Main rules and rules of games of chance

Approved by Tax and Customs Board: 28.11.2022 nr 12.2-2.1/00464-2

The rules of toto can be found from here and these apply together with current general rules.

Terms of Use of the OB Holding 1 OÜ Gaming Environment



Games of chance as remote gambling are organised by OB Holding 1 OÜ (hereinafter OlyBet), registry code: 14975047, address: Pronksi 19 Tallinn 10124, phone: 6 671 250, email: [email protected]. Games of chance as remote gambling are organised via the websites and, while Estonian customers do not have access to the services offered on the website.



2.1. These Terms of Use are treated as an agreement between OlyBet and the customer, and the parties undertake to comply with them.

2.2. OlyBet reserves the right to unilaterally change these Terms of Use at any time, in order to, inter alia, improve the customer experience, make the Terms of Use clearer or bring them in line with legal requirements or OlyBet’s corporate interests. If a change to the Terms of Use restricts the customer’s existing rights or otherwise harms their interests, OlyBet shall notify the customer within a reasonable time of the entry into force of such a change.

2.3. If the customer does not agree to the amended Terms of Use, they must stop using the user account. If the customer does not stop using the user account under this clause, OlyBet shall close the user account.



3.1. By opening a user account, a customer relationship is established between the customer and OlyBet.

3.2. Pursuant to the Gambling Act, OlyBet is obliged to verify the identity of the persons using the user account. The identifiable data includes the first name, last name and personal identification code and the customer cannot use the gaming service before verifying such data. The identification of the customer is made on the basis of Mobile ID, Smart ID, online identification services, the personal identification code provided by the bank deposit and the customer information received on the deposit. If the customer’s identity cannot be verified or if the customer is younger than 18 years old, their user account will not be activated. Upon the first visit, the customers assign themselves a username and password, on the basis of which they will be identified at each subsequent visit.

3.3. When opening a user account, the validity of the customer’s restrictions is also checked from the list of persons with restrictions on gambling maintained by the Tax and Customs Board

(HAMPI). If the customer is on the HAMPI list, a user account will be created, but the restricted customer will not be able to gamble to the extent where the restriction applies.

3.4. At any time, OlyBet has the right to request additional data about the account, credit card, bank or e-wallet account etc. for the purpose of preventing misuse, even after activating the user account in the gaming environment.

3.5. In accordance with the Gambling Act, a person under the age of 21 is not allowed to play a game of chance in Estonia. In accordance with the Gambling Act, a person under the age of 18 is not allowed to play toto in Estonia. As a result, it is possible to create an account in the OlyBet gaming environment in Estonia for a natural person of at least 18 years of age, but it is not possible to play games of chance with such an account.

3.6. Each customer may have a single user account. Each customer is only allowed to play personally, and it is strictly forbidden to pass on the username and password to another person. OlyBet reserves the right to block and/or close a user account at any time if there is a suspicion that the account holder is not using their user account personally. In this case, OlyBet shall not be liable in any way for any damages that the registered user may incur as a result of such a decision.

3.7. Customers are prohibited from using methods or means of playing a game of chance that are contrary to good practices and customs of gambling (including but not limited to electronic, mechanical or other means that allow you to determine, modify, record or analyse, depending on the game or part thereof, the outcome of the game, the amount of winnings to be paid out, the chances of winning or the strategy of the gaming system used, etc.) or that reduce the chances of winning for fellow customers.

3.8. OlyBet staff reserves the right to restrict a customer’s placing of bets if the customer violates these Terms of Use.

3.9. OlyBet does not give any credit to customers.

3.10. OlyBet shall not be liable for any loss or damage incurred by the customer due to force majeure, including power outage, disruption or failure of telecommunications services or networks, or any other delay or failure caused by a third party.

3.11. If the customer discovers a malfunction in the OlyBet gaming system, they undertake to immediately forward information about the respective failure to OlyBet customer support. The possibility of compensation for material losses resulting from the failure shall be considered by OlyBet only if the customer has immediately fulfilled this obligation.

3.12. A user account where the last login was 12 months ago is considered inactive and OlyBet has the right to charge an inactive account management fee of EUR 5 per month on such account. When the customer’s account balance reaches zero, the administration fee will no longer be charged.

3.13. OlyBet reserves the right to restrict the use of certain services unilaterally and without prior notice, including setting limits for customers.



4.1. In connection with the legal obligations applicable to OlyBet, OlyBet reserves the right to refuse to provide services to the customer and the right to refuse to enter into an agreement.

