Terms and Conditions


    1. 1. GENERAL
        1. 1.1. These terms and conditions (Terms and Conditions) apply to the usage of games provided through any URLs or mobile applications, belonging to or licensed to VGW RMG Malta Limited, VGW Malta Limited or VGW GP Limited (the Platforms or the Platform as the circumstance requires), as may be specified from time to time.For the purpose of these Terms and Conditions, VGW RMG Malta, VGW Malta and VGW GP are referred to as VGW Group, we, us or our and the player as you or the Player. The Terms and Conditions also apply to related mobile or other platforms enabled by you.Authorised Payment Provider means a payment provider authorised by VGW Group from time to time.

          Games means any one or more Gold Coin Game(s) or Sweepstakes Game(s). We reserve the right to add and remove Games from the Platforms at our sole discretion.

          Gold Coin Game refers to any game played with Gold Coin currency. We may give you Gold Coins for free when you sign up to a Platform. You may win more Gold Coins when you play the Gold Coin Games and you may purchase more Gold Coins on the Platforms. Gold Coin Games are social games and you cannot win cash prizes when you play Gold Coin Games.

          Sweepstakes Game refers to any game played with Sweepstakes Prize/Promotion Cash (Sweeps Cash™) subject to the Sweepstakes/Prize Promotion Official Rules available on the Platforms (Sweeps Rules). We may give you Sweeps Cash™ when you sign up to a Platform. You may win more Sweeps Cash™ when you play Sweepstakes Games. You cannot purchase Sweeps Cash™. You may play Sweepstakes Games with Sweeps Cash™ for a chance to win cash prizes which may be cashed out in accordance with the Sweeps Rules (Prizes).

          VGW GP means VGW GP Limited (company registration number C78260) a limited liability company incorporated in Malta, and subject to Maltese law, having its registered address at Suite 20, 4th Floor, Valletta Buildings, South Street, Valletta, Malta VLT 1103.

          VGW Malta means VGW Malta Limited (company registration number C74706) a limited liability company incorporated in Malta, and subject to Maltese law, having its registered address at Suite 20, 4th Floor, Valletta Buildings, South Street, Valletta, Malta VLT 1103.

          VGW RMG Malta means VGW RMG Malta Limited (company registration number C76814) a limited liability company incorporated in Malta, and subject to Maltese law, having its registered address at Suite 20, 4th Floor, Valletta Buildings, South Street, Valletta, Malta VLT 1103.


        1. 1.2. Chumba Casino is owned and operated by VGW Malta Limited. All payments are processed by VGW Malta Limited. The sweepstakes promotions and prizes offered at Chumba Casino are operated by VGW RMG Malta Limited. VGW RMG Malta is licensed and regulated in Malta by the Malta Gaming Authority (MGA) to operate the Sweepstakes Games with the Licence MGA/B2C/188/2010 dated 14 August 2017.


        1. 1.3. These Terms and Conditions come into force as soon as you check the box for acceptance during the registration process. By checking the box, you signify to us that you have read these Terms and Conditions and accept them. By using any of the Platforms, you signify that you agree with these Terms and Conditions.


        1. 1.4. These Terms and Conditions are subject to the Sweeps Rules available on the Platforms. By agreeing to these Terms and Conditions, you acknowledge you are also bound by the Sweeps Rules as amended from to time.


        1. 1.5. You must read these Terms and Conditions carefully in their entirety before checking the box for acceptance. If you do not agree with any provision of these Terms and Conditions and as amended from time to time, you must not check the box for acceptance.


        1. 1.6. You fully understand and agree to be bound by these Terms and Conditions, and as may be amended by us from time to time. Any amendments will be published on the Platforms and such changes will be binding and effective immediately.


        1. 1.7. Whenever we amend these Terms and Conditions in a way that would limit your current rights or which may be to your detriment, we will notify you upon your next visit to the Platform(s) and you will be required to re-confirm your acceptance prior to playing any games. If you do not agree to the amended Terms and Conditions, you must stop using the Platforms.


        1. 1.8. These Terms and Conditions may be published in several languages for information purposes and ease of access by players but shall all reflect the same principles. It is only the English version that is the legal basis of the relationship between you and us and in case of any discrepancy between a non-English version and the English version of these Terms and Conditions, the English version shall prevail.


