Responsible Gaming

1. Our commitment: betting is entertainment, not a source of income

jogodobicho is operated by [to be provided], registered under CNPJ no. [to be provided], with its registered office at [to be provided], authorised by the Secretariat of Prizes and Betting of the Brazilian Ministry of Finance (SPA/MF) under authorisation [to be provided], and accessible exclusively at jogodobicho.com. Responsible gaming is not a notice in the footer of this page: it is part of the product, and the tools described here are switched on and working in your account.

The rule from which everything else follows is simple. Betting is a paid form of entertainment, and the price of that entertainment is the money you accept losing. Anyone who bets money they need to pay bills, feed their family, settle debts or recover an earlier loss is no longer being entertained: they are exposed to a harm the law requires us to prevent, and that we want to prevent.

No game offered here is a source of income, an investment or a financial recovery plan, and we do not present it as one on any channel. All of our games have a published and certified theoretical return to player (RTP), and in every one of them the RTP is below 100%: in aggregate and over the long run, bettors as a group lose and the operator gains. That is not a flaw in the game, it is how the game is defined, and you have the right to know it before betting, not afterwards.

• We publish the RTP of every game and keep it identical to the figure certified by the accredited body.
• We offer deposit, loss and session time limits, free of charge and with no justification required.
• We apply every stricter limit immediately and defer every more permissive one.
• We enforce self-exclusion irreversibly for the chosen period, with no commercial exceptions.
• We direct no advertising, bonus or promotional communication to anyone who is self-excluded or on a break.

Legal basis: Lei nº 14.790/2023, art. 8º, III (responsible gambling as a condition of the authorisation) · Portaria SPA/MF nº 1.231/2024, art. 4º · Portaria SPA/MF nº 1.207/2024, art. 28 (minimum RTP of 85%)

2. Who this document applies to, and what an account requires

This document applies to everyone who visits jogodobicho.com, whether or not they hold an account with us, and forms part of the Terms of Use. By accepting the Terms you also accept this policy, in the version in force stated at the end.

To bet with a financial stake, that is, putting money at risk in the expectation of a prize, a registered and verified account is mandatory, held by the person who is betting, aged 18 or over, with a valid CPF and with payment methods under that same CPF. There is no anonymous betting, no account in a third party name, and no betting on credit.

There is one deliberate exception, and we describe it as it is: the jogodobicho demonstration mode can be used without registering. In it there is no deposit, no value at risk, balances are fictitious, and no outcome is convertible into money, a prize or any economic benefit. Because there is no financial stake, it is not a bet and does not trigger the verified account requirement. It exists so you can learn the rules of the games before deciding whether you want to bet.

That does not make the demonstration mode neutral. It does not reproduce the experience of losing real money and must therefore not be used to estimate how much is won or lost by betting. Responsible gaming messages, access to this document and the help channels are available there as well. The moment you want to bet real money, full registration and identity verification become mandatory and are checked before the first deposit.

• Minimum age of 18, verified rather than merely declared.
• Facial recognition with liveness proof, and checking of the identity document.
• Validation of the CPF against official databases.
• Payment methods, for both deposit and withdrawal, in the name and CPF of the account holder.
• Prudential limits set at registration, before the first bet.

Legal basis: Lei nº 14.790/2023, art. 2º, I (definition of a bet), and arts. 23 to 25 · Portaria SPA/MF nº 1.231/2024, arts. 31 and 32 · Portaria SPA/MF nº 1.143/2024

3. Principles that guide how we operate

The principles below are not statements of intent: each one corresponds to a verifiable behaviour of the system, and a failure to meet them can be reported through the channels in section 16.

Where a protective principle conflicts with a commercial interest of ours, the protective principle prevails. That is the only way this policy means anything.

• Information before the bet: rules, RTP, odds and the cost of the game are available before you bet, not hidden until after the result.
• Autonomy with a brake: you decide how much and how long you play, but loosening that decision requires time to reflect.
• Asymmetric reversibility: protecting yourself is immediate; removing that protection is slow and always revocable while it is pending.
• No incentive to chase losses: we offer no bonus, credit or promotion triggered by losing streaks.
• No credit: you cannot bet money you have not deposited.
• Promotional silence for anyone who asked for distance: a break or self-exclusion switches off all marketing communication.
• Referral, not judgement: our support team points you to free help services without demanding explanations.
• Risk data treated as health data: restricted access, and use limited to protection and legal compliance.

