This User Agreement outlines the terms for using our services (“Services”). Please read it carefully before accepting. The ‘Casa Da Fortuna’ application and website (casadafortuna.net) are operated by EVERY BODY WINS SARL, an entity licensed to operate and sell Lotteries, Raffles, Sports Gambling, and all permitted activities under the Ministry of Sports License ‘Exerciso do ato de exploracao dos Jogos de Apostas desportivo, fortuna azar’ in the Bissau Autonomous Sector. The license (No. 010/2027) was granted to EVERY BODY WINS SARL. EVERY BODY WINS SARL owns, operates, and manages the following platforms:

• Casa Da Fortuna
• Sortudo
• CasaBet

Together, these are referred to as “Everybody Wins SARL”, “we”, “us”, or “our”. By clicking and accepting this User Agreement, you (“user”, “you”, or “your”) confirm that you have read, understood, and agree to be bound by the terms and conditions to access and use our platforms: Sortudo, Casa Da Fortuna,CDF and CasaBet (collectively referred to as the “Platform”). This User Agreement and our Privacy Policy (collectively, the “Terms”) govern your use of the Platform. The Terms apply regardless of how you access the Platform or which devices or technologies you use to access it. Additional terms may apply to specific products, services, offers, or contest draws (“Services”) available on our Platform, either directly or through third-party sites. Nothing in these Terms affects your statutory rights as a consumer under applicable laws.  

1. Casa da Fortuna PLATFORM 1. The following provisions apply with respect to your use of any version of the CDF Platform.

1.1.1            By creating an account on the Platform, you have access to the CDF Platform where you may purchase goods and services. 1.1.2            In order to enter a lottery on the Platform, you will need to purchase tickets available on the Platform. Once you have purchased a ticket, you will receive a Ticket to enter a Draw. Depending on the outcome of the Draw, you may win Prizes. Please refer to the Draw Terms in this User Agreement for further details of how our Draws work.  

2. PRIVACY POLICY
   • The personal information you provide in the course of using the Platform will be used in accordance with our Privacy Policy, the terms of which are hereby incorporated into and form part of the Terms.

 

3. ELIGIBILITY FOR MEMBERSHIP 1 It is imperative for Everybody Wins SARL to ensure that users of the Platform are able to enter into legally binding contracts and that minors do not purchase, use, or have access to unsuitable content. Membership and/or use of the Platform is not available to persons under the age of 18 years old or the legal age applicable in your jurisdiction to enter into a contract, if different. By using the Platform, you represent and warrant that you are of the correct legal age to enter into this User Agreement in the jurisdiction you are in, and that all information you submit is accurate and truthful when registering any information with the Platform or providing any information to us.

3.2        The Platform is not available to users whose membership has been refused, limited, suspended or withdrawn by EveryBody Wins SARL. 3.2        No user may register on the Platform as a member more than once.  

4. REGISTRATION AND MEMBERSHIP OBLIGATIONS 1 In order to access the Services and utilize the Platform, you will be required to create an account and register information with us in order to create a membership (“Membership”). You agree that any information provided to us will be complete and accurate, that you will not register under the name of, nor attempt to enter the Membership under the name of, another person, and that you will not adopt a username that we, in our sole discretion, deem offensive. We reserve the right to refuse a Membership, or limit, suspend, or withdraw access to the Platform to any person at any time and for any reason.

