Terms of Use

1. Purpose, parties and acceptance

These Terms of Use govern access to and use of the fixed-odds betting lottery platform operated by [to be provided], registered with CNPJ no. [to be provided], with its seat at [to be provided], holder of authorisation [to be provided] granted by the Secretariat of Prizes and Betting of the Brazilian Ministry of Finance (SPA/MF), which runs the jogodobicho brand on the jogodobicho.com domain.

The parties to this contract are, on one side, the betting operator identified above and, on the other, the natural person over 18 years of age who opens an account and uses the platform, referred to here as the bettor. This is a standard-form consumer contract: the Brazilian Consumer Protection Code and the SPA/MF regulations apply in full.

Acceptance is express, takes place at registration through an unambiguous act of the bettor, and is renewed with every bet placed. The system records which version of these Terms was accepted, with date, time and IP address, so that it is always possible to show the exact text that bound the parties.

The documents listed below form part of these Terms as if reproduced in them, and are all published at jogodobicho.com. Where this text and a specific document diverge, the specific document prevails as to the matter it governs. None of them may be read in a way that conflicts with Lei 14.790/2023 or with the SPA/MF Portarias, which always prevail.

• Privacy and Data Protection Policy
• Responsible Gaming Policy
• Anti-Money Laundering and Counter-Terrorist Financing Policy (PLD/FTP)
• Know Your Customer Policy (KYC)
• Game Rules, including the specific rules of each game
• Cookie Policy
• Promotional Terms, where the bettor opts into a promotion
• Operator Identification and Customer Service Channel

Legal basis: Lei 14.790/2023, art. 1 and art. 2, I (subject matter and definition of a fixed-odds bet) · Lei 13.756/2018, art. 29 (creation of the fixed-odds betting lottery) · Portaria SPA/MF 827/2024 (authorisation and requirements for the betting operator) · Portaria SPA/MF 1.475/2024 (.bet.br domain) · Lei 8.078/1990 (Consumer Protection Code), arts. 46 and 54 (standard-form contracts and prior knowledge of their content)

2. Who may bet: minimum age, identity verification and exclusions

Only a natural person over 18 years of age, with full legal capacity, identified and verified, may bet. The minimum age is a statutory requirement and admits no exception, no parental authorisation and no waiver on any ground.

Identity verification takes place before the first deposit and before the first bet involving money. It includes, as a minimum, real-time validation of the CPF, submission of an official photo identity document and facial recognition with liveness detection, together with screening of the bettor against restrictive lists and politically exposed person lists. Until verification is complete, the account cannot deposit, cannot bet and cannot withdraw.

Bets from the persons listed below may not be accepted. On registering, the bettor declares that none of these situations applies, and undertakes to give notice immediately should any of them come to apply.

Participation by anyone under 18 is prohibited in all circumstances. If an account is found to be held by a minor, it is closed immediately, bets are voided, any prizes are not paid, and amounts deposited are returned to the legal guardian, to the same payment account they came from. The operator maintains age controls and cooperates with the competent authorities.

A bettor who shares devices with minors is responsible for keeping credentials out of their reach. We recommend using parental control tools; the Responsible Gaming Policy sets out the available options.

• Persons under 18 years of age, even if assisted or represented
• Persons able to influence the outcome of the event being bet on, such as athletes, coaches, referees, officials and other participants, in the competitions in which they take part
• Shareholders, directors, employees and service providers of the betting operator, together with their spouses, partners and relatives up to the second degree
• Persons who have requested self-exclusion, for as long as the chosen period lasts
• Persons barred from betting by judicial or administrative decision
• Persons acting in the name of or on behalf of a third party, even with that party consent

Legal basis: Lei 14.790/2023, arts. 23 to 25 (identification of the bettor and exclusions) · Lei 10.406/2002 (Civil Code), art. 5 (civil majority at 18) · Lei 8.069/1990 (Statute of the Child and Adolescent) · Portaria SPA/MF 1.231/2024, art. 31 and § 3 (registration data, facial recognition and liveness detection) · Portaria SPA/MF 1.143/2024 (customer due diligence procedures)

3. One account per CPF: registration, accuracy, security and updating

Each bettor has a single account, linked to their CPF. The account is personal and non-transferable: it may not be sold, assigned, rented, lent or operated by anyone else, including a relative.