Legal basis: Lei nº 14.790/2023, art. 8º, III (responsible gambling as a condition of the authorisation) · Portaria SPA/MF nº 1.231/2024, art. 4º · Lei nº 8.078/1990 (Consumer Protection Code), art. 31 · Lei nº 13.709/2018 (LGPD), art. 6º

4. Signs of risky behaviour, described honestly

Gambling disorder is a recognised health condition, progressive in course, with treatment available free of charge in Brazil. It is not a character flaw, not stupidity and not bad luck. Almost nobody notices the shift from entertainment to problem at the moment it happens, because the change is gradual and each step, taken alone, seems reasonable.

That is why we list concrete signs rather than generic advice. Read the list thinking about the last three months.

Recognising a single item is not a diagnosis, and this document does not make diagnoses. But recognising two or three is already reason enough to use one of the tools in sections 6, 9 and 10 today, and to contact one of the free services in section 15. None of those steps requires you to prove anything to anyone.

• You frequently bet larger amounts than you had planned.
• You bet again on the same day to recover what you lost, known as chasing losses.
• You bet money set aside for rent, food, bills, medication or education.
• You borrow money, sell something or use a credit limit in order to bet.
• You lie about how much you play or how much you lost, or hide statements from people close to you.
• You play for far longer than you intended and lose track of the hours.
• You become irritable, anxious or restless when you try to stop or cut back.
• You play to relieve sadness, boredom, guilt, loneliness or anxiety.
• You have missed work, school or family commitments because of gambling.
• You have promised yourself or someone else that you would stop, and could not keep it.
• You think about betting for most of your free time, planning the next session.
• Your finances, your sleep or your relationships have got worse since you started betting.

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º · Portaria SPA/MF nº 1.143/2024 (monitoring of bettor behaviour)

5. Self-assessment test

We offer a free self-assessment test, available in the "Responsible Gaming" area of your account and in the footer of jogodobicho.com. It can be answered without logging in and without identifying yourself. The questions are short and cover your behaviour over the last twelve months.

The test draws on screening instruments widely used in the study of problem gambling. It indicates a risk level — no risk, low risk, moderate risk or high risk — and does not replace assessment by a health professional. A moderate or high risk result is accompanied by the help channels in section 15 and by a direct shortcut to set limits, request a break or self-exclude.

If you are logged in, we store only the result and the date, so that we can offer proportionate help and demonstrate to the regulator that the tool exists and is used. That record is treated as sensitive personal data relating to health, is not shared with commercial teams, is never used to target advertising, and is never used to offer you anything. If you answer without logging in, nothing is linked to you.

• How often have you bet more than you could afford to lose?
• Have you needed to bet larger amounts to get the same feeling of excitement?
• Have you returned on another day to win back money you lost?
• Have you borrowed money or sold anything in order to bet?
• Have you felt that you might have a problem with betting?
• Has betting caused you health problems, including stress or anxiety?
• Has anyone criticised your betting or said you had a problem, whether or not you agreed?
• Has betting caused financial difficulty for you or your household?
• Have you felt guilty about the way you bet, or about what happens when you bet?

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º · Lei nº 13.709/2018 (LGPD), arts. 7º and 11

6. Deposit, loss and session time limits

Three limits and one alert are available to you, free of charge, with no justification and without speaking to anyone. All of them are set in the "Responsible Gaming" area of your account, and the initial setting happens during registration itself, before the first bet.

The limits are enforced by the server, at the moment of each deposit and each bet. They do not depend on the app being up to date, on the browser, or on your memory: once a limit is reached, the operation is refused.

You may have all four active at the same time, and you may change them whenever you wish. What changes according to the direction of the change is when it takes effect, and that is the subject of the next section.

• Deposit limit: the maximum you may deposit per day, per week and per month. Once the cap is reached, further deposits are refused until the next period begins.
• Loss limit: the maximum net loss, staked minus won, per day, per week and per month. Once the cap is reached, further bets are refused, and you may still withdraw whatever balance you hold.
• Session time limit: the maximum length of one continuous playing session. Once reached, the session is ended, and you can only return after the minimum interval you configured.
• Reality alert: a periodic notice, at the interval you choose, telling you how long you have been playing and what your cumulative result for the session is.

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º, IV, points "a" to "e" · Portaria SPA/MF nº 1.231/2024, art. 31 (prudential limits set at registration)

7. The safeguard: the stricter setting applies at once, the more permissive one waits

Every change that increases your protection takes effect immediately, the moment you confirm it. Lowering the deposit limit, lowering the loss limit, shortening the session, shortening the reality alert interval: all of it is applied on the spot, with no waiting period, no email confirmation and no review on our part.

Every change that reduces your protection stays pending for 24 hours before it takes effect. Raising the deposit limit, raising the loss limit, extending the session or removing an active limit is recorded, notified to you, and only takes effect after that period. During those 24 hours the previous limit, the stricter one, remains fully in force.

While the change is pending you may cancel the request with one click, and the cancellation is immediate. The opposite does not exist: there is no way to shorten the waiting period, not through support, not through the ombudsman, not by written request. If several loosening requests are made, the strictest of the limits in force always prevails.

The asymmetry is deliberate, and explaining it is part of the protection. The decision to protect yourself is usually taken with a clear head; the decision to loosen is usually taken in the middle of a bad session, in a hurry, and it is precisely the decision people most tend to regret. The 24 hours do not exist to inconvenience you: they exist so that your hurried self cannot override your calm self.

• Stricter: immediate, unrestricted, no waiting period and no cost.
• More permissive: pending for 24 hours, cancellable at any moment during that period.
• Conflicting requests: the strictest limit in force prevails.

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º, IV, and § 2º

8. Permanent panel, reality alerts and monthly statement

While you play, a permanent and visible panel shows, without you having to look for it, the time elapsed in the current session, the total staked, the net result of the session and the available balance. That panel cannot be switched off.

At regular intervals of your choosing, a message interrupts play and presents the same figures, with the option to continue, end the session or open the protection tools. The interruption is intentional: losing track of time is one of the signs listed in section 4.

Every month we make available a statement with the total deposited, staked, won and withdrawn in the period, together with the cumulative net result since the account was opened. It is the information you need in order to know what the entertainment actually cost you, rather than the selective memory of a few prizes.

• Time elapsed in the current session.
• Total staked and total won in the session.
• Net result of the session and cumulative net result.
• Available balance and amount held in open bets.
• Limits in force, and how much headroom remains under each of them.

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º, IX to XI and XVI

9. Short break: 24 hours, 7 days or 30 days

The short break is for when you want to stop now, without making a long-term decision. You choose 24 hours, 7 days or 30 days, confirm, and it takes effect at that same instant.

During the break, playing and depositing are blocked; withdrawal of your existing balance remains available, and customer support remains available. You do not lose your balance, your history or your account.

The break cannot be shortened, not by you, not by support, not by the ombudsman. Once the period ends, the account starts working again on its own, and we send you no message inviting you back, neither at the end of the break nor afterwards.

• Available periods: 24 hours, 7 days or 30 days.
• Blocked during the break: betting, depositing and receiving promotional communication.
• Available during the break: withdrawing your balance, viewing your history and contacting support.
• Bets already open: settled normally under the rules of the game, with any prizes credited to your balance.
• End of the break: automatic reactivation, with no invitation, no return bonus and no re-engagement offer.

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º · Lei nº 14.790/2023, art. 8º, III (responsible gambling as a condition of the authorisation)

10. Self-exclusion: 30, 90, 180 days or permanent

Self-exclusion is the strongest tool we offer, and we treat it as such. You choose 30, 90 or 180 days, or permanent self-exclusion. It is requested in your account and may also be requested through any support channel, including the freephone line and the ombudsman.

It applies from the moment of confirmation and is irreversible for the whole period chosen. Nobody can lift it: not you, not support, not the ombudsman, not the board. Requests to do so are recorded and refused. That refusal is the product working as promised, not a failure of customer support.

While it is in force, self-exclusion blocks play, blocks deposits and top-ups by any means, and blocks access to the logged-in area of jogodobicho.com, including through the app. Attempts to open a second account are stopped by the CPF, and any account opened in breach of a self-exclusion is closed, with deposits returned in full and no prizes paid.

Your existing balance is not withheld. It is returned to a payment account in the name and CPF of the account holder, with no fee and no deduction, and bets already open are settled under the rules of the game, with any prizes paid together with the balance. Promotional communications stop immediately, and your registration data is kept only in order to enforce the exclusion itself and to meet legal retention obligations.

When a temporary self-exclusion period ends, the account is not reactivated on its own: you must request reactivation expressly, and that request goes through a fresh 24-hour reflection period and through revalidation of your registration and your limits. Permanent self-exclusion is by nature definitive; if one day you wish to reverse it, an express written request is required, no sooner than one year later, with fresh identity verification and a fresh reflection period, and we may refuse it. We make no effort to bring you back.

• Periods: 30, 90 or 180 days, or permanent.
• Start: immediate, upon confirmation.
• Irreversible for the whole period, without exception and through any channel.
• Blocks play, deposits, top-ups and access to the logged-in area, on every device.
• Balance returned to a payment account under the same CPF, with no fee; open bets settled under the rules of the game.
• Reactivation always upon express request by the account holder, never automatic and never suggested by us.

Legal basis: Lei nº 14.790/2023, arts. 23 to 25 · Portaria SPA/MF nº 1.231/2024, art. 4º · Portaria SPA/MF nº 1.231/2024, art. 37 (account closure and inactivity)

11. The SPA centralised self-exclusion register

Self-exclusion does not end at jogodobicho. We report the request to the centralised register of self-excluded bettors maintained by the Secretariat of Prizes and Betting of the Ministry of Finance, in the form and within the deadlines set by the regulator, so that it takes effect across all authorised operators in Brazil.

In the other direction, we consult that register before accepting a new registration, before releasing a deposit and before accepting a bet. Anyone self-excluded at another authorised operator cannot open an account or bet here, even if they have never held an account with us.

This means self-exclusion is a decision with national reach within the regulated market, not a setting on this website. Outside the regulated market it reaches nothing: sites without SPA authorisation do not consult that register, are not answerable to the Brazilian regulator, and amount to the running of gambling outside the law. Section 16 returns to this point.

• We send every self-exclusion requested here to the SPA centralised register.
• We consult the centralised register before registration, before deposit and before each bet.
• An exclusion recorded at any authorised operator is honoured by jogodobicho.

Legal basis: Lei nº 14.790/2023, art. 8º, III (responsible gambling as a condition of the authorisation) · Portaria SPA/MF nº 1.231/2024, art. 4º · Decreto-Lei nº 3.688/1941, art. 50 (running games of chance without legal authorisation)

12. Advertising: nothing aimed at those who asked for distance

Anyone who is self-excluded or on a break receives no promotional communication from us, by any means. This covers email, SMS, instant messaging, in-app notifications, telephone calls, targeted advertising on social networks, remarketing and lists shared with third parties. The block is applied at source, at the moment the break or exclusion is confirmed, and it extends to our affiliates and agencies as a contractual obligation.

The only communication that continues is what is strictly necessary and non-promotional: confirmation of the break or exclusion itself, notices about withdrawals, answers to what you ask, and anything the law or the regulator requires.

Our advertising in general is also subject to limits, and they apply to every channel and every partner.

• We do not present betting as a source of income, an investment or a solution to financial difficulty.
• We do not suggest that betting brings social, sexual, professional or personal success.
• We do not direct advertising at people under 18, nor use language, characters or media that appeal to them.
• We do not advertise in content aimed at children and adolescents.
• We do not conceal risk: our materials state that betting carries a risk of loss and carry the responsible gaming warning.
• We do not offer bonuses or promotions triggered by losing streaks or by a return after a break.

Legal basis: Portaria SPA/MF nº 1.231/2024, arts. 12 and 13 · Lei nº 14.790/2023 (advertising rules and protection of the bettor) · Lei nº 8.078/1990 (Consumer Protection Code), arts. 36 and 37

13. Protection of people under 18 and parental controls

Betting is prohibited for anyone under 18, and that prohibition does not depend on what the person declares. We verify age using an identity document, a CPF check against official databases and facial recognition with liveness proof, before the first deposit and before the first bet.

If we find that an account belongs to someone under 18, it is closed immediately. Deposits are returned to the original payment method, no prize is paid, and any bets placed are voided. There is no scenario in which a minor receives a prize from us.

Most improper access by minors does not happen through a verification failure: it happens at home, using an adult device and an adult login. That is why parental controls matter as much as our verification does.

If you suspect that a minor has accessed jogodobicho.com using an adult identity, tell us immediately at [to be provided]: we block the account while we investigate.

• Never share your password, and do not leave a session open on a shared device.
• Use a passcode or biometric lock on your phone, tablet and computer.
• Turn on the operating system parental controls: Screen Time on iPhone and iPad, Family Link on Android.
• Install a gambling site blocker on the device; BetBlocker is free and Gamban is paid.
• Keep cards and payment details out of reach, and turn off autofill.
• Talk about it: teenagers meet betting mechanics inside games and apps long before they reach a betting site.

Legal basis: Lei nº 14.790/2023 (prohibition of betting by people under 18) · Lei nº 8.069/1990 (Statute of the Child and the Adolescent) · Portaria SPA/MF nº 1.231/2024, art. 31, § 3º

14. What we monitor and when we step in

Beyond the tools you activate yourself, we have a duty to watch and to act. We monitor, continuously and automatically, behaviour patterns that the research literature and the regulator associate with risk.

When one of those patterns appears, we act proportionately: first information, then contact, then restriction. The restriction exists and is used. We may impose limits, suspend the account or close it where we conclude that continuing would harm the bettor, and that decision is communicated together with the reason behind it.

This monitoring is not a clinical diagnosis, not a punishment and not a moral judgement. It is also a legal obligation: we check that the volume of money moved is consistent with the declared economic capacity, and we report atypical transactions to the Council for Financial Activities Control (COAF), in compliance with anti-money-laundering legislation.

Data about gambling risk is treated as sensitive personal data relating to health. Access is restricted to the responsible gaming and compliance teams, it does not feed commercial targeting, it is not sold, and it is retained for the period required by regulation. Your rights over that data are set out in the Privacy Policy and may be exercised with the data protection officer at [to be provided].

• A sharp increase in the amount staked or the amount deposited.
• Repeated deposits in a short space of time, particularly straight after losses.
• Long sessions, play into the early hours, or a sustained increase in playing time.
• Repeated attempts to loosen limits, or to reverse a break or a self-exclusion.
• A mismatch between the volume of money moved and the declared economic capacity.

Legal basis: Portaria SPA/MF nº 1.231/2024, art. 4º · Portaria SPA/MF nº 1.143/2024 · Lei nº 9.613/1998, arts. 10 and 11 · Lei nº 13.709/2018 (LGPD), art. 11

15. Where to get help: free, confidential and independent of us

The services below do not belong to jogodobicho, are not accountable to us, and do not know that you are our customer. That is precisely why we point you to them.

If you would rather we took the first step with you, our support team can explain these services and help you activate the tools in this policy during the same conversation, without demanding explanations and without recording any value judgement about you.

If the person at risk is not you but someone close to you, the same services support family members. We cannot block another adult account at your request, because the account and the data belong to that person; but we can receive your report, check for signs of fraud or of an account held by a minor, and act on what falls to us.

• CVV, Centro de Valorizacao da Vida: dial 188. Free, 24 hours a day, every day, throughout Brazil. It also answers by chat and email at cvv.org.br. Emotional support and suicide prevention, in confidence.
• SUS, Psychosocial Care Centres (CAPS and CAPS AD): free public treatment for gambling disorder and for addictions. Go to your nearest Basic Health Unit and ask for a referral; there is no charge and no private insurance is needed.
• Disque Saude, 136: free information from the Ministry of Health about services and referrals.
• Gamblers Anonymous (Jogadores Anonimos): free mutual-help groups, in person and online, for people who want to stop gambling. There are also support groups for family members.
• Emergency: if life is at immediate risk, dial 192 (SAMU ambulance service) or 190 (Military Police).
• Financial guidance: Procon and free debt advice services help you rebuild a budget. Renegotiating a debt is not the same as betting to recover it.

Legal basis: Lei nº 14.790/2023, art. 8º, III (responsible gambling policy as a condition of the authorisation) · Portaria SPA/MF nº 1.231/2024, art. 4º · Decreto nº 11.034/2022 (rules for consumer support services)

16. How to act, channels, deadlines and validity

All the tools in this policy — limits, reality alerts, breaks and self-exclusion — are in the "Responsible Gaming" area of your account and are applied by you, on the spot, without speaking to anyone. That is the fastest route and the one we recommend.

If you prefer another channel, or if something does not work as written here, use the channels below. They answer in Portuguese, they are free, and a break or self-exclusion requested through them takes effect just as immediately.

One final warning, and it is the most important part of this document for anyone who is self-excluded: none of the protections described here reach sites without SPA authorisation. They do not consult the centralised register of self-excluded bettors, they are not answerable to the Brazilian regulator, they are under no obligation to return anything to you, and running that kind of gambling is a criminal misdemeanour. If you self-excluded here and then went looking for a site like that, it is not a detail: it is the clearest sign that it is worth dialling 188 today.

This is the version stated at the beginning of the document, in force since the date given there. Material changes are notified in advance by email and by a notice in your account, and earlier versions remain available for consultation. No change to this policy reduces, shortens or lifts a break or self-exclusion already under way.

• Customer support (SAC): available 24 hours a day, by freephone and by electronic means, with the number published at jogodobicho.com.
• Support email: [to be provided].
• Ombudsman, for anything support does not resolve: [to be provided], answering at second instance.
• Data protection officer (DPO): [to be provided].
• Regulator: the Secretariat of Prizes and Betting of the Ministry of Finance (SPA/MF), to which you may complain directly.

Legal basis: Lei nº 14.790/2023, art. 8º, III (responsible gambling as a condition of the authorisation) · Portaria SPA/MF nº 1.231/2024, art. 4º · Decreto nº 11.034/2022 (rules for consumer support services) · Decreto-Lei nº 3.688/1941, art. 50