Terms and Conditions of 15win – Platform Usage Rules

These Terms and Conditions ("Terms") govern access to and use of the sports betting and casino gaming platform operated under the brand 15win, available at https://15win.life ("Platform"). By creating an account, accessing the Platform, or using any of its services, you ("User" or "Customer") confirm that you have read, understood, and fully agreed to these Terms, as well as the Privacy Policy, the rules of each promotion, and any other document incorporated by reference.

For the purposes of these Terms, the following terms have the meanings set out below:

• "Platform": the website, app, and all other digital channels operated by 15win.
• "Account": the individual, non-transferable profile created by the User to access 15win's services.
• "Real Balance": funds deposited by the User or won through bets, available for free use or withdrawal.
• "Bonus Balance": credits awarded through promotions, subject to specific requirements before they can be converted into Real Balance.
• "Rollover": the minimum wagering requirement needed to convert Bonus Balance into Real Balance.
• "KYC" (Know Your Customer): the identity verification process required for certain operations.

To create an account and use 15win's services, the User must meet all of the following requirements:

• Be at least 18 (eighteen) years of age or older at the time of registration.
• Be a resident of Brazil and hold a valid CPF issued by the Receita Federal.
• Not be listed on any sports betting or casino self-exclusion list in Brazil.
• Not have any other active account on 15win — only one account per CPF, per email address, per mobile number, and per residential IP address.
• Do not act on behalf of third parties or for any unauthorized commercial purpose.

At registration, the User must provide accurate, complete, and up-to-date information, including full name, CPF, date of birth, address, email, and mobile number. 15win reserves the right to verify this information at any time and to suspend the account if inconsistencies are found. It is the User's responsibility to keep their registration details current.

15win may request identity verification documents at any time, particularly before processing withdrawals above certain amounts or when unusual account activity is detected. The KYC process may include:

• Official photo ID: national ID card (RG), driver's license (CNH), or passport.
• Proof of residence issued within the last 90 days.
• Proof of ownership of the payment method used (bank statement, app screenshot).
• Selfie with ID document for identity confirmation, when required.

The deadline for submitting the requested documents is 7 (seven) calendar days from the date of notification. Failure to submit documents within this period may result in temporary account suspension and withdrawal restrictions until the matter is resolved. The User agrees that 15win may hold funds while the verification process is underway, in accordance with anti-money laundering regulations.

Your 15win account is personal and non-transferable. The User is solely responsible for keeping their access credentials secure (email, password, and two-factor authentication code, when enabled). 15win strongly recommends enabling two-factor authentication, available in the account dashboard.

The User agrees to:

• Do not share your login, password, or account access with anyone.
• Notify 15win support immediately if you suspect any unauthorized access to your account.
• Do not use your account for commercial purposes, service resale, or exploitation of third parties.
• Not access the Platform using VPNs, proxies, or any other means of masking your actual location in order to circumvent geographic restrictions.
• Not use automated software, bots, or scripts to interact with the Platform.

15win is not liable for losses resulting from the User voluntarily sharing their credentials or from security vulnerabilities on the User's device (viruses, malware, etc.).

15win accepts the following deposit methods, all processed in Brazilian Real (R$):

• Pix — primary method, instant processing 24 hours a day, 7 days a week.
• Bank slip (Boleto bancário) — credited within up to 2 business days after payment.
• Credit and debit card (Visa and Mastercard) — subject to issuer approval.
• PicPay and Mercado Pago — processing subject to the terms of each digital wallet.
• TED Transfer — via Nubank, Itaú, Bradesco, Banco do Brasil, and other Brazilian financial institutions.

The minimum deposit is R$ 20.00. 15win does not charge any fees on deposits; however, any fees imposed by the User's financial institution are the User's responsibility. All deposited funds must be of lawful origin and belong exclusively to the account holder. 15win reserves the right to request proof of the source of funds for large deposits.

Withdrawals are available for Real Balance free of any pending rollover requirements. To request a withdrawal, the User must:

• Have a verified account (full KYC required for withdrawals above established limits).
• Request withdrawals to a payment method registered under the same name as the account — 15win does not process withdrawals to third-party accounts.
• Respect the minimum withdrawal amount of R$ 20.00.

