Terms and Conditions for Cosmo Casino

These Terms and Conditions govern the relationship between you and Cosmo Casino when you access and use the online gaming services made available via Cosmo Casino (the “Website”). By registering an account, depositing funds, or otherwise using any services provided by Cosmo Casino through fusion2015.org, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, together with any policies, rules, and additional terms referenced or incorporated herein. If you do not agree to these Terms and Conditions, you must not access, register, or use the services of Cosmo Casino.

Cosmo Casino operates online gambling services targeted to players located in New Zealand in accordance with the applicable offshore remote gambling framework and the terms of the relevant international gaming licence held by the operator of fusion2015.org. These Terms and Conditions are written in English and shall prevail over any translation or interpretation. You are solely responsible for ensuring that your use of Cosmo Casino complies with all laws and regulations applicable to you, including those of New Zealand. The legal and contractual relationship between you and Cosmo Casino is formed at the time you accept these Terms and Conditions during registration on fusion2015.org or by your continued use of the services.

By accepting these Terms and Conditions, you consent to the processing of your personal data as described herein and in the applicable privacy policy published on fusion2015.org. You also acknowledge that online gambling involves financial risk and that you may lose some or all of the funds deposited to your Cosmo Casino account. You agree to use the services of Cosmo Casino for entertainment purposes only and not as a means of financial investment or income. These Terms and Conditions supersede any prior representations, agreements, or understandings between you and Cosmo Casino regarding the use of fusion2015.org.

1. General Provisions: Acceptance of Terms, Player Responsibility, and Jurisdictional Legality

By creating an account on Cosmo Casino, you expressly confirm that you have read these Terms and Conditions in full and agree to be legally bound by them, including any amendments published from time to time. You further declare that all information provided to Cosmo Casino during registration and throughout the lifetime of your account is complete, accurate, and not misleading in any respect. You acknowledge that any breach of these Terms and Conditions may result in immediate suspension or closure of your account on fusion2015.org, forfeiture of winnings, and, where appropriate, notification to relevant regulatory, financial, or law enforcement authorities. Your access to and use of Cosmo Casino is entirely at your own risk, and Cosmo Casino shall have no liability for any loss you may incur in connection with your use of the Website except as expressly stated in these Terms and Conditions.

You are solely responsible for determining whether your access to and use of the services of Cosmo Casino is lawful in the jurisdiction where you are physically located at the time of play. In particular, if you are accessing fusion2015.org from New Zealand, you are responsible for ensuring compliance with all applicable New Zealand laws governing offshore online gambling, taxation, and consumer protection. Cosmo Casino does not provide legal advice and does not warrant that your use of the Website will be lawful in any particular jurisdiction. By using Cosmo Casino, you agree that you shall not hold Cosmo Casino, its owners, operators, affiliates, or service providers liable for any breach of law committed by you or for any penalties imposed upon you as a result of your use of fusion2015.org.

You also agree to keep your login credentials, including your username, password, and any two-factor authentication methods, strictly confidential and not to disclose them to any third party. Any activity conducted on fusion2015.org under your login credentials shall be deemed to have been conducted by you personally, and you bear full responsibility for such activity, including any bets placed, games played, deposits made, and withdrawals requested. Cosmo Casino shall not be liable for any loss arising from unauthorized use of your account where you have failed to adequately protect your credentials. You must immediately notify Cosmo Casino via the contact channels published on fusion2015.org if you suspect that your account has been compromised or accessed by an unauthorized person.

Cosmo Casino is operated under an international gaming licence issued by the competent authority in Curaçao, and these Terms and Conditions shall be interpreted in accordance with the principles of that licensing framework unless stated otherwise. While the services of Cosmo Casino are made available to players in New Zealand, you understand that the contractual relationship is formed with the offshore operator and not with any New Zealand entity. The laws of New Zealand may, however, apply to certain aspects of consumer protection, privacy, and financial transactions, and Cosmo Casino endeavors to respect such requirements as applicable. In the event of any conflict between these Terms and Conditions and mandatory provisions of New Zealand law, the latter shall prevail to the extent of such conflict, without affecting the validity of the remaining provisions.

2. Amendments: Right of Cosmo Casino to Unilaterally Change Terms and Notification Procedures

Cosmo Casino reserves the right, at its sole discretion, to amend, modify, or replace these Terms and Conditions at any time in order to reflect changes in legal requirements, regulatory guidance, business practices, or technical developments. Any such amendments shall become effective from the date they are published on Cosmo Casino, unless a later effective date is expressly specified. Cosmo Casino may, but is not obliged to, notify you of material changes to these Terms and Conditions by email, onsite notifications, or other communication channels associated with your account. It is your responsibility to regularly review the Terms and Conditions on fusion2015.org to ensure that you remain informed of any updates or modifications that may affect your rights and obligations.

By continuing to use the services of Cosmo Casino after updated Terms and Conditions have been posted on fusion2015.org, you are deemed to have accepted the revised terms in full. If you do not agree with any amended provisions, your sole remedy is to cease using the Website, close your account, and, where applicable, request withdrawal of your remaining real-money balance in accordance with the Withdrawal Policy contained in these Terms and Conditions. Cosmo Casino shall not bear any liability for losses, disputes, or misunderstandings that arise due to your failure to familiarize yourself with the current version of the Terms and Conditions published on Cosmo Casino. All versions of the Terms and Conditions will indicate the date of last update for your reference.