Registration requires at least the information listed below, all of it true, complete and current. The IP address used at registration is recorded. Providing false information or using another person document is a serious breach and exposes the bettor to the measures in section 12, without prejudice to the legal consequences.

The password must be alphanumeric and contain special characters. Credentials are confidential and kept solely by the bettor, who is answerable for operations carried out with them. If loss, theft or unauthorised use is suspected, the bettor must notify customer service immediately; from that notification onwards, responsibility for subsequent operations ceases to be theirs.

The bettor must keep their data up to date. Registration is revalidated annually, and every change to registration data is versioned with a record of date, time and IP address, so that the registration history is auditable.

Duplicate accounts are prohibited. Where duplication is identified, the surplus accounts are blocked, bets placed through them may be voided under section 7, and any prizes arising from them are not paid. The balance corresponding to deposits of lawful origin is returned to the bettor, to a payment account in their own name.

• Full name
• Nationality
• CPF
• Date of birth
• Gender
• Full address
• Country of residence
• Telephone number
• Email address
• Payment accounts held by the bettor personally
• Prudential limits on deposits, on stakes and on losses
• Copy of an official photo identity document

Legal basis: Portaria SPA/MF 1.231/2024, art. 31 and its paragraphs (mandatory registration data and password requirements) · Portaria SPA/MF 1.231/2024, art. 32, § 1 (versioning of registration changes with an IP record) · Portaria SPA/MF 1.231/2024, art. 34 (periodic revalidation of registration) · Lei 14.790/2023, arts. 23 to 25 (bettor account and identification) · Lei 13.709/2018 (LGPD), art. 6 (data quality and accuracy principles)

4. Demo mode without registration

The platform allows certain games to be tried in demo mode, without registration and without any financial contribution from the visitor. This is the only situation in which a game is reached without a verified account, and it exists so that a person can learn how the game works before deciding whether to register.

In demo mode there is no bet in the legal sense, because nothing is at risk: the credits shown are fictitious, have no economic value, are not purchased, and cannot be withdrawn, transferred, converted into money or exchanged for any benefit. A result obtained in demo mode creates no entitlement to a prize of any kind.

Any bet involving money requires an account, a verified identity and defined prudential limits, without exception. There is no path by which an unregistered visitor can put money at risk on this platform.

Demo mode uses the same certified random number generator used in real-money mode, with the same return-to-player configuration. Even so, the performance seen in a demo session is a matter of chance and is not a promise, projection or expectation of winnings in real-money mode. Communications about demo mode follow the applicable advertising rules and are not directed at minors.

Legal basis: Lei 14.790/2023, art. 2, I (a bet presupposes something of value at risk) and art. 2, VIII (definition of online game) · Portaria SPA/MF 1.231/2024, art. 31 (prior registration of the bettor) · Portaria SPA/MF 1.231/2024, arts. 12 and 13 (responsible advertising) · Portaria SPA/MF 1.207/2024, art. 28 (minimum theoretical return to player of 85%)

5. Betting rules: when a bet is treated as accepted

The games offered, the markets available, the multipliers, the limits per bet and how each game is settled are described in the Game Rules document. Before confirming, the bettor sees the amount to be debited, the odds applied and the maximum possible return.

A bet is formed by selecting the event and the outcome, entering the amount and confirming. It is treated as accepted only where, cumulatively, the operator server records the bet, debits the amount from the wallet and issues a receipt containing a unique identifier, the date and time in UTC, and the odds fixed at that moment. Until all three conditions are met there is no bet, even if the screen on the bettor device suggests otherwise.

Once the bet is accepted the odds are fixed and are unaffected by later movements, which is precisely what makes this fixed-odds betting. Changes in odds occurring after acceptance neither benefit nor harm the bettor.

Each market has a closing time shown in the interface. Bets received after the market closes, after the event starts where the game does not allow in-play betting, or once the outcome is already known or determined, are not accepted and, if recorded through a fault, are voided under section 6.

The full betting history, with receipts, is available in the bettor account. Where what the screen displayed and what the server recorded diverge, the server record prevails, as it is the auditable basis of the operation. That does not prevent the bettor from challenging the record through customer service, in which case the relevant logs are examined and the decision is reasoned.