The standard processing time for Pix withdrawals is up to 30 minutes during peak hours, and typically under 5 minutes at other times. Withdrawals via other methods may take up to 3 business days. Higher-tier VIP members receive priority processing with faster turnaround times.

15win may hold or delay a withdrawal in the following situations:

• Pending KYC verification or missing documents.
• Suspected fraudulent activity or violation of these Terms.
• Unfulfilled bonus rollover on the requested balance.
• Investigation of prior chargebacks or payment disputes.

15win offers pre-match and live betting on more than 30 sports, including football (Brasileirão Série A, Copa do Brasil, Libertadores, Sul-Americana), basketball (NBB), volleyball, MMA/UFC, tennis, e-sports, and more. By placing a bet, the User agrees to the following conditions:

• A confirmed bet is final and cannot be cancelled or changed by the User after confirmation, except where the cashout feature is available for that specific bet.
• The odds displayed at the time of confirmation are the odds that apply to the bet. Any subsequent changes do not affect bets already placed.
• If an event is suspended or cancelled before it starts, the bet is refunded to the User's Real Balance.
• In combo bets, if one of the events is canceled, that selection is removed from the combo and the odds are recalculated based on the remaining events.
• Obvious pricing errors (odds clearly outside the market due to a technical failure) may be cancelled by 15win, with a full refund of the amount wagered.

15win reserves the right to limit the maximum bet amount per event, per market, or per User, at any time and without prior justification.

The 15win casino section includes crash games (such as Aviator and Spaceman), slots, roulette, live blackjack, and live baccarat, among others. All games are provided by internationally licensed suppliers and use Random Number Generators (RNG) certified by independent laboratories.

By using casino games and crash games, the User acknowledges that:

• Results are determined by RNG and are genuinely random — no pattern or strategy guarantees consistent profit.
• The RTP (Return to Player) of each game is provided by the game supplier and represents a long-term statistical average, not a guaranteed return per session.
• 15win does not manipulate game outcomes — the system is auditable and, for games with provably fair technology, Users can mathematically verify the randomness of each round.
• Welcome bonuses and other promotional credits may be restricted for use on certain casino games — check the terms of each promotion for details.

In the event of a technical failure during a round (server disconnection, etc.), the bet in progress is settled based on the data recorded on the game provider's server up to the point of failure. The server record takes precedence over any screenshot or data from the User's device.

15win offers a variety of promotions for both new and existing customers. Each promotion has its own specific terms published on the promotions page. The general conditions that apply to all promotions are:

• Bonuses are granted only to accounts that comply with these Terms and have verified registration details.
• The welcome bonus is valid exclusively for each CPF's first deposit — one use per customer.
• The standard rollover for the welcome bonus is 5x the bonus amount on bets with odds equal to or greater than 1.50. Bets on markets with odds below 1.20, cancelled bets, or bets on ineligible events do not count toward the rollover calculation.
• The standard deadline for completing the rollover is 30 calendar days from the moment the bonus is received. Any unconverted bonus balance after the deadline is automatically cancelled.
• Withdrawing your balance before completing the rollover automatically cancels the bonus and any winnings generated from it.
• 15win may cancel bonuses or promotions if there is suspicion of abuse, multiple accounts, or any behavior indicating systematic exploitation of offers.

15win believes that sports betting and casino games are forms of entertainment and should be enjoyed responsibly. The platform provides the following self-control tools, accessible directly from the account dashboard:

• Deposit limits: set a maximum deposit amount per day, week, or month.
• Loss limit: set the maximum loss amount you are comfortable with over a given period.
• Session time limit: receive alerts or be automatically logged out after a continuous session.
• Temporary self-exclusion: suspend access to your account for periods of 24 hours, 7 days, 30 days, or 90 days.
• Permanent self-exclusion: permanently close your account. After a permanent self-exclusion, 15win will not accept a new registration under the same CPF.

If you feel that gambling is negatively affecting your finances, relationships, or mental health, stop and seek help. The Conselho Federal de Medicina and CVV (Centro de Valorização da Vida) offer support resources available 24 hours a day.

15win reserves the right to unilaterally impose limits or close the account of any User showing signs of compulsive gambling behavior, as part of its commitment to responsible gaming.