4.2        You are responsible for promptly updating details of your Membership such that the details are at all times considered true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete, or if EveryBody Wins SARL suspects in our sole discretion that such information is untrue, inaccurate, not current, or incomplete, or not in accordance with this User Agreement, we have the right to suspend indefinitely, limit, or withdraw your Membership and/or your access to the Platform. 4.3        When registering your account on the Platform in order to create your Membership, you will be required to provide certain information and register a username and password for use of the Platform. To keep your Platform account secure, you have to protect your account through reasonable means, and you are responsible at all times for maintaining the confidentiality of, and restricting access to and use of, your Platform account and password. 4.4        You agree to accept responsibility for all activities that occur under your Platform account. If someone other than you uses the Platform with your login information, you will be held accountable for all actions taken in your name. 4.5        You may not, at any point in time, use any other person’s Membership. You agree to reimburse EveryBody Wins SARL in full for any costs, expenses, and damages caused by improper, unauthorized, or illegal use of your Membership and password by you or any person obtaining access to the Platform. 4.6        You may not transfer or sell your Membership or account details to another party, and you undertake that you are solely responsible for all activity conducted on the Platform through the use of your Membership.  

5. ELECTRONIC COMMUNICATION

 

• To fulfil our obligations to you under these Terms, we may wish to communicate with you by email, by other forms of electronic messaging, SMS and/or by posting notices on the Platform. You agree to receive communications from us electronically and these electronic communications will satisfy any legal requirement for communications which need to be in writing.

   

6. YOUR USE OF THE PLATFORM
   • You may not access or use the Platform or the Services for any purpose other than the purpose for which we make the Platform or the Services, as applicable, available to you and you may not use either the Platform or the Services in a way that infringes the rights of anyone else or that restricts or inhibits anyone else’s enjoyment of the Platform.
   • Without limiting the generality of clause 6.1, when accessing the Platform, or using our Services, you should not:
     • post or transmit false, inaccurate, misleading, defamatory, or libellous content (including but not limited to during the registration process);
     • violate any third-party rights, including intellectual property rights;
     • advertise to, or solicit, any user to buy or sell any Services, except with the express written approval of us;
     • transmit chain letters or junk email to other users;
     • use any information obtained from the Services in order to contact, advertise to, solicit or sell any products or services to any user without their prior explicit consent;
     • attempt to impersonate another user or person;
     • use the username or account of another user;
     • use any information obtained from the Services and Platform in order to harass, abuse or harm another user or person;
     • accepting payment of anything of value from a third person in exchange for your performance of any commercial activity on or through the Services on behalf of that person;
     • use the Platform in a manner inconsistent with any and all applicable laws and regulations; and
     • otherwise, incur any liability to the Platform or us.

 

• You may not copy, modify, distribute, sell, or lease any part of the Platform. Unless law prohibits such restriction or you have our written permission, you may not reverse engineer or attempt to extract the source code of the Platform. You may only access the Platform through the interfaces that we provide for that purpose (for example, you may not “scrape” the Platform through automated means or “frame” any part of the Platform), and you may not interfere or attempt to disrupt the Platform.

6.4        You may not attempt to gain unauthorized access to any portion or feature of the Platform, or any other systems or networks connected to the Platform, or to any of the Services offered on or through the Platform, by hacking, password “mining” or any other illegitimate means. 6.5        You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Platform or our systems or networks, or any systems or networks connected to the Platform or to us. 6.6        You agree not to use any device or software to interfere or attempt to interfere with the proper working of the Platform or any transaction being conducted on the Platform or with any other person’s use of the Platform    

7. PAYMENT AND REFUND

7.1        If you make a payment for one of our Services available on our Platform, the details you are asked to submit will be provided directly to our payment provider via a secured connection. Please ensure you have read the applicable terms and conditions provided by your bank prior to the transaction. 7.2        Multiple transactions by you on our Platform may result in multiple postings to your monthly statement. 7.3        The product prices displayed on our Platform are inclusive of VAT. You will be charged in XOF (West African Franc CFA). We are not responsible and shall not compensate you for any loss that occurs due to rate fluctuations. Everybody Wins SARL gives no warranties or representations whatsoever in relation to the exchange rates it provides for any transaction and is under no obligation to provide the best or most competitive exchange rates available. 7.4        For any defective products sold by EveryBody Wins SARL, we will offer you a remedy in compliance with applicable laws. You acknowledge and agree that any refunds requested by you may affect your participation in Draws and chance to win Prizes (as set out in more detail in the Draw Terms). This is because your entry into the Draws are directly correlated to your purchase of the products and Services available on the Platform.  

