Terms & Conditions

These Terms and Conditions ("Terms") govern your relationship with Co-Gaming Limited as the operator of the Casino Stugan online casino made available through the website https://cazinostugan.bet (including any United Kingdom-facing informational version referred to as "Casino Stugan"). These Terms are effective from 6 November 2025 and replace all previous versions.

Definitions

Operator means Co-Gaming Limited, a company licensed by the Malta Gaming Authority under licence MGA/CRP/178/2009 and by the Swedish Gambling Authority, and formerly licensed by the UK Gambling Commission under licence 039225-R-319317-020 (surrendered with effect from 28 February 2020).
Website means the online gambling site operated by the Operator at https://cazinostugan.bet, including any mobile or localized versions, mirrors, and subdomains, such as the informational United Kingdom variant referred to as "Casino Stugan".
Brand means "Casino Stugan", the online casino brand offered exclusively in connection with the Website operated by the Operator.
User or Player means any natural person who accesses the Website, creates an Account, or otherwise uses the services, whether or not he or she places a Bet.
Account means a personal, single-player online gambling account opened by a User with the Operator through the Website.
Games means all casino, slot, live dealer, and other gambling products made available on the Website from time to time.
Bet or Wager means any stake, stake combination, or gambling transaction placed by a User on the Games via the Account.
Bonus means any funds, free spins, free bets, cashback, or other promotional value credited to an Account by the Operator that is subject to specific conditions, including Wagering Requirements.
Wagering Requirements means the amount that must be wagered using Bonus funds, or associated real-money balance, before Bonus-related winnings become withdrawable.
Promotion means any offer, bonus campaign, loyalty scheme, or tournament made available by the Operator via the Website.
Permitted Jurisdiction means a country or territory in which the Operator is lawfully entitled to offer the Games under its licences (for example, Malta and Sweden and such other jurisdictions that accept MGA-licensed operators).
Prohibited Jurisdiction means any country or territory where the Operator does not hold the necessary licence or where offering or using the services would be unlawful, including, as of 2025, Great Britain (England, Scotland, and Wales) and Northern Ireland.
KYC (Know Your Customer) means the identity, age, residence, and source-of-funds verification procedures the Operator is legally required to carry out.
AML/CTF means anti-money-laundering and counter-terrorist-financing legislation and regulations applicable to the Operator.

Account Registration

Eligibility

Age and capacity: You may only open an Account if you are at least 18 years old (or older where the law of your jurisdiction sets a higher minimum age for online gambling), have full legal capacity, and are acting on your own behalf.
Jurisdictional restrictions: You may not register or use an Account if you are resident in, located in, or accessing the Website from a Prohibited Jurisdiction, including Great Britain and Northern Ireland. As of 2025, the Operator does not hold an active licence from the UK Gambling Commission, and no gambling services on cazinostugan.bet are offered or made available to Players in Great Britain or Northern Ireland.
One account only: You may hold only one Account with the Operator. Creating multiple, shared, or third-party Accounts is strictly prohibited.

Registration Process

Information required: To create an Account, you must complete the online registration form and provide accurate and complete information, including your full name, date of birth, country of residence, address, and contact details.
Email and identity confirmation: You must verify your email address and, where requested, your mobile number by following the instructions sent to you. The Operator may refuse or delay activation of your Account until verification is completed.
Truthfulness of data: You confirm that all information supplied is true, accurate, and up to date, and you agree to promptly update any information that changes. Providing false information may result in suspension or closure of your Account, voiding of Bets, and forfeiture of Bonuses.

KYC and Verification

Mandatory checks: The Operator is required under MGA, Swedish, and other applicable regulations (including AML/CTF rules) to verify your identity, age, residence, and, where appropriate, source of funds or wealth. This may include checks at registration, before withdrawals, and at any time during the lifecycle of your Account.
Documents: You may be asked to provide, among other things, a government-issued photo ID, proof of address, payment method documentation, and evidence of source of funds. The Operator may use third-party databases and verification tools to perform these checks.
Consequences of non-compliance: If you do not provide requested information or documents that are satisfactory to the Operator within the requested timeframe, the Operator may suspend or close your Account, cancel Bonuses, and withhold withdrawals in accordance with applicable law.

