1.1
As a condition of your opening an account with us and using any products or services provided by us, you warrant and represent to all the members of the Gala Coral Group that you are over the age of 18 and have the mental capacity to take responsibility for your own actions and can enter into a legally binding agreement with us. You are reminded that it may be an offence for you to participate in gambling if you are under 18 years of age. If you are located in the United Kingdom and under 18 years of age, you are committing an offence if you use our services.

1.2
It is your responsibility to ensure compliance with your applicable local or national laws before registering with us and/or before dealing with us. Our services are only available to those individuals who are residents in those countries listed in the “Country” dropdown menu on the registration form and which accepts a registration to occur.

1.3
We do not accept any responsibility to you for your breach of any applicable local or national laws. You acknowledge that there may be specific laws in your country, place of residence, or the place where your bets or wagers are placed, which prohibit betting and/or gaming (collectively, “gambling”). You warrant to us that you will not access our Websites from within a jurisdiction that prohibits such gambling. Further, you warrant to us that you will not access or register on any of our Websites, at any time, if you are a citizen of a nation state that prohibits its citizens from participating in gambling (regardless of their location). We reserve the right, for whatever reason and at any time, to close your account or suspend access to our websites for Customers who are found to be in breach of this requirement. We also reserve the right to block any territory for any reason.

1.4
You agree that using our Websites whilst located within the United States (and its territories and dependencies) and any other jurisdiction in which it is unlawful to use our Website or from where we have restricted access to our Website is strictly prohibited and that no winnings shall be paid to you in respect of any products or services used whilst you are located within the United States or any such other jurisdiction. We have the right to terminate your account and refuse any and all current or future bets or game play if we suspect or know that you have played on our websites whilst located within the United States or any such other jurisdiction in which it is unlawful to use our website or from where we have restricted your access.

1.5
You understand that by using our products and services you may lose money and you accept full responsibility for such losses.

1.6
Customers are not required to participate on any of our products or services and such participation if elected by a customer is at the customer's sole option, discretion and risk. The use of any software (whether electronically obtained or obtained by other means) on our Websites is automatically void if counterfeited, mutilated, forged, altered or tampered with in any way, if illegal, mechanically or electronically reproduced, obtained outside authorized legitimate channels or if they contain printing, production, typographical, mechanical, electronic or any other errors. No winnings shall be paid if we have reasonable suspicion to believe that such activity has occurred. Errors due to the computer hardware or internet connection are the sole responsibility of the customer.

2.1
To have access to our products or services, you must open a deposit account. Customers may bet up to the amount deposited in their account as we do not operate credit accounts. Funds held in your account shall not entitle you to interest which we are entitled to retain. We do not hold Customer funds separately from our corporate funds and they are not subject to any specific trust arrangements.

2.2
Only one account is permitted per person. We reserve the right to close duplicate accounts, and to make void any bets placed in duplicate accounts.

2.3
By opening an account with us you will be able to use all the Websites. By accepting these Terms and Conditions you also accept the Terms and Conditions located on those Websites (which may include Specific Rules by which you are to be bound) and consent to the transferring of monies from within your account to enable you to participate in other products and services we offer to the extent you wish to do so. When you move between the Gala Coral websites and where you subsequently opt to use our additional products and services you accept the corresponding Specific Rules for the relevant betting or gaming product.

2.4
When you first deposit, you are entitled to set a deposit limit. These facilities are made available to you in accordance with our Responsible Gambling policy and you need to follow the procedure set out therein.

2.5
We will take all reasonable precautions to ensure your deposit limit is observed but we are not liable to you if you circumvent our procedures and top your account up with funds exceeding your limit.

2.6
In the event that a sum is mistakenly credited to your account we shall be entitled to make the appropriate adjustment to it.

2.7
In the event that a sum is mistakenly credited to your account, and this money is withdrawn, then you must reimburse to us this money on request and we are entitled to set-off any subsequent amounts you deposit with us to satisfy this liability.