The operator may set maximum limits per bet, per market or per event for risk management and integrity reasons. Those limits are disclosed before confirmation and applied on equal terms to all bettors.

Legal basis: Lei 14.790/2023, art. 2, I (fixed-odds bet: odds known at the time of betting) · Lei 14.790/2023, art. 3, II (virtual events of online games as objects of a bet) · Lei 13.756/2018, art. 29 (nature of the fixed-odds betting lottery) · Portaria SPA/MF 1.207/2024, art. 20 (technical requirements for ball and number draw games) · Portaria SPA/MF 1.207/2024, art. 10 (retention of game records at the regulator disposal)

6. Voiding and cancellation of bets

Once accepted, a bet is irrevocable for the bettor. There is no unilateral cancellation on second thoughts, except where the specific rules of a game expressly provide a cash-out feature, in which case the conditions set out there apply.

The operator may void a bet, before or after settlement, solely on the grounds listed below. The list is exhaustive: outside it, there is no voiding.

Where a bet is voided, the stake is returned to the bettor wallet within 24 hours. If a prize has already been credited, the amount wrongly paid is reversed; where the balance is insufficient, the operator notifies the bettor and seeks a settlement, without blocking lawfully sourced funds unrelated to the matter. Every voiding is notified by durable means, stating the ground applied and the evidence supporting it.

Voiding is neither discretionary nor punitive. Every voiding is recorded, reasoned and available for SPA/MF inspection. The bettor may challenge it through customer service and, if the matter is not resolved, before the Ouvidoria, as set out in section 15.

• Manifest error in the odds or multiplier, meaning an error obvious to a bettor acting in good faith, arising from a typing, conversion or calculation fault or from the event data provider
• Proven technical failure of the system, of connectivity, of the results provider or of the random number generator that affected the formation, recording or settlement of the bet
• A bet recorded after the market closed or once the outcome was already known or determined
• An event cancelled, suspended, postponed beyond the period set in the Game Rules, or not held
• Evidence of fraud, of collusion between bettors, of event manipulation, of the use of bots or automation, or of deliberate exploitation of a system fault
• A bet placed by a person excluded under section 2 or through a duplicate account
• A bet whose funds show signs of unlawful origin, for as long as the anti-money laundering enquiry lasts
• An order of a judicial or administrative authority or of the SPA/MF

Legal basis: Lei 10.406/2002 (Civil Code), arts. 138 and 171, II (substantial error and voidability of a legal transaction) · Lei 10.406/2002 (Civil Code), art. 422 (objective good faith) · Lei 14.790/2023, arts. 23 to 25 (duties of the betting operator and integrity of betting) · Portaria SPA/MF 1.207/2024, art. 5 (certification of games and critical components) · Portaria SPA/MF 1.143/2024 (preventive and investigative measures)

7. Determination of results, settlement and payment of prizes

The result of each bet is determined by the source set out in the Game Rules, which is the official result published by the body organising the event or, in online games, the result produced by the platform random number generator.

The random number generator and each game are certified by a body recognised by the SPA/MF, with a theoretical return to player of at least 85% over the expected life of the game. The result of each draw can be verified independently by the bettor, through the mechanism described in the Game Rules.

Settlement is automatic once the result is officially confirmed. The prize is credited to the bettor wallet within 24 hours of that confirmation. Where the result depends on ratification by a third party, the period runs from ratification, and the bettor is told the matter is pending.

Prizes are subject to income tax under the tax legislation, withheld at source by the operator where due. The amount credited is the net amount, and the corresponding statement is available in the bettor account for tax return purposes.

No prize is paid to a bettor whose identity is not verified, whose account is blocked pending an enquiry, or who falls within one of the exclusions in section 2. Where the enquiry closes with no irregularity found, the prize is credited with retroactive effect to the date on which it would have been due.

Disputes about how a result was determined or a bet settled may be raised through customer service within 30 days of the credit or of the refusal. The operator gives a reasoned reply and retains game records for the regulatory period, at the disposal of the bettor and of the regulator.