Account Security and Management

Login details: You are responsible for keeping your username, password, and other security credentials confidential. You must not share them with any third party.
Unauthorised access: You must notify the Operator immediately if you suspect that your Account has been compromised or used by an unauthorised person. Until such notification is received and acknowledged, all activity on your Account will be treated as your own.
Inactive accounts: If your Account is inactive for a prolonged period, the Operator may treat it as dormant, subject to applicable regulations. Specific rules regarding dormant accounts and any maintenance fees will be set out on the Website.

Betting & Gameplay Rules

Placing Bets

Bet acceptance: A Bet is considered placed and accepted once it is registered on the Operator's servers and appears in your transaction history. If a discrepancy arises between the outcome displayed on your device and that recorded by the Operator, the Operator's records will prevail, subject to applicable regulatory oversight.
Minimum and maximum stakes: Each Game may impose minimum and maximum Bet limits. You must ensure that any Bet you place complies with these limits. The Operator may change limits from time to time or impose individual limits on your Account.
Funding of Bets: You may place Bets only with funds that are available in your Account (real-money balance or, where allowed, eligible Bonus funds). Bets placed beyond your available balance will not be accepted.

Game Rules and Priority

Game-specific rules: Each Game is governed by its own rules and payout tables, which are accessible via the Game interface. By placing a Bet, you agree to be bound by the specific Game rules.
Order of precedence: In the event of any conflict between these Terms and the relevant Game rules, the Game rules will normally prevail for the purposes of determining the outcome of a Bet, while these Terms govern the broader contractual relationship.
Fairness: The Operator uses certified random number generators (RNGs) and duly licensed game providers. Independent testing and regulatory oversight may apply in the Operator's active jurisdictions (including the MGA and Swedish licences).

Errors, Malfunctions, and Cancellations

Obvious errors: If a Bet is accepted or settled at odds or conditions that are clearly incorrect or due to manifest technical or human error, the Operator may declare the Bet void or amend the settlement to the correct terms, acting reasonably and in accordance with applicable regulations.
Technical failures: If a Game malfunctions or a systemic failure occurs (for example, loss of connectivity, hardware or software issues, or corruption of data), all affected Bets may be voided and stakes refunded, or re-settled based on the correct outcome as recorded on the Operator's systems.
User interruptions: In the event your connection is lost during a Game, the result may still be completed on the Operator's servers. The outcome recorded in the Operator's systems will be decisive, and any associated balance adjustments will be reflected in your Account.

Conduct and Prohibited Behaviour

Fair play: You must not use any strategy or technology that manipulates or seeks to exploit vulnerabilities in the Games or the Website, including but not limited to bots, automated betting software, or advantage-play that is expressly prohibited in the Game rules.
Collusion and fraud: Collusion with other Players, fraudulent activity, money laundering, and other illegal conduct are strictly prohibited. The Operator may suspend or close Accounts, void Bets, and report suspicious activity to relevant authorities.
Chat and live casino conduct: Where chat or live interaction features are available, you must not post offensive, abusive, defamatory, racist, or otherwise inappropriate content. You must not promote other websites, solicit funds, or harass staff or other Players. The Operator may remove content, restrict chat access, or exclude you from Games in case of violations.

Bonus Terms

General Bonus Conditions

Promotional terms: Each Bonus or Promotion is subject to specific terms and conditions, which are displayed on the Website or communicated directly to you. These specific terms apply in addition to these general Bonus Terms and will prevail in case of conflict.
Eligibility: Bonuses may be limited to certain Players, markets, or payment methods and may not be available in all Permitted Jurisdictions. No Bonus or Promotion is offered to, or may be claimed by, Players resident in or accessing the Website from Great Britain or Northern Ireland as of 2025.
Bonus activation: Unless stated otherwise, a Bonus is activated when it is credited to your Account or when you opt in through the relevant promotional mechanism.

Wagering Requirements and Use of Bonuses

Wagering: Bonuses and any winnings derived from them are subject to Wagering Requirements, which will be specified for each Promotion (for example, 30x or 40x the Bonus amount). You must meet these requirements within the indicated timeframe (for example, 30 days from crediting, unless a different period is specified) before Bonus-related winnings become withdrawable.
Game contribution: Different Games may contribute differently towards Wagering Requirements. For example, slots may contribute 100%, while table Games and live casino may contribute a lower percentage or be excluded. Contribution tables will be provided in the relevant promotional terms.
Stake limitations: During an active Bonus, maximum Bet limits may apply (for example, a maximum stake per spin or game round). Exceeding these limits may constitute Bonus abuse and lead to forfeiture of the Bonus and winnings.

Prohibited Actions and Bonus Abuse

Abuse patterns: The Operator reserves the right to withhold, cancel, or reclaim Bonuses and related winnings if it reasonably believes that you have engaged in Bonus abuse. Examples include low-risk betting, equal betting on different outcomes, or collusion to meet Wagering Requirements in a way that defeats the promotional intent.
Multiple accounts and identities: Creating multiple Accounts, using joint wallets, or misrepresenting your identity or jurisdiction in order to receive multiple Bonuses or circumvent restrictions is strictly prohibited and may result in Account closure.
Combining promotions: Unless explicitly allowed, Bonuses and Promotions cannot be combined. Only one active Bonus may apply to your Account at any given time, and wagering may be allocated in the sequence determined by the Operator.

Cancellation and Expiry

Bonus cancellation: You may, in some cases, cancel an active Bonus, in which case any remaining Bonus funds and associated winnings may be forfeited, while your remaining real-money balance will normally remain unaffected.
Expiry: Bonuses may expire if Wagering Requirements are not met within the specified timeframe. Upon expiry, Bonus funds and related winnings will be removed from your Account.

Payments & Withdrawals

Deposit Methods and Conditions

Payment methods: The Operator may make available various deposit methods, such as debit cards, bank transfers, prepaid vouchers, and supported e-wallets. In some Permitted Jurisdictions and where lawful, selected virtual currencies or other alternative methods may be accepted. The list of available methods is published on the Website and may change from time to time.
Ownership of funds: You may only deposit funds from payment instruments that are registered in your own name. Deposits from third parties, business accounts, or unverified sources may be refused or reversed.
Credit restrictions and UK note: The Operator does not accept deposits from Players in Great Britain or Northern Ireland and does not intend to offer remote gambling services to those territories as of 2025.

Withdrawals

Withdrawal processing: Withdrawals are generally processed to the same payment method used for deposit, where technically feasible and permitted by law and payment processor rules. The Operator may impose minimum and maximum withdrawal limits per transaction or per period.
Verification prior to payout: The Operator may require completion of KYC/AML checks and verification of your payment methods before approving any withdrawal. Failure to provide requested documentation may lead to delays or cancellation of withdrawals.
Processing times: Indicative processing times for each payment method are provided on the Website (for example, internal approval within a few business days, plus third-party banking times). The Operator is not responsible for delays caused by your bank or payment provider.

Fees, Limits, and Currency

Fees: The Operator may charge fees for certain transactions, such as currency conversion, bank transfers, or repeated withdrawals within a short period. Any applicable fees will be disclosed on the Website or at the point of transaction.
Limits: The Operator may set or adjust deposit, Bet, and withdrawal limits for regulatory, risk-management, or responsible-gambling reasons, including limits requested by you.
Currency: Your Account will operate in one or more currencies supported by the Operator. Currency conversions will be performed at the rate used by the Operator or its payment providers and may include a conversion margin.

Refunds, Chargebacks, and Irregular Transactions

Refund policy: Deposits are not generally subject to refunds, except where required by law or where a clear error has occurred. The Operator may void Bets and return stakes in case of technical failures or regulatory reasons.
Chargebacks: You must not request or initiate chargebacks from your bank or payment provider without first contacting the Operator. Unjustified chargebacks may result in suspension or closure of your Account, recovery of costs, and reporting to relevant authorities.
Irregular usage: If the Operator suspects that your Account or payment methods are being used for purposes other than gambling on the Website (for example, as a money-transfer facility), it may cancel transactions, close your Account, and report your activity to regulators and law enforcement.

Limitation of Liability

Operator's Obligations

Reasonable care: The Operator will provide the Website and Games with reasonable skill and care, consistent with its regulatory obligations under the Malta Gaming Authority and other relevant licences, and will use reasonable efforts to ensure that the Website operates in a fair and secure manner.
Accuracy of results: Game outcomes are determined by RNGs or game mechanics provided by licensed suppliers. The Operator will take reasonable steps to ensure that outcomes are recorded correctly in its systems and, where discrepancies arise, will investigate and correct errors where appropriate.
Regulatory compliance: The Operator will comply with applicable regulatory requirements in its active markets. As of 2025, the Operator does not hold an active UK Gambling Commission licence, and no representation is made that the services comply with UK remote-gambling licensing requirements for Players in Great Britain.

Exclusions and Limitations

No guarantee of uninterrupted service: The Website and Games are provided on an "as is" and "as available" basis. The Operator does not warrant that access will be uninterrupted, error-free, or free of viruses or other harmful components.
Technical and third-party issues: The Operator is not liable for any loss or damage arising from failures or delays caused by your internet service provider, hardware or software, or by third-party service providers (including payment processors and telecommunications providers).
Maximum liability: To the fullest extent permitted by law, the Operator's total aggregate liability to you arising out of or in connection with your use of the Website, whether in contract, tort, or otherwise, is limited to the lesser of (i) the amount of your net losses on the Website over the 30 days preceding the event giving rise to the claim and (ii) the amount of the Bet or transaction directly concerned.
Excluded losses: The Operator is not liable for any indirect, consequential, special, or punitive damages, including loss of profits, loss of data, or loss of opportunity, even if reasonably foreseeable.
Consumer rights: Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including mandatory consumer protection laws that may apply to you.

Intellectual Property Rights

Ownership: All intellectual property rights in the Website, including its design, layout, software, databases, text, graphics, logos, trade names, and the "Casino Stugan" brand, are owned by or licensed to the Operator and/or its group companies and licensors.
Limited licence: You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for your personal, non-commercial entertainment purposes only, in accordance with these Terms.
Prohibited use: You may not copy, reproduce, modify, adapt, distribute, publicly display, translate, decompile, reverse engineer, or otherwise use any part of the Website or its content without the prior written consent of the Operator, except as expressly permitted by applicable law.
Third-party content: Game providers' names, logos, and content are used under licence and remain the property of their respective owners. No rights are granted to you in respect of such content except the right to use it in connection with lawful participation in the Games.

Privacy & Data Protection

Privacy Policy: The collection, use, storage, and sharing of your personal data are governed by the Operator's Privacy Policy as published on the Website and as amended from time to time. You should review the Privacy Policy carefully before registering an Account.
Data controller and legal basis: Co-Gaming Limited, with its registered legal address at 3rd Floor, Spinola Park, Triq Mikiel Ang Borg, St. Julians, SPK1000, Malta, acts as data controller of your personal data and processes such data in accordance with applicable data-protection laws, including the EU General Data Protection Regulation and any equivalent UK data-protection laws, where relevant.
Regulatory and AML obligations: The Operator may process and retain personal data, as well as share information with regulators and law-enforcement authorities, in order to comply with its legal and regulatory obligations, including AML/CTF requirements.
Rights: Your rights in relation to your personal data, including rights of access, rectification, deletion, and restriction, as well as complaint mechanisms, are described in detail in the Privacy Policy.

Changes to Terms

Right to amend: The Operator may update or amend these Terms from time to time, for example to reflect changes in law, regulatory guidance, technical developments, or the Operator's business practices.
Notification: Where changes are material, the Operator will take reasonable steps to notify you, which may include posting a prominent notice on the Website, displaying an in-account message, or, where appropriate, sending an email to the contact address registered to your Account.
Effective date of changes: Unless otherwise required by law or regulatory rules, amendments will take effect on the date specified in the updated Terms published on the Website, which will not be earlier than the date of publication.
Your acceptance: By continuing to use the Website after changes take effect, you are deemed to have accepted the updated Terms. If you do not agree with the changes, you must stop using the Website, close your Account, and, where permitted, withdraw any remaining real-money balance, subject to any outstanding verification or legal obligations.

Termination & Suspension

Termination by You

Account closure: You may close your Account at any time by following the instructions on the Website or by contacting customer support (using the contact methods made available from time to time). Closure is subject to settlement of any outstanding Bets and completion of necessary verification and regulatory checks.
Withdrawal on closure: Upon closure, you may, where permitted and subject to AML/CTF obligations, withdraw any remaining real-money balance. Bonuses and associated winnings that have not met the relevant Wagering Requirements may be forfeited.

Suspension and Termination by the Operator

Grounds for action: The Operator may suspend or close your Account, block access to the Website, or withhold funds where it has reasonable grounds to believe that you have breached these Terms, engaged in fraud or illegal activity, failed KYC/AML checks, initiated chargebacks, or are located in a Prohibited Jurisdiction (including Great Britain and Northern Ireland as of 2025).
Regulatory requirements: The Operator may also suspend or terminate services in order to comply with applicable laws or orders from regulators or law-enforcement authorities, including where continued operation in a particular jurisdiction becomes unlawful or impracticable.
Effect on balances: In the event of termination, and subject to any rights to void Bets or confiscate funds in cases of fraud, money laundering, or serious breach of these Terms, the Operator will, where lawful, pay out any remaining real-money balance to you. Bonus funds and associated winnings may be cancelled.

Notice and Consequences

Notification: Where lawful and practical, the Operator will notify you of the reasons for suspension or termination via email or in-account messaging. However, it may be prohibited from providing detailed reasons in certain regulatory or AML/CTF scenarios.
Self-exclusion and responsible gambling: If your Account is closed or suspended due to responsible-gambling measures or self-exclusion, you must not attempt to open a new Account. The Operator may use technical and procedural measures to prevent self-excluded individuals from re-registering.

Governing Law & Jurisdiction

Governing law: Except where otherwise required by mandatory consumer protection laws of your country of residence, these Terms and your relationship with the Operator are governed by the laws of Malta.
Jurisdiction: Any dispute arising out of or in connection with these Terms, your Account, or your use of the Website will be subject to the jurisdiction of the courts of Malta, without prejudice to any mandatory right you may have to bring proceedings in the courts of your country of residence.
Regulatory context and UK note: As of 2025, the Operator's former UK Gambling Commission licence (039225-R-319317-020) is recorded as surrendered, and the Operator does not provide regulated gambling services to residents of Great Britain. Any access by UK-based individuals to casinostugan.bet or to Casino Stugan is intended for informational purposes only and must not involve the placing of Bets or use of real-money gambling services.
Alternative dispute resolution: Where required under applicable regulations, the Operator may make an independent alternative dispute resolution (ADR) entity available for unresolved disputes. Details of any such ADR body will be provided on the Website.

Contact Information

Operator details: The gambling services associated with the Casino Stugan brand on https://cazinostugan.bet are provided by Co-Gaming Limited, which holds an active licence from the Malta Gaming Authority (MGA/CRP/178/2009) and a licence from the Swedish Gambling Authority, and which formerly held, but has surrendered, UKGC licence 039225-R-319317-020.
Legal address: Co-Gaming Limited, 3rd Floor, Spinola Park, Triq Mikiel Ang Borg, St. Julians, SPK1000, Malta.
Support and legal contact: Contact channels (such as email support, live chat, or web contact forms) are provided from time to time on the Website under the "Contact" or "Support" section. As of the effective date of these Terms in 2025, no specific phone number or email address is specified in the source data; you should therefore refer to the contact details published on the Website for the most current information.
Regulator information: Information about the Operator's MGA licence can be found via the Malta Gaming Authority's official licence register. Historical information about the surrendered UKGC licence is available via the UK Gambling Commission's public register and is provided for transparency only, not as evidence of current UK authorisation.