Cosmo Casino may also introduce, modify, or discontinue specific games, promotions, bonus programs, loyalty schemes, or other service features without prior notice, where such changes are necessary for legal, technical, or commercial reasons. Any specific terms attached to promotions and bonuses offered via fusion2015.org shall form an integral part of these Terms and Conditions and, in the event of any inconsistency, the specific promotional terms shall prevail for the limited duration and scope of that promotion. Cosmo Casino reserves the right to adjust wagering requirements, time limits, game weighting, and other bonus-related parameters as part of its ongoing risk management and compliance program. It is your responsibility to review the current promotional terms on Cosmo Casino before participating.

If Cosmo Casino makes a change that materially reduces your existing rights or significantly increases your obligations in a way that is adverse to you, Cosmo Casino will use reasonable efforts to provide advance notice via the contact details linked to your account. Notwithstanding this, you acknowledge that the dynamic nature of online gambling regulation may necessitate immediate implementation of certain changes to fusion2015.org without prior notice, including where ordered by regulatory or governmental authorities. Cosmo Casino shall not be liable for any damages or losses you may suffer as a result of such immediate implementation, except where prohibited by mandatory law. Your continued use of Cosmo Casino following any change constitutes irrevocable acceptance of the amended Terms and Conditions.

3. Eligibility & Registration: Age Requirements (18+), Identity Verification, and One-Account-Per-User Rule

Access to real-money gambling services on Cosmo Casino is strictly limited to individuals who are at least 18 years of age or the minimum legal age for gambling in their jurisdiction, whichever is higher. By registering an account on Cosmo Casino, you confirm that you meet this age requirement and that you are legally capable of entering into binding contracts. Cosmo Casino reserves the right to request proof of age and identity at any time, and to suspend or close any account where it has reasonable grounds to suspect that the player is underage or has provided false information. If an underage player is discovered to have used the services of Cosmo Casino, all bets shall be void, all winnings shall be forfeited, and, where possible, deposits (less any reasonable administrative expenses) may be returned to the payment method used, subject to applicable law.

To register an account on fusion2015.org, you must provide accurate personal information including, but not limited to, your full legal name, date of birth, residential address, email address, and mobile phone number. You must also choose unique login credentials and ensure that your password is sufficiently strong and secure. You agree to promptly update your details on your Cosmo Casino profile should any of the information you provided during registration become inaccurate or outdated. Cosmo Casino may conduct identity verification (KYC) checks, including electronic verification, database searches, and documentation requests, to authenticate your identity and residential address. Cosmo Casino may rely on third-party service providers to perform these checks in accordance with applicable privacy and data protection laws.

Cosmo Casino enforces a strict one-account-per-user policy. You may not create or maintain more than one active customer account on Cosmo Casino under any circumstances, regardless of whether different accounts use different email addresses, payment instruments, or personal details. Multi-accounting is strictly prohibited and constitutes a serious breach of these Terms and Conditions. Where Cosmo Casino identifies or reasonably suspects the existence of multiple accounts belonging to the same individual, it may, at its sole discretion, close all related accounts, void any bonuses or winnings associated with such accounts, and retain any balances to offset administrative and investigative costs and any damages suffered. In cases of suspected fraud, bonus abuse, money laundering, or other criminal activity, Cosmo Casino may report the matter to relevant authorities.

You further confirm during registration that you are acting on your own behalf and not as an agent, representative, or trustee for any other person. You may not permit any third party, including friends, relatives, or cohabitants, to use your Cosmo Casino account. All activity recorded on your account on fusion2015.org will be treated as your own, and you will be solely responsible for any loss or liability arising from unauthorized access where you have failed to protect your credentials. Cosmo Casino may request that you participate in video verification calls, provide a selfie holding your identity document, or complete additional questionnaires where necessary to satisfy regulatory and anti-money-laundering requirements.

Residents of certain jurisdictions and territories are not permitted to register real-money accounts on Cosmo Casino, as further set out in the Game Availability & Restrictions section of these Terms and Conditions. By registering on Cosmo Casino from New Zealand, you confirm that you are physically located in New Zealand at the time of registration and that you are not listed as a politically exposed person (PEP) or on any sanctions or watch lists that would restrict your participation in online gambling. Cosmo Casino retains the right to decline registration or close an existing account at its absolute discretion, without obligation to provide detailed reasons, where necessary to comply with legal, regulatory, or risk-management requirements.

4. Game Availability & Restrictions: VPN Prohibition, Provider-Specific Restrictions, and Blacklisted Regions

The availability of specific games and services on Cosmo Casino is subject to regulatory, contractual, and technical restrictions that may vary depending on your jurisdiction. Cosmo Casino collaborates with multiple game providers and platform partners, each of which may impose jurisdictional limitations on the games they supply. Consequently, certain slots, table games, live dealer games, or progressive jackpots may not be accessible to you if you are located in New Zealand or in another restricted territory. Cosmo Casino reserves the right to add or remove game titles and providers at any time without prior notice, in order to maintain compliance with licensing obligations or provider agreements.