Legal basis: Portaria SPA/MF 1.207/2024, art. 5 (certification by a recognised body) · Portaria SPA/MF 1.207/2024, art. 28 (minimum theoretical return to player of 85%) · Portaria SPA/MF 1.207/2024, art. 10 (retention of game records for 5 years) · Portaria MF/SPA 300/2024 (recognised certification bodies) · Lei 14.790/2023 (income tax on net prizes) · Portaria SPA/MF 615/2024 (payment methods and deadlines)

8. Wallet, deposits and withdrawals

The bettor wallet is kept in Brazilian reais, in whole cents. It is not a bank account, not a deposit, not an investment, and it does not earn interest, indexation or any return. The balance remains the property of the bettor and is segregated from the operator own funds.

Only the payment methods listed below as permitted are accepted. Those listed as prohibited are not accepted under any circumstances, neither for deposits nor for withdrawals.

Every movement, in and out, goes through a payment account held by the bettor personally, under the same CPF as the registration. Transactions originating from a third-party account are refused and returned to source, and may trigger an anti-money laundering enquiry.

The bettor may keep up to 3 payment accounts registered in their own name. Adding, replacing or removing a payment account is subject to an ownership check before it can be used for withdrawals.

Withdrawals are requested by the bettor in their own account and processed within the maximum period set by the regulations, currently up to 120 minutes from the request, provided the identity is verified and no enquiry is under way. The period may be suspended where there is an anti-money laundering alert, evidence of fraud or an outstanding verification; in those cases the bettor is told the reason and what needs to be provided.

The operator charges no fee of its own on deposits or withdrawals. Any costs charged by the payment institution chosen by the bettor are the responsibility of the bettor and are not retained by the operator.

Funds granted as a bonus, and the conditions for converting them into withdrawable balance, are governed by the Promotional Terms. The interface distinguishes at all times between the balance available for withdrawal and the balance subject to a promotional condition.

• Permitted: PIX, electronic transfer between accounts (TED) and debit card
• Prohibited: cash
• Prohibited: crypto-assets of any kind
• Prohibited: credit card
• Prohibited: bank slip (boleto)
• Prohibited: payment accounts held by a third party, even with authorisation

Legal basis: Portaria SPA/MF 615/2024 (permitted payment methods, prohibitions, account ownership and deadlines) · Portaria SPA/MF 1.231/2024, art. 31 (payment accounts as mandatory registration data) · Lei 9.613/1998, art. 10 (identification and recording of transactions) · Portaria SPA/MF 1.143/2024 (monitoring of financial movements) · Lei 14.790/2023, arts. 23 to 25 (segregation and return of bettor funds)

9. Responsible gaming, prudential limits and self-exclusion

Betting is entertainment. It is not a source of income and it is not a way to recover losses. Every bet carries a real risk of losing the amount staked. The operator makes no promise of winnings, suggests no winning strategy and offers no credit for betting.

At registration, the bettor sets prudential limits on deposits, on stakes and on losses. Lowering a limit takes effect immediately. Raising a limit takes effect only 24 hours after the request, a delay that exists so the decision is not made on impulse.

During a session, the platform permanently displays elapsed time, total deposited, total lost and current balance, and issues periodic alerts. The bettor can end the session at any moment and set scheduled breaks.

Self-exclusion may be requested from the account itself or through customer service, temporarily or permanently, free of charge and without giving reasons. It takes effect across all games on the platform and, while it lasts, prevents new bets and new deposits and suspends all promotional communications. Lawfully sourced balance is not held back: it is returned to a payment account belonging to the bettor. Where the SPA/MF maintains a centralised self-exclusion platform, the request is also forwarded to it.

Customer service guides the bettor and their family on the signs of gambling disorder and on where to seek specialist help. The channels and full information are in the Responsible Gaming Policy.

• Deposit, stake and loss limits set by the bettor
• Limit reductions effective immediately and increases only after 24 hours
• Permanent panel showing session time, deposits, losses and balance
• Periodic alerts on playing time and amounts staked
• Scheduled breaks and the ability to end a session at any moment
• Temporary or permanent self-exclusion, free of charge and without giving reasons
• Suspension of all promotional communications during self-exclusion
• Guidance and referral for treatment of gambling disorder

Legal basis: Portaria SPA/MF 1.231/2024, art. 4 (mandatory responsible gaming measures) · Portaria SPA/MF 1.231/2024, art. 23 (information duties and bettor panel) · Portaria SPA/MF 1.231/2024, art. 2º, XXII and XXIII, and art. 4º, IV, "d" and "e" (specific and centralised self-exclusion) · Lei 14.790/2023, arts. 23 to 25 (protection of the bettor and self-exclusion) · Lei 8.078/1990 (Consumer Protection Code), art. 6, IV (protection against abusive practices)

10. Prohibited conduct

The conduct listed below is prohibited and authorises the measures in section 12, in addition to the voiding of related bets under section 6 and notification of the authorities where the facts require it.

