6     OPAP S.A. shall not be held liable for any loss of winnings due to any interruption of the events contained in the Entry slip.
20.7     The Website and the content thereof shall not constitute nor aim at the request, invitation or encouragement on behalf of OPAP S.A. of use of the offered Electronic Games services or the registration of new Players.
20.8     OPAP S.A. shall in no case be held responsible against the Player for lost profit of the Player suffered from the Participation in Games or not.
20.9     OPAP S.A. shall not be deemed to have violated its obligations towards the Player, pursuant to the present Agreement, in case of failure to fulfill them, nor shall be held liable for any type of damage or loss of Player’s winnings due to a force majeure incident and for as long as it lasts. As force majeure incidents are indicatively identified to be wars, pandemics, unrest, disasters, fires, explosions, acts of sabotage, trade embargoes, strikes, hartals, lock-outs, as well as the acts of Greek, European or other authorities with decisive powers, the content of which has such failure as a result.

Article 21. CUSTOMER SERVICE

21.1     OPAP S.A. has established and operates a special customer service unit and constantly keeps on the Website specific space for frequently asked questions (FAQs), through which any interested person may look for answers to frequent questions regarding the conditions for the Organization, Conduct and Participation in the Games. 
21.2     OPAP S.A. shall serve the Player and shall answer, timely and validly, to requests, queries and questions. OPAP S.A. shall inform the Player in any case the communication with the customer service unit is recorded, as well as in any case the communication is followed by a service assessment by the Player himself/herself, in an automatized, or not, manner.

Article 22. COMMUNICATION -NOTIFICATION OF PLAYERS

22.1     The communication of OPAP S.A. with the Player and the general information to the latter shall be conducted through posts and messages to his/her Electronic Account or through notifications to the e-mail address and/or via message to the mobile number the Player has already registered upon the creation of his/her Electronic Account and, given that these have changed, to the eventual last e-mail address or mobile number having been registered by the Player.
22.2     The information/ notification shall be deemed to have been received by the Player on the date of transmission.
22.3     For the purposes of the Agreement, it is concluded that the above communication from OPAP S.A. to the Player constitutes written communication. 
22.4     The simultaneous use of more than one e-mail addresses by the Player, either for Participation reasons or for information/ notification reasons, is prohibited.
22.5     In order for OPAP S.A. to lawfully dispatch commercial communication material to the Player, he/she shall have accepted in advance, in an electronic manner, the option of dispatching of such material, in a process separated from the one set forth for the acceptance of the Agreement. OPAP S.A. shall not proceed, in any manner, to the use of the Electronic Player Account details for reasons of commercial communication with the Player, without his/her consent.
22.6     OPAP S.A. shall provide the Player with the option to interrupt the dispatching of any commercial communication material by removing his/her consent.
22.7     For the purposes of the Agreement, it is concluded that the above communication from OPAP S.A. to the Player constitutes written communication.
22.8     The regulatory and legislative framework governing the Conduct of the Games shall be posted on the Website of OPAP S.A. and on the one of the HGC.

Article 23. COMPLAINTS

23.1     The Player has the right to submit any complaint, grievance, disagreement on issues or incidents concerning the Games conducted by it and/or the related transactions, and for this purpose OPAP S.A. shall provide a specific sample document on the Website, which the Player may fill in and submit to e-mail address complaints@opap.gr, the latest within forty-eight (48) hours as of the next day of the incident.
23.2     The complaint shall include the necessary identity and contact details of the Player; in particular:
23.2.1    Full name and father’s name.
23.2.2    Date of birth.
23.2.3    Valid ID or Passport number.
23.2.4    Permanent residence address.
23.2.5    E-mail and/or postal address and the desired dispatch manner of the answer.
23.3     The complaint shall be mandatorily accompanied by a copy of the ID or passport or of an equivalent document from which the identification of the Player derives, otherwise it shall not be investigated by OPAP S.A.
23.4     The complaint shall sufficiently describe the incidents, the time of occurrence and the reasons the Player invokes, and shall include any data he/she possesses and which document his/her claims, in his/her opinion.
23.5     OPAP S.A. shall examine the content of the complaint, shall make any possible effort to lawfully and timely resolve the issues it concerns and shall inform the Player on its opinion within fifteen (15) days as of the submission of the complaint.
23.6     In case OPAP S.A.’s answer does not satisfy the Player, he/she may apply for the review of his/her complaint by the HGC, within ten (10) days as of the next day of the notification of OPAP S.A.’s answer. The application for review by the HGC shall be mandatorily communicated by the Player to OPAP S.A. as well, which shall promptly forward the answer and the data related to the complaint to the HGC.
23.7     OPAP S.A. has the right to not answer to complaints being repeated in an abusive manner.
23.8     OPAP S.A. shall not communicate to the Player data and information of which he has the obligation to observe the confidentiality per the applicable provisions.
23.9     OPAP S.A. shall keep a record of the Players’ complaints for at least ten (10) years.

Article 24. INTELLECTUAL PROPERTY

24.1     The content of the Website, the trademarks, Games’ services marks, trade names, logos and illustrations are protected by the legislation on intellectual property, and the Player warrants that he/she is aware that they constitute property of OPAP S.A. or of its partners or third parties from which OPAP S.A. has obtained a relevant license of use. The Player shall not acquire intellectual property rights from the use of the Website, and/or from the provision of the Games services offered through it.
24.2     By the acceptance of the Agreement, the Player warrants that he/she is aware that the above constitute property of OPAP S.A. or of its partners or third parties, from which OPAP S.A. has obtained a relevant license of use.
24.3     Anyone is prohibited from reproducing, converting, storing, copying, republishing, uploading, posting, transmitting or distributing the aforementioned data, by any means or process, as well as from including them in any other website or app, any public or private system or electronic retrieval service, including texts, graphics, videos, messages, codes and/or software, and intellectual property data without the prior explicit consent of OPAP S.A. in writing.
24.4     Any commercial use or exploitation of the aforementioned data, of the Website and its content by anyone apart from OPAP S.A. and its partners is prohibited.