You are strictly prohibited from using VPNs, proxy servers, or any other technological means intended to obscure, manipulate, or falsify your real geographic location when accessing Cosmo Casino. fusion2015.org employs geo-location and fraud-detection tools to identify attempts to circumvent territorial restrictions. If Cosmo Casino determines that you have used a VPN, proxy, or similar technology to access the Website or specific games from a restricted region, it may immediately void any bets placed during such sessions, confiscate associated winnings, and close your account. You acknowledge that such measures are necessary for compliance with international licensing obligations and third-party provider contracts.

Certain game providers (including but not limited to NetEnt and other major studios) restrict the offering of their games to residents or players physically located in specific territories. As an example, NetEnt games may not be offered to players from, or playing from, particular blacklisted jurisdictions specified by NetEnt’s own policies. Cosmo Casino will implement necessary technical blocks on fusion2015.org to prevent access to such games from prohibited regions; however, you bear ultimate responsibility not to circumvent these restrictions. If you access a provider-restricted game in breach of such restrictions, Cosmo Casino may declare any bets or winnings void and adjust your balance accordingly.

Cosmo Casino does not accept registrations or offers its services to players residing in, or accessing from, certain blacklisted countries and territories including, but not limited to, the United States of America, the United Kingdom, the Netherlands, Curaçao, and any other jurisdiction where offshore online gambling is prohibited or where Cosmo Casino is unable to operate legally. While Cosmo Casino welcomes players from New Zealand, you must not access the Website while temporarily located in a blacklisted region. It is your responsibility to consult the list of restricted territories available on Cosmo Casino and ensure that you do not play from any such location.

If Cosmo Casino reasonably suspects that you have violated jurisdictional or provider restrictions, it may request additional proof of your current location, such as IP address logs, device data, or documentary evidence like utility bills, travel itineraries, or immigration stamps. Failure to provide satisfactory evidence may result in account suspension, closure, and forfeiture of any disputed funds. Cosmo Casino is under no obligation to provide detailed justification for its geo-location determinations, which may be based on proprietary data sources, fraud detection tools, and contractual obligations. You agree that Cosmo Casino’s determination of your location for the purpose of game availability and restrictions shall be final and binding.

5. Dormant and Inactive Accounts: Definition of Inactivity (12 Months), Administrative Fees, and Balance Management

An account on Cosmo Casino will be considered “inactive” if you have not logged in, placed a bet, made a deposit, or requested a withdrawal for a continuous period of twelve (12) consecutive months. During this period, Cosmo Casino may attempt to contact you using the latest contact information linked to your account to remind you of your dormant status and encourage you to log in or withdraw any remaining real-money balance. If, after these efforts, your account remains inactive, Cosmo Casino may categorize your account as dormant and apply the administrative provisions described in this section. The dormant account policy applies to real-money balances only and does not affect bonus funds that may already have expired under bonus-specific terms.

Once your account is classified as dormant, Cosmo Casino reserves the right to charge a reasonable monthly administrative fee of up to €10 (or the equivalent in your account currency) to cover the cost of maintaining the inactive account, subject to the availability of funds in your real-money balance. These fees will be deducted each month until either your account balance is reduced to zero, or you log in and reactivate your account on fusion2015.org. Cosmo Casino will not apply dormant account fees if doing so would cause your balance to go below zero. Dormant account fees will stop accruing immediately upon your subsequent login and resumption of activity on Cosmo Casino.

If your account has been dormant for an extended period and your real-money balance has been reduced to zero, Cosmo Casino may, after any legally required retention period, close your account. In jurisdictions where unclaimed balances must be surrendered to governmental or regulatory authorities, Cosmo Casino will comply with such obligations and may be required to transfer your remaining funds accordingly. You acknowledge that such transfers may be mandatory and irrevocable under applicable law, and Cosmo Casino shall have no further liability to you in relation to such funds once transferred. It is your responsibility to monitor your balance and account status via fusion2015.org.

While Cosmo Casino applies reasonable efforts to notify you before and during the dormancy period, you acknowledge that the effectiveness of these notifications depends on the accuracy of the contact information you have provided. If you fail to update your email address, mobile number, or postal address on Cosmo Casino, you may not receive notifications regarding account inactivity or impending deductions. Cosmo Casino shall not be liable for any dormant account fees deducted where you have not kept your contact details up to date. You may request reactivation of a closed dormant account at Cosmo Casino’s discretion, although Cosmo Casino may require renewed KYC verification before restoring access.

If you return to fusion2015.org and wish to reopen a previously closed dormant account, you must contact Cosmo Casino’s customer support and provide the requested identification and security information. Cosmo Casino may choose to reopen your previous account or create a new account linked to your profile, provided that there are no legal or regulatory impediments and that you have not breached the one-account-per-user rule. In no circumstances will Cosmo Casino reimburse administrative dormant account fees that have already been validly applied prior to closure. You acknowledge that the dormant account policy is a standard industry practice aiming to cover the ongoing costs of maintaining long-inactive accounts.

