Responsible Gambling

Responsible Gambling Policy

1. Our Commitment

upc0z, operated by UPCOZ Pty Ltd, is committed to promoting responsible gambling and to giving our customers practical tools to stay in control of how much time and money they devote to gambling.

upc0z is committed to minimising gambling harm and supports customers to wager within their means. This policy describes the harm-minimisation tools available, the indicators of gambling harm and problem gambling, and the support services available to customers, their families and friends.

Wagering services are restricted to verified account holders aged 18 or older.

For the majority of people, gambling is simply a form of entertainment and never becomes a concern. For a smaller number, however, gambling can develop into a problem.

Gambling always carries the risk of losing the money that is staked. By opening a betting account and placing bets, customers recognise and accept that this risk exists.

Responsible gambling means only wagering money you are genuinely able to lose. It also means not devoting an excessive amount of time to gambling, particularly where doing so causes you distress or starts to interfere with family, work or other important parts of your life.

To help you stay in control, the following harm-minimisation tools are available to every customer from the responsible gambling section of your account:

• Deposit limits — cap how much you can deposit over a rolling daily, weekly or monthly period
• Loss limits — cap the net amount you can lose over a set period
• Spend limits — cap the total amount you can stake over a set period
• Reality checks — on-screen reminders of how long you have been logged in and your net position
• Self-exclusion — exclude yourself from Betting or Showdown with us for 7 days to 5 years, or permanently

How to Gamble Responsibly

Keep gambling fun by following a few simple habits:

• Gamble only with money you can afford to lose
• Don't chase losses — accept them as the cost of the entertainment
• Take regular breaks
• Don't gamble under the influence of alcohol or drugs
• Set your limits before you start

2. Support Services

Help with gambling problems, for you or for someone you care about, is offered by services that have nothing to do with us. The National Gambling Helpline (Gambling Help Online) answers 1800 858 858 day and night, and gamblinghelponline.org.au has online chat and email counselling. Calls and chats are free and private. Because the helpline is independent, questions about your account, deposit limits or self-exclusion should come to us at support@upc0z.com.

Where a customer asks us for information or help concerning a gambling problem, we will direct them to this Responsible Gambling Policy and to the gambling support services listed above. Where a customer asks about self-exclusion, we will direct them to this Policy or to the relevant responsible gambling tools that we make available.

3. Minors and Age Verification

People under the age of 18 are not permitted to open a betting account or to place a bet with us. Our systems include a control designed to stop minors from registering an account, and each customer's date of birth is verified as part of the account-opening process.

If you are concerned that a young person may be at risk, additional youth-focused support is available on 1800 262 376.

4. No Credit Betting

We do not extend credit, advance funds or lend money to customers for the purpose of gambling. You can only bet using funds that you have already deposited into your account.

5. Encouraging Control and Account History

We encourage all customers to avoid prolonged or intensive gambling sessions of the kind that can develop into problem gambling. You can review your full transaction history at any time through the account section of our platforms, or you can contact us and ask us to provide it to you.

6. Pre-Commitment (Deposit Limits)

Every customer must set a pre-commitment (deposit) limit before making their first deposit. A deposit limit caps the total amount that can be deposited into a betting account over a rolling Daily, Weekly or Monthly period — that is, the last 24 hours, the last 7 days or the last 30 days, counted back from the moment of each deposit. A deposit is accepted only if the deposits already made in that window plus the new deposit do not exceed the limit. There is no reset at the end of a calendar day, week or month. Deposit limits can be set and managed in the responsible gambling section of your account. See the Deposit limits page for full details.

Customers are prompted at least annually to review their deposit limit setting.

A first pre-commitment limit takes effect immediately once the customer saves it in the responsible gambling section of their account.

Once a pre-commitment limit is in place, the customer must not open or operate any other betting account with us, or take any other step intended to get around the limit.

A customer may reduce their pre-commitment limit at any time, and a reduction takes effect immediately. A request to increase a pre-commitment limit — including a request to remove it, which is treated as an increase — is scheduled and takes effect automatically after 7 days, giving the customer time to reconsider. No further confirmation is required. Until the increase takes effect, the existing limit continues to apply. The customer can cancel a pending increase at any time before it takes effect by setting the limit again at or below the current level.

7. Self-Exclusion

We offer customers the ability to self-exclude from betting with us. This operator self-exclusion is separate from BetStop, the National Self-exclusion Register (see section 10).

Operator-level self-exclusion is activated from inside the account, in the responsible gambling section. The customer chooses the product it applies to (Betting or Showdown) and either a temporary period of between 7 days and 5 years (1,825 days), or a permanent exclusion. The self-exclusion is effective immediately once selected and confirmed. No email or paper form is required. For full details, see the Self-exclusion page.

