General Terms & Conditions

General Provisions

The provisions contained in these General Terms & Conditions are subject to change without notice. It is the responsibility of any person seeking to rely on these General Terms & Conditions to ensure that they are making reference to the most recent version of our General Terms & Conditions by visiting the PuntNow Website.
Where they appear in these General Terms & Conditions, the following terms and expressions have the meaning attributed to them in this Clause:
1. "Customer" means a registered holder of a PuntNow Customer Account.
2. "Customer Credentials" means your PuntNow User ID and access password.
3. "PuntNow Rules" means any rules from time to time propagated by PuntNow in respect of the PuntNow Website and its use, and include:
  1. These General Terms & Conditions; and
  2. The PuntNow Wagering Rules.
4. "PuntNow Website" means our wagering website located at www.puntnow.com.au.
Any references to "you" or "your" in these General Terms & Conditions is a reference to a PuntNow Customer.
Any references to "we", "us" or "our" in these General Terms & Conditions is a reference to PuntNow.
By opening a PuntNow Customer Account, you agree to be bound by the terms and conditions set out hereunder and the PuntNow Wagering Rules.
By opening a PuntNow Customer Account, you agree to receive information and promotional material from PuntNow and understand that you can cancel this service at any time
These General Terms & Conditions shall be governed by, and construed in accordance with, the Laws of the State of Victoria and, in the event of any dispute arising from or in connection with these General Terms & Conditions, PuntNow and the Customer irrevocably submit to the exclusive jurisdiction of the courts of Victoria.
No rule of contract interpretation may be applied in the interpretation of these Rules to the disadvantage of a party on the basis that it prepared or put forward these Rules or any document forming part of these Rules.
You agree that it is your responsibility to pay any tax or duty imposed on you by any competent authority in connection with your wagering activity.

About PuntNow

'PuntNow' is the trading name of PuntNow Pty Ltd.
You agree that PuntNow offers a wagering service whereby Customers have the ability to place a bet with the possibilities of a win or a loss.
PuntNow is licensed by Racing Victoria and regulated by Victorian Gambling and Casino Control Commission to accept wagers via the Internet and the telephone 24 hours a day.

Customer Identification

Identity Verification Requirements
1. Under Australian law including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the Australian Rules of Racing, you are required to verify your identify in order to use your PuntNow Customer Account.
2. As of 29 September 2023, Puntnow required by the Act to verify a Member's identification information (ID) before they can transact on their Account. If a Member's Account is opened but not verified, they will be unable to deposit/withdraw funds, place bets or otherwise transact on the account until it is verified.
3. If you have not successfully verified your identity by the time set out in the preceding Clause your PuntNow Customer Account will be suspended indefinitely during which period you will not be able to access wagering functionality or perform any banking functions. Please note that any wagering transactions successfully placed prior to the suspension of your PuntNow Customer Account will stand.
4. In order to verify your identity, you may be required to provide additional information or upload documentation including, without limitation:
  1. A current Australian Driver's Licence;
  2. A current Australian Passport; and/or
  3. A utility bill (no more than three (3) months old) on which the name and address used for registration of the Customer Account is prominently displayed.
5. If you are required to provide additional documentation in accordance with the preceding Clause, you may also be required to provide originals or certified copies where necessary.
Third-Party Identity Verification Services
1. PuntNow may engage a third-party to provide identity verification services in order to more efficiently and comprehensively verify the identity of PuntNow Customers.
2. Your personal information may be supplied to any third-party engaged by PuntNow to provide identity verification services.
3. The process of verifying your identity may involve checking your personal information against third-party and government databases and/or credit headers.