Acting as an intermediary for other people bets deserves particular mention. The account is personal: anyone using it to receive money from other people, to place bets on their behalf or to pass prizes on to them is running a lottery operation without holding an authorisation, which this contract does not permit and which may breach Brazilian law. The SPA/MF authorisation belongs to the operator and does not extend to any bettor.

A bettor who notices a fault, an odds error or anomalous behaviour on the platform must report it to customer service. Deliberately exploiting the fault for personal gain instead of reporting it is conduct contrary to good faith and is covered by the list below.

• Holding, opening or operating more than one account, whether directly or through another person
• Using another person data, documents, payment accounts or identity
• Assigning, selling, renting or lending the account, or allowing another person to use it
• Acting as an intermediary for other people bets, with or without a fee, including receiving money and passing on prizes
• Using bots, scripts, automation, emulators or any non-human means to place bets
• Coordinating bets with other bettors to obtain an undue advantage or to circumvent limits
• Exploiting a manifest error, a technical failure, latency or a vulnerability of the platform
• Taking part in the manipulation of a sporting event or of any event bet on, or betting while holding inside information about it
• Using a VPN, proxy or any device to circumvent a geographic restriction, a self-exclusion, a limit or a block
• Reverse engineering, scraping, copying databases or attacking the infrastructure
• Giving false information to the operator or submitting altered documents
• Using the platform for money laundering, terrorist financing, currency evasion or any unlawful purpose
• Insulting, threatening or harassing customer service staff, other bettors or third parties on the operator channels

Legal basis: Lei 14.790/2023, arts. 4º and 6º (operating fixed-odds betting requires prior authorisation) · Decreto-Lei 3.688/1941, art. 50 (running a gambling operation without holding an authorisation) · Lei 9.613/1998, art. 1 (offence of money laundering) · Lei 10.406/2002 (Civil Code), art. 422 (objective good faith in performing the contract) · Portaria SPA/MF 1.143/2024 (monitoring and reporting duties)

11. Anti-money laundering and betting integrity

The operator is a regulated entity under anti-money laundering and counter-terrorist financing legislation. It maintains internal policies, continuously monitors transactions and bettor behaviour, and assesses whether the amounts moved are consistent with the declared financial means.

The operator may at any time request further information and documents on the source of funds and on the income and economic activity of the bettor. Refusing to provide them, or providing unreliable documents, allows the account to be suspended until the matter is clarified, as set out in section 12.

Atypical transactions are reported to the Council for Financial Activities Control (COAF) within the statutory deadlines. The law prohibits the operator from disclosing that report to the bettor or to anyone else; the absence of information about it is not a customer service failure, it is compliance with a legal duty.

Evidence of event manipulation is reported to the SPA/MF, to the Public Prosecution Service and to other competent authorities within the regulatory deadlines. Settlement of the bets involved may be suspended while the enquiry lasts, and the bettor is told of the suspension and of how long it is expected to take.

Registration records, financial transaction records and game records are retained for the regulatory period, at the disposal of the regulator and the authorities, and transmitted to the SPA/MF supervision system at the required intervals.

Legal basis: Lei 9.613/1998, arts. 9, 10 and 11 (regulated entities, records and reporting to COAF) · Portaria SPA/MF 1.143/2024 (AML/CTF policy of the betting operator) · Portaria SPA/MF 722/2024 (data transmission and supervision by the SPA/MF) · Portaria SPA/MF 1.207/2024, art. 10 (retention of game records for 5 years) · Lei 14.790/2023, arts. 23 to 25 (betting integrity and reporting to the authorities)

12. Suspension, blocking, closure and dormancy of the account

The operator may suspend or block the account, in whole or in part, on the grounds listed below. The measure is precautionary, proportionate to the matter under enquiry and limited to the time the enquiry requires.

Every suspension is notified to the bettor by durable means, stating the reason, what is being investigated and the deadline for providing explanations and documents. Where the enquiry closes with no irregularity found, the account is fully restored and pending bets and prizes are settled as if the suspension had never happened.

During a suspension the bettor cannot place new bets or make new deposits. Withdrawal of the undisputed balance remains available, unless an order of a competent authority or an anti-money laundering enquiry reaches those specific funds. Lawfully sourced balance unconnected with the matter under enquiry is not held back.

The bettor may close the account at any time, without giving reasons and free of charge, using a feature available in the account itself. Once open bets are settled, the remaining balance is returned to a payment account in their own name. Closure does not erase records the law requires to be kept, and the Privacy Policy explains which records those are and for how long.

The operator may close the account for a serious breach of these Terms, by reasoned notice and with 30 days notice, during which the bettor may withdraw any balance due. The notice period does not apply where immediate closure follows from a legal requirement, an order of an authority, proven fraud or a risk to betting integrity.

An account with no access and no activity for 180 days is treated as dormant. The operator notifies the bettor before applying that classification and follows the regulatory procedure. The balance of a dormant account continues to belong to the bettor, remains at their disposal, and is not subject to any maintenance fee or any deduction for the period of dormancy; reactivation requires fresh authentication and revalidation of the registration.

• Reasonable suspicion of fraud, collusion or event manipulation
• Evidence that the account holder falls within one of the exclusions in section 2
• Identification of a duplicate account or of use of the account by another person
• An anti-money laundering alert or refusal to evidence the source of funds
• Registration information that is false or materially out of date, or unreliable documents
• Any of the prohibited conduct in section 10
• An order of a judicial or administrative authority or of the SPA/MF
• A self-exclusion request by the bettor, within the limits of section 9

Legal basis: Portaria SPA/MF 1.231/2024, art. 23 (closure of the account by the bettor through a dedicated feature) · Portaria SPA/MF 1.231/2024, art. 34 (revalidation of registration) · Portaria SPA/MF 1.231/2024, art. 37 (accounts dormant after 180 days) · Portaria SPA/MF 1.143/2024 (precautionary measures on evidence of money laundering) · Lei 8.078/1990 (Consumer Protection Code), art. 51 (nullity of terms placing the consumer at an excessive disadvantage)

13. Intellectual property and licence to use

The trade marks, names, logos, software, source code, layout, texts, images, sounds, databases, result generation algorithms and the composition of the odds belong to [to be provided] or to its licensors, and are protected by copyright, software and industrial property legislation.

The operator grants the bettor a personal, non-exclusive, non-transferable and revocable licence, limited to using the platform for the purpose set out in these Terms. The licence ends when the account is closed.

Copying, reproducing, distributing, modifying, translating, decompiling, reverse engineering, systematically extracting content or data, creating derivative works, displaying the platform inside another website or using the operator trade marks without written authorisation is prohibited.

Content sent by the bettor to customer service channels, including messages, reviews and documents, remains theirs. By sending it, the bettor authorises the operator to use it as needed to provide the service, investigate the matter and comply with legal and regulatory obligations, and confirms holding the necessary rights over what was sent.

Legal basis: Lei 9.610/1998 (copyright) · Lei 9.609/1998 (protection of computer programs) · Lei 9.279/1996 (industrial property: trade marks) · Lei 10.406/2002 (Civil Code), art. 422 (objective good faith)

14. Limitation of liability

Nothing in these Terms excludes or reduces the operator liability to the consumer for defective service, or for wilful misconduct or gross negligence. A term to the contrary would be void as a matter of law, and that is how any provision of this document that appears to go further than the law allows must be read.

The operator is answerable for the working of the platform, for correctly determining results and for paying prizes due. It is not answerable for the situations listed below, which are outside its control or arise from the conduct of the bettor.

Losing the amount staked is a normal and expected outcome of betting and is not a compensable loss. The bettor acknowledges that game results are random or depend on a future and uncertain event, and that no game offers a guaranteed return.

Scheduled maintenance interruptions are announced in advance wherever possible. Unscheduled interruptions are restored as quickly as possible, and affected bets are handled under section 6. The statutory regime on unforeseeable circumstances and force majeure applies.

Where there is a duty to compensate, compensation is full, in accordance with the Consumer Protection Code. These Terms set no cap, deductible or monetary limit on the compensation due to the consumer bettor.