A request to close an account is not, by itself, a request for self-exclusion. To self-exclude, the customer must complete the in-account self-exclusion process in full.

While a self-exclusion is in force, the customer must not open or operate any other betting account with us, or take any other step intended to get around the self-exclusion.

When a temporary self-exclusion period ends, the account is not automatically reopened and betting does not resume automatically. The account stays locked until the customer actively requests reactivation in writing by emailing support@upc0z.com. Before reactivating the account, we check that the customer is not registered with BetStop and confirm that their identity details are current. A permanent self-exclusion cannot be reversed. A customer who wishes to extend a temporary self-exclusion, or to move to a permanent self-exclusion, must submit a fresh request.

An operator self-exclusion applies only to this platform and brand, and only to the product selected: a Betting self-exclusion does not cover Showdown, and a Showdown self-exclusion does not cover Betting. A customer who wants to exclude from both products must apply a self-exclusion to each. Our other responsible gambling tools, such as deposit limits and account closure, also apply only to this platform and brand. If a customer wants to self-exclude from another bookmaker, they must arrange that directly with that operator, or register with BetStop, which covers all licensed Australian online and phone wagering services, including both of our products (see section 10).

8. Account Closure

You can close your account at any time through the responsible gambling section of your account.

An account closure request made in any other one-to-one interaction — such as live chat, email or telephone — must be a clear, unconditional and unambiguous request to close the account. Any conditional, vague or ambiguous statement will not be treated as a closure request. For example, "Please close my account" is a clear request, whereas "if you don't give me a bonus bet, close my account" is conditional and is not a closure request. Your account remains open until we confirm that we have received and actioned your closure request.

9. Barring Orders (South Australia)

Barring orders are available to South Australian residents only. If you are a South Australian resident and wish to have a barring order put in place, please contact us and clearly and expressly request a South Australian barring order. This requires a form to be completed and submitted to the relevant South Australian authority, which decides whether a barring order is made.

10. BetStop — The National Self-Exclusion Register

BetStop is Australia's National Self-exclusion Register, established under Part 7B of the Interactive Gambling Act 2001 (Cth) and administered by the Australian Communications and Media Authority (ACMA). It is a free service for anyone who wishes to exclude themselves from all licensed Australian online and phone wagering services at once.

BetStop is separate from our operator self-exclusion (see section 7). A BetStop registration covers all licensed Australian online and phone wagering services, including all of our products — Betting and Showdown. While a person is registered with BetStop, we must not open an account for them, accept bets from them or send them marketing, and we must close or suspend any existing account they hold with us.

Registering with BetStop, and changing or ending a BetStop registration, are handled by BetStop, not by us. Information about BetStop, including how to register, is available at betstop.gov.au or by calling 1800 238 786.

11. Advertising and Inducements

We conduct our advertising and promotional activity responsibly and in line with the National Consumer Protection Framework and applicable advertising codes. We do not offer or promote any credit, voucher, reward or other inducement to open an account, to refer another person, or to gamble that is prohibited under those rules. We do not target minors or vulnerable people with our advertising.

12. Customer Interaction

We monitor for indicators that a customer may be experiencing gambling-related harm and may interact with customers where those indicators are present. Such an interaction may include providing information about this Policy, about the responsible gambling tools available, and about the support services listed here.

13. Staff Training

Our relevant staff receive training so they can recognise potential signs of gambling-related harm, respond appropriately to customers who raise concerns or seek help, and correctly apply this Policy and its associated tools, including deposit limits, self-exclusion, account closure and the handling of support enquiries. Training is refreshed periodically.

14. Indicators of Gambling Harm

Gambling harm can affect anyone. Common indicators that gambling may be becoming a problem include:

• Spending more money or time on gambling than you intended or can afford
• Chasing losses by betting more to try to win back money
• Borrowing money, selling possessions or going without essentials to gamble
• Feeling anxious, guilty, irritable or depressed about gambling
• Lying to family, friends or yourself about how much you gamble
• Neglecting work, study, family or social responsibilities
• Gambling to escape stress, boredom or low mood

15. Indicators of Problem Gambling

Problem gambling is gambling that causes harm to the person, their family or the community. Signs that gambling has become a serious problem include an inability to stop or cut back despite wanting to, gambling with money needed for bills or living costs, relationship breakdowns linked to gambling, and continuing to gamble even when it is no longer enjoyable. If you recognise these signs in yourself or someone else, the support services listed below can help.

16. Self-Assessment Tool

You can carry out a short self-check at any time. Ask yourself the following questions, answering yes or no:

1. 1. Do you bet more than you can comfortably afford to lose?
2. 2. Have you tried to win back money you have lost (chasing losses)?
3. 3. Have you borrowed money or sold anything to fund gambling?
4. 4. Has anyone close to you expressed concern about your gambling?
5. 5. Do you feel guilty, anxious or low about the way you gamble?
6. 6. Has gambling caused you to miss work, study or family commitments?

If you answered yes to one or more of these questions, your gambling may be causing you harm. We encourage you to use the tools in this Policy, such as deposit limits, reality checks and self-exclusion, and to contact one of the support services listed below.

17. Reality Checks

You can set a reality check that displays an on-screen reminder at intervals you choose, showing how long you have been logged in and your net position for the session, so you can decide whether to continue or stop. This feature is available in the responsible gambling section of your account.

We do not offer a separate short "time-out" feature. If you want to take a break from betting, you can self-exclude for any period from 7 days to 5 years, or permanently (see section 7).

18. Loss and Spend Limits

In addition to deposit limits, you can set loss and spend limits that cap the net amount you can lose, or the total amount you can stake, over a defined period. Decreases to these limits take effect immediately. Increases are subject to a 7-day cool-off period before they apply.

19. Activity Statements

Each account holder receives an activity statement summarising deposits, wagers, wins, losses and net position. The first statement is issued 14 days after account opening; subsequent statements are issued monthly while the account remains active. All statements are available for download from inside the account at any time.

20. State and Territory Support Services

Free and confidential help is available in every state and territory.

• NSW — GambleAware NSW. gambleaware.nsw.gov.au
• VIC — Gambler's Help. gamblershelp.com.au
• QLD — Gambling Help Queensland. 1800 858 858
• SA — Gambling Help SA. gamblinghelpsa.org.au
• WA — Gambling Help WA. gamblinghelponline.org.au
• TAS — Gamblers Help Tasmania. gamblinghelptas.org.au
• ACT — Gambling Support Service ACT
• NT — Amity Community Services (NT)

Anywhere in Australia, you can reach Gambling Help Online on 1800 858 858 at any hour. BetStop, the national self-exclusion register, is available at betstop.gov.au.

21. Family and Friends Support

Gambling harm affects families and friends as well as the person gambling. If someone close to you is experiencing gambling harm, you can seek support and advice in your own right. The state, territory and national services listed above provide free and confidential help to families and friends, including counselling, financial guidance and information about how to support a loved one.

22. Multicultural and Aboriginal and Torres Strait Islander Services

Culturally appropriate support is available. Gambling Help Online offers assistance in multiple languages and can arrange interpreters through the Translating and Interpreting Service (TIS National). Dedicated support for Aboriginal and Torres Strait Islander people is available through Gambling Help Online and through local Aboriginal community-controlled health services.

23. Financial Counselling

Free, independent and confidential financial counselling is available through the National Debt Helpline on 1800 007 007. Financial counsellors can help with budgeting, dealing with debt, and negotiating with creditors where gambling has caused financial hardship.

24. Annual Deposit Limit Review

Customers are prompted at least annually to review their deposit limit setting.

25. Staff Training (Responsible Service of Wagering)

In addition to the training described above, relevant staff complete Responsible Service of Wagering training so they can recognise indicators of gambling harm, conduct appropriate customer interactions, and correctly apply the harm-minimisation tools described in this Policy. Training is refreshed periodically.

26. Governing Laws

This Policy is provided having regard to the laws and frameworks that apply to licensed online wagering in New South Wales, including the Interactive Gambling Act 2001 (Cth) — including Part 7B (National Self-exclusion Register), inserted by the Interactive Gambling Amendment (National Self-exclusion Register) Act 2019 (Cth) — the Interactive Gambling (National Self-exclusion Register) Register Rules 2022, administered by the Australian Communications and Media Authority (ACMA), the National Consumer Protection Framework (NCPF), and Responsible Service of Wagering training requirements.

27. Complaints

Complaints under this Responsible Gambling Policy can be made to us by emailing support@upc0z.com or using the contact details on the Contact Us page of our platforms. We will acknowledge your complaint within 1 business day, provide an initial substantive response within 2 business days, and aim to resolve it within 21 calendar days. If a customer is not satisfied with our response, they may escalate the complaint to Liquor & Gaming NSW. For full details of our complaints process, see the Complaints page.

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*The odds favour the bookmaker, not you. Talk to Gambling Help Online for free on 1800 858 858 or at gamblinghelponline.org.au, and the conversation stays private.*