Article 25. APPLICABLE LAW - DISPUTE RESOLUTION

25.1     The Agreement is governed by Greek Law. Any dispute arising from this Agreement, including any proceedings during the enforcement or adoption of any interim measure, shall fall under the exclusive jurisdiction of the Courts of Athens.
25.2     In case a dispute, disagreement or contesting occurs, deriving from or related to the Agreement, OPAP S.A. and the Player shall make any possible effort for the amicable settlement of the dispute, in accordance with the applicable provisions, after having brought to the attention of the HGC the data and details concerning the dispute and by communicating their intention for an amicable settlement.
25.3     In case of no amicable settlement of the dispute, OPAP S.A. and the Player shall address one of the Alternative Dispute Resolution Bodies that are registered in the relevant Registry, which is kept, based on the provisions of Joint Ministerial Decision no. 70330 οικ./2015 (Β’ 1421), as applicable per case, after having brought to the attention of the HGC the details and data concerning the dispute and by communicating their intention for a settlement.
25.4     The HGC may prohibit OPAP S.A. and the Player from the amicable settlement of the dispute or from addressing the Alternative Dispute Resolution Bodies, provided that it derives from the data of the case that the outcome pursued by the settlement/ resolution contravenes the applicable provisions and the terms of the Agreement.
25.5     The settlement/ resolution achieved shall not preclude the right of OPAP S.A. or of the Player to resort to the competent courts for the protection of their rights, unless they have waived such right.
25.6     A successful settlement/ resolution between OPAP S.A. and the Player shall not preclude the right of the HGC to proceed to the audits required per the law and to impose the administrative sanctions set forth in the applicable provisions.

Article 26. PROBATIVE VALUE

26.1    OPAP S.A and the Player agree and accept that the orders, data and transactions electronically transmitted through the Internet shall be automatically entered in a record and shall serve as full evidence concerning the time of their registration and content. Moreover, they agree and accept that the storage of the Player's Participation in the Central Information System constitutes full evidence of all data and information of his/her Gaming Activity.
26.2     The data entered in the Central Information System of OPAP S.A., as well as its books and records, which are issued and kept for accounting or supervisory purposes in hard or soft copy, including copies and extracts thereof, have full probative value as to the records they contain.
26.3     In case of incorrect money-transfer order from or to the Electronic Player Account, the Player explicitly waives his/her right to ask for the cancellation of the request or order, or even of the transaction established in accordance with it.

Article 27. ASSIGNMENT

27.1. The Player is expressly prohibited from assigning or transferring any right and/or obligation under this Agreement to any third natural or legal person.

Article 28. AGREEMENT TERM - TERMINATION

28.1    The present Agreement shall remain in force as long as OPAP S.A. lawfully provides its services under art. 27 of L. 2843/2000, of art. 184 of L. 4972/2022, and of the Concession Agreement and the Player proceeds to the lawful use of such services, in accordance with the Terms of the Agreement and the applicable provisions.
28.2     The present Agreement may be terminated in written and without prior notice, either by OPAP S.A. or by the Player, at any time.
28.3     The termination of the Agreement shall take place either by the submission of a Player’s application for the closure of his/her Electronic Account, which application is posted on the Website and the Player may fill in and submit electronically at e-mail address complaints@opap.gr, or by the closure of the Electronic Account by OPAP S.A., in accordance with the Terms of the present Agreement and the applicable provisions.
28.4     The termination shall be necessarily communicated to the other contracting party and shall entail, as of the day of its notification, the dissolution of the Agreement and the closure and clearance of the Electronic Account, in accordance with the provisions of the law.

Article 29. MISCELLANEOUS

29.1     The Terms of the present Agreement, as well as the corporate policies and the texts to which these refer, constitute the complete agreement between OPAP S.A. and the Player on the matters regulated by the Agreement and such policies.
29.2     With respect to any matters that are not regulated by the present Agreement, the applicable provisions apply, which prevail over any Term of the present Agreement that opposes them.
29.3     In case any Term of the present Agreement is ruled void or invalid, it shall not affect the validity or effectiveness of the other Terms.
29.4     OPAP S.A. is entitled, following a relevant approval by the HGC, to readjust any Term of the present, deemed void or invalid, in order for the reason of voidness or invalidity to be eliminated, keeping though its content to the extent possible.
29.5     In case the Player faces any problem deriving from his/her excessive participation in games of chance, he/she may call phone line 1114, created by OPAP Group in collaboration with the Therapy Center for Dependent Individuals (KETHEA), which operates from Monday to Friday, from 09:00 am to 21:00 pm. Furthermore, information and support are also available by e-mail at 1114a@kethea-alfa.gr. 
29.6     OPAP S.A.’s contact details are: 112, Athinon Ave., Athens, P.C. 10442, GEMI No.: 3823201000, www.opap.gr, and Players may be notified of any information, draw result or complaint submission by calling at the phone numbers (from a landline without charge) or at 210 5798888 (from a mobile phone).