        1. 1.9. Employees of the VGW Group, any of their respective affiliates, subsidiaries, advertising agencies, or any other company or individual involved with the design, production, execution or distribution of the Games and their immediate family (spouse, parents and step-parents, siblings and step-siblings, and children and step-children) and household members (people who share the same residence at least three (3) months out of the year) of each such employee are not eligible to participate.


        1. 2.1. You hereby declare and warrant that:
            1. 2.1.1. You are over 18 years of age (or over 21 years of age in Estonia) or such higher minimum legal age of majority as stipulated in the jurisdiction of your residence and are, under the laws applicable to you, legally allowed to participate in the Games offered on the Platforms.


            1. 2.1.2. You will not purchase Gold Coins if you reside in, or access the Platform from, the State of Washington.


            1. 2.1.3. You participate in the Games strictly in your personal, non-professional capacity for recreational and entertainment purposes only.


            1. 2.1.4. You participate in the Games on your own behalf and not on the behalf of any other person.


            1. 2.1.5. All information that you provide to us during the term of validity of these Terms and Conditions is true, complete, correct, and that you shall immediately notify us of any change of such information.


            1. 2.1.6. You are solely responsible for reporting and accounting for any taxes applicable to you under relevant laws for any Prizes that you receive from us.


            1. 2.1.7. Money that you use to purchase Gold Coins is not tainted with any illegality and, in particular, does not originate from any illegal activity or source, or from ill-gotten means.


            1. 2.1.8. You shall not be involved in any fraudulent, collusive, fixing or other unlawful activity in relation to your or third parties’ participation in any of the Games and you shall not use any software-assisted methods or techniques (including but not limited to bots or poker-bots designed to play automatically) or hardware devices for your participation in any of the Games. We reserve the right to invalidate any participation in the event of such behaviour.


            1. 2.1.9. In relation to the purchase of Gold Coins, you may only use an account from an Authorised Payment Provider that is valid and lawfully belongs to you.


            1. 2.1.10. You shall check your Gold Coin and Sweeps Cash™ balances before playing any Game. Each new challenge implies your acceptance of previous game play. Any claims must be settled before you continue playing.


            1. 2.1.11. In respect of any game of poker, you shall not intentionally lose your chips on purpose to benefit another player’s chip stack, often referred to as ‘chip dumping’.


        2. 2.2. The computer software, the computer graphics, the Platforms and the user interface that we make available to you is owned by or licenced to VGW RMG Malta or its associates and protected by copyright laws. You may only use the software for your own personal, recreational uses in accordance with all rules, terms and conditions we have established (including these Terms and Conditions and Sweeps Rules) and in accordance with all applicable laws, rules and regulations.


        1. 2.3. Games played on the Platforms should be played in the same manner as games played in any other setting. This means that players should be courteous to each other and avoid rude or obscene comments.


        1. 2.4. VGW Group reserves the right to terminate and/or, change any of the Games or events being offered on the Platforms, and to refuse and/or limit your participation in the Games.


        1. 2.5. VGW Group strictly prohibits player collusion and takes measures to prohibit use of devices, such as robots, that distort normal game play.


        1. 3.1. Registration and opening of your member account:
            1. 3.1.1. In order for you to play the Games on any of the Platforms, you must first register with us and open an account (Member Account).


            1. 3.1.2. You are allowed to have only one Member Account on each Platform. If you attempt to open more than one Member Account, all accounts you have opened or try to open may be blocked or closed.


            1. 3.1.3. To register you must provide all mandatory information requested, in particular your identity, a valid e-mail address, your date of birth and your place of residence. Alternatively you may use your Facebook account to register, as well as providing us with all mandatory information requested from you or received from Facebook, in particular your identity, a valid e-mail address and your place of residence. In either case it is your sole responsibility to ensure that the information you provide is true, complete, correct, and up-to-date at all times. You must immediately notify us of any changes to the information used to register your Member Account. You are hereby notified that upon any request to cash out any Prizes we will carry out further verification procedures and we may refuse your request or your Member Account may be blocked for access or closed if you are found to supply false or misleading information.


            1. 3.1.4. If you notice that you have more than one registered Member Account you must notify us immediately. Failure to do so may lead to your Member Account being blocked and we may reserve the right to refuse payment of Prizes from any and all Member Accounts.