3.1
When deciding whether to accept your registration, we may supply the information you have given us to authorised credit reference agencies to confirm your identity and card details. They will check any details we disclose to them against any databases (public or private) to which they have access and will keep a record of that check. You agree that we may process, use, record and disclose personal information which you provide in connection with your registration and that such personal data may be recorded by us or them. For your protection, any telephone calls to our Customer Service Centre may be recorded and monitored.

3.2
We will not open an account unless we believe, acting reasonably, that you are 18 years or over. It is illegal in the UK for anyone to facilitate gambling with anyone aged under 18 and if you are under 18 and in the UK you will be guilty of a criminal offence.

3.3
We are entitled to verify any information you give us when you open an account to ensure you are over the age of 18 and we may ask you to provide us with proof you are over 18. You will not be able to withdraw any winnings until our verification process has been satisfactorily completed. In any event, if you have failed to satisfactorily complete our age verification checks within 72 hours of you registering a relevant bank card and placing your first bet or wager, we are entitled to freeze your account, prevent you from gambling any further until you have satisfactorily completed these checks and, if upon completion of age verification you are ultimately shown to be underage, we will return all stakes to you but are under no obligation to pay any winnings.

4.1
When opening an account, Customers choose a username and password that will be used to access their account. These should be kept secure. Customers can change their password at any time via the Account Options menu. Customers can choose to select a PIN, this will be used when making a deposit or withdrawing funds from an account. The PIN can also be changed or deactivated by the Customer at any time.

4.2
The Customer is responsible for the secrecy of his/her own Username, Password and PIN. Bets or wagers placed by third parties aware of these details will be considered valid.

4.3
It is your sole responsibility to ensure that all information supplied to us by you is accurate and up-to-date and that it remains so. We are entitled to assume it is.

4.4
You will not allow any other person or third party (including, without limitation, any minor) to use your account or accept any prize on your behalf. If you think your account may be accessed by a minor we would ask you to be vigilant, keep your password and pin code safe and contact us to enquire about filtering software that will be compatible with the Company’s Websites.

5.1
We offer several different methods for making a deposit or a withdrawal from an account. Details on the payment options currently offered and any charges associated are included in the HELP section.

5.2
When opening an account with a debit or credit card, you must make sure that you use your own card. We are entitled to assume that you are. The maximum number of cards that may be registered on any individual account at any given time is one.

5.3
As well as any other verification processes we may undertake, any account holders depositing from debit and credit cards may be required to provide additional proof of identity to assist with age verification before making their first withdrawal. We refer you to section 3 of these General Terms and Conditions which explains more about age verification. Whilst these additional checks are not generally required for credit card users, we reserve the right to request such documentation prior to processing a withdrawal, should circumstances dictate. Therefore, should the circumstances dictate, we reserve the right to request specific proof of identity in the form of, including but not limited to: passport number, photocopy of a valid identity document, utility bill or header of a recent card statement.

5.4
These documents must be mailed, scanned and e-mailed or faxed to us at the address and numbers provided on the Contact Us page in the HELP section.

5.5
If any sum is incorrectly credited to your account you are obliged to notify the Company, and the Company is entitled to reverse such credits and/or recover such sums from you (with interest) if withdrawn. If you use the sums improperly credited to place bets, the Company can void (i.e. cancel) all such bets and reverse any winnings.

5.6
By default, we hold deposits in the Sports Betting section of your account. We allow you to move seamlessly between products, but when you wish to play either Casino, Bingo, Poker or Games, you will need to transfer funds from the Sports Betting section of your account. Furthermore, any winnings must be transferred back to the Sports Betting section of your account before a withdrawal can be requested. Customers may withdraw funds from their account at any time providing all payments have been confirmed and provided Customers have satisfied our identification procedures. As from the 15 December 2007, you might be requested to contact Customer Services if you wish to deposit or withdraw more than the equivalent of 3.000 Euros in aggregate (or the equivalent) in any 24 hour period from our gaming and casino cashier wallets.