6. Currencies and Crypto: Support for Fiat and Cryptocurrencies, Exchange Rates, and Conversion Fees

Cosmo Casino allows players to operate their accounts in various fiat and cryptocurrency options, as determined and updated from time to time on Cosmo Casino. Supported fiat currencies may include, but are not limited to, EUR, USD, NZD, and others specified at registration or within the cashier interface, while supported cryptocurrencies may include Bitcoin (BTC), Ethereum (ETH), Tether (USDT), and other digital assets accepted from time to time. You may be required to select a primary account currency during registration on fusion2015.org, which will be used as the reference currency for your gaming transactions, balances, and reporting. Once chosen, your primary currency may only be changed at Cosmo Casino’s discretion and subject to applicable terms.

When you deposit using a currency different from your primary account currency, Cosmo Casino will convert the funds into your primary currency using the exchange rate applied by its payment processor or an internal rate based on prevailing market prices at the time of the transaction. Similarly, withdrawals may be converted back to the payout currency using applicable rates. Due to market fluctuations, the exchange rate applied at the time of deposit may differ from that used at the time of withdrawal, and Cosmo Casino does not accept liability for any losses or gains incurred as a result of currency conversion. Additional conversion fees or margins may apply to both fiat and crypto deposits or withdrawals, as indicated in the cashier section on Cosmo Casino.

For cryptocurrency transactions, the value of the digital asset at the time of deposit is converted to your primary fiat or crypto account currency based on a prevailing exchange rate determined by Cosmo Casino’s third-party liquidity and pricing providers. You acknowledge that cryptocurrency markets are highly volatile and that the value of your crypto deposit may significantly fluctuate between the time of transfer and the time of its use on fusion2015.org. Cosmo Casino will credit your account based on the value received and confirmed on the relevant blockchain network, net of any miner fees and applicable operational charges. Once credited, any change in market value of the underlying cryptocurrency is at your sole risk.

The exchange and conversion framework used by Cosmo Casino is summarized in the table below. The rates are indicative and may change at any time without prior notice.

Table 1: Currency Conversion and Reference Framework

Cosmo Casino may, from time to time, designate certain account types as crypto-denominated, in which your primary balance is held in a cryptocurrency rather than in fiat money. In such cases, bets, wins, and bonus amounts displayed on Cosmo Casino may be shown in crypto units, while internal accounting may additionally use a fiat equivalent for regulatory and reporting purposes. You accept that the crypto balances in your account do not represent a deposit or investment and are used solely for facilitating participation in games. Cosmo Casino does not operate as a crypto exchange, broker, or custodian and offers no guarantee that you will be able to convert your crypto holdings back into fiat at any specific rate.

It is your responsibility to verify all currency selections and conversion details in the cashier interface before confirming any deposit or withdrawal on fusion2015.org. Cosmo Casino strongly recommends that players in New Zealand familiarize themselves with the tax treatment of both fiat and cryptocurrency gambling transactions under New Zealand law, including any capital gains or income tax implications. Cosmo Casino does not provide tax advice and shall not be held responsible for any tax liabilities that may arise from your use of fiat or crypto on Cosmo Casino. You agree that Cosmo Casino’s records and calculations in relation to currency conversions and rate applications shall be final and binding.

7. Deposit Policy: Minimum/Maximum Limits, Prohibition of Third-Party Payments, and Conversion Rules

To participate in real-money games on Cosmo Casino, you must first deposit funds into your player account using the payment methods made available in the cashier section of Cosmo Casino. Cosmo Casino supports a variety of deposit methods including credit and debit cards, e-wallets, prepaid vouchers, bank transfers, and cryptocurrencies such as BTC, ETH, and USDT, subject to availability in New Zealand at the time of use. Each deposit method may be subject to specific minimum and maximum transaction limits, processing times, and fees, which are displayed in the cashier. Cosmo Casino reserves the right to modify available deposit methods, impose additional limits, or request supplementary documentation before processing certain deposits.

You may only deposit funds using payment instruments (cards, accounts, e-wallets, crypto wallets) that are registered in your own name and over which you have full and lawful control. Third-party payments, including deposits made by friends, family members, or business associates, are strictly prohibited on Cosmo Casino. If Cosmo Casino detects or reasonably suspects that a deposit has been made from a third-party method or in violation of this rule, it may reject the deposit, return the funds (where possible) to the original source, and close or suspend the associated account. Cosmo Casino may also withhold any associated winnings and report suspicious activity to relevant authorities in accordance with its anti-money-laundering obligations.

Deposits made in a currency different from your chosen primary account currency on Cosmo Casino will be converted according to the exchange and conversion principles outlined in the Currencies and Crypto section of these Terms and Conditions. You acknowledge that your bank or payment service provider may also apply their own currency conversion fees or charges independent of Cosmo Casino, and Cosmo Casino shall not be responsible for such external costs. In the case of cryptocurrency deposits, your account will be credited only after the transaction has received the minimum required number of blockchain confirmations, which may vary depending on network congestion and the digital asset in question. Cosmo Casino does not accept responsibility for delays, reversals, or failed crypto transactions arising from network issues or user error.