8. INTELLECTUAL PROPERTY RIGHTS

8.1        The Platform and the materials on the Platform, including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features and the like (“Materials”) and the trademarks, service marks and logos contained therein (“Marks”), are owned by or licensed to EveryBody Wins SARL, and are subject to copyright and other intellectual property rights under Guinea-Bissau and foreign laws and international conventions. 8.2        In connection with the Services, the Platform may display certain content belonging to third parties. Use of this content may be subject to a license granted by third parties to EveryBody Wins SARL. You shall, in no event, reverse engineer, decompile, or disassemble such content and nothing herein shall be construed to grant you any right in relation to such content. Materials on the Platform are provided to you “as is” for your information and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcasted, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. 8.3        EveryBody Wins SARL reserves all rights not expressly granted herein to the Platform and the Materials. You agree to not engage in the use, copying, or distribution of any of the Materials other than as expressly permitted herein, including any use, copying, or distribution of Materials of third parties obtained through the Platform for any commercial purposes. You agree not to circumvent, disable or otherwise interfere with security-related features of the Platform or features that prevent or restrict use or copying of any Materials or enforce limitations on the use of the Platform or the Materials therein. 8.4        Content displayed on or through the provision of the Services are protected by copyright as a collective work and/or compilation, pursuant to copyrights laws, other laws, and international conventions. Any reproduction, modification, creation of derivative works from or redistribution of the Platform, the Materials, or the collective work or compilation is expressly prohibited. Copying or reproducing the Platform, the Materials, or any portion thereof for further reproduction or redistribution is expressly prohibited. 8.5        You will be exposed to Materials from a variety of sources, and, as far as the applicable law allows, EveryBody Wins SARL is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such Materials, and you agree and assume all liability for your use of any such Materials  

9. DISCLAIMER FOR THIRD-PARTY APPLICATIONS

9.1        The use of any third-party application is subject to any terms and conditions provided with such third-party application and is not governed by us. Everybody Wins SARL is not responsible for any third-party applications, and you acknowledge that such applications may be modified or removed by their original publisher and/or respective rights owner at any time. You assume all responsibility and risk of use of any third-party applications (including any content therein) and Everybody Wins SARL hereby disclaims any and all liability to you or any third-party related thereto. 9.2        Everybody Wins SARL does not have any obligation to examine or scan third-party applications, for any purpose, and is not responsible for the accuracy, completeness, appropriateness or legality of any third-party applications. The fact that a third-party application is available via any online platform or otherwise is not an endorsement, authorization or representation of Everybody Wins SARL’s affiliation with any third-party, nor is it an endorsement of such third-party application and you hereby waive any legal or equitable rights or remedies you have or may have against Everybody Wins SARL with respect thereto. Everybody Wins SARL exercises no control over third-party applications, products, services, software or any online platform and we are not responsible for their performance, do not endorse them, and are not responsible or liable for any content, advertising, or other materials available through any third-party applications, products, services, software and any online platform. We are not responsible or liable, directly or indirectly, for any damage or loss caused to you by your use of or reliance on any goods or services available through the third-party applications, products, services, software and any online platform.  

10. DISCLAIMER OF WARRANTY

10.1     To offer a reliable and enjoyable service we need to fix bugs, install updates and perform general diagnosis and maintenance. We cannot warrant that the Platform and Services will always be uninterrupted, problem-free, free of omission, or error-free. To the extent allowed by law, the Materials and function of the Platform, and Services, are provided on an “as is” basis without warranties of any kind, whether expressed or implied. 10.2     Information obtained on the Platform may not always be accurate. We use other providers to provide data on which we base the information detailed on the Platform. We try to make sure that the data is correct and up to-date together with our partners, but we cannot guarantee that it will always be.  