5.7
When you win using our products or services, you may be legally obliged to account to the relevant tax authorities. This remains your responsibility and we are not liable to account to any such authority for any of your personal taxes.

5.8
We do not charge for deposits by bank transfer, debit or credit cards although Customers should note that some credit card companies categorise betting transactions as ‘cash’ and may levy a fixed and/or interest charge from the date of payment.

5.9
Withdrawals to UK debit and credit cards and via bank transfer to UK bank accounts are also free of charge to Customers (we absorb these).

5.10
Where Customers make repeated deposits and withdrawals without commensurate play, we reserve the right to pass associated bank charges on to you by debiting your account but will provide you with advance notice before doing so to enable you to cease such activity.

5.11
Withdrawals via bank transfer to International bank accounts (deposits and withdrawals) attract bank charges, which may vary according to the amount of money transferred and are met by the Customer.

5.12
We reserve the right to charge a reasonable commission on any currency exchanges taking place where, in our opinion, an appropriate level of gameplay has not occurred so the Customer is deemed to be abusing exchange rate fluctuations. Our currency exchange rates are calculated in accordance with the daily rates set out in the Financial Times.

6.1
In certain circumstances, we may need to freeze the monies in your account such that such funds will be temporarily unavailable for you to play with. We will do so where we have reason to believe that your account may be being used for fraudulent purposes, for the purposes of money laundering or in such a way as to jeopardise the integrity of the sports or events on which we offer betting markets. Until our investigations are completed and until we are satisfied that the cause of our concerns no longer exists we may continue to freeze the account or opt to close it. We can also freeze or close your account (as we can determine at our discretion) if we believe you are involved in collusion, match rigging or cheating of any kind or if we have reason to believe you are under 18 years old or in a jurisdiction (or citizen of a jurisdiction) that renders the provision of our products or services to you or your use of them illegal. In such event we reserve the right to supply such Customer details to any relevant authority so as to assist with a proper investigation.

6.2
We reserve the right to close a Customer's account at any time. We will give you reasonable notice before doing so, unless circumstances dictate that we legally or practically cannot do so.

6.3
The Customer has the right to close an account at any time, providing their account does not show a balance is due to us. A Customer should indicate his desire to close an account in writing, via e-mail, fax or letter, using our Contact Us section.

6.4
In this case, the Customer shall be sent the sum on deposit in his/her account by a method of payment determined by us. Should the Customer have placed bets, the outcome of which is as yet unknown, and which subsequently win, the corresponding sums shall be sent later when the bet is completed.

6.5
It is agreed by the Customer that charging back any deposited funds shall be considered a breach of this agreement and entitle us to close its account and terminate our relationship.

7.1
If you have not logged into your account or otherwise not accessed or used it for a continuous period of one hundred and sixty-eight (168) day your account shall deemed to be dormant. Similarly if we have frozen your account for the reasons given in the preceding section for such a period it shall be considered dormant. If your account becomes a dormant account and there is a credit balance on the account, then we will use all reasonable endeavours to contact you to determine your wishes in respect of those unutilised funds.

8.1
We use secure technology to protect the information Customers submit to the website. We are endorsed by BT Trustwise and Verisign. Read our full Security Policy.

9.1
Promotional offers and bonuses in relation to all our products are subject to specific terms and conditions which, in the event of any ambiguity, will take precedent over these General Terms and Conditions.

9.2
Promotional offers and bonuses relating to the opening of an account are limited to one per Customer. In the case of a Customer opening more than one account, we reserve the right to suspend and close duplicate accounts, and make void any bets placed.

9.3
Subject to the terms of our privacy policy we reserve the right to send particular promotions to particular players. Promotional offers are intended for the addressed recipient only and cannot be transferred. If you are not the intended recipient, then the offer is null and void.

9.4
Unless otherwise stated in the promotion’s specific terms and conditions, promotions and bonuses may not be used in combination with any other promotions or bonus schemes.

9.5
All cash withdrawals are subject to audit before processing. We reserve the right to reclaim bonus amounts or any winnings for failed audits.

9.6
Promotional offers and bonuses may be cancelled, terminated, modified or suspended and may only be available for specific periods and on certain specific terms. You must ensure that the promotion you are interested in is still available, that you are eligible, and that you understand any terms which apply to it.

9.7
Certain release requirements or withdrawal restrictions must be satisfied before bonus amounts can be played or withdrawn. These restrictions or requirements are contained in the offer itself and/or in the promotion’s specific terms and conditions.

10.1
Our Websites do not accept bets or wagers by telephone or email.

10.2
UK customers may like to know that Coral operates a separate Telephone betting operation available on 0800 242 232.

11.1
The normal hours of work for the sports trading department are 9.00 am to 11.00 pm Monday to Saturday and 10.00am to 10.00pm on Sundays. Outside of these hours some events and betting opportunities may not be available.

11.2
Outside of these hours limits will be applied to the size of bets we are willing to accept. These limits may vary according to the sport, the event, the selection or our betting liability.

11.3
Subject to the Liability section of these Terms and Conditions, our Websites are available 24 hours, 7 days a week.

12.1
You may bet up to the amount deposited on your account. We do not operate credit accounts. When a bet or wager is placed and accepted, the corresponding amount is charged against your deposit account.

12.2
The Customer is obliged to check that the bet instructions he/she submitted are correct before confirming the bet. We reserve the right not to accept, or accept only a part of any bet. We reserve the right to propose a different stake size or price for the selection on any bet.

12.3
At all times, where there is any disagreement as to the details of the bet or wager staked, our records shall prevail.

13.1
A bet or wager is deemed to be valid only following electronic confirmation of acceptance. Only then is it lodged in our server. This acceptance is demonstrated with the generation of a Bet Identification Number or, in the case of poker, a Hand Identification number. The only exception to this is in the case of Tote Pool betting, where a Bet Identification Number is generated at the time the bet is submitted to the Tote Pool and acceptance is only confirmed once the status of the bet has changed from ‘pending’ to ‘running’ in the client’s List of Bets. Any Tote Pool bet that has not been officially transmitted into the Tote Pool in accordance with the above will be deemed void.

13.2
We reserve the right to refuse all or any part of a bet offered to us, void any accepted bets and withhold settlement if we have reason to believe:

• You are under 18 years of age;
• You are involved in fraud, money laundering, collusion, match rigging or cheating of any kind;
• You are in a jurisdiction (or citizen of a jurisdiction) that renders the provision of our products or services to you or your use of them illegal; or
• a bet or wager may breach the governing rules of the relevant sport or event in question or jeopardise the integrity of the sport or event in question.

13.3
Where we have taken the steps to void a bet or wager for one of the above reasons, your actions leading to that shall be considered a breach of these Terms and Conditions and entitle us to terminate our relationship with immediate effect. In such circumstances we may use the monies we hold in your account in order to settle any liabilities we may incur as a result of your actions.

13.4
Gambling is a fast moving environment, odds move rapidly and bets are taken continuously and consequently mistakes do occasionally occur. We do all that we can to avoid this but we cannot accept responsibility for any obvious errors or omissions in respect of the announcing, publishing or marking of prices, the late closing of markets, place terms, handicaps, runners or results despite our every effort to ensure total accuracy. If a bet is accepted in error by us at a price or market condition, as indicated above, that is:

• Materially different from those available in the general market at the time the bet was made; or
• So obviously incorrect given the relative probability of the event occurring at the time the bet was made; or
• So obviously incorrect having regard to the nature of the betting business or the market in question (including if we erroneously accept a bet after the event in question has commenced (unless it is an in-running bet),

then we will not pay winnings higher than those that would be paid under the price available in the general market and we will either settle the bet at the correct price or on terms available with us or, on condition that you can provide us with verification, at the best price or on the best terms available with any of the following companies at the time the bet was struck: Ladbrokes, William Hill, Totesport or Betfred.

14.1
When placing bets on your account via links from other sites (eg odds comparison), it is your responsibility to ensure that the details of the bet being submitted for acceptance are as actually intended.

14.2
Where a bet is accepted as a result of an incorrect link or incorrectly displayed price from such a site, the bet will be settled in accordance with the event for which it was actually accepted (as identified in your List Of Bets), unless cancelled by mutual consent prior to the start of the event.

15.1
In this section of our Terms and Conditions a "complaint" means a complaint about any aspect of our conduct in relation to your dealings with us and a "dispute" means any complaint which is not resolved through the Complaints Procedure and which relates to the outcome of a gambling transaction. All disputes are dealt with under our Dispute Resolution Policy. Complaints will not be heard by us if they are not raised with Customer Services within 12 weeks of the event which the bet related to occurring.

15.2
In relation to all complaints or disputes, we reserve the right to record all telephone and e-mail communications with you and any other person. In the event of a dispute as to the contents of any such communication, reference will be made to such records and to our transaction database which, in the absence of any contrary evidence, shall be decisive.

15.3
It shall be a condition of your agreement with us that any complaints and disputes are and remain confidential both whilst we seek a resolution and afterwards. You agree that you shall not disclose the existence, nature or detail of any complaints and disputes to any third party (which shall include the discussion of any such any complaints and disputes in any chat room or forum offered by ourselves or any third party). If you do so, that shall be considered a breach of the Terms and Conditions and we will no longer be obliged to continue seeking a resolution to your complaint and dispute and shall be entitled to freeze (and potentially close) your account.

Complaints Procedure

15.4
We take complaints seriously. If you have any cause to complain about anything that has happened as a consequence of your dealings with us, you should notify us by contacting Customer Services. We will then give you a name and status of one of our Customer Support advisers who will oversee the management of your complaint. We will deal with your complaint as quickly as we reasonably can and shall, as necessary, request appropriate evidence from you for the purposes of settling your complaint.

Dispute Resolution Policy

15.5
If a complaint is not resolved to your satisfaction by the use of our Complaint Procedure, you may refer the matter to an independent adjudicator. The appropriate adjudicator is determined by reference to the products or services that are the subject of the dispute or by the regulator of the product in question. We will inform you which body to refer to, upon request. Where a dispute is referred to one of the bodies mentioned below, the resulting decision shall be final and binding and you therefore will not have further recourse to the courts.

15.6 Betting
The Independent Betting Adjudication Service (IBAS) provides a free, independent, impartial, confidential dispute resolution and arbitration service for disputes relating to the sum or sums to be paid or credited to Customers on any betting wager between Customers and operators including fixed odds games, but excluding spread betting. It ensures that all its adjudicators are experienced and independent and make a full and independent assessment of the facts made by way of written submissions, make adjudications based on the merits of each case as set out in the written submissions with appropriate care and attention and prepare a written finding. IBAS can be contacted at www.ibas-uk.com or via telephone on +44 (0)207 347 5883 or via post at IBAS, PO Box 62639, London EC3P 3AS.

15.7 Third party licensed casino and poker
Our third party licensed casino and poker products and services are provided by Eurobet (Gibraltar) Limited which is licensed by the Gibraltar Regulatory Authority. We agree to submit to any independent arbitration body that may be approved from time to time by the Gibraltar Regulatory Authority and will, upon request, provide you with details of any such body.

15.8 Bingo, in-house casino and games
Our bingo, in-house designed casino and games products and services are provided by Gala (Alderney) Limited which is licensed by the Alderney Gambling Control Commission. We agree to submit to the dispute resolution procedure offered from time to time by the Alderney Gambling Control Commission.

16.1
We will seek the fullest criminal and contractual sanctions against any Customer involved in fraud. We will withhold payment to any Customer where fraud is alleged or suspected.

16.2
The Customer shall indemnify and shall be liable to pay us, on demand, all costs, charges or losses sustained or incurred by us (including any direct, indirect or consequential losses, any loss of profit and loss of reputation) arising directly or indirectly from a Customer’s fraud, dishonesty or criminal act.

17.1
Whilst most customers are able to enjoy their gambling, we recognises that for a very small number of customers gambling ceases to be fun. For those customers who wish to restrict their gambling, we provide a self-exclusion facility. We also refer you to our policy on Responsible Gambling, which highlights how seriously we take this issue and the assistance we provide.

17.2
Self Exclusion is a formal process whereby we cease to allow you to operate an account with us for a minimum period of 6 months and up to 5 years, at your request. During this period we cannot accept any deposits or bets. We will close your account and return any outstanding balance to you. Any running bets will continue in place and we will forward any winnings after the event is settled. Once you self exclude, we cannot reverse this process for any reason and you may not apply to open a new account. We will not reopen any self excluded account, but after the expiry of the exclusion period you may telephone us to open your account (no other method of activation is possible.) Legislation requires us to provide you with a 24 hour cooling off period, during which you may elect to keep the exclusion in place.

17.3
To use our self exclude facility, you must be logged into your account. From the Account Options menu you will be able to select Update personal details and then click on Responsible Gambling.

17.4
You will see a link to the online form. Click on the link and simply fill in the form with details of any other Gala Coral Group account you may have and select the period of time that you wish the exclusion to apply, then click on Update to send your Self-Exclusion request. We will action your request within 48 hours and confirm to you by e-mail, on your external e-mail account, when we have put the exclusion in place.

17.5
Software is available to assist you with self-exclusion from organisations such as ICRA.

17.6
Having implemented reasonable checks and safeguards to ensure that whilst you are self excluded you cannot access our Website(s) and you do not receive marketing material about gambling from us we cannot be held liable to you or any third party if you are able to continue to gamble on our site(s), or if any marketing material inadvertently gets sent to you and you continue to gamble on any other party’s sites or premises. Moreover we would urge you if you continue to gamble during any period of self exclusion (from ourselves or other operators) that you seek urgent professional help.

17.7
We will use all reasonable endeavours to ensure compliance with self-exclusion. However you accept that we have no responsibility or liability whatsoever if you continue to gamble through additional accounts where you have changed any of the registration details (which would also include if you open up an account with substantially the same information, albeit inputted into the registration form in a different way).

18.1
We are only obliged to pay out winnings that have been genuinely won in accordance with our Terms and Conditions.

18.2
You accept that our products and services and the corresponding Websites upon which they are available are provided to you "as is" with any faults or failings and any representation, warranty, condition or guarantee whatsoever, express or implied (including, without limitation, any implied warranty of accuracy, completeness, uninterrupted provision, quality, merchantability, fitness for a particular purpose or non-infringement) excluded to the fullest extent permitted by law.

18.3
Under no circumstances (including, without limitation, negligence) are we liable for any injury, loss, claim, loss of data, income, profit or opportunity, loss or damage to property, general damages or any direct, indirect, special, incidental, consequential, exemplary or punitive damages of any kind whatsoever arising out of or in connection with any Customer’s access to, or use of, or inability to use, our products and services and the corresponding Websites or any of our chat rooms, any software, any materials or other information on our Website or any goods, materials or services available therefrom (whether based in contract, tort and whether negligent or otherwise), even if we have been advised of the possibility of such damages or loss or that such loss was foreseeable.

18.4
Where your play has been interrupted for some reason, we refer you to our policy on Bingo Interrupted Gaming Policy, Poker Disconnection Policy, Games Interrupted Gaming Policy and Casino Interrupted Gaming Policy.

18.5
You specifically acknowledge, agree and accept that we are not liable to you for:-

• the defamatory, offensive or illegal conduct of any other Customer;
• any loss whatsoever arising from the use, abuse or misuse of your account or any of our products and services and the corresponding Websites;
• any loss incurred in transmitting information to our Websites by the internet or by e-mail;
• any technical failures, system breakdowns, defects, delays, interruptions, manipulated or improper data transmission, loss or corruption of data or communications' lines failure (including any failures that affect the ability for interactive television return-path capabilities), distributed denial of service attacks, viruses or any other adverse technological consequence of your choosing to use our products and services;
• the accuracy, completeness or currency of any information services provided (including, without limitation, prices, runners, times, results or general statistics) or any live scores, statistics and intermediate results shown on our Websites;
• any failure on our part to observe any self-exclusion policies that we may have in place from time to time; and
• any failure on our part to interact with you where we may have concerns about your activities.

18.6
Nothing in these Terms and Conditions shall operate so as to exclude or restrict our liability for death or personal injury caused by our negligence.

19.1
You acknowledge that all intellectual property rights in this Website, in all related software and information and in these Terms and Conditions is owned by or licensed to a member of the Gala Coral Group.

19.2
You further acknowledge that:

• all materials on our Websites (including design, text, graphics and photographs) are the copyright of a member of the Gala Coral Group; and
• a member of the Gala Coral Group is the owner or valid licensee of the trade marks, logos and trade names appearing on this Website and you may only use such trademarks for the sole purpose of displaying this Website on your computer and for transacting with it.

19.3
You may access information (including, without limitation, results, statistics, sporting data and fixture lists, odds and betting figures) on, and download and print extracts from, this Website for your personal use only. No right, title or interest in any downloaded materials or software is transferred to you by downloading and you are expressly prohibited from using such materials for any commercial purpose unless this has been agreed with us in advance.

19.4
You may not transfer, copy, reproduce, distribute, exploit or make any other use of material on this Website in any manner other than for the purposes of displaying it on your computer screen and printing it in order to view its content. You may not link this Website to any other website without our permission.

19.5
For certain of our products and services, you may need to download software in order to use them and we will license the software to you (or sub-license to you, to the extent the software is owned by a third party). The terms upon which you may download and use any such software will be made available to you at the time of download and must be accepted by you prior to your use of that software.

20.1
These Terms and Conditions and all of their constituent parts are governed by English law and the courts of England and Wales shall have the non-exclusive jurisdiction to settle any disputes that arise out of or in relation to them, other than any disputes that fail to be dealt with by our Complaints and Disputes procedure.

21.1
If you do not understand any of these Terms and Conditions then please contact Customer Services.

21.2
These Terms and Conditions (and all the document referred to herein) constitute the entire agreement between us in connection with its subject matter and supersede all prior representations, communications, negotiations and understandings concerning the subject matter of our relationship.

21.3
No term or provision of these Terms and Conditions shall be considered as waived by any party unless a waiver is given in writing by that party.

21.4
We shall not be liable for any breach of this agreement directly or indirectly caused by circumstances beyond our reasonable control and which prevent us from performing our obligations to you.

21.5
These Terms and Conditions are drafted in the English language. If also drafted in another language and there is a conflict or inconsistency between the English language text and any text in another language, the English language text shall prevail.

21.6
You may not assign, transfer, charge, create a trust over or otherwise deal in its rights and/or obligations under these Terms and Conditions (or purport to do so) without our prior written consent. We are entitled to assign, transfer, charge, create a trust over or otherwise deal in our rights under these Terms and Conditions as we see fit.

21.7
If any of these Terms and Conditions is deemed unlawful, void or for any reason unenforceable, then that part shall be deemed to be severable from the rest of these Terms and Conditions and shall not affect the validity and enforceability of the remaining provisions of these Terms and Conditions.

21.8
Nothing said or written by any employee or agent of the Gala Coral Group of companies shall constitute a variation of these Terms and Conditions or an authorised representation about the nature or quality of any aspect of the products or services that we offer. Except in the case of fraud or fraudulent misrepresentation, we shall have no liability to you for any such unauthorised representation.

21.9
Except for members of the Gala Coral Group of companies, a person who is not party to these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce them.