            1. 3.1.5. As part of the registration process, you will have to choose a password for your login into the Platform(s), unless you login to your Member Account using the Facebook login facility in which case your Facebook password will apply. It is your sole and exclusive responsibility to ensure that your login details are kept securely. You must not disclose your login details to anyone. We are not responsible for any abuse or misuse of your Member Account by third parties due to your disclosure, whether intentional or accidental, whether active or passive, of your login details to any third party.


            1. 3.1.6. You are not allowed to transfer Gold Coins, Sweeps Cash™ or Prizes from your Member Account to other players or to receive Gold Coins, Sweeps Cash™ or Prizes from other players into your Member Account, or to transfer, sell and/or acquire Member Accounts.


            1. 3.1.7. VGW RMG Malta reserves the right to refuse or close a Member Account at its sole discretion but any contractual obligations already made by VGW RMG Malta shall be honoured accordingly.


            1. 3.1.8. VGW RMG Malta reserves the right to declare participation in a Game void, partially or in full, if VGW RMG Malta, at its own discretion, deems it obvious that there was an error, mistake, misprint or technical error on the pay-table, win-table, minimum or maximum stakes, odds or software.


        2. 3.2. Gold Coin or Sweeps Cash™ balance in Member Account
            1. 3.2.1. You may participate in any Game only if you have sufficient Gold Coins or Sweeps Cash™ (as applicable) in your Member Account for such participation. Subject to the Sweeps Rules we shall not give you any credit whatsoever for participation in any Game.


            1. 3.2.2. We reserve the right to charge fees for processing purchases of Gold Coins. From time to time, we may assign minimum or maximum Gold Coin purchases as specified and offered on the Platforms.


            1. 3.2.3. Purchases of Gold Coins can be made via your Authorised Payment Provider account (or other form of payment that may be offered on the Platforms from time to time), and are generally effective immediately.


            1. 3.2.4. We reserve the right to use additional procedures and means to verify your identity when effecting your purchase of Gold Coins.


            1. 3.2.5. Once a purchase has been made, the funds will be drawn from your account or credit card instantly.


            1. 3.2.6. The purchase of Gold Coins is the purchase of a product that allows you to participate in Gold Coin Games and is not the deposit of funds which can be withdrawn. Funds used to purchase Gold Coins will not, and cannot, be remitted to you; Gold Coins do not have any real money value.


            1. 3.2.7. In accordance with the Sweeps Rules, any Sweeps Cash™ allocated to you is required to be played before it is able to be cashed out as Prizes. This is a security regulation that aims to prevent international money laundering.


        3. 3.3. Payment of Prizes
            1. 3.3.1. Only Players in the United States of America and Canada (excluding Quebec) are eligible to win and cash out Prizes. Players in other jurisdictions may play the Games but are not able to cash out Prizes. You can request payment of any Prizes by selecting the “Cash Out” button on the Platform. Payment of any Prizes will be made to your nominated Authorised Payment Provider account or by other payment methods available from the Platform(s) from time to time. We reserve the right to charge fees for processing payment of Prizes to you and to set a minimum request amount of USD$100. We will pay your Prizes to you using the same account that you purchased Gold Coins. If this is not possible, both the Player requesting the payment and the account to which the payment will be processed must be verified prior to any payment.


            1. 3.3.2. We process the payment requests in the order in which they are received. Our goal is to process your payment request as soon as practicable. According to the law, we are required to verify our customers’ identity in order to uphold the required level of security. We will ask for and you must provide your valid identification details, address and contact email or personal telephone number. We will ask for legal documents which can verify your identity, and your payment request will be pending until we have received your documents and verified your identity (see 3.3.4 and 3.3.5 below for further details). This is standard Know Your Client security procedure.


            1. 3.3.3. If we mistakenly credit your Member Account, or nominated Authorised Payment Provider account or other payment methods available from a Platform from time to time with Prizes that do not belong to you, whether due to a technical, error in the pay-tables or win-tables, or human error or otherwise, the amount will remain property of us and the amount will be deducted from your Member Account. If you have been credited funds that do not belong to you prior to us becoming aware of the error, the mistakenly paid amount will (without prejudice to other remedies and actions that may be available at law) constitute a debt owed by you to us. In the event of an incorrect crediting, you are obliged to notify Customer Service via the Platform.