Management of Your Customer Account

Customer Information
1. You are responsible for ensuring that all personal information in your PuntNow Customer Account is kept current. You must notify us immediately if any of your personal information changes.
2. You agree that, by opening a PuntNow Customer Account, we may use your personal contact information (including your phone number and your emailing and mailing addresses) to keep you informed about PuntNow products, promotions, services and events from time to time.
3. Except as required by law, we confirm that we will not sell or distribute your personal information to any third-party without your prior consent. There are limited circumstances where we may be required to provide a third-party with access to your personal information including, without limitation, where a regulatory authority or sports controlling body requests said access for the purposes of an investigation or as part of an integrity protocol. In the event that we are required to provide a third-party with access to your personal information, we will only provide said access to the extent necessary to comply with the request or demand of the relevant regulatory authority or sports controlling body.
Customer Credentials
1. You are responsible for ensuring that your Customer Credentials (which include your name, address, telephone number, payment/bank details and password) are kept confidential. If you suspect that the confidentiality or security of your Customer Credentials have been compromised, you should notify PuntNow immediately.
2. You are responsible for ensuring that your Customer Credentials are kept up-to-date and to notify us immediately of any errors. In the event that you have not kept your Customer Credentials up to date, PuntNow reserves the right to suspend the Account.
3. You are able to update your password via the PuntNow Website, or via the telephone provided that your identity is able to be verified by the PuntNow operator.
4. If you have updated your password, PuntNow reserves the right to reject or invalidate any subsequent transaction made or attempted to be made using your former Customer Credentials.
Activity in Customer Account
1. You will be responsible for any and all activity in your PuntNow Customer Account, except where you have provided notice in accordance with the previous Clause.
2. Any wagers submitted via your PuntNow Customer Account will be deemed to have been validly submitted by you and, once accepted, may not be modified, cancelled or voided except at the sole and absolute discretion of PuntNow Management.
3. You will not attempt to use the PuntNow Website to deliberately transfer money from one Customer Account to another by attempting to match the bets of another Customer Account holder through collusion.
4. Customers are permitted to only have one account with PuntNow per person. Evidence that may be relevant to our investigation of any suspected breach of this clause include your IP address and residential address.
Errors & Miscalculations
1. We reserve the right to annul, void or reverse any transaction subject to any error or miscalculation.
2. You will inform us as soon as you become aware of any error or miscalculation in the processing or settling of any transaction in your PuntNow Customer Account.

Customer Conduct

Creation of Accounts
1. In order to open a PuntNow Customer Account, you must be aged eighteen (18) years or above.
2. You must not open, or attempt to open, a PuntNow Customer Account using another person's identity or personal information.
3. You must not allow your PuntNow Customer Account to be operated by a third-party.
4. You must not access, operate or use, or attempt to access, operate or use, another person's PuntNow Customer Account.
5. We may, in our sole and absolute discretion, impose any limits or conditions on any Customer Account that has been opened on a device or network that is shared (including within a particular residential address) or otherwise unsecured.
6. Except where expressly authorised by PuntNow Management, you may not have more than one (1) PuntNow Customer Account.
Use of Your Customer Account
1. Your Customer Account is for your personal use only. You must not permit another person to access your Customer Account nor use your Customer Account on behalf of, or for the benefit of, another person or persons.
2. You will not in any way disguise, interfere with, or prevent or inhibit us from identifying, the IP address of the device you are using to access the PuntNow Website.
3. You will not make offensive or potentially defamatory or inflammatory remarks in connection with the PuntNow Website.
4. You will not be abusive or threatening towards PuntNow staff in all of your dealings and communications with PuntNow.
5. You will not engage in any fraudulent, improper, misleading, manipulative or other unacceptable activity (whether or not unlawful) in relation to your access to or use of your Customer Account or our services. Such activity may include (but is not limited to):
  1. The use or attempted use of any software-assisted methods or techniques or hardware devices to manipulate, or interfere with the operation of, the PuntNow platform or any aspect thereof;
  2. The introduction or attempted introduction of any virus or other harmful or malicious application or material to the PuntNow platform or any aspect thereof;
  3. The introduction or attempted introduction of any defamatory, obscene, abusive or unlawful material to the PuntNow platform or any aspect thereof; or
  4. The abuse of any promotions or bonuses offered by PuntNow.
  5. You are not permitted to be, operate an account with us or otherwise access or use our website or app using any type of automated, systemic, artificial, obscured or computerise method/s including a VPN, proxy server, data extraction or scraping. You agree that this is a material condition of our terms and conditions. We reserve the right, in our sole discretion, to void any or all bets made in breach of this clause
Breach of PuntNow Rules
1. Where we suspect that you have breached our terms and conditions, we may suspend your account and conduct an investigation. Upon our request, you agree to provide us with any reasonable information that we request as part of our investigation such as statutory declaration witnessed by a JP, Cdec or legal practitioner, properly certified ID documents and certified bank statements or payment method statements, within the timeframe that we require this and by the manner that we request this from you such as originals posted to us. You agree that if you do not provide the information requested by us, within the timeframe that it is required by, or in the manner that we require it, that we may (in our discretion) conclude our investigation and or/draw an adverse inference from your failure to comply with our information request and other investigation requirements. You agree this is a material condition of our terms and conditions, and that this clause is reasonable to ensure the orderly operation of our business.
Breach of PuntNow Terms and Conditions
1. You agree that when we have reasonable grounds to conclude that you have breached our terms and conditions: (a) we may (in our discretion acting reasonably) void any pending or resulted bets, void unused bonus bets and promotional offers, void winnings from bonus bets and promotional offers, withold deposits, claw-back withdrawals and/or block your account; and (b) we can withold any funds in your account until any investigation and dispute are resolved.
2. If we reasonably believe that you have breached the Terms and Conditions or a relevant law, or there has been unusual activity on your Account, we may do one or a combination of the following
  1. (a) suspend or terminate your Account;
    (b) restrict you from withdrawing funds from your Account;
    (c) prevent you from accessing your Account and our Platforms;
    (d) require you to go through an Account reactivation process; and
    (e) require you to provide any additional information that is necessary for us to conduct an investigation and/or verify your compliance with the Terms and Conditions (including a statutory declaration, identification documentation or authority to verify information with your financial institution) even if you have provided this previously.
3. In order to comply with our Know Your Customer obligations we may request you to provide information about, and evidence of, how you fund your wagering Account (known as Source of Funds/Source of Wealth).

Deposits & Withdrawals

Deposits
1. You are able to fund your Customer Account by the following means:
  1. Debit Card;
  2. Electronic Funds Transfer;
  3. POLi Payments; or
  4. Bank Deposit.
2. PuntNow reserves the right to remove or restrict a Customer's access to the abovementioned payment methods for Customers who reside outside of Australia.
3. If PuntNow determines that you have deposited funds into your Customer Account which originate from a Bank Account, Debit Card or other payment facility that is not in your name, or which comprise monies provided to you by a third-party to be used for wagering, then PuntNow may (at its sole discretion) elect to refund the deposited funds directly back to their source. If this determination is made after the placement of bets in your Customer Account, PuntNow will not be obliged to pay any winnings which might otherwise have been payable to you or reimburse you for any loss incurred.
4. Debit Cards
  1. If you use a Debit card to fund your account, we may require that you provide us with a legible copy of the front and back of the relevant card.
  2. When sending a copy of the card, the middle 8 digits of the Debit card may be redacted for security purposes.
5. POLi Payments
  1. If you deposit funds via POLi Payments, PuntNow may (at its discretion) postpone the authorisation of any withdrawal requests until such time as the deposited funds are cleared funds.
Withdrawals
1. All deposited funds must be turned over at least once before withdrawals from your Customer Account will be authorised.(Please note additional turnover may apply for deposit offers)
2. You must have had your identity successfully verified before your will be able to withdraw funds from your Customer Account.
3. PuntNow reserves the right to withhold or cancel any pending withdrawals until the the method by which you have funded your Customer Account has been verified.
4. PuntNow endeavours to process all withdrawals received prior to 11:00am AEST Monday - Friday (excluding Public Holidays) on the same day that the withdrawal request is received.
5. PuntNow does not use Osko or any other instant payment services when processing withdrawals.
6. Withdrawals from your account will be declined/suspended pending receipt of each POLi Deposit.
7. The minimum withdrawal limit is $10 unless the total balance is less than the minimum withdrawal amount, in which event the customer can submit a request for the entirety of their remaining account balance.
8. In order for you to successfully request a withdrawal from your wagering account, we first require a copy of the front and back for all Debit cards used to fund your account. Debit Card verification is an important part of our anti-debit card fraud security measures and is our only method of ensuring that you are in possession of the Debit card used to make a deposit to your wagering account. In order to achieve this requirement securely, please ensure the middle numbers of your card have been 'blanked out'. We only require the first 6 and last 4 numbers be visible, as well as your full name and the expiry date of your card. For your security, please ensure that the CVV is 'blanked out'.
9. Without limitation, we reserve the right to withhold or delay the payment of withdrawals from your Account where:
  1. (a) we reasonably believe that the withdrawal is being made by another person and not by you;
    (b) we reasonably believe that one or more deposits were made by another person and not by you;
    (c) moneys deposited in your Account have not been received in our bank account in clear funds;
    (d) you have not bet through or turned over each amount deposited in your Account at least once (unless approved by us); or
    (e) you have not verified your Debit cards
Transaction Fees
1. We do not charge our Customers transaction fees in respect of deposits or withdrawals. We note, however, that you may be charged a fee by your financial institution for which it is your responsibility to pay.

Fraud & Other Illicit Activity

PuntNow reserves the right to withhold deposited funds, and/or any winnings to which you might otherwise be entitled, if we determine that your account has been funded fraudulently or via the misuse of a Debit Card. Your Customer Account will also be immediately and permanently closed.
PuntNow will report any instances of inappropriate or fraudulent use of Debit Card will be reported to the competent authority.
You agree and warrant that you will not cancel, or instigate any 'charge-backs', of any deposits made to fund your Customer Account without first obtaining the consent of PuntNow. In the event that any deposits to your Customer Account are cancelled or 'charged-back', you agree to indemnify us for any costs, claims, damages and expenses relating to or arising in connection with said cancellations or 'charge-backs', including (without limitation) those incurred by PuntNow in recovering the relevant amounts.
PuntNow reserves the right to:
1. Seek the fullest civil and criminal sanctions against any Customer involved in financial crime; and
2. To notify the relevant sport's governing body, or relevant competent regulatory or legal authority where we have reasonable grounds to suspect your involvement in financial crime or other illicit activity, without the need to provide you with prior notice.
If you dispute a financial transaction on your Customer Account relating to a third-party (e.g. Bank), PuntNow may temporarily suspend your Account, without notice, pending an investigation by us relating to the transaction. You agree to indemnify us for any costs, claims, damages and expenses relating to or arising in connection with such an investigation.
You must provide information that we may request about any payment methods such as copies of Debit cards. You must provide source of wealth or source of funds information or additional documentation that we request.
Where we suspect that you have breached our Ts & Cs, we may suspend your account and conduct an investigation. Upon our request, you agree to provide us with any reasonable information that we request as part of our investigation such as a statutory declaration affirming compliance with our Ts & Cs (witnessed by a JP, Cdec or legal practitioner), additional identification documents, bank statements or payment method statements or any other relevant information. You agree that you must undertake any additional steps to permit us to verify the authenticity of such documents including having documents certified (by a JP, Cdec or legal practitioner), allowing us to contact the person who certified any document and/or posting certified copies or original documents to us.
You agree that if you do not provide the information requested by us that we may (in our discretion, acting reasonably) conclude our investigation and/or draw an adverse inference from your failure to comply with our information request and other investigation requirements. You agree that this is a material condition of our Ts & Cs, and that this clause is reasonable to ensure the orderly operation of our business and prevent fraud.
If we have reasonable grounds to conclude that you have breached our Ts & Cs, we will communicate this to you, provide a reason and allow you seven (7) days to provide additional information. If you do not or are unable to demonstrate that you have complied with our Ts & Cs: (a) we may (in our discretion acting reasonably) void any pending or resulted bets, void unused bonus bets and promotional offers, void winnings from bonus bets and promotional offers, withhold deposits, claw-back withdrawals and/or block or close your account; (b) we can withhold any funds in your account until any investigation and dispute are resolved; and (c) you indemnify us against any loss or expense that we incur as a result of your breach of our Ts & Cs.
If you breach our terms and conditions or any law, we may report you to any relevant regulator or authority.

Dispute Resolution

If you have a dispute or greivance regarding a wager placed, or attempted to be placed, with PuntNow, please contact us via email at [email protected], or contact us via the Live Chat facility on our platform.
We will use our best endeavours to resolve the dispute in good faith as soon as practicable after receiving details of your dispute or greivance.
If any Dispute cannot be resolved between PuntNow and the Member, The Dispute must be referred to a representative of Racing Victoria via online or on phone.

Responsible Gambling

PuntNow does not allow persons under eighteen (18) years of age to open or hold a PuntNow Customer Account. If your children have access to the device that you use to access any of our wagering channels, we strongly recommend that you install parental control software to prevent them from gaining access and protect them from harm.
PuntNow does not actively or directly promote its services to individuals under the age of eighteen (18), nor to any Customers or persons who have requested to be removed from mailing or marketing lists or who have self-excluded or suspended.
We use all reasonable endeavours to help our Customers maintain control of their wagering and to protect vulnerable persons from gambling harm. If you are vulnerable to gambling harm or are having difficulty controlling your wagering, we strongly urge you to utilise the Responsible Gambling tools available on the PuntNow Platform (or by contacting us).
If you are a Customer that has previously self-excluded from PuntNow, you must not subsequently attempt to open another Customer Account. PuntNow makes all reasonable efforts to prevent the creation of duplicate Customer Accounts, however, if you are successful in opening a duplicate Customer Account, you accept full responsibility and liability for your actions and for all activity on each of your Customer Accounts including, without limitation, any wagering losses.

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