Coral Racing Limited operates licensed betting offices (the “Coral Shops”).

The following terms and conditions (the “Terms and Conditions”) govern the placing of bets using the Coral Betting Facilities.

The Terms and Conditions are issued in conjunction with the General Sporting Rules. To the extent there is any inconsistency between these Terms and Conditions and any of the Rules or the [Privacy Policy] or any document referred to herein, then the Terms and Conditions shall prevail.

Throughout these Terms and Conditions any reference to “the Company”, “we” or “us” shall be to the Coral Racing Limited and customers of the Company are referred to as “Customer” or “you”.

Coral Racing Limited is fully licensed under the relevant laws of England and Wales and regulated by the UK Gambling Commission

These Terms and Conditions will be displayed in Coral Shops or will be provided to you on request if you use the Telephone Service. It is your responsibility to make sure that you have read and understood these Terms and Conditions before placing a bet with us but we are happy to answer any questions you may have or if you would like a copy of our Terms & Conditions and General Rules please contact our customer services department on the following number:

For Betting Shops: 0844 800 8833

We reserve the right to amend these Terms and Conditions. However, we will make reasonable efforts to ensure that any significant changes to these Terms and Conditions will be notified to the Customers by an appropriate method (which may include a notice being posted in our betting offices).

It remains the Customer’s responsibility to periodically check the Terms and Conditions to ensure that they continue to agree with them and Customers are advised to check these Terms and Conditions when they visit a Coral Shop or before placing a bet using the Telephone Service. Your continued use of any of any Coral Betting Facility will be deemed to be your acceptance of the Terms and Conditions and privacy policy and any changes to them. Any bets received (but not settled) prior to the time of amendment of our Terms and Conditions will be subject to the pre-existing Terms and Conditions. If you do not accept any amendments to our Terms and Conditions, you should refrain from using the Coral Betting Facilities as any such use will be subject to the amended Terms and Conditions.

These Terms and Conditions are effective from 1 September 2007 and supersede all previous Terms and Conditions. Your attention is drawn to our Privacy Policy which describes how we deal with and protect your personal information and by accepting these Terms and Conditions you are also acknowledging and accepting that policy. As well as your accepting our privacy policy generally, you also acknowledge that we are entitled to share your personal information with regulators, sports bodies and authorised bodies (including the police) for the purpose of investigating fraud, money laundering or sports integrity issues.

In addition to agreeing to these Terms and Conditions and Privacy Policy, by accessing our products and services you also agree that you are complying with any Terms and Conditions or Rules as specified by any Sport’s Governing Body to which you may be associated. We reserve the right to void any bet placed in breach of such regulations (or withhold payment pending investigation), or where instructed to do so by the appropriate regulator.

You should also be aware that FOBTs available on our premises may be subject to separate terms and conditions and these are available on various machines within the Help Menu and include maximum payouts. It is your responsibility to read these rules before you make use of the machines. Also see ‘Gaming Machines’ in the general section of Rules.

As a condition of your using any services provided by us, you warrant and represent 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 also confirm that you are not party to a current self-exclusion agreement with us, or following the expiry of such a period of self-exclusion, you have completed a Reinstatement Request Form and observed the mandatory 24-hour 'cooling-off' period.

You are reminded that it is an offence for you to participate in gambling if you are under 18 years of age. It is also a criminal offence for anyone to help a young person (a person between the ages of 16 and 18) or child (a person under the age of 18) to gamble.

You understand that by using our products and services you may lose money and you accept full responsibility for such losses. You must exercise your own judgment in choosing to place a bet. You acknowledge that, in placing your bet you are not relying on any statement of any employee of Coral relating to the subject matter of a bet.

In order to prevent underage gambling, we reserve the right to ask for acceptable forms of identification (see below) for anyone who appears to be under the age of 18. Acceptable forms of identification must:

• Contain a photograph from which you can be identified;
• State your date of birth;
• Be valid (ie not out of date or expired);
• Be legible and show no signs of tampering.

If you cannot produce acceptable identification documents when requested you will be required to immediately leave the Coral Shop.

We reserve the right to remove or ask any customer to leave our premises if we believe they are being disruptive to the smooth running of our business. Without in any way limiting the previous provisions:

• Customers may not bring onto the premises any intoxicating liquor for consumption on the premises. Any sale or resale of any items or products on the premises is strictly forbidden.
• Customers are not permitted to smoke on the premises, save in relation to those outside areas which are clearly indicated.
• Customers are forbidden from passing, dealing in or taking an illegal substance on the premises.
• Customers will not be allowed into or to remain on the premises if we or any member of our staff in its discretion considers him or her to be, drunk, rowdy or where the level of consumption of any substance may, in the view of any member of our staff, give rise to the customer being difficult or unpredictable, or a danger to him or herself, staff and other customers, or likely to bring the character of the premises and the Company into disrepute, or undermine the security of the premises in any way.

We reserve the right to exclude and/or bar Customers from any Coral Shop if a customer on the premises is involved in, responsible for (whether wholly or partly), or complicit in any of the following acts or instances of behaviour, he or she may be removed from the premises and/or be barred from entering the premises in relation to prior instances of such acts or behaviour:

• Smoking (not otherwise permitted) or use of, passing, of or dealing in illegal substances;
• sale or resale of any items;
• Any lewd, drunken or offensive behaviour or behaviour likely to put that customer, any other customer or any member of staff in danger or likely to result in any impairment of the enjoyment by other customers of the games and services on offer on the premises or impede the provision of those services, or impact in any way on the reputation of the Company;
• Any attempt by a customer to assist or encourage any person under the age of 18 to gamble on the premises;
• The Company reasonably suspects that the customer is using the premises to conduct any form of illegal behaviour;
• The Company reasonably suspects that the customer is attempting to cheat or does cheat at any of the games provided at the premises including on any terminal/machine or defraud the Company either on his own or in conjunction with any other person or entity or is attempting to and/or assisting another person/entity to cheat or defraud the Company; or;
• The customer is involved in systematic money lending to other customers on the premises (save that “systematic” for these purposes may involve instances of money lending which has taken place, or which the Company suspects may have taken place, on other premises owned or controlled by the Company or other companies in a group of which the Company forms a part).

It is within the Company’s discretion whether to allow any Customer removed or barred from entering the premises in the above circumstances back into the premise and the customer will be notified to that effect when he or she attempts to attend the premises again. Any Customer attempting to assist any other customer to avoid such ban may similarly be excluded.

The Company may also determine in its absolute discretion whether to inform the police, the Gambling Commission or the Local Authority in relation to any refusal of entry, removal or exclusion of a Customer, and it reserves the right where relevant to bring a prosecution itself and claim damages where the inappropriate use of premises by the Customer or his or her use contrary to these terms and conditions may cause the Company loss.

The Company may at its discretion decide that the Customer should be barred from (and if so for what period of time) any other premises owned or controlled by the Company or any other company in a group of which the Company forms a part and where reasonably possible it will inform the customer by post or email to that effect.

The Company is entitled to exclude from the premises any person who we reasonably suspects to be under the age of 18 unless such person is able to immediately produce satisfactory ID.

In any instance where a under 18 has been found to be gambling on the premises all monies (if any) and wagers made by him or her will be voided and any winnings will be retained by the company pending a police investigation.

Without prejudice to the above the Company may take all steps within its discretion in connection with a customer’s acts or behaviour on the premises as it considers appropriate in order to preserve the security of the premises, any items or cash on the premises, the health and safety of staff or other customers, or the enjoyment by customers of the facilities on the premises.

CCTVs are used on our premises. You agree that by entering onto these premises your image may be captured and used for training purposes or disclosed to third parties insofar as Coral has legitimate concerns about the security of the premises, (or items or cash on the premises), adherence by customers with these terms and conditions, and the safety of customers and staff using the premises.

CASH

The full amount of stake must be handed to our cashier with your bet. We will not accept any bet which is presented without the stake. Our shop staff have no authority to allow credit under any circumstances. Our staff have been instructed to check all banknotes for forgeries using special equipment installed in all of our shops. Any notes detected will be retained and the Police notified.

CHEQUE

We only accept one cheque per customer per day backed by the relevant bank cheque guarantee card up to the maximum guarantee limit as stated on the card. For administration purposes we cannot guarantee acceptance unless a bet with the accompanying cheque is presented at least 15 minutes before the ‘off of the first selection on the betting slip. Our staff have been instructed to use their discretion to refuse payment by cheque.

BANK OR BUILDING SOCIETY DEBIT CARD

You may use your personal bank debit card to pay for a bet. It is your responsibility to allow sufficient time for our staff to process the transaction prior to the start of the race/event. Cash-back is limited to one transaction per customer per day up to the maximum limit as stated on your card. Payment by credit card is not permitted.

BUILDING SOCIETY CHEQUE/BANKERS DRAFT

If you wish to place a bet using a building society cheque or bankers draft, you must arrange the transaction in advance by calling our Customer Services department on: 0844 800 8833

Winnings will be paid in cash or cheque but if the bet was placed by debit card the returns will be paid directly back on to your debit card. For security reasons, large amounts of cash are not held at Coral Shops therefore, there may be occasions, particularly in the case of a large win, when a cheque will be offered by us in respect of full, or part payment. Alternatively, we can arrange payment in cash at a later time or at another branch or, at our bank.

On occasions it may be necessary for us to verify the validity of a bet prior to payment. In such cases, every effort will be made to release payment as soon as possible.

Winnings may be collected at other Coral shops provided the paying shop is able to confirm by telephone the bet details with the originating shop. On occasions, it may be necessary for the bet to be collected only at the shop where it was placed for example for FOBT or Coral Plus.

Where a bet has been placed using a building society cheque or a banker’s draft, payment will only be made subject to clearance of the cheque/bankers draft being received by Coral.

Where we are asked to pay winnings by cheque to Customers who are not known to the staff at the relevant Coral shop, we will ask Customers to provide evidence of identity to confirm that the person receiving the cheque is the person to whom the cheque is made out to.

Payment is only made on presentation of the official original receipt. Where this has been lost you must complete a Lost Receipt Claim Form and payment will be released provided we are satisfied with the bona fides of your claim and you agree to indemnify Coral in the event of a further claim on the bet. You will be required to sign for the payment and most cases provide proof of identity. It is the responsibility of the customer to ensure the safety of their slip and where payment has already been made on the official receipt prior to your claim being lodged, we regret that no further payment can be made.

Bets are placed with Coral by writing instructions on a betting slip or completing an Easy slip. An Easy slip is similar to the marksense slip used by the National Lottery/Lotto and requires you to indicate your stake, selections and bet type by marking a horizontal tick in the appropriate rectangular box. You must then hand the slip, together with the full stake, to a member of our counter staff who will be using our EPoS system. We will process your bet through a scanner and you will receive a printed receipt which has a unique bet number and shows a photo image of your bet (or printed details of your bet in case of Easyslip or where a ‘callover’ facility is available). For your bet to be valid, the bet number and image or printed bet details must be registered on our EPoS system and be printed on your receipt.

No bet is valid until we have provided you with a receipt showing that the bet has been accepted by us. We (Coral) reserve the right to refuse to accept the whole, or any part of any bet

Retail, postal bets or bets put through letterboxes are not accepted

In the event of any difference between the original slip presented by the Customer and the Customer receipt, the selections as they appear on the image of the Customer receipt captured by our EPoS system will determine settlement. It is the responsibility of the Customer to check the receipt carefully as mistakes cannot be rectified after the event

It is your responsibility to ensure your bets are written clearly and also that your timing, instructions, spelling and stakes are correct. You should check your receipt to verify that the amount you have paid and your bet details have been correctly recorded. Bets can only be cancelled or changed by mutual consent. You must retain your receipt until all bets on your slip can be fully settled, when any returns due will be paid upon the surrender of your receipt

We reserve the right to refuse the whole 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; or
• a bet may breach the governing rules of the relevant sport or event in question or jeopardise the integrity of the sport or event in question. or
• a bet is mistakenly accepted for an event that has already occurred or there is a clear indication of the likely outcome.

There may be other instances where we may void a bet as shown in Italics under the specific sport/event included in the General Rules.

We also reserve the right to void a bet if required to do so by the Gambling Commission.

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.

Gambling is a fast moving environment, odds move rapidly and bets are taken continuously and consequently mistakes do occasions 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, 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,

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.

You have thirteen weeks from the date of the event to claim any winning bets. If any claims are made after this date we will do our utmost to trace the bet but cannot guarantee that any payment will be made.

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 the Customer Services within 12 weeks of the event which the bet related to occurring.

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.

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 any 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 we will exclude you from entering a shop.

Complaints Procedure

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, in the first instance, speak to the staff in the shop. If you still remain dissatisfied then you may notify us by contacting Customer Services or write to the Customer Service Manager at Coral, PO Box 1301 Barking Essex IG11 1DW. We will then give you a name and status of one of our Customer Service 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. In turn we ask that you notify us of any complaint within a reasonable period of time and in any event no later than 13 weeks after the event or events to which the complaint relates.

Dispute Resolution Policy

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.

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.co.uk or via telephone on +44 (0)207 881 2690 or via post at IBAS, PO Box 44781, London, SW1W 0WR.

We recognise that for a very small number of customer’s, gambling ceases to be fun and the Company is committed to a policy of providing support and assistance wherever it can. Information in relation to problem gambling is available on our shops. Please talk to the manager of the shop to discuss any problems that you or a family member may have related to gambling using the Coral Betting Facilities. Alternatively, you can call our Customer Services.

We reserve the right to approach you in instances where we consider you may need help and to keep information relating to instances where we have cause for concern and to provide such information to the Gambling Commission.

For those customers who wish to restrict their gambling, we provide a self exclusion policy, which enables you to restrict your ability to place bets in a particular shop for a minimum period of six months. You can ask that the restriction lasts for a longer period.

If you require any information relating to this facility please speak to the shop manager in the first instance or alternatively, call our Customer Service Department .

We reserve the right to also exclude you (insofar as we reasonably can) from other shops in a particular area.

We will put all reasonable safeguards in place to ensure that once you self exclude you will not be permitted entry onto the premises from which you have elected to be self excluded irrespective of your wishes to the contrary. However, should you be able to gain entry to these premises (despite our reasonable efforts to prevent this), we will have no liability in relation to your gambling losses or any related damages or claims made by you or a third party. Likewise you will have no claim against us for refusal to permit you entry or for not barring you from premises other than our LBOs operated by Coral Racing Limited or from preventing you from using any online services or telephone services operated by Coral Racing Limited.

The National Association for Gambling Care Educational Resources and Training (GAMCARE) provides information, advice and counseling to individuals, their family and friends who have concerns about problem gambling. If you require any information the Manager of this branch will be pleased to assist you. The Helpline number for Gamcare is 0845 600 0133.

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.

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.

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

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 (whether based in contract, tort and whether negligent or otherwise), even if we have has been advised of the possibility of such damages or loss or that such loss was foreseeable.

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;
• 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.

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.

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 fall to be dealt with by our Complaints and Disputes procedure.

If you do not understand any of these Terms and Conditions then please contact Customer Services on 0844 800 8833.

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.

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.

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

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.

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.

Nothing said or written by any employee or agent of Coral Racing Limited 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.

Except for members of Coral Racing Limited, 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.

© Copyright 2010 Coral Ltd - All Rights Reserved