The following conduct is expressly prohibited on the 15win platform:

• Creating more than one account, whether in your own name, on behalf of others, or using fictitious information.
• Using automated software (bots), scripts, or any tool that simulates human activity on the Platform.
• Manipulating or attempting to manipulate betting outcomes, including through insider information or match-fixing.
• Making deposits and withdrawals with the primary purpose of laundering money or concealing the origin of illicit funds.
• Deliberately and repeatedly exploiting technical errors, system failures, or incorrect odds.
• Transfer balances between accounts held by different individuals.
• Filing chargebacks without legitimate justification after using the deposited balance to place bets.
• Intimidating, threatening, or harassing members of 15win's support team.

If any of these behaviors are identified, the account may be immediately suspended, all balances cancelled (including winnings obtained during the period of fraudulent activity), and, where applicable, the matter reported to the relevant authorities in accordance with Brazilian anti-money laundering legislation (Law No. 9,613/1998 and its updates).

The User may close their account at any time by contacting 15win support via email or chat. Before closure, all available Real Balance withdrawals must be requested — balances not withdrawn within 30 days of the closure request may be forfeited.

15win may suspend or close an account in the following situations:

• Violation of any clause of these Terms.
• Failed KYC process or suspected use of fraudulent documentation.
• Self-exclusion request submitted by the User.
• Court order or administrative order from a competent authority.
• Extended account inactivity (as defined by the current inactive accounts policy).
• Detection of fraud, money laundering, or match-fixing activity.

In cases of account closure due to a Terms violation, 15win may hold balances while the investigation is ongoing. Balances arising from confirmed fraudulent activity will not be returned.

15win makes every effort to keep the Platform available and functioning correctly. However, uninterrupted availability cannot be guaranteed, particularly during scheduled maintenance, third-party infrastructure failures, or events beyond 15win's control.

15win is not responsible for:

• Losses resulting from bets placed by the User — all gambling decisions are the User's sole responsibility.
• Damages resulting from unauthorized access to the User's account due to the User's own negligence (password sharing, compromised device, etc.).
• Temporary unavailability of the Platform for technical or maintenance reasons.
• Odds changes resulting from natural market movements prior to bet confirmation.
• Casino game results provided by third-party suppliers — in such cases, the supplier's terms apply in addition to these Terms.

Under no circumstances shall 15win's total liability to a User exceed the total amount deposited by that User in the 12 months prior to the event giving rise to the claim.

The processing of User personal data by 15win is governed by the General Personal Data Protection Law (LGPD – Lei nº 13.709/2018) and is detailed in the Privacy Policy, which forms an integral part of these Terms.

In summary, 15win collects and processes Users' personal data for the following purposes:

• Delivery of contracted services (Sports Betting, casino, payments).
• Identity verification (KYC) and fraud prevention.
• Compliance with legal and regulatory obligations.
• Communications about promotions and news, when the User has given consent.
• Ongoing Platform improvement based on usage behavior (anonymized data).

Your data is never sold to third parties. Sharing only occurs when necessary to operate the service (payment processors, game providers) or when required by law. Under the LGPD, you have the right to access, correct, delete, or port your data — simply contact 15win support.

15win reserves the right to modify these Terms at any time. Users will be notified of changes with a minimum advance notice of 7 calendar days before they take effect, except where immediate changes are required by law, court order, or to protect the security of the Platform.

Communication will be made via:

• Email notification to the registered address.
• Prominent notice displayed on the Platform at login.
• Updating the "last reviewed" date at the top of this page.

Continued use of the Platform after the notice period constitutes acceptance of the updated terms. If you do not agree with the changes, you must close your account before they take effect.

These Terms are governed by the laws of Federative Republic of Brazil. Any dispute arising from use of the Platform or these Terms will be submitted to the jurisdiction of the competent Brazilian courts.

Before pursuing legal action, the User agrees to attempt an amicable resolution through 15win's support channel, available 24 hours a day via live chat and by email suporte@15win.life. 15win is committed to responding to formal complaints within 5 business days.

Users may also file complaints on the Consumidor.gov.br platform, overseen by the Ministry of Justice and Public Security, as provided under consumer protection legislation (Law No. 8,078/1990 — Consumer Defense Code).