• Failures of the bettor own connection, power supply, device or software
• Unavailability or delay attributable to the payment institution chosen by the bettor
• Use of credentials by a third party owing to the bettor negligence in safeguarding them, up to the notification provided for in section 3
• Decisions, cancellations, postponements or result changes made by the body organising the event
• Content of third-party websites reached through links on the platform
• Unforeseeable circumstances and force majeure, including interruptions of public telecommunications infrastructure

Legal basis: Lei 8.078/1990 (Consumer Protection Code), arts. 14 and 20 (liability for defective and faulty service) · Lei 8.078/1990 (Consumer Protection Code), art. 51, I (nullity of terms excluding or reducing supplier liability) · Lei 10.406/2002 (Civil Code), art. 393 (unforeseeable circumstances and force majeure) · Lei 14.790/2023, arts. 23 to 25 (duties of the betting operator towards the bettor)

15. Customer service, complaints, dispute resolution, governing law and jurisdiction

Customer service operates 24 hours a day, in Portuguese, free of charge, through electronic channels and by telephone. The first-line contact is [to be provided], and the remaining channels are published on the Customer Service Channel page at jogodobicho.com.

Where a matter is not resolved by customer service, the bettor may escalate to the Ouvidoria, an independent second instance, at [to be provided]. The Ouvidoria is headed by a person of director level or equivalent, notified to the SPA/MF, and replies with reasons within the periods set by consumer service regulations.

Response times follow consumer service legislation. Complaints about how a result was determined and how a bet was settled also follow the specific period in section 7.

The bettor may at any time, and without having to exhaust internal channels, turn to consumer protection bodies, to the consumidor.gov.br platform, to the PROCON offices and to the courts, and may also complain to the SPA/MF as the regulator of the activity.

These Terms are governed exclusively by Brazilian law. The courts of the district where the bettor is domiciled are chosen to settle disputes arising from this contract, in keeping with the consumer right to sue in their own place of domicile. The operator does not impose arbitration: submitting a dispute to arbitration requires the specific agreement of the bettor, given after the dispute has arisen.

If any provision of these Terms is held invalid, the remaining provisions stay in force. The operator tolerating one breach does not waive the right to require compliance on other occasions.

Legal basis: Lei 8.078/1990 (Consumer Protection Code), art. 6, VII (access to administrative and judicial bodies) · Lei 8.078/1990 (Consumer Protection Code), art. 51, VII (nullity of compulsory arbitration clauses) · Lei 8.078/1990 (Consumer Protection Code), art. 101, I (jurisdiction of the consumer domicile) · Decreto 11.034/2022 (consumer service rules) · Portaria SPA/MF 1.231/2024 (customer service, SAC and Ouvidoria of the betting operator)

16. Changes to these Terms, current version and notification

These Terms may be changed to align with legislation and SPA/MF regulations, to add or withdraw games and to improve security. Each text carries a version number and an effective date, shown at the top of this document.

Material changes are notified at least 30 days in advance, by message to the registered email address and by a prominent notice on the next login. Where a change follows from a legal requirement or an SPA/MF order with a shorter deadline, it takes effect within the period set by that rule and notification is given immediately, stating that expressly.

A bettor who does not agree with the new version may close the account free of charge and withdraw any balance due, as set out in section 12. Using the platform after the effective date constitutes acceptance of the new version.

Bets already accepted continue to be governed by the version in force when they were accepted. A change to these Terms does not retroactively alter the odds, the settlement rule or the entitlement to a prize on an earlier bet.

Earlier versions remain published at jogodobicho.com for consultation, and the operator retains a record of which version each bettor accepted, with date, time and IP address.

Contacts: customer service [to be provided]; Ouvidoria [to be provided]; data protection officer [to be provided]. The processing of personal data arising from these Terms is described in the Privacy Policy, under the General Data Protection Law.

Legal basis: Lei 8.078/1990 (Consumer Protection Code), arts. 46 and 54 (prior knowledge and amendment of standard-form contracts) · Lei 13.709/2018 (LGPD), arts. 6, 9 and 18 (transparency and data subject rights) · Portaria SPA/MF 1.231/2024, art. 32, § 1 (versioning and recording of changes) · Lei 14.790/2023, arts. 23 to 25 (duty to inform the bettor clearly)