11. LIMITATIONS OF LIABILITY

11.1     To the maximum extent permissible by applicable law, we, our group entities, subsidiaries and affiliates (“Companies”), and their respective suppliers, and any of their owners, officers, directors, managers, members, agents, and employees: 11.1.1         shall not be responsible for any infringement or transaction dispute, including, but not limited to, transaction disputes about quality, safety, breach of warranty, and the payment by you; 11.1.2         are not liable for any direct, indirect, punitive, incidental, special, or consequential damages or loss (including, without limitation, incidental and consequential damages, loss of revenue or anticipated profits, loss of goodwill, loss of business or damages resulting from lost data or business interruption) arising out of, or in a way connected with the use or inability to use the Platform and the Services, whether based on warranty, contract, tort (including negligence), or any other legal theory, and whether or not we advised of the possibility of such damages; 11.1.3         exclude any and all liability for damages caused by any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any communications due to technical problems or traffic congestion on the internet or on the Platform or combination thereof, including any injury or damage to any users or to any person’s computer related to or resulting from use of the Platform; and 11.1.4         expressly disclaim all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement.   11.2     In conjunction with the limitation of warranties as explained herein, you expressly understand and agree that our maximum liability for any claim against us shall be limited to an amount of XOF 100, for use of our Platform and/or Services.  

12. INDEMNITY

12.1     You agree to defend, indemnify and hold harmless EveryBody Wins SARL and its Companies, and its and their officers, directors, shareholders, successors, assigns, agents, service providers, suppliers and employees, from and against any and all claims, damages, obligations, losses (whether direct, indirect or consequential), liabilities, costs or debt, and expenses (including but not limited to legal fees) arising from: (i) your breach of any provision of this User Agreement; (ii) your breach of any third-party right, including without limitation any copyright, trademark, trade secret or other intellectual property, or privacy right; (iii) your use of the Platform or the Services, or (iv) any claim that the Platform, Services or any Materials caused damage to you or a third-party. This defence and indemnification obligation will survive termination, modification or expiration of this User Agreement and your use of the Services and the Platform.  

13. LIMITATION AND TERMINATION OF SERVICES

13.1     Everybody Wins SARL may establish limits from time to time concerning use of the Services, including among others, the maximum number of days that content will be maintained or retained by the Service, the maximum number and size of postings, e-mail messages, or other content that may be transmitted or stored by the Services, and the frequency with which you may access the Services or the Platform. 13.2     Everybody Wins SARL reserves the right at any time to modify or discontinue the Service on the Platform (or any part thereof) with or without notice (without the need for a court order), and that Everybody Wins SARL shall not be liable to you or to any third-party for any such modification, suspension or discontinuance of the Service 13.3     In the event of termination, you will no longer be authorized to access the Platform or your Membership, and we reserve the right to use any means possible to enforce this termination. You undertake to immediately notify Everybody Wins SARL of any unauthorized use of your Membership or any other security breach. 13.4     Termination or limitation of your access or use will not waive or affect any other right or relief to which we may be entitled at law.  

14. FORCE MAJEURE

14.1     Under no circumstances will we be held liable for any delay or failure or disruption of the Services delivered through the Platform or any disruption to the Platform itself resulting directly or indirectly from acts of nature, forces or causes beyond our reasonable control, including, without limitation, Internet failures, computer, telecommunications or any other equipment failures, electrical power failures, strikes, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, epidemics, pandemics, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals or non-performance by third parties.  

15. GENERAL INFORMATION

15.1     Severability: If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal or unenforceable and can be deleted without altering the essence of these Terms, the invalid, illegal or unenforceable provision will be severed and the remaining provisions will remain in full force or effect. 15.2     No Waiver: Any failure by us to enforce any terms set out in these Terms or other policies with you is not a waiver of our rights to enforce those terms. 15.3     Assignment and third-party rights: You may not assign or sub-contract any of your rights or obligations under these Terms to any third-party unless we agree in writing. We may assign, transfer or sub-contract any of our rights or obligations under these Terms to any third-party at our discretion and without the need for your consent or the requirement to provide you with notice.  

16. GOVERNING LAW AND DISPUTE RESOLUTION

16.1     The Terms shall be governed by and construed under the laws of Bissau, Guinea-Bissau. 16.2     These Terms may be published in English and Portoguese. If there is any inconsistency between the English text and the Portoguese text, the English text will prevail apply.  

17. CONTACT

You can contact us at: jogo@sortudo.co  

18. CASA DA FORTUNA LOTTERY DRAW TERMS (“DRAW TERMS”)

18.1     In addition to your agreement with the Terms, the following provisions apply with respect to you participating in our contest draws (“Draw(s)”) and winning the prizes (“Prize(s)”). 18.2     We may amend these Draw Terms at any point in time without notice and the amendments will take effect once they have been displayed on the Platform. You acknowledge and agree that it is your responsibility to review these Draw Terms periodically to familiarize yourself with any modifications. Your continued use of the Platform and/or entry into Draws following any amendments shall be construed as acceptance of those amendments. 18.3     Draws will be approved by Everybody Wins SARL and are in accordance with the guidelines (as such they may be amended from time to time). A valid permit number will be issued for each respective Draw. 18.4     Only users with a valid Membership to the Platform that satisfies all the Terms are eligible to enter into our Draws. 18.5     The types of Draws vary on the Platform. Each ticket purchased on the Casa Da Fortuna  platform in accordance with these Terms is associated with a specific type of Draw whereby a user is awarded at least a single ticket (“Ticket”) to that specified Draw after purchasing the shopping card. 18.6     Your shopping card(s) are valid for one (1) calendar year from the date of your last redemption at our online or physical stores. In the event that you have never redeemed any shopping card(s), your shopping card(s) will be valid for one (1) calendar year from the date of your first purchase of a shopping card on the Casa Da Fortuna Platform. At every redemption of a shopping card, the expiration date of the outstanding shopping card(s) will extend for a further one (1) calendar year from the date of the redemption. 18.7     To collect your prize, you must visit our premises within fifteen (15) calendar days from purchasing the product(s) and present your valid identification (such as your national identification card, passport, driver’s license, etc.) as may be required in our sole discretion. Everybody Wins SARL may, at its sole discretion, allow an individual who has been given a written, valid and effective Power of Attorney (POA) by you to collect the product, subject to them presenting the necessary identification. Everybody Wins SARL will evaluate any such reliance on a POA on a case-by-case basis and cannot guarantee that an individual with a POA from you will be allowed to collect the product on your behalf. Failure to collect the purchased product within this time frame will result in such product purchase being cancelled. 18.8     Everybody Wins SARL reserves the right, without prior notice, to consider any unutilized shopping card credits in your Wallet waived by you after a reasonable amount of time. 18.9     We will determine the time, frequency, date, and method of the Draw.  

19. WINNING A PRIZE

19.1 LOTTO BISSAU Raffle Draw 19.1.1 There is one Prize category for each Draw. 19.1.2 For all entries in the Raffle Draw, the Number Selection will be automatically picked by an internationally certified RNG. 19.1.3 Winnings up to 10,000 XOF will be paid directly into Your Winning Balance or can be collected in store or via agents by providing your physically bought ticket. Winnings more than 10,000 XOF must be collected at the company headquarters by providing the physical ticket puchased along with correspornding government identification. 19.2 Main Draw

1. a) There are 5 Prize categories in each of this portion of the Lotto Bissau

Draw.

1. Match Two – the Customer has correctly matched two numbers against the Winning Numbers selected by the internationally certified RNG.
2. Match Three – the Customer has correctly matched three numbers against the Winning Numbers selected by the internationally certified RNG.
3. Match Four – the Customer has correctly matched four numbers against the Winning Numbers selected by the internationally certified RNG.
4. Match Five – the Customer has correctly matched five main numbers, Bonus Ball “BB” will not be counted, against the Winning Numbers selected by the internationally certified RNG.
5. Match Six- the Customer has correctly matched six main numbers, Bonus Ball “BB” will not be counted, against the Winning Numbers selected by the internationally certified RNG.

• b) Match Two: The Prize winner will receive a fixed amount of XOF 650. This prize may be amended from time to time at Our sole discretion.
• c) Match Three: The Prize winner will receive a fixed amount of XOF 10,000. This prize may be amended from time to time at Our sole discretion.
• d) Match Four: The Prize winner will receive a fixed amount of XOF 100,000. This prize may be amended from time to time at Our sole discretion.
• e) Match Five: The Prize is a fixed prize of XOF 1,000,000 per Draw. The Match five Prize will be divided equally between all Match Five winning Customers in the Draw. This prize may be amended from time to time at Our sole discretion.
• f) Match Six: The Prize is a fixed prize of AED 80,000,000 per Draw. The Match Six Prize will be divided equally between all Match Six winning Customers in the Draw. This prize may be amended from time to time at Our sole discretion.

 

20. Results

20.1 The Winning Numbers for each Draw will be made available on the Platform and through Casa Da Fortuna official socials after each Draw. The Winning Numbers may be published in such manner as We may from time to time determine. You will have no claim for compensation for any failure on Our part to publicise the Winning Numbers or for failure to notify holders of winning Entries. 20.2 You will not be entitled to claim for compensation, and We will not be bound by any errors contained in any announcement or publication, whether typographical, printing or otherwise or any publication or announcement of the amount of the Prizes in a Draw (where the announcement or publication is made before the amount to be paid in Prizes is finalised). 20.3 In the event of a discrepancy between the Winning Numbers published on the Platform and/or other announcement or publication and the official Winning Numbers contained on the Central Computer System, the latter shall prevail. 20.4 In the event that the final verified number of winning Entries is different than the initial publicised number of provisional winning Entries, the Prize money payable to such winners may vary. 20.5 In the Ball Draw, Customers can only win in one Prize category per single Entry but shall be entitled receive the Prize for the highest Prize category won (i.e., if You are a Match Five winner, You will only receive the Match Five Prize. You will not receive a Match Four, Match Three, Match Two and Match One Prize). 20.6 Prize winners will not be notified by Casa Da Fortuna. Customers must check whwether they hold a winning ticket and claim the within the designated timeframe stated above.

21. PAYING A PRIZE OVER 100,000 XOF

21.1 Prior to the payment of a Prize, the Customer may be validated according to Casa da Fortuna’s Customer validation procedures (KYC), including all necessary screening we decide. Our decision as to the validity of an Entry is final and binding. 21.2 In addition, prior to a Prize being paid, You may be required to provide: 21.2.1 full identification documentation; and/or 21.2.2 a statutory declaration as to ownership, entitlement and compliance with relevant laws. 21.3 We will only pay a Prize based on the official Winning Numbers of the relevant Draw recorded in line with Casa Da Fortuna’s rules and will not pay a Prize based on results recorded elsewhere. 21.4 Subject to verification of identity, proof of age and Entry validation: 21.5 The Grand Prize(Above XOF 100,000) and any Jackpit Prizes must be claimed in person in Guinea-Bissay. Payment will be made (at Our discretion) by cheque, cash or by bank transfer to a Guinea-Bissau Bank account. Payment of Prizes Exceeding XOF10,000,000 will be paid at least 20 Calander Days After the prize is claimed. 21.6 Payment of the Prize to the Claimant (or their authorised representative) shall fully and effectively discharge Casa da Fortuna, its officers, employees, representatives, contractors, any person or firm authorised by Us to pay Prizes, from any further liability for payment of that Prize. 21.7 We reserve the right to: 21.7.1 withhold a Prize until We are satisfied that an Entry is valid and/or the Claimant is lawfully entitled to payment of a Prize. 21.7.2 request proof of entitlement to a Prize (including, without limitation, identification information, proof of identity, residency or location when Entering Draws and capacity to claim). 21.7.3 invite a court to decide who a Prize should be paid to and/or make payment into court 21.7.4 declare an Entry invalid (and will not, therefore, be obliged to pay any Prize) if:

• We reasonably believe that the Claimant is not the holder of the relevant Account, or that the information provided by the Claimant is incomplete or has been altered or tampered with.
• the Entry has been tampered with in whole or in part or fails to pass our validation and security tests; or
• the Entry is defective, in whole or in part.

21.8 We reserve the right to refuse and will not be liable to pay a Customer a Prize if:

• the Customer does not meet the eligibility criteria or
• You are unable or fail to supply the necessary identification documentation when claiming a Prize.
• If a Prize is paid to anyone who does not meet such eligibility criteria, that person will be obliged to repay the Prize immediately upon Our request. We reserve the right to recover any incorrectly paid Prize.

21.9 We will not be responsible or liable to any person claiming a Prize which has been paid to a person who assumed the identity of the relevant Account holder. 21.10 Under no circumstances will interest be payable on any Prize. 21.11 Prizes will be paid only to the registered holder of the Account with the winning Entry, unless You are a person with a legal, physical or other disability and are claiming a Prize, where, in these circumstances, We may pay the Prize to Your authorised representative. 21.12 In the event of the death of a Claimant, a person can claim on behalf of such deceased Claimant’s estate where they can prove, to Our satisfaction, that they are entitled to make such a claim (for example, by providing a grant of probate). 21.13 In the event of the death of an accepted and approved Winner, who had previously agreed a schedule of payments to receive their Prize, the payments shall continue to be paid, as per that agreed schedule, to their legal heirs and successors, once satisfactory evidence has been presented to and accepted by the company. 21.14 All cash Prizes will be paid in West African Franc CFA XOF in the amount advised by Us as the final amount payable for that winning Entry. 21.15 Due to anti-money laundering rules and regulations, The Jackpot Prizes will only be paid into a Guinea-Bissau Bank account (an Authorised Financial Institution can assist with account opening if required). 21.16 Casa da Fortuna is fully entitled to decide the paymet terms of Jackpot prizes depending on the game.   22.PAYMENT TERMS FOR LOTTO BISSAU JACKPOT   The following terms and conditions apply to Jackpot Payouts equal to or exceeding 50,000,000 XOF. Winners will have to choose between a lumpsum payment or an annuity option.  

• Lump Sum Option: Winners who choose the lump sum payout will receive 50% of the jackpot value. This payment will be made atleast 20 days after the claim is submitted and all necessary verifications are completed. The payment will be deposited into a Guinea-Bissau bank account.
• Annuity Option: Winners who choose the annuity payout will receive the full jackpot amount over 3 years. Payments will be made in the form of monthly salaries and deposited into a Guinea-Bissau-based bank account.

23. Taxes

• A 15% winning tax will be applied to the prize amount. The tax will be deducted from the payout before the winner receives the funds, whether the lump sum or annuity option is chosen.

24. Claiming Period

• The winner must claim the prize within 15 days of the draw date. If the prize is not claimed within this time, the winner forfeits the right to the prize.

25. Verification and Payment Timeline

• All claims are subject to a verification process to ensure the legitimacy of the winning ticket. Once the verification is complete, the payout will be processed based on the selected option (lump sum or annuity). The lump sum will be paid 15 days after verification, and annuity payments will commence as scheduled.

26. No Anonymity

• The winner agrees to be publicly announced as part of the prize claim process. Anonymity is not allowed, and failure to comply will result in the forfeiture of the prize.