            1. 3.3.4. VGW RMG Malta will carry out additional verification procedures for any cumulative or single payment exceeding EUR 2,330 or equivalent, and reserves the right to carry out such verification procedures in the case of a payment of any such lower amount. Such verifications may, for example, include request for and our examination of copies of a Player’s identification documentation (including photo identification) such as a passport and proof of the Player’s address such as a utility bill. We reserve the right to complete verification procedure of any Player that requests the payment of any amount of Prizes. Players who request the payment of funds held in a closed, locked or excluded account, are advised to contact Customer Service via the relevant Platform.


            1. 3.3.5. All transactions shall be checked in order to prevent money laundering. We shall report any suspicious transaction to the Financial Intelligence Analysis Unit in Malta. If a Player becomes aware of any suspicious activity relating to any of the Games or the Platforms, he/she must report this to us immediately. VGW RMG Malta may suspend, block or close a Member Account if requested to do so in accordance with the Prevention of Money Laundering Act. VGW RMG Malta may conduct enhanced due diligence in respect of any payment of Prizes.


            1. 3.3.6. Prizes of over USD$10,000 might require longer processing time than usual due to bank clearance and security and fraud checks. This may add up to 7 days to the normal processing time, but is dependent on the circumstances of each case. Players can request any amount of Prizes to be paid out however we reserve the right to pay the request in smaller increments over a number of days until the whole requested amount has been paid.


            1. 3.3.7. You will not get any interest on outstanding amounts and you shall not treat the Company as a financial institution.


        4. 3.4. Inactive Member Accounts
            1. 3.4.1. If you have not logged on to your Member Account for 60 days any Prizes will expire.


            1. 3.4.2. Inactive Account means a Member Account which has not recorded any log in or log out for a period exceeding twelve (12) consecutive months. If your Member Account is deemed to be an Inactive Account, we reserve the right cancel your Member Account.


            1. 3.4.3. If no transaction has been recorded on your Member Account for thirty months, we shall remit the balance of your Member Account to you or, if you cannot be satisfactorily located, to the MGA.


            1. 3.4.4. Gold Coins or Sweeps Cash™ that has been submitted for play and accepted cannot be changed, withdrawn or cancelled and the Gold Coins or Sweeps Cash™ (whichever applicable) will be drawn from your Gold Coin or Sweeps Cash™ balance instantly.


        5. 3.5. Closing of Member Accounts. If you wish to close your Member Account, you may do so at any time, by selecting the “Contact Us” link on the Platforms and fill in the form “Close Member Account”. The effective closure of the Member Account will correspond to the termination of the Terms and Conditions. If the reason behind the closure of the Member Account is related to concerns about possible gaming issues the Member shall indicate it. You will be able to open your Member Account again by sending a request to the Customer Service team. All requests for re-opened accounts will be evaluated by our Customer Service and Quality Control team who abide by strict customer protection guidelines.


        1. 4.1. You may at your discretion choose to exclude yourself from playing any Games on our Platforms. In order to block your access to the Games, you need to select the “Responsible Gaming” link on the Platform(s) and submit a request by selecting “self-exclusion facility” and fill in the form “Block Access to Games”.


        1. 4.2. You may at your discretion also choose to set a limit on your purchases of Gold Coins or the amount of Sweeps Cash™ you play within a specified period of time or set a limit on the amount of time you may play in any one session on a Platform. To set a limit, select the “Responsible Gaming” link on the Platform, and submit a request by selecting the “self-exclusion facility” and filling in the form “Request to Apply Limits on my Gaming”. We process the requests in the order in which they are received and implement with immediate effect.


        1. 4.3. You may change or revoke the limit or exclusion by written notice or electronic notice selecting the “Contact Us” link on the Platform fill in the form “Request Support”. A notice increasing or revoking a limit or decreasing the exclusion has effect only after seven days after we have received the notice. Please contact Customer Services should you have any questions.


        1. 4.4. Gaming is fun and can be addictive. Please play responsibly. If you have concerns on your gaming activity, you can contact specialist organisations to help you: http://rgf.org.mt/.


    5. 5. GAMES
        1. 5.1. Games offered on the Platforms may have their own rules which are available on the Platform. Please read the rules of the game before playing. A game will have a pay-table, win-table, minimum and maximum stake or odds and you must familiarise yourself with the applicable terms of play and read the relevant rules before playing any game.


        1. 5.2. Some Sweepstakes Games, will be played with ‘coins’ or ‘chips’ that represent corresponding prize value.


        1. 6.1. You hereby acknowledge and accept that it is necessary for us to collect and otherwise use your personal data to allow you access and use of the Platforms and to allow you to participate in Games.


        1. 6.2. We hereby acknowledge that in collecting your personal details, we are bound by the Data Protection Act 2001 (Malta), subject to EU directives. We will protect your personal information and respect your privacy in accordance with best business practices and applicable laws.


        1. 6.3. The main purpose for collecting your personal data is to facilitate your use of the Platforms. However, we may also use the information collected for the following, where appropriate:
            1. (a) to provide, maintain, protect and improve the Platforms;


            1. (b) to provide you with access to certain areas of the Platform which may otherwise be hidden;


            1. (c) for verification purposes;


            1. (d) to facilitate the purchase of our products and the payment of prizes;


            1. (e) to develop new services;


            1. (f) for analysis of use of the Platforms;


            1. (g) to improve the content offered; or


            1. (h) for marketing and promotional purposes.

          By providing your personal data, you agree to its use in this manner.

          If you do not want to receive marketing and promotional material from us, you may opt out of receiving this type of communication at any time by clicking the ‘unsubscribe’ link in any electronic communication provided to you by us.

          We will use your personal data to allow you to participate in the Games and to carry out operations relevant to your participation in the Games. We may also use your personal data to inform you of changes, new services and promotions that we think you may find interesting. If you do not wish to receive such direct marketing data, you may opt out of such service.


        2. 6.4. Your personal data will not be disclosed to third parties, unless such disclosure is necessary for the processing of your requests (including purchase requests and requests for payment of prizes) in relation to your participation in the Games or unless it is required by law or as a requirement of our licence conditions, for example, in the case of an investigation by the MGA. As our business partners or suppliers or service providers may be responsible for certain parts of the overall functioning or operation of the Platform, personal data may be disclosed to them. Our employees including those in Customer Service and Quality Control, the payment team and other employees shall also have access to your personal data for the purpose of executing their duties and providing you with assistance and the service. You hereby consent to such disclosures.


        1. 6.5. We shall keep all information provided as personal data. You have the right to access personal data held by us about you. No data shall be destroyed unless required by law, or unless the information held is no longer required to be kept for the purpose of the relationship.


        1. 6.6. In order to provide you with an efficient service, we and/or our service providers may transfer your personal data from one country to another in the European Union, European Free Trade Association regions, and the United States of America and the Philippines.


        1. 6.7. In the processing of your Member Account and associated transactions, we may have recourse to contact credit rating agencies, fraud detection agencies, and anti-money laundering agencies. These agencies may keep a record of your information. You hereby consent to such disclosures.


        1. 6.8. In order to make your visit to the Platforms more user-friendly, to keep track of visits to the Platforms and to improve the service, we collect a small piece of information sent from your browser, called a cookie. You can, if you wish, turn off the collection of cookies (please refer to your browser instructions as to how to do this). You must note, however, that turning off cookies may restrict your use of the Platforms.


        1. 6.9. We are committed to protecting the privacy of minors, for that reason you may only use our Platforms if you are 18 years of age or older (or 21 years of age or older in Estonia) and we do not structure our Platforms to attract anyone under 18 years of age.


    7. 7. COMPLAINTS
        1. 7.1. If you have a complaint regarding our services, you may contact us by selecting the “Contact Us” link on the Platform and fill in the form “Request Support” or by emailing support@chumbacasino.com. Our Customer Service, Quality Control and Finance, and IT departments will work together accordingly, escalating to managers where necessary in order to solve the complaint or query.


        1. 7.2. We will use our best efforts to resolve a reported matter promptly.


        1. 7.3. Alternative dispute resolutionIf, for any reason, you are not satisfied with the resolution of your complaint by the relevant member of the VGW Group in the first instance, you may pursue alternative dispute resolution in your jurisdiction in accordance with the Sweeps Rules. If your complaint remains unresolved you may report a complaint to MGA at support.mga@mga.org.mt.


        1. 8.1. VGW Group is not liable for any downtime, server disruptions, lagging, or any technical or political disturbance to the game play. Refunds may be given solely at the discretion of the management.


        1. 8.2. VGW Group shall accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with the Platform(s) or its content; including without limitation, delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person`s misuse of the site or its content or any errors or omissions in content.


        1. 8.3. In the event of a Platform system malfunction all Game play is void.


        1. 8.4. In the event a Game is started but miscarries because of a failure of the system, the VGW Group shall refund the amount of Gold Coins or Sweeps Credits played (whichever applicable) in the Game to you by crediting it to your Member Account.


        1. 9.1. We may provide you with a Live Chat service to talk to other Players. It is your responsibility to use this service only for its intended purposes, you should not use the Live Chat service for illegal purposes.


        1. 9.2. Be careful what you post. We review and moderate chats and keep a log and record of statements. Your use of the chat service should be for recreational and social purposes only.


        1. 9.3. Spamming on Live Chat is prohibited. Players are prohibited from intimidating, harassing or abusing other Players or VGW Group employees.


        1. 9.4. You will not use the Live Chat service to engage in any form of harassment or offensive behaviour, including but not limited to threatening, derogatory, abusive or defamatory statements, or racist, sexually explicit, pornographic, obscene, or offensive language.


        1. 9.5. You will not use the Live Chat service to infringe the privacy rights, property rights, or any other rights of any person.


        1. 9.6. You will not submit any kind of material or information that is fraudulent or otherwise unlawful or violates any law.


        1. 9.7. You will not use the Live Chat service to distribute, promote or otherwise publish any material containing any solicitation for funds, advertising or solicitation for goods or services or other forums.


        1. 9.8. You will not use the Live Chat service to distribute, promote or otherwise publish any kind of malicious code or do anything else that might cause harm to the Platforms or to other Player’s systems in any way.


        1. 9.9. We reserve the right to monitor anything and everything submitted by you to the Live Chat service to ensure that they conform to content guidelines that are monitored by us and subject to change from time to time.


        1. 9.10. If you breach any of the provisions relating to the Live Chat service, we may block your Member Account. If we do, we reserve the right to cancel or refuse to cash-out any Prizes.


        1. 9.11. We reserve the right to remove the Live Chat service from the Platform(s) if abused.


        1. 9.12. We will not be liable if damage arises out of the Live Chat service.


        1. 9.13. You agree to indemnify us against any damage arising out of your illegal, unlawful or inappropriate conduct or arise out of violation of the rules applying to the Live Chat service.


        1. 9.14. You will not collude in any way through the Live Chat, players are encouraged to report any suspicious behaviour to Customer Support by emailing support@chumbacasino.com.


        1. 9.15. We reserve the right to report any suspicious behaviour or chats to the MGA.


    10. 10. BREACHES, PENALTIES AND TERMINATION If you breach any provision of these Terms and Conditions or we have a reasonable ground to suspect that you have breached them, we reserve the right to not open, to suspend, or to close your Member Account. If your Member Account is closed or suspended due to suspected fraudulent or illegal activity by you, you will be ineligible to claim any Prizes or use Gold Coins or Sweeps Cash™ in any Member Account connected to you until it is proven that such suspected fraudulent or illegal activity did not occur.


    1. 11. SEVERABILITY If any provision of these Terms and Conditions is held to be illegal or unenforceable, such provision shall be severed from these Terms and Conditions and all other provisions shall remain in force unaffected by such severance.


    1. 12. ASSIGNMENT We reserve the right to assign or otherwise lawfully transfer these Terms and Conditions. You shall not assign or otherwise transfer these Terms and Conditions.


    1. 13. ENTIRE AGREEMENT These Terms and Conditions constitute the entire agreement between you and us with respect to the Platforms and, save in the case of fraud, supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and us with respect to the Platforms.


        1. 14.1. These Terms and Conditions shall be governed by the Laws of Malta.


        1. 14.2. You acknowledge that, unless stated otherwise, the Games are operated from Malta and your participation in these Games takes place within the aforementioned territory. Any contractual relationships between you and us shall be deemed to have been entered into and performed by the parties in Malta.


        1. 14.3. The parties agree that any dispute, controversy or claim arising out of or in connection with these Terms and Conditions, or the breach, termination or invalidity thereof, shall be submitted to the exclusive jurisdiction of Malta.