4.2. OlyBet has the right to refuse to enter into the agreement, in particular if the person wishing to become a customer or a person related to him or her:

4.2.1. does not comply with the legal provisions or these Terms of Use;

4.2.2. is resident in a high-risk (third) country, for which OlyBet has imposed restrictions on establishing a customer relationship according to its risk appetite;

4.2.3. has been convicted of money laundering, terrorist financing and/or crimes where there is a risk that OlyBet’s services may be misused for illegal purposes;

4.2.4. according to various sources, is involved or has been involved in money laundering, terrorist financing and/or crimes where there is a risk that OlyBet’s services may be misused for illegal purposes;

4.2.5. has intentionally or through gross negligence submitted incorrect or incomplete information and/or documents to OlyBet or refuses to provide them;

4.2.6. has not provided sufficient data or documents to identify themselves and/or the beneficial owner at OlyBet’s request, or they do not meet OlyBet’s requirements;

4.2.7. is or has been the subject of international financial sanctions;

4.2.8. is in a delay or has repeatedly delayed the performance of an obligation to OlyBet or failed to perform other obligations arising from the agreement;

4.2.9. a competent public authority or other competent person, including any law enforcement authority, supervisory authority, tax authority, court or bailiff, has issued a lawful order to OlyBet to restrict the services provided to the customer;

4.2.10. has caused direct or indirect damage to OlyBet, poses an actual threat of damage, or has damaged OlyBet’s reputation.

4.3. OlyBet also has the right to refuse to enter into an agreement for any other reason OlyBet deems valid, in particular if the conclusion of the agreement is hindered by a legal obstacle such as a restriction of legal capacity, inconsistency or lack of representation rights.



5.1. As a gambling operator, OlyBet is an obligated person under the Money Laundering and Terrorist Financing Prevention Act.

5.2. In order to prevent money laundering and terrorist financing and to apply sanctions, OlyBet may, in accordance with its obligations:

5.2.1. ask for additional data about the customer at any time (including when establishing a customer relationship or in the course of the customer relationship), including data on the origin of the customer’s wealth and/or assets, frequency of transactions, etc.;

5.2.2. regularly check the information collected for the performance of legal due diligence measures, including the accuracy of the data on which the customer is identified, and require the customer to submit or update relevant data and documents.

5.3. In the event that the customer fails to provide the information specified in clause 5.2.1, OlyBet has the right to restrict, block or extraordinarily terminate the agreement concluded with the customer without observing the term of advance notice.

5.4. OlyBet assumes that the natural person who created the account is the beneficial owner. If this is not the case, the person who created the user account is obliged to notify OlyBet immediately. A beneficial owner is a natural person who, via ownership or other type of control, has the final dominant influence over another person or the person in whose interest, for the benefit of whom or in whose name the transaction or operation is made.

5.5. OlyBet has, inter alia, the right to unilaterally terminate the agreement for a justified reason without observing the term of advance notice if:

5.5.1. the customer does not allow OlyBet to comply with legal due diligence measures, including if the customer fails to provide OlyBet with correct and complete information and required documents in order to comply with such legal due diligence measures, as well as if the customer does not allow OlyBet to update the information;

5.5.2. the information and documents provided by the customer or a person related to the customer do not remove OlyBet’s suspicion that the activities of the customer or a person related to the customer may be related to illegal transactions, terrorist financing or money laundering, or in violation of a sanction.



6.1. By creating an account, the customer agrees that there is a risk of losing money by using the service and confirms that OlyBet is not responsible for such losses. By using the service, the customer agrees to assume all risks when betting in the gambling environment.

6.2. The customer has the right, by means of a statement sent to the gambling operator in a format which can be reproduced in writing and in accordance with the procedure prescribed by OlyBet, to set the following in relation to themselves:

6.2.1. an upper limit on the maximum loss within one week or one month;

6.2.2. a ban on participating in the game for a period of six months to three years.

6.3. The customer can increase or terminate the limit set in clause 6.2.1, but this change shall enter into force no less than 48 hours after making the respective request, if the customer confirms the wish to increase or terminate the respective limit again after 48 hours upon logging into the user account. Making the limit stricter shall take effect immediately. When the limit is initially set up, the validity of the limit starts from the moment of its setting. If the existing limit is changed, the loss limit will change, but the limit will not take effect in the moment of change, instead, the earlier time cycle of the limit will remain in force. The current limit, remaining limit and time cycle can be seen by the customer under their user account profile.

