Terms and Conditions

1. Important Notice

These Terms govern the relationship between ZuriBet and its Customers and include:

a)conditions for account set up and operation with ZuriBet;

b)betting transactions and products offered by ZuriBet; and

c)Restrictions and conditions which will apply to the relationship between the parties.

Mandatory Legal Compliance

By Creating An Account, Depositing Funds Or Placing A Wager With ZuriBet You Unconditionally Agree To Be Absolutely Bound By These General Terms And Conditions. Gambling Is Addictive. Persons Under The Age Of Eighteen [18] Years Are Strictly Prohibited From Accessing This Platform.

Acceptance of Legally Binding Agreement

By clicking “I agree/ accept,” in the tick box and/or by using the Services and/or by registering or opening a betting account and/by using the software forming part of the ZuriBet Platform, you represent and warrant that you have read and understood these Terms and Conditions. You agree to comply with all applicable Statutes, Regulations and rules, as amended or replaced from time to time [“Applicable Laws”]. If you do not agree with a section or part of these Terms and Conditions, you must not proceed to register and open your Account.

2. Definitions And Interpretation

a)“Account” refers to the Customer’s betting platform/account, required and duly registered to enable a Customer to place wagers.

b)“Account Balance” refers to the value in cash available in the Customer’s betting account, excluding Bonus Balance, including any winnings from utilizing the Betting Services

Minus: losses from using the Services, any other costs/fees, any applicable taxes, amounts withdrawn by the Customer, any amounts previously withdrawn by the Customer or amounts forfeited or reclaimed by ZuriBet for reasons of known or perceived suspected fraud or due to deposits or other transactions rejected by the Customer Bank or any relevant third-party payment platform [whether as a result of insufficient funds, charge-backs or otherwise], any inactive account fees or any sums which are otherwise deductible or forfeited under these Terms and Conditions.

c)“Bonus Balance” means the value of bonus funds in the Customer’s betting account, including any bonuses which have wagering requirement restrictions that have not yet been complied with.

d)“Games” refers to all the games available on the ZuriBet Platform, including but not limited to Sports betting, gaming and any other games as may from time to time be provided. ZuriBet reserves the exclusive right to add and remove games at its own discretion.

e)“Services” include sport betting facilities, any fixed odds, real-time event betting facilities and casino games provided by us to you on the ZuriBet Platform and provided under the betting Rules.

f)“ZuriBet Mobile App” refers to the Mobile Application that can be downloaded, installed and used on a mobile phone or other communication portable devices.

g)“ZuriBet Platform” includes the Website and all games available on the same Platform [or any other electronic Platforms], and the ZuriBet Mobile App, and any other functionality.

h)“Website” refers to www.zuribet.co.ke

3. Preface

These General Terms and Conditions [“GTC”] govern and bind you the Customer [hereinafter “Customer”, “you” or “your”] to all ZuriBet [hereinafter “ZuriBet”, “We”, “us” or “our”] online gaming and betting services, products, rewards and promotional offers. By accessing our Website and/or Mobile site [“our website”], creating a Player Account and/or placing a bet with us, you will be deemed to have agreed to be bound by, and have read and understood, and undertaken to adhere to, our General Terms and Conditions, relevant statutory laws; including but not limited to the Gambling Control Act, 2025, the Gambling Control Regulations, 2026, the Data Protection Act, 2019 and the Anti-Money Laundering and the Combating of Terrorism Financing [Amendment] Act, 2025, Tax requirements, Procedures, Policies and Regulations, pertaining to betting and gaming activities.

It is very important to comprehend our General Terms and Conditions before you transact with us, as you will be bound by them.

Betting Platform

ZuriBet Kenya Limited is a Private limited liability company incorporated under the Companies Act, 2015, Laws of Kenya. The Company is fully licensed and regulated by the Gambling Regulatory Authority of Kenya [GRAK] under the Gambling Control Act, 2025 and the Gambling Control Regulations, 2026 to operate online sports betting and gaming platforms.

Objective of the Terms and Conditions

The objective of our General Terms and Conditions is to set out the terms on which all bets are offered and accepted by us and the Player. These Terms and Conditions govern the relationship and apply to all transactions between you and us. We shall not be bound by any express or implied terms, representation, warranty, promise, or the like not recorded herein.

Real-Time Monitoring

The User/Player acknowledges that all platform activity, transaction records, remote platform interactions, and wagers are monitored via mandatory real-time digital connectivity links feeding data directly into the central oversight platform of the Gambling Control Act, 2025 as required by the provisions of the Gambling Control Regulations, 2026.

Know Your Customer [KYC] And Age Verification

3.1We are obligated amongst other requirements, to identify our customers, verify their identities and to perform other regulatory verifications as may be required.

3.2Where the Gambling Control Act, 2025, the Gambling Control Regulations, 2026 and instruments specify such procedures and/or limits, we shall operate in accordance with their provisions.

3.3Pursuant to a risk-based approach, we may implement our own further requirements to give effect to the Gambling Control Regulations, 2026. Only natural persons may open a Player Account with us.

3.4Under the Gambling Control Act, 2025 and the Gambling Control Regulations, 2026, documents (“KYC”) will be required by us on the first withdrawal from your Player Account, regardless of the amount.

3.5We will, at a minimum, require the following mandatory information from the Player/Customer/User, [which may include proof thereof], at the relevant stages, and no later than your first withdrawal.

a)full name including surname;

b)date of birth;

c)identity number or passport number;

d)Proof of Nationality. A valid passport copy will be required in respect of foreign nationals;

e)Registered mobile telephone number;

f)Valid email address;

g)residential address;

h)occupation;

i)source of income/funds; and

j)Completion of any mandatory fields

3.6Proof of identification for all Kenya citizens and residents will be required on your first withdrawal in the form of:

a)Copy of valid National Identity Card, [Kenyan Citizens], or Passport [Foreign Nationals];

b)A clear picture of your original National Identity Card, showing front and back pictures of an ID card;

c)A clear picture of your original and valid [not expired] Passport, showing all four corners.