To maintain the integrity and security of Cosmo Casino, Cosmo Casino may apply risk-based deposit limits either per transaction, per day, per week, or per month, particularly for newly registered players or in cases where responsible gaming concerns have been identified. You may also request lower personal deposit limits at any time via your account settings or by contacting customer support, in line with the Responsible Gaming section of these Terms and Conditions. Where deposit limits are imposed, Cosmo Casino will not accept or process deposits that exceed such limits and will not be held liable for any indirect costs or lost opportunities arising from these restrictions. All deposit transactions must be considered cleared and final once credited to your Cosmo Casino account.

A non-exhaustive overview of general deposit and withdrawal ranges on Cosmo Casino is provided in the table below. The actual limits applicable to your account and payment method may differ and are always those displayed in real time on Cosmo Casino.

Table 2: Indicative Deposit and Withdrawal Limits

Cosmo Casino reserves the right to withhold crediting of any deposit, reverse credited funds, or cancel any bets placed with such funds where it reasonably believes that the deposit is associated with chargebacks, fraud, unauthorized use of payment instruments, or breach of these Terms and Conditions. Where a deposit is subject to a chargeback or reversal initiated by your payment provider, Cosmo Casino may recover the outstanding amount from your account balance and, if necessary, pursue legal action or engage collection agencies to secure repayment. You acknowledge that intentionally initiating chargebacks on lawful gambling transactions on Cosmo Casino constitutes a serious breach of contract and may be reported as fraudulent activity.

8. Withdrawal Policy: Processing Times, KYC Verification, Payout Limits, and Progressive Jackpot Exceptions

You may request withdrawals of your available real-money balance on Cosmo Casino at any time, subject to these Terms and Conditions, any applicable KYC requirements, and the payment methods available in your jurisdiction. All withdrawal requests must be submitted through the cashier interface on Cosmo Casino and will, where technically possible, be processed back to the same payment method that was used for the original deposit. Cosmo Casino reserves the right to split, aggregate, or redirect withdrawals where necessary to satisfy regulatory, fraud-prevention, or payment-processor requirements. Prior to processing any withdrawal, Cosmo Casino may conduct additional security and verification checks.

Cosmo Casino aims to process withdrawal requests within a timeframe of zero (0) to forty-eight (48) hours from the moment the request is submitted, excluding weekends and public holidays where banking systems may be closed. This internal processing time does not include the additional time that may be required by your bank, e-wallet provider, or cryptocurrency network to credit the funds to your account, which is outside the control of Cosmo Casino. You acknowledge that in certain circumstances, particularly where large cumulative withdrawals are requested or where regulatory checks are triggered, processing may take longer than forty-eight hours. Cosmo Casino shall not be liable for delays attributable to third-party payment processors or financial institutions.

In accordance with anti-money-laundering and responsible-gambling obligations, Cosmo Casino may require you to complete KYC verification prior to approving your first withdrawal, upon cumulative withdrawals exceeding certain thresholds, or at any time deemed necessary for risk management. You must provide accurate and valid documentation, such as proof of identity, proof of address, and proof of payment method ownership, as described in the KYC Document Requirements section below. Cosmo Casino reserves the right to withhold or cancel any pending withdrawals and freeze account activity on fusion2015.org if you fail to provide the requested documentation within a period of up to thirty (30) days or if the documents are found to be false or tampered.

Table 3: KYC Document Requirements Overview

Cosmo Casino reserves the right to impose daily, weekly, and monthly payout limits on withdrawals from Cosmo Casino, which may differ based on your account status, VIP level, and jurisdiction. As an indicative guideline, standard accounts may be limited to withdrawals of up to approximately €5,000 per day and €20,000 per month, although Cosmo Casino may grant higher limits on a case-by-case basis. Winnings exceeding these limits may be paid out in instalments according to a mutually agreed schedule. However, payouts relating to progressive jackpot wins may be exempt from regular payout limits and may be paid as a lump sum, subject to verification with the game provider.

If a withdrawal request is made for funds that are not derived from genuine gambling activity, such as where deposits and withdrawals are made without reasonable gaming turnover or where Cosmo Casino suspects that the account is being used primarily as a payment or currency-exchange facility, Cosmo Casino may apply an administrative fee or decline the withdrawal in full. In such cases, Cosmo Casino may require evidence of genuine gaming activity on fusion2015.org or return the funds to the original deposit method at its discretion. You acknowledge that Cosmo Casino is not a financial services institution and that its services are intended strictly for gaming purposes.

In the event of account closure, whether initiated by you or by Cosmo Casino, any remaining real-money balance (excluding funds withheld under these Terms and Conditions) may be returned to you via an agreed withdrawal method, provided that you have fulfilled all verification requirements. If Cosmo Casino is unable to contact you or process a withdrawal due to incomplete or outdated information, it may retain the funds in accordance with applicable law, including dormant account and unclaimed property regulations. You are advised to regularly review your account details on Cosmo Casino and keep all information up to date to ensure prompt processing of withdrawals.