6.4. OlyBet does not accept bets from the customer that are contrary to the limits set on themselves by the customer.

6.5. If the customer detects an error in the OlyBet system when checking the gambling limits, they are obliged to immediately notify OlyBet thereof. OlyBet is not responsible for bets placed after setting game limits and the customer is not entitled to compensation for bets that have exceeded the game limits.

6.6. Setting the limit specified in clause 6.2.2 is possible in Olympic Casino’s land-based casinos, on the website, at the service point of the Tax and Customs Board and in the self-service environment. OlyBet does not accept electronic requests for setting a limit in writing by customers with an Estonian personal identification code, as electronic limitation measures are available to the customer in the self-service environment of the Tax and Customs Board. The customer cannot withdraw the statement specified in clause 6.2.2 until the deadline for setting the limit has expired.

6.7. OlyBet reserves the right to unilaterally restrict the use of all and/or individual products and services by the customer, including the right to unilaterally terminate the agreement concluded with the customer and close the customer’s user account without observing the notice period if the customer’s behaviour in the OlyBet gaming environment and/or the data disclosed by the customer indicates that the customer does not comply with the principles of responsible gambling and/or the customer may inflict damage on themselves by further gaming. OlyBet shall not be liable for any loss or damage incurred in connection with such a decision.

6.8. The user of the account is aware that the results of the games in the OlyBet casino and poker software have been decided by a random number generator and the user agrees to the results of all games.



7.1. The customer is entitled to make deposits and withdrawals using the payment methods offered on the OlyBet website. The customer can also make cash deposits and withdrawals to the OlyBet user account at selected Olympic Casino’s land-based casinos by presenting an identity document to an Olympic Casino employee. In case of withdrawal, the received cash must be checked at the cash register. Any later claims shall not be considered. For all deposits and withdrawals, OlyBet shall verify that the user account holder and the bank account holder or customer wishing to deposit or withdraw cash are the same person. If the user account holder and the bank account holder or the person wishing to deposit and withdraw cash are different persons, the transaction shall not be executed or OlyBet shall return the amount deposited to the user account to the person making the payment.

7.2. When making a deposit to the user account, OlyBet has the right to take additional action to identify the customer. OlyBet may perform additional operations when the cumulative sum of deposits and withdrawals for a period of 1 month is €2,000 or more, but OlyBet is entitled to perform such verification operations for even smaller amounts.

7.3. The customer may not treat OlyBet as a financial institution. For this reason, as well as pursuant to the Gambling Act, a withdrawal to a bank account other than the one from which the deposit was made to participate in the game is not allowed.

7.4. OlyBet reserves the right to apply a service fee if the customer requests a withdrawal from the user account without having a turnover of bets equal to or greater than the deposited amount.

7.5. OlyBet is entitled to apply different service fees to deposits and withdrawals by payment method.

7.6. OlyBet reserves the right to set minimum amount requirements for deposits and withdrawals.

7.7. Only winnings that comply with these Terms of Use are payable. OlyBet reserves the right to refuse to pay out winnings received in violation of the Terms of Use, in particular by using the tools specified in clause 3.7.

7.8. Winnings shall be transferred to the user account. The customer can initiate a withdrawal to the payment methods and bank accounts in the options under the user account. Bank accounts are added automatically when making a successful deposit from the bank account. Withdrawal is only made possible using the method used by the customer when making the deposit. The payment shall be made within five working days at the latest.

7.9. Information that appears on the screen as a result of a functional failure of the game software, electronic or mechanical failure, or manipulation of the game software is not a win for the game and is not subject to payment. If in such a case the winnings have been paid out either due to human error or technical error, OlyBet has the right to reclaim the winnings that have been paid out.



8.1. General Rules of Games of Chance

8.1.1. Games of chance are offered by OlyBet, but the software for games of chance comes from various game software manufacturers. For each game, the exact rules of the game are given, which are available in the game manual, which can be opened under the button marked “i”, “Info”, “?”, “Paytable”, or otherwise marked accordingly.

8.1.2. In some of the games of chance offered, customers have the opportunity to win additional prizes, because in these games a part of the bet is added to the prize pool (jackpot) every time the game is played. Jackpot winnings must be confirmed by OlyBet and the respective game software provider. All relevant decisions made by the organiser and the software provider of the respective game are final. The jackpot is paid out in the amount that the game manufacturer’s server recorded as the jackpot value at the time of winning the jackpot. OlyBet does its best to ensure that the jackpot value displayed in the game is the same as that of the game manufacturer’s server.

8.1.3. The software and hardware used to organise a game of chance in the game software ensure that the average amount of payouts made to customers as a result of the game is more than 80 percent of the sum of all bets.

8.1.4. The information displayed in the game software is a visual representation of the winning combination played out by the randomness generator. The winning combinations for all rounds of the game are stored in the database. If, for whatever reason, the customer is shown a visual image that does not match the entry in the database, the winning combination written in the database shall be taken as the basis.

8.1.5. The visual objects displayed in the game software (wheel of fortune, targets, etc.) are for illustrative purposes only and their sizes do not correspond to the probability of their occurrence.

8.1.6. Information that appears on the screen as a result of a functional failure of the game software, electronic or mechanical failure, or manipulation of the game software is not a win for the game and is not subject to payment.

8.1.7. Only winnings that are in accordance with the gaming rules, winning combinations and their payout table that are visible in the game software or on its screen shall be credited to the user account.

8.1.8. The maximum winnings offered in the game software depend on the specifics of the game and the manufacturer’s settings and are limited to €500,000 regardless of the number of bonus games or possible winning combinations displayed at that moment.

8.1.9. In case of more complex failures or suspicion of manipulation of the game software, the winning shall be transferred to the user account after the above circumstances have been excluded by the technical staff of the game manufacturer.

8.2. Poker Cash Games and Tournament Rules

8.2.1. The games offered in the poker software take place between customers, and the game operator only processes the distribution of cards and financial movements between customers. The game operator charges a service fee for this, which is called "fee" in tournaments and "rake" in cash games.

8.2.2. By registering for a poker tournament or joining a cash game table, the customer confirms that they have read and agreed to the detailed terms and conditions of use available in the poker software and in the footer of the OlyBet website.

8.2.3. All poker games use the prescribed game chips. Tournaments are played on tournament chips (points) that have no monetary value, and cash games are played on game chips (money) with a direct monetary value.

8.2.4. customers playing at one table are prohibited from exchanging information about the cards in hand by any means.

8.2.5. In case of suspected collusion, OlyBet reserves the right to deny the customer login access to the poker game software temporarily or permanently.



9.1. The customer relationship shall end primarily in the cases specified in this clause.

9.2. The customer has the right to terminate the agreement at any time and close the user account by submitting a corresponding request to OlyBet customer support. The customer support shall close access to the user account within 3 days of receiving the request.

9.3. OlyBet reserves the right to terminate the agreement at any time by giving at least 14 days’ notice. In this case, the funds in the customer’s user account will be transferred to the customer’s bank account within 3 business days.

9.4. OlyBet reserves the right to unilaterally terminate the agreement without notice for a justified reason (extraordinary termination).

9.5. A justified reason is, above all:

9.5.1. the emergence of grounds specified in clause 4.2 in the course of the customer relationship;

9.5.2. the circumstances referred to in clauses 5.3, 5.5 and 6.7;

9.5.3. the provision of false, incomplete and inaccurate data to OlyBet when establishing the identity of the person;

9.5.4. failure to inform about changes to the data contained in the agreement or in the documents submitted to OlyBet;

9.5.5. changes in the customer’s active legal capacity and/or passive legal capacity, in particular the customer’s death or limitation of active legal capacity;

9.5.6. termination of the agreement is required by an Estonian or foreign supervisory authority or other competent authority;

9.5.7. the customer demands the termination of the processing of their personal data or restriction of the processing thereof, and in OlyBet’s opinion, OlyBet’s right to process the customer's personal data in accordance with these Terms of Use and/or the Privacy Policy is the prerequisite for providing the service to the customer;

9.5.8. another reason, due to which it is not possible to continue the customer relationship based on the law or the interests of OlyBet.



10.1. The customer has the right to submit a complaint about the activities of OlyBet or the use of the service by contacting the [email protected] via e-mail. OlyBet shall immediately accept the complaint and respond within 15 calendar days at the latest. If it is not possible to resolve the complaint within the given time limit due to its complexity or other compelling reasons, OlyBet shall inform the customer of the reasons for the extension of the procedure and of the additional deadline for replying.

10.2. If OlyBet does not resolve the complaint in a way acceptable to the customer, the customer has the right to turn to the Consumer Protection and Technical Regulatory Authority or the Tax and Customs Board with their complaint.

10.3. These Terms of Use are governed by Estonian law.