3.7You must advise us, in writing, of any change in the detail you provided that could influence your legal capacity or continued eligibility as our customer.

4. Protection Of Personal Information

4.1Consent in terms of the Data Protection Act, 2019 and the Data Protection [General] Regulations, 2021.

4.2The User/Player/Customer, acknowledges that ZuriBet Kenya Limited may be required to process personal information guided by the provisions of the Data Protection Act, 2019 [“DPA”]. By clicking the relevant “I accept” section upon registration, “I hereby provide my consent to ZuriBet Kenya Limited to process my personal information and to enable it to fulfil its agreement with me. I further acknowledge that ZuriBet Kenya Limited may obtain personal information from third parties for the purposes of fulfilling its agreement with me and agree that my consent extends to the obtaining and processing such information.”

a)The User/Customer/Player, further acknowledges that ZuriBet Kenya Limited may share personal information with its subsidiaries and holding companies and agree that my consent extends to include such sharing. “I further accept, and consent to the fact, that by betting in any retail or online platform, that I may be subject to an identity check by e-verification software.”

b)The User/Customer/Player acknowledges that ZuriBet Kenya Limited may be required to transfer my personal information to locations outside of Kenya. Such transfers will occur in compliance with applicable local law relevant to the source of the information but may result in a transfer of personal information to a jurisdiction that does not have the same or a better level of data protection compared to Kenya. To the extent that such transfer is required or is necessary, I agree that my consent extends to include such transfers.

c)In accordance with the provisions of Data Protection Act, 2019 [“DPA”] the Company is obligated to provide you with certain information relating to the processing of your personal information at the time we collect it from you

4.3As a result, we advise as follows:

a)We are required to process your personal information to fulfil our contractual obligations to you. Any such personal information is provided by you on a voluntary basis.

b)If you do not provide us with your personal information, it may prevent us from fulfilling our contractual obligations to you and lead to closure of your Player Account with us.

c)We may from time-to-time source your personal information from external sources or third parties to comply with regulatory requirements. Such personal information will only be processed as required in terms of applicable legislation.

d)We may be required to share your personal information with our affiliates [subsidiary or holding companies], and with third parties outside of Kenya. Such transfers of personal information may be to a jurisdiction that does not have the same or a better level of Privacy and Data Protection compared to Kenya.

e)You have the right to request access to and correction of your personal information as well as to object to the processing of your personal information.

f)You have a right to lodge a complaint with the Office of the Data Protection Commissioner [ODPC] via email or any other permitted means.

Direct Marketing

4.4At sign-up, you accept to receive bonus, promotional and marketing material, and you consent to being included in our marketing communication list. You further consent to the use of your personal data and image in awarding payouts in the event of a win.

4.5You may elect to opt-out of receiving marketing material by turning off Marketing Messages in your account profile, or by contacting our customer care team.

4.6You hereby undertake to notify us of any errant marketing communications received following your opt-out request or exclusion request, bearing in mind that opt-outs may only become effective after a reasonable period following request.

5. Customer Legal Requirements And Eligibility To Bet

5.1We reserve the right to update our General Terms and Conditions from time to time to address legal and regulatory or other changes, to incorporate changes in our business or our Services, or to improve the clarity and helpfulness thereof. When any Terms and Conditions, Rules, Regulations Limits and Policies are updated, we will post them on our site, and it is your responsibility to check our site from time to time to review any updated terms when posted. The updated Terms and Conditions, Rules, Regulations and Policies shall govern and control once they are posted to our site.

5.2It is your obligation to retain copies of transaction records.

Eligibility to bet or enforce any debt arising out of a bet

a)If such person is a natural, individual person transacting from a personal bank account, i.e. companies, close corporations and partnerships are specifically excluded from participating and use of bank accounts associated with such juristic persons is also excluded;

b)If such person is over the age of eighteen [18] years;

c)Such person has completed a registration form, has accepted the General Terms and Conditions as set out by us, and has been accepted as a customer by us;

d)Such person is not in breach of these Terms and Conditions;

e)Such person is not an excluded person in terms of our responsible gambling programme and/or self-exclusion policy/rules;

f)Is not a director, officer, shareholder or staff member of ZuriBet Kenya Limited and its technical platform supplier;

g)Is not a professional athlete, match official, coach, referee or sporting executive with any perceived or actual direct influence over event outcomes;

h)If you are no longer able to read, understand, agree and comply with all our rules, policies, terms and conditions without exception, you undertake to cease operating your Player Account immediately and you shall request us to close your Player Account.

i)We shall cancel and void all bets and return all money deposited to your Player Account where we reasonably believe that you are under the age of eighteen [18] years. Accordingly, winnings shall not be paid to any person who is under the age of eighteen [18] years, and such winnings will be dealt with in terms of our policies.

6. Customer Legal Requirements And Eligibility To Bet

6.1To use our Services, you must first register a Player Account. During the Player Account creation process, you will be required to enter your personal details, as detailed, select a username and password. You will be required to confirm that you are over the age of 18 years, accept our Terms and Conditions and acknowledge our privacy policy, by ticking the relevant box.

You should thereafter click “Join” and you will receive a welcome email confirming registration. In the event where your registration information is inaccurate or incomplete, you will be required to update such information upon request. As mentioned above, your ticking of the Terms and Conditions checkbox constitutes a legally binding agreement to all of our Terms and Conditions, Rules, Regulations and Policies.