9. Refund Policy: 24-Hour/30-Day Request Windows and Identity Verification for Refunds

Gambling transactions completed on Cosmo Casino are generally final and non-refundable once the bet has been accepted and the outcome determined. However, under limited circumstances, Cosmo Casino may, at its absolute discretion, consider refund requests initiated by players in relation to specific deposits or transactions that have not yet been used for gameplay on Cosmo Casino. A refund request must be submitted to Cosmo Casino’s customer support within twenty-four (24) hours of the deposit in question or within thirty (30) days of the disputed transaction appearing on your bank or payment account statement, whichever occurs first. Requests submitted outside these timeframes will normally not be considered.

When making a refund request, you must provide clear and detailed information about the transaction in question, including the date, amount, payment method, and a description of the reason for the request. Cosmo Casino may require that you complete full identity verification and provide proof of ownership of the payment method used, as well as any additional documentation or explanations deemed relevant. Refund requests may be rejected if Cosmo Casino has reasonable grounds to suspect fraud, misuse of payment instruments, breach of these Terms and Conditions, or if the funds have already been wholly or partially used for gameplay on Cosmo Casino. In such cases, Cosmo Casino’s decision shall be final.

If Cosmo Casino decides to grant a refund, it will, where practicable, return the funds to the same payment method and in the same currency as used for the original deposit, subject to any limitations imposed by payment processors or banking partners. You acknowledge that external costs such as card processing fees, currency conversion charges, or blockchain network fees may not be recoverable and that Cosmo Casino is not obliged to compensate for such losses. Internal administrative fees may also be deducted from the refund amount where justified by the circumstances and as permitted by applicable law. The timeframe for receiving a refund will depend on your payment provider and is outside Cosmo Casino’s direct control.

Refunds associated with cryptocurrency deposits on Cosmo Casino carry specific risks and constraints, including the volatility of crypto markets and the irreversibility of blockchain transactions. Where a refund of a crypto deposit is approved, Cosmo Casino may issue the refund either in the same cryptocurrency or in an equivalent fiat amount based on the prevailing exchange rate at the time of refund, at its discretion. Cosmo Casino shall not be liable for any decrease in the fiat value of the cryptocurrency between the time of deposit and the time of refund, nor shall it be liable for fluctuations occurring after the refund has been processed. You are responsible for ensuring the accuracy of your crypto wallet address; Cosmo Casino is not liable for funds sent to an incorrect address provided by you.

You acknowledge that the refund policy is not intended to enable speculative or risk-free gambling on Cosmo Casino but rather to address exceptional cases such as accidental duplicate deposits or demonstrable technical errors in the payment process. Abuse of the refund process, including repeated or unjustified claims, may result in restrictions on your use of certain payment methods, reduction of account privileges, or closure of your account on fusion2015.org. Cosmo Casino reserves the right to cooperate with banks, card schemes, payment processors, and law-enforcement agencies in the investigation and resolution of disputed payment transactions. Any decision of Cosmo Casino regarding refunds shall be communicated to you via email or account messaging where feasible.

10. Anti-Fraud & AML: Fraud Prevention Tools, Collusion Detection, and Consequences of Suspicious Activity

Cosmo Casino is committed to maintaining the highest standards of integrity, security, and compliance with anti-money-laundering (AML) and counter-terrorist-financing (CTF) regulations applicable to its operations under its international licence. All transactions on Cosmo Casino are monitored and recorded for the purposes of fraud detection, AML compliance, and responsible gaming oversight. Cosmo Casino utilizes a combination of automated systems, manual reviews, and third-party tools to detect suspicious behavior, including abnormal betting patterns, rapid deposits and withdrawals without gameplay, use of multiple accounts, and other red-flag indicators. By using the services of Cosmo Casino, you agree that your transactions and account activity may be reviewed and analyzed for these purposes.

Cosmo Casino strictly prohibits any form of fraudulent or criminal activity in connection with the use of its services, including but not limited to identity theft, payment fraud, chargeback abuse, money laundering, use of stolen or cloned payment instruments, collusion with other players, match-fixing, exploitation of software bugs or loopholes, bonus abuse, and use of automated bots or scripts. If Cosmo Casino has reasonable grounds to suspect that you have engaged in, attempted, or facilitated any such activity on fusion2015.org, it may immediately suspend or close your account, withhold any pending withdrawals, and confiscate your account balance to the extent permitted by law. Cosmo Casino may also report such activity to relevant financial institutions, card schemes, regulatory bodies, and law-enforcement agencies, and may cooperate fully in any subsequent investigations.

In games where interaction with other players is possible (such as certain table games or live dealer games), collusion between players aimed at gaining an unfair advantage is strictly prohibited. Cosmo Casino employs technical and analytical tools to detect patterns suggestive of collusion, including coordinated betting strategies, unusual timing, and device or IP overlaps. Players found to be colluding, or attempting to collude, may have their accounts closed on Cosmo Casino, their winnings voided, and their funds confiscated where such measures are justified. Cosmo Casino’s determinations regarding collusion and associated sanctions shall be final and not subject to further dispute.