Acceptance Of Terms And Conditions

By registering your Player Account, you represent and warrant that you are of legal age, are competent to enter into a binding legal agreement, and that you thereby understand and accept all our Terms and Conditions.

Single Account

6.2You shall only register and operate a single Player Account with a single bank account. If you hold more than one Player Account, we reserve the right to suspend duplicate Player Accounts.

6.3You shall not access the Service by means of another person's Player Account. Should you attempt to open more than one Player Account, under your own name or under any other name, or attempt to access the Service by means of another person's Player Account, we reserve the right to immediately close all your accounts [including the third party whom you have allowed to use your Player Account and vice versa], and bar you from future use of any Service.

6.4Prior to registering a new Player Account, ensure that you inform our customer support team to close your existing Player Account. Should we reasonably believe, that you have:

a)registered and/or used more than one Player Account: and/or

b)acted in any way in collusion with one or more other individuals through several different Player Accounts e.g. to back the same combination of selections [regardless of whether such bets are struck separately, at a range of different prices or on different days], in an attempt to exceed the maximum pay-out for an individual Player Account holder across linked Player Accounts, we reserve the right to withhold any winnings arising from such behavior in our sole and absolute discretion.

7. Passwords, Privacy And Security

7.1The Player Account registration process will require you to create a unique username and password. You must keep this information secret. Any actions carried out through your Player Account will be attributed to you if your username and password combination have been entered correctly.

7.2Should you give away, share, or lose your Player Account details and/or password, the Company shall not be held liable for any claims that may result from, or regarding that Player Account. You are solely responsible for your Player Account transactions and should keep the Player Account information strictly confidential.

7.3You are solely responsible for the security and confidentiality of your Player Account. You agree to keep your Player Account details and password strictly confidential and you are responsible for any misuse of the same. Provided that we have been correctly supplied with your Player Account information, we are entitled to assume that offers and payments are made by you. You should change your password frequently and never disclose it to anyone.

7.4You undertake to protect your Player Account details and password in the same way that you would in respect of your bank cards and any failure to do so shall be at your sole risk and expense.

Personal Use Only

Our Services are for individual, non-commercial use only. You agree that we are entitled to monitor your gameplay and use of our Services to detect gameplay patterns indicative of professional, non-recreational play.

Accuracy Of Account Details

You are required to keep your Player Account details current and up to date. If you change your address, e-mail, phone number or any other contact or personal information, please contact us to update your information. If you require bank information to be changed, you will be required to produce an email with proof of change in banking details and/or any other additional details required by us, at such time to confirm that this change was authorized by you.

Dormant Accounts

7.5A Player Account will be deemed ‘dormant’, whether there is an existing real-money balance available, or not, and no deposits or withdrawals have been made on the Player Account for twelve [12] consecutive months.

7.6All dormant Player Accounts, will be regarded as ‘inactive’ and will be closed after thirty-six [36] months and any real money balances will be dealt with in terms of prescription.

Account Suspension

7.7We endeavor to maintain a pleasant relationship with all our customers. We do, however, reserve the right to decline or to accept a bet from you and to suspend or close any Player Account, if you refuse or fail to comply with our Terms and Conditions, Policies, Regulations or any Kenyan law.

7.8Should we exclude or suspend your Player Account, we shall have the unlimited right to:

7.8.1withhold payment to you of any contested funds, whether such funds are deposits, refunds, rewards, pay-outs or the like;

7.8.2establish the specific criteria with which you must comply to be allowed access again to the Service and your Player Account; and

7.8.3Furnish information about you to relevant authorities, in compliance with legislation and our internal policies.

8. WAIVER

ZuriBet Kenya Limited and its directors, employees, agents and shareholders accept no responsibility or liability for any damages or loss that may result, or be alleged to have resulted, from our website, or its contents, including interruptions in transmission or operation, loss of or corruption of data, failure of channels or any other communication medium, any individual misuse of the site or its content or any error or omission in content.

9. Bet Placement, Decline And Voiding Bets.

9.1You agree to pay us for all bets that are placed through the Service using your Player Account.

9.2We reserve the right to refuse or limit any bets in our sole discretion for any reason whatsoever. In circumstances where a bet is deemed to be or is declared void by us in our discretion [for instance, not because of any breach of these Terms and Conditions], any sum deducted from your Player Account with respect to that bet will be credited back to your Player Account.

9.3Bets shall only be valid if accepted by our platform and system server, subject to our General Terms and Conditions. Until acceptance, no communications from you shall be binding on us and all information displayed on this site constitutes an invitation to play only. Should we, in our sole and absolute discretion waive a rule in the interest of fair play to you, it shall only be for that instance and shall not set a precedent for the future.

9.4By placing a bet, you represent and warrant that you are not prohibited from entering the bet by any contract, age, regulation, rule, or sport’s governing body, and that you do not know the outcome of the event upon which you are betting. In the event these representations are false, your bet will be void.

9.5Without limiting our discretion to decline or limit bets at our discretion, you agree that we may void any bets in our absolute discretion if:

9.5.1We have enough reason to believe that, you have engaged in any illegal or prohibited activity;

9.5.2You are in breach of any of these Terms and Conditions;

9.5.3There is a technological error related to the Service or the placing of your bet;

9.5.4We have sufficient proof to believe that your bet, or the event upon which you have bet, may be subject to manipulation, collusion, match fixing, or other unethical activity; or

9.5.5When we are required to do so by the operation of law or regulation.

Similar Or Related Bets

No similar bets [where the outcome of one part of the bet contributes or determines another part of the bet], will be accepted. If a related bet is accepted, the stake of the single bet will be divided and applied and paid equally over the respective events in the bet. We, in our sole discretion, shall determine if a bet is a related bet, and our decision in that regard shall be final and binding.

10. Live-In-Play Betting And Pre-Match

10.1In this context “Pre-Match” means all bets taken before an event or game has commenced.

10.2“Betting In-Running” or “Live In-Play betting” refers to all bets that take place while an event is in progress, i.e., betting that occurs after the official start but before the official end of the event. The odds in respect thereof shall be continuously updated during the event to reflect the status of the game. In-running/in-play betting is only available on certain sports.

10.3For all bets placed in-running/in-play, the rules before the start will apply except where otherwise offered by a difference in selections, prices or markets offered.

10.4We reserve the right to suspend [and re-open] in-running/in-play betting during the event concerned. No bets will be accepted when the betting is suspended.

10.5Bets placed shall not be cancelled by the Player, or changed by you under any circumstances.

10.6Where a blatant or palpable error is made in transmission on any event on which there is live betting, bets will be settled at the correct price during the time, at which the bets were placed.

10.7Where we have reason to believe that a bet was placed after the outcome of an event is known, we reserve the right to void the bet. Where any in-running/in-play event is not completed all bets on that event shall be void except bets where the contingency has already been determined.

10.8We reserve the right to amend the odds on any bet if that bet was placed during the period when betting should have been suspended for any reason.

11. Cancellation Of A Bet, Correction Of Errors And Limitation Of Liability

Cancellation of a placed Bet.

Players are prohibited from initiating or cancelling an already placed Bet under all circumstances.

Limitation Of Liability And Error Correction

11.1You hereby concur, that you make use of the Services at your own risk and assume all responsibility for your use of the betting Services. Except where expressly provided otherwise, the website, all content provided on or through our system, and our platform are provided via mandatory real time monitoring.

11.2We therefore make no guarantees as to the availability of our website, markets, or prices.

11.3We will not entertain any claims, and, to the greatest extent possible under all applicable laws, accept no liability for losses sustained by your inability to access our markets or website, due to malfunction, cancellation of Player Accounts, inability to provide markets, suspension of services or otherwise, regardless of the cause.

11.4To the greatest extent possible under all applicable laws, the customer indemnifies us against any harm caused due to inaccurate information obtained from our website or our employees, including but not limited to sports schedules, locations, prices, or results.

11.5We may, in our sole and absolute discretion and without incurring liability of any kind, at any time suspend our Service in whole or in part. You represent and warrant that you shall, to the greatest extent possible under all applicable laws, indemnify and hold harmless ‘US’ and our licensees, successors, related entities, directors, officers, agents, members, employees and software provider[s] [collectively] from and against any and all direct, general loss or damage, liabilities, losses, interest or penalties of whatsoever nature incurred or sustained by the ZuriBet Kenya Limited parties and any costs and expenses [including, but not limited to legal fees] from claims or actions against any of the ZuriBet Kenya Limited parties based upon or from any information, content, materials or communications transmitted, received, displayed, used and/or contained on or through our website and any and all transactions processed thereby, and/or any infringement or improper use by the customer of our Service.

11.6You warrant and represent that neither the use, possession, nor availability of our Services, will infringe upon or contravene any applicable laws, in the jurisdiction in which you reside, open or operate your Account from.

11.7Notwithstanding anything to the contrary, under no circumstances shall the parties be liable to one another hereunder for any indirect, incidental, special, or consequential damages arising out of or in connection with this agreement, loss of business, profits, revenue, loss, or damage arising from loss, damage and/or corruption of any data.

11.8To the greatest extent possible under all applicable laws, you indemnify us against any loss caused by incorrect credits or debits to your Player Account, including but not limited to, incorrect deposits or winning bet payouts. You authorize us to debit any amounts which have been incorrectly credited [through error, negligence or otherwise] to the Player Account.

Extent of Liability

We shall not be held responsible in the following instances:

11.9Be liable under any circumstances whatsoever to you, the Player, if your credit card company refuses to honor any claim lodged by us against your credit card. No dispute of whatever nature between you and the credit card company shall exempt you from your liability to us in respect of payment and you shall not be entitled to instruct us to reverse a payment instruction that has already been made to your credit card company.

11.10any failure, malfunction or delay of any electronic funds transfer unit or its supporting or sharing network, resulting from circumstances beyond the control of US, or any damages, loss, or expense which you may suffer as a result thereof, and

11.11Be liable for any loss or damage suffered by you because of any unauthorized access to any data or because of incorrect information supplied to US, through an electronic funds transfer unit or other credit card processing machine or its supporting or sharing network.

11.12the liability of US, to you for any damages sustained from any cause whatsoever including any damages arising out of the negligence of us or that of our servants, agents, or sub-contractors, shall in any event and under all circumstances be limited to:

11.12.1in the event of damages relating to a bet, to the amount staked by you in respect of such bet; or

11.12.2in respect of your Player Account with us, to the credit balance of such Player Account at the time during which the damages are alleged to have occurred, after full adjustment for winnings, losses, and statutory taxes;

11.12.3to the greatest extent possible under all applicable laws, notwithstanding any other provisions in these Terms and Conditions, we shall under no circumstances whatsoever be liable for any loss of profits, winnings or potential profits or winnings or any indirect or consequential damages sustained by you, whether caused by the negligence of us, our agents or employees.

11.12.4Insofar as any of the obligations of ours under these Terms and Conditions are carried out by any of our servants, agents, sub-contractors, associates or subsidiaries, the provisions of these Terms and Conditions, shall apply mutatis mutandis and each of them shall be exempted accordingly.

12. Force Majeure

12.1For the purposes of this Terms and Conditions any acts of god, war, strike, lock-out or other labor dispute, fire, flood, explosion, the enactment, amendment or repeal of legislation, failure of power supply or any other supplies, failure of telecommunications, failure, theft or default of any computer hardware or software or any other equipment or any other similar or different cause beyond our reasonable control, leading to the cessation and/or restriction of our operations, shall entitle us to postpone our obligations to you in whole or in part, and in such event we shall not be responsible for any damages of any nature suffered by you, whether directly or indirectly, as a result thereof and you shall not be entitled to terminate your contractual relationship with us as a result of any such occurrence.

13. Payout Terms

13.1We reserve the right to limit the net pay-out [the pay out after the Stake has been deducted], on any bet or combination of bets made by you in Kenya Shillings currency. This limit may be lower depending on the specific sport, league, and type of bet offer. For further information you are recommended to consult the Specific terms herein;

13.1.1We reserve the right to decline, solely at our discretion, all, or part of, any bet requested;

13.1.2We reserve the right to restrict or deny access, totally or partly, to your Player Account, in the event of an investigation or account review, in our own discretion;

13.1.3All bets placed through our website, also including bets requesting manual approval, may be subject to a time delay prior to acceptance, the length of which may vary. Such delay is to be determined by us in our sole discretion;

13.1.4We reserve the right to withhold payment and/or to declare bets void on an event [or series of events], if there is sufficient evidence that any of the following has occurred:

13.1.4.1The integrity of the event has been called into question;

13.1.4.2The price[s] or pool has been manipulated; or

13.1.4.3Match-rigging has taken place, or the match is under investigation for such;

13.1.4.4Evidence of the above may be based on the size, volume or pattern of bets placed with us across any or all its betting channels, as well as information received from other betting providers or officially recognized organizations;

13.1.4.5All odds offered are subject to variation. Such fluctuation is determined solely in our discretion. Bets are accepted only at the odds available in the betting grid at the time the bet was accepted by us, irrespective of any other claim or previous publication present on the website or any other media detailing otherwise;

13.1.4.6All pay-out calculations when settling bets shall be done based on decimal odds, irrespective of any other format displayed/chosen at time of bet placement.

Payout Limit

Pay-outs will be limited in terms of the preceding paragraphs which declare that the maximum amount that any single customer [directly or indirectly], may win from any bet or bets placed with us on any one day, irrespective of the stakes in respect thereof or the terms of that bet, is subject always to a set maximum.

WINNING LIMITS

13.2Limits vary depending on the sport, the type of competition and the type of bet offer.

13.3Should several bets, containing the same selections be placed by one or more Player Account holders, and we have reason to believe that these bets originated from the same customer/syndicate, we reserve the right to limit the total payment of all such bets to the maximum amount that a single customer may win on one day's trading.

13.4We reserve the right [in our sole discretion] to increase or decrease all limits based on our risk management program, which entails the profiling of its client base and the monitoring of their betting behavior against various indicators to establish the level of risk associated with each client, in compliance with any applicable laws.

Bet Categories

Maximum Pay-Out Limit Per Contingency

14. Procedure Of Deposits And Withdrawals

14.1All financial systems are linked exclusively to financial accounts held with authorized financial institutions registered in Kenya under the oversight of the Central Bank of Kenya [CBK].

14.2All user deposits and withdrawals must be initiated through CBK-regulated mobile payment gateways [e.g., Safaricom M-Pesa, Airtel Money] or licensed commercial banking channels integrated into the platform.

14.3Updating your payment details will require you to log in to our website. It is your responsibility to make yourself aware of the Terms and Conditions upon which your payments are accepted. You are solely responsible to keep abreast of any changes.

14.4Winnings are directly related to the amount that has been wagered.

14.5If the value of a deposit is not wagered/transacted at all, before a withdrawal is requested, we reserve the right to make a reasonable fee charge to your Player Account to cover all reasonable operational costs relating to both the deposit and the withdrawal. Where applicable, the value of the withdrawal requested may be reduced accordingly.

14.6The Matching Account Requirement. The registered name and National Identity Card number tied to your mobile money account or bank card must completely match the verified details on your ZuriBet Kenya Limited account profile. Third-party deposits or utilizing another individual's wallet will cause immediate account suspension and a rollback of funds.

14.7Know Your Customer and Enhanced Due Diligence will be required by us upon your first withdrawal regardless of the amount.

14.8You shall not transact from your business account. You shall not transact from any third party’s account.

14.9We reserve the right to reject any withdrawal request should there be irregular activities. We reserve the right to add, cancel or withdraw any withdrawal option or change any of its terms and conditions at any time and without notice.

14.10Inter-Account Transfer: The transfer of funds between individual Player Accounts is strictly prohibited.

14.11Interest: Any monies held in your Player Account shall not attract interest.

15. Credit Terms

15.1No credit will be offered by any employee of ours to any registered player of us. It is your responsibility to maintain sufficient funds in your Player Account and to stake your bets accordingly. We reserve the right to void any bet that may be inadvertently accepted when your account does not have sufficient funds to cover the whole of the bet.

15.2In strict compliance with the core provisions of the Gambling Control Act, 2025, ZuriBet Kenya Limited does not offer, extend, or permit credit, loans, or financial inducements to any player. Wagers must be funded exclusively by cleared, pre-deposited user cash.

Chargebacks

15.3If we incur any chargebacks, payment reversals or other charges in connection with your Player Account, we reserve the right to recover such amounts from you.

15.4You represent, warrant, and undertake that no chargebacks or other payment reversals or cancelations shall be made concerning your Player Account without our prior written consent. In the event of any such chargeback, reversal, or cancelation, you agree to indemnify and hold us harmless against any amounts, costs, claims, damages, and expenses arising in connection with such chargebacks, reversals, or cancellations, or in connection with our efforts to recover such sums from you.

16. Tax Obligation

16.1Winning bets may be subject to betting tax in accordance with the applicable laws, in which event it will be deducted from your winnings and the balance paid to you.

16.2You acknowledge and agree that any amounts you receive shall be net of such deductions. We are obliged by law to deduct such betting tax at settlement and pay it to the Kenya Revenue Authority on your behalf.

16.3Withholding Tax on Player Winnings. In strict accordance with the Income Tax Act, Laws of Kenya, ZuriBet Kenya Limited automatically deducts a statutory Withholding Tax on Winnings and deposits on all successful wagers at the point of bet settlement. The calculated tax is deducted instantly from your payout and remitted directly to the Kenya Revenue Authority.

17. Verification Of Bank Details

17.1If you use a credit/debit card and/or a financial/bank account for your transactions, the account holder’s/ cardholder’s name must be the same as the name you used when registering your Player Account.

17.2Should the name you registered on your Player Account and the name that appears on your credit/debit card and/or financial/commercial bank differ in any way, your deposit method may be suspended.

17.3Should your deposit method be restricted, we recommend you contact customer service for details regarding the deposit options.

Payment Update

Updating your payment details will require you to log in to our website. It is your responsibility to make yourself aware of the terms and conditions upon which your payments are accepted. You are solely responsible to keep updated of any changes.

Player/Customer Breach

17.4If Customer breaches all or any part of these Terms, and doesn't remedy within forty-eight [48] hours after receiving written notice from ZuriBet Kenya Limited, ZuriBet Kenya Limited may:

17.4.1terminate or suspend any bet placed by the defaulting Customer, whether accepted or not,

17.4.2and/or claim damages from the Customer and;

17.4.3all amounts owed by the Customer become immediately due; and

17.4.4retain funds on deposit pending settlement of any damages;

17.4.5The Customer is deemed to be in default if;

a)Commits any act of insolvency;

b)Is under receivership;

c)the Customer strives to compromise generally with his/her creditors;

d)the Player’s name is entered into the register of excluded persons contemplated under the Gambling Control Act, 2025 and the Gambling Control Regulations, 2026;

17.4.5.1The Customer is liable for any legal expenses [including legal expenses, collection charges and tracing fees] and any governmental tax amounts including but not limited to value-added tax, which ZuriBet Kenya Limited may incur in recovering amounts owed relating to the Customer's account or a result of the Customer's breach of any of the Terms and Conditions or ZuriBet Kenya Limited exercising its rights against the Customer.

18. Bonus Bet

18.1If you receive a bonus bet voucher, this can be redeemed under My Account / My Sportsbook Account / Bonus Bets by entering your unique voucher code and clicking “submit.”

18.2When using a Bonus Bet voucher code, there is a limit on maximum winnings. Any winnings from this bonus code are only available once a deposit has been made to the value of the bonus bet stake which generated the winnings.

18.3Some promotions and bonuses may involve the award of more than one bonus bet under a single promotion or bonus.

18.4Once the wagering requirements are met, winnings from the Bonus Bet will be credited to your registered money wallet.

18.5Specific details for each bonus bet offer will be displayed on the Website or communicated directly to you through your registered mobile number or email address.

18.6Bonus Bets may have an expiration date which will be detailed on the Website or in any communications sent to you via direct channels of correspondence.

18.7A bonus bet has to be used at minimum odds of 2.00

Bonus Spins

18.8Bonus Spin offers may include wagering requirements or game restrictions which will be detailed on the Website or in any communications sent to you.

18.9Bonus spins may be available to be used in certain games as stated on the promotion and bonus page.

18.10Once the wagering requirement is met, winnings from bonus spins will be transferred to your real money wallet.

18.11Specific details for each bonus spin offer will be displayed on the Website or communicated directly to you through your registered mobile number or email address.

18.12Bonus Spins may have an expiration date which will be detailed on the Website or in any communication.

Bonus Conditions

The following requirements apply to all bonuses received through any promotion:

18.13You will be required to wager any bonus funds a certain number of times before any winnings can be withdrawn as confirmed in the specific promotion. You understand and agree you will only be entitled to withdraw the winnings generated from bonuses after you have completed the wagering requirements for all bonuses received.

18.14You must complete the wagering requirements within seven [7] days of receiving the bonus, unless the promotion states otherwise.

18.15Any withdrawal request linked to a bonus where wagering requirements have not been completed will invalidate the bonus, including any winnings generated from that bonus.

18.16You cannot activate an offer if your Account already contains a bonus in progress. Pending offers can only be activated after you have met the wagering requirement for the current bonus.

18.17A wagering play-through requirement is the number of times you need to play through a bonus before you're able to withdraw any winnings.

18.18Play-through requirements vary per promotion, as displayed at the promotion page. The rules will be based on terms of the specific promotion and linked to these Bonus Terms.

18.19Different Games may have different play-through requirements as stated on the promotion page. ZuriBet Kenya Limited retains the right during the promotion to change the play through requirements or any other rules of the promotion.

19. Termination of bets

19.1Before accepting any bet, ZuriBet Kenya Limited can without reason temporarily suspend or permanently terminate Services to a Customer and:

19.2On Customer request, shall refund the balance of funds held as a deposit after adjustments for losses, winnings and taxes and, once such funds have cleared into the ZuriBet Kenya Limited banking account; and

19.3Any amounts owing by the Customer to the company becomes immediately due.

19.4A Player can terminate their account with the company in writing, after concluding any outstanding betting transaction and payment of amounts still owed. After a reasonable time period, we shall refund to the Customer the balance of amounts it holds on deposit for the Customer, after adjusting for losses, winnings and taxes.

19.5We shall not accept further bets from a Player where Services have been terminated, unless and until a fresh betting account Registration Form has been submitted by the Customer and accepted by US.

19.6For the avoidance of doubt, we shall not re-open an Account if the reason for termination is because of fraud, anti-money laundering or the like.

20. General Miscellaneous Information

20.1The Customer’s e-mail address as provided on account Registration Form is Customer's domicilium citandi et executandi for all purposes of these Terms and Conditions and can be updated on any contact channel.

20.2Our physical address as displayed on the Company’s Platform is its domicilium citandi et executandi for all purposes of these Terms.

20.3We can amend, replace or delete any of the Terms, and shall at all times ensure that current Terms are available on the Company’s Platform, by which the Customer is bound, and the Customer is responsible for understanding the current Terms.

20.4Should the Company grant any relaxation or concession or extension to the Customer/Player, it shall not have novated or waived any rights contained in these Terms and Conditions.

20.5The Company may provide, request or acquire any relevant credit, account-related or other information relating to the Player/Customer and his/her account [and the Customer has no recourse] or from;

a)a credit reference bureau;

b)any bank or regulatory agency, or any other person or entity.

20.6The Terms [with the Privacy and Data Protection policy, Game Rules and any other additional terms and conditions], in relation to a particular event, game, promotion, published on the Company’s Platform form a legally binding agreement between it and the Customer and no agreements, representations or warranties, other than those set out herein, shall have legal application.

20.7No addition to, variation, consensual cancellation or novation of any of the clauses forming part of the Terms and no express or implied waiver of any rights shall be of any force and effect unless in writing and signed by the Company and the Customer or their duly authorized representatives.

20.8The results of any match will be decided upon the official match results of the league or bet in question. In the event of any amendments to the result, the updated result will be used for winnings calculation.

20.9Any bet placed by the Player, shall be governed by the applicable provisions of the Gambling Control Act, 2025 and the Gambling Control Regulations, 2026, Laws of Kenya, and any Regulations and Rules made in terms thereof, as amended from time to time. Please refer to the links posted on the Company website and the Customer undertakes to adhere to the provisions and to any policy, guideline or directive issued by the Gambling Control Act, 2025 and the Gambling Control Regulations, 2026, relating to the Customer or to betting generally.

20.10These Terms and the contractual relationship between the Company and the Customer shall be governed by the laws of the Republic of Kenya.

20.11If the Customer places a bet from a location falling outside Kenya’s Jurisdiction, such bet shall be subject to all appropriate exchange control regulations and the laws of the foreign jurisdiction from which such communication originates, and it shall be the responsibility of the Customer to ensure full compliance with same. The Company makes no warranties and shall not be liable to the Player if it is not able to remit any monies held by it to any account held by the Customer in a foreign jurisdiction.

20.12Although all effort is made to ensure content on the Company Platform regarding any event is accurate and complete, this content/information should be used as a guide only. In the event that any information regarding an event [e.g. score, starting time of event etc.] is incorrect, the company will not be responsible for any loss. The official site for the event in question is the point of reference in the event of a dispute.

20.13In the event of any conflict between these Terms and any terms and/or conditions contained in any product information pop-up appearing on the Company Platform from time to time, the Terms take precedence.

Void Bets

The Company reserves the right to declare any bet wholly or partially void if the bet:

20.14has been offered, placed or accepted as the result of an error; has been offered, placed or accepted late, including where inadvertently accepted after the start of an event;

20.15has been accepted in circumstances in which such bet would not ordinarily have been accepted, e.g. owing to technical problems occurring in relation to the operation of the Company’s Bet Platform;

20.16has been placed in circumstances concerning proceeds of crime or Syndicate Betting;

20.17has been struck in relation to an event of which the result was already known, unlawfully determined or influenced by unlawful conduct;

20.18has been struck in relation to an event in respect of which a subsequent announcement has been made which significantly alters the prevailing odds in respect of such bet; has been struck in any of the circumstances described in Clauses of [How To Place A Bet], [Customer Deposits], [Withdrawals], [Monitoring of Account Activity] and [Recovery of Customer Debt], or

20.19is affected by any other state of affairs beyond the Company’s control, arising after bet placement and acceptance, which materially affects the conduct of the event on which such bet was struck or the prevailing odds available, including acts of God, a natural disaster, a national or global state of emergency, an epidemic or pandemic, or any other similar phenomenon;

20.20The Company may declare a bet wholly or partially void in the event of any malfunction occurring or found to have occurred in relation to such bet;

20.21For the purposes of these Terms and Conditions, the word “malfunction” shall mean any technical, operational, communication, electronic or programming error, defect, flaw or failure, whether immediately detectable to the Company’s Bet system and/or the Player or not, occurring on the ZuriBet Kenya Limited Bet Platform or any:

20.21.1device, hardware or equipment;

20.21.2betting system or software, programme, data file or any other content derived therefrom, or game software, programme, data file or any other content derived therefrom, owned or used by the Customer for the purposes of betting operated and/or made available by the Bet Platform and downloaded and/or accessed and/or utilized by the Player for the purposes of betting, which;

a)causes any game or product on which betting is offered to operate otherwise than in accordance with the rules published on the Website in respect of such game or product;

b)corrupts, suspends or interrupts the normal and/or intended manner of operation/service delivery of any game or product on which betting is offered, or

c)Results in an outcome which is manifestly out of alignment with the normal and/or intended manner of operation of any game or product on which betting is offered.

d)The Company may void a bet at any stage, irrespective of whether:

I.the event in respect of which such bet was struck has been settled or not, or;

II.the Customer has received any form of notification from the Bet Platform that the bet is a winning bet and/or that winnings in any amount are payable in respect of such bet;

III.In the case of an invalid selection and/or subsequent scratching in a multiple or combination bet, the invalid selection shall be ignored, and the stake shall run onto the other selection in the bet at the price indicated on the ticket/betting slip issued.

20.22The Company reserves the right to withhold payment and/or to declare bets void on an event [or series of events], if there is sufficient evidence that;

a)The integrity of the event has been called into question;

b)The price[s] or pool have been manipulated, or

c)Match-rigging or fixing has taken place, or the event is under investigation as the result of an allegation to that effect.

20.22.1If a bet is voided, the amount staked shall be returned to the Player.

21. Intellectual Property

21.1The Player/ Customer acknowledges and agrees that all rights, title and interest in the Services, including but not limited to intellectual property rights, is owned by or licensed to ZuriBet Kenya Limited.

21.2The brand name and any other ZuriBet Kenya Limited related trademarks, service marks and/or trade names used in connection with the Services [the "Trademarks"] are the trademarks, service marks and/or trade names owned by ZuriBet Kenya Limited and its subsidiary holdings.

21.3The Player acknowledges that by using the Service he/she obtains no rights in the Trademarks or the Service and may only use the same in complete agreement with these Terms. Any use of the intellectual property related to the Service without the prior written consent of ZuriBet Kenya Limited is strictly prohibited. The Customer agrees not to [and agrees not to assist or facilitate any third party to] copy, reproduce, transmit, publish, display, distribute, commercially exploit, or tamper with the intellectual property related to the Services in any manner whatsoever.

21.4The Customer acknowledges and agrees that the material and content contained within the Services or within any of our websites, software or other properties is made available for personal, non-commercial use only. Any other use of such material is prohibited.

Dormant Accounts Rules

21.5The Company reserves the right to charge a monthly administrative fee on your Account, for as long as the balance is positive, and your account stays dormant.

22. Restriction On Betting

The Company strictly prohibits Syndicate Betting practices, occurring when a group of persons acts together for the purposes of placing a bet or series of bets on the same event or market and reserves the right to void all bets, and to withhold payment of winnings, whether temporarily or permanently, pending the conduct of [and contingent upon the outcome of] an investigation in relation to the Syndicate Betting.

23. Exclusion From Betting Activity

23.1The Player may, at any time, request that he/she be temporarily or permanently excluded from further participation in betting, and therefore use of the Services.

23.2Any Player who believes that he/she may have a gambling problem, is encouraged to contact the Responsible Gambling Helplines in Kenya at info@responsiblegambling.or.ke to help determine their vulnerability to gambling addiction. Seeking professional help can help to reduce the stress that is caused by problem gambling. The organization can be contacted on its Toll-Free Counselling Line +254 705 825 637.

23.3Operator Self-Exclusion. This enables a Player to restrict access to their account for a period between six [6] months and five [5] years, or permanently. If a Player wishes for this exclusion to be applied across other licensed operators, they must notify us via one of the methods outlined in the ‘Contact Us’ section of site. This exclusion cannot be removed during the active period, or fill, complete and submit the Self-Exclusion Form at info@responsiblegambling.or.ke.

23.4National Self-Exclusion. Where a Player has requested for Self-Exclusion through the applicable schemes operated by the Kenya’s Responsible Gambling Organization.

23.5In the case of a National Self-Exclusion request, we will contact you with a view to returning any remaining funds standing to the credit of the betting account, less bonus money. Upon the self-exclusion, your account will not automatically be re-activated.

23.6Any account which has an expired operator self-exclusion may only be re-activated by us upon a Customer's own request [contact must be either by telephone or in person] and may only come into effect after a twenty-four [24] hour cooling-off period has passed or if a fixed period stipulated for the suspension has elapsed.

23.7In the unlikely event a customer is able to access our services whilst one of the Self-Exclusion options outlined in this Terms and Conditions is active, they shall forfeit all accrued funds and any deposits may be returned to them.

Regulations On Individual Games And Betting Events

23.8Where Rules are published on the ZuriBet Bet Platform in respect of any market, game or other event or contingency on which betting is offered, it is the responsibility of the Player to ensure that he/she has read and understood those Rules in full and agrees to be bound by them.

23.9Any such Rules form part of, and are subject to, these Terms, and contain important provisions relating to game, event or contingency operations, and the manner in which, and the restrictions subject to which, betting may take place, and must be read in full by the Player before he/she engages in play or betting on any such market, game, event or contingency.

24. Dispute Resolution

24.1If a dispute arises between a Customer and ZuriBet Kenya Limited the Customer should email zuri@zuribets.com and allow five [5] working days for response.

24.2The Customer may therefore refer a dispute to the Customer Care Department for resolution.

24.3The Customer Care may investigate the matter and then resolve the dispute and communicate the outcome to the parties within fourteen [14] days of the dispute being referred.

24.4If either party is not satisfied with the decision, the complainant may appeal the matter to the Gambling Appeals Tribunal established under the Gambling Control Act, 2025. Appeals from decisions of the Gambling Appeals Tribunal lie to the High Court of Kenya within fourteen [14] days from the date of the decision.

25. Disclosure Of Information And Privacy

25.1The Player consents to checks being made against appropriate third-party databases to verify identity, personal details and/or credit card information, and/or any other information supplied by the Customer where the Company deems it necessary to procure independent verification. The parties with which the Company contracts for the verification of information may keep records of all data requests and data submitted to them by the Company.

25.2Customer acknowledges that the Company may be lawfully required to, and in such cases shall, disclose to any governmental bodies or regulatory agencies, information pertaining to the identity and personal particulars of the Customer, betting account of the Player and the activity on such account.

25.3The Company complies with all applicable privacy legislation. Please read our Privacy Policy in full and note that the Privacy Policy forms part of these Terms. If you do not accept any part of our Privacy Policy, you should discontinue your use of the ZuriBet Kenya Limited Platform and our Services.