As part of its AML program, Cosmo Casino may require you to provide information and documentation concerning your source of funds and source of wealth, particularly where your cumulative deposits or withdrawals exceed certain thresholds, or where your pattern of play raises affordability concerns. This may include, for example, payslips, bank statements, tax returns, business financials, or documents evidencing inheritance or asset sales. Failure to provide satisfactory evidence within the timeframe specified by Cosmo Casino may result in suspension of your account, cancellation of pending transactions, and potential closure of your account on Cosmo Casino. Cosmo Casino may retain copies of such documentation in accordance with applicable record-keeping requirements.

Cosmo Casino may also, at its discretion, apply temporary holds on deposits or withdrawals while conducting compliance reviews. During such reviews, you may be asked to clarify the purpose of certain transactions, explain betting strategies, or respond to questionnaires regarding your use of fusion2015.org. You accept that these measures are necessary to comply with legal and regulatory obligations and that Cosmo Casino shall not be liable for any inconvenience, loss of opportunity, or indirect damages arising from reasonable compliance delays. If, after conducting its review, Cosmo Casino determines that your activity is consistent with legitimate gambling behavior, normal account operations will resume.

You agree that you will not knowingly participate in any activity that could facilitate money laundering, terrorist financing, or similar offences and that you will immediately report to Cosmo Casino any knowledge or suspicion of such activity by other players. Where required by law or regulation, Cosmo Casino may file suspicious transaction reports with appropriate authorities, without notice to you and without incurring any liability for doing so. Cosmo Casino is under no obligation to inform you of the existence or content of such reports, or of any investigations that may arise therefrom. Your continued use of Cosmo Casino is conditional upon your full cooperation with any compliance and fraud-prevention procedures implemented by Cosmo Casino.

11. Responsible Gaming: Deposit Limits, Self-Exclusion, and Cooling-Off Periods

Cosmo Casino is committed to promoting responsible gaming and providing tools to help players in New Zealand and other jurisdictions maintain control over their gambling on Cosmo Casino. While the services of Cosmo Casino are intended for entertainment purposes, Cosmo Casino recognizes that gambling can lead to financial harm and other negative consequences if not managed responsibly. You are encouraged to set personal limits, monitor your gameplay, and seek help if you feel that your gambling is no longer under control. Cosmo Casino’s responsible gaming tools are designed to assist you but do not replace your own responsibility to gamble within your means.

Players may set various limits on their account, including deposit limits, loss limits, wager limits, and session time limits, where these features are technically available on Cosmo Casino. Limits can typically be set on a daily, weekly, or monthly basis via your account settings on fusion2015.org or by contacting customer support. Once implemented, such limits will restrict your ability to deposit or wager beyond the specified thresholds, and any attempts to exceed the limits will be denied. Increases to previously set limits may be subject to a cooling-off period before they become effective, while decreases generally take effect immediately. You acknowledge that these tools are provided for your protection and agree not to attempt to circumvent them.

In addition to limits, Cosmo Casino offers voluntary cooling-off periods and self-exclusion options for players who wish to temporarily or permanently stop gambling on Cosmo Casino. A cooling-off period is a shorter term break, during which you will not be able to deposit, wager, or receive promotional communications from Cosmo Casino. Self-exclusion is a longer-term or indefinite break, whereby your account is locked and you are prevented from accessing gambling services for the chosen duration. Requests for cooling-off or self-exclusion may be submitted via account settings or by contacting customer support, and Cosmo Casino will implement them as soon as reasonably practicable.

The typical range of responsible gaming tools available on Cosmo Casino is summarized below, though availability may vary by jurisdiction and technical configuration.

Table 4: Responsible Gaming Tools and Limits

During any active cooling-off or self-exclusion period, you must not attempt to open new accounts on Cosmo Casino or otherwise circumvent the restrictions in place on fusion2015.org. Cosmo Casino enforces, on a best-effort basis, technical and procedural measures to prevent re-registration by self-excluded players; however, you acknowledge that no system is foolproof and accept your own responsibility not to gamble while self-excluded. If Cosmo Casino discovers that you have created or attempted to create a new account during an exclusion period, it may close all such accounts, void wagers, and forfeit winnings at its discretion.

If you reside in New Zealand, you are encouraged to seek support from local problem-gambling counselling and support services if you feel you may be at risk, in addition to using the tools offered on Cosmo Casino. Cosmo Casino may, in its discretion, proactively impose limits, temporary suspensions, or self-exclusion measures on your account if it identifies patterns of play suggestive of problem gambling, though it does not assume an absolute duty to monitor or intervene in all cases. You agree that Cosmo Casino shall not be liable for any losses incurred due to your failure to use or adhere to available responsible gaming tools, and that ultimate responsibility for your gambling behavior rests with you.

12. Limitation of Liability: Disclaimer Regarding Technical Errors, Financial Losses, and Software Defects

You understand and agree that your use of Cosmo Casino and participation in games and services offered by Cosmo Casino are entirely at your own risk. To the fullest extent permitted by applicable law, Cosmo Casino, its owners, affiliates, officers, employees, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of Cosmo Casino, including but not limited to loss of profits, loss of data, loss of goodwill, or financial losses related to gambling, even if Cosmo Casino has been advised of the possibility of such damages. You acknowledge that gambling involves risk of losing money and that the house edge inherent in games ensures that long-term profits are not assured.

Cosmo Casino strives to ensure that its software, games, and systems on fusion2015.org operate correctly and without interruption. However, Cosmo Casino does not guarantee that the Website will be available at all times or that it will be free from technical errors, bugs, malfunctions, or service outages. In the event of a system or communication error, including but not limited to incorrect game outcomes, erroneous odds or payouts, misconfigurations, or hardware or software failures, all affected bets, games, or transactions may be declared void or temporarily suspended by Cosmo Casino. Any winnings or losses arising directly from such errors may be cancelled, and the balance of your account will be restored to the state existing prior to the occurrence of the error.

If a game or feature on Cosmo Casino malfunctions or behaves inconsistently with its rules or intended functionality, bets placed during the period of malfunction may be voided, and any associated stakes may be refunded at Cosmo Casino’s discretion. You agree that Cosmo Casino is not responsible or liable for any malfunction of the equipment or devices used by you to access the Website, including failures of internet connectivity, hardware faults, or incompatibility issues. Likewise, Cosmo Casino shall not be liable for any acts or omissions of your internet service provider, telecommunications operator, or other third-party service providers over which it has no control.

Where Cosmo Casino’s liability is not lawfully excluded, its total aggregate liability to you arising out of or in connection with your use of Cosmo Casino and fusion2015.org shall be limited to the lesser of (i) the amount of your disputed bets or transactions giving rise to the claim, or (ii) the total amount of deposits made by you to Cosmo Casino in the six (6) months preceding the event giving rise to liability. Nothing in these Terms and Conditions shall exclude or limit Cosmo Casino’s liability for death or personal injury caused by its gross negligence, for fraud or fraudulent misrepresentation, or for any other liability which cannot be excluded or limited under applicable law.

You agree to indemnify and hold harmless Cosmo Casino, its operators, affiliates, employees, and agents from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including legal fees) arising from your breach of these Terms and Conditions, your violation of any law or rights of a third party, or your misuse of Cosmo Casino. This indemnity shall survive any closure of your account or termination of your use of Cosmo Casino. If any provision of the limitation of liability clause is found invalid or unenforceable in whole or in part, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

13. Intellectual Property: Copyrights, Trademarks, and Personal Use Restrictions

All content and materials made available on Cosmo Casino, including but not limited to website design, text, graphics, logos, icons, images, audio clips, video clips, software code, databases, and game titles, are the property of Cosmo Casino, its licensors, or its content providers, and are protected by copyright, trademark, trade secret, and other intellectual property laws. You acknowledge that you do not acquire any ownership rights by using Cosmo Casino or by downloading or copying any content from fusion2015.org. You are granted only a limited, non-exclusive, non-transferable licence to access and use the Website and its services for personal, non-commercial entertainment purposes, strictly in accordance with these Terms and Conditions.

The name “Cosmo Casino,” all related logos, trade names, and branding elements displayed on fusion2015.org may be registered or unregistered trademarks or service marks of Cosmo Casino or its licensors. You may not use any trademarks, logos, or trade dress associated with Cosmo Casino without the prior written consent of the rights holder. You are expressly prohibited from framing, scraping, mirroring, or otherwise reproducing or redistributing any part of Cosmo Casino in any form, including for the creation of derivative works, data mining, or competitive analysis, except as permitted by mandatory law. Any unauthorized use of Cosmo Casino’s intellectual property may result in civil and/or criminal liability.

You agree not to modify, adapt, translate, reverse-engineer, decompile, disassemble, or otherwise attempt to discover the source code, algorithms, or underlying structure of any software used in connection with Cosmo Casino, except to the extent such activities are explicitly permitted by mandatory law notwithstanding contractual restrictions. Likewise, you shall not remove, obscure, or alter any copyright, trademark, or other proprietary notices appearing on Cosmo Casino or within the software and games provided. All rights not expressly granted to you under these Terms and Conditions are reserved by Cosmo Casino and its licensors.

If you submit any feedback, suggestions, ideas, or other materials related to Cosmo Casino or fusion2015.org (collectively “Feedback”), you hereby grant Cosmo Casino a worldwide, perpetual, irrevocable, royalty-free, sublicensable and transferable licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such Feedback in any media, without compensation or attribution to you. You warrant that such Feedback does not infringe any third-party rights and that you have the right to grant the foregoing licence. Cosmo Casino is under no obligation to implement or respond to any Feedback but may do so at its discretion.

Any unauthorized use of content or software from Cosmo Casino that violates these intellectual property provisions may result in immediate termination of your licence to use Cosmo Casino and closure of your account. Cosmo Casino reserves the right to take all necessary legal action to protect its intellectual property rights and those of its licensors, including seeking injunctive relief, damages, and legal costs. You agree to cooperate fully with Cosmo Casino in any investigation of suspected infringement or misuse of intellectual property linked to your account or devices.

14. Complaints & Arbitration: Dispute Resolution Process and Governing Law

Cosmo Casino aims to provide a fair, transparent, and reliable gaming environment on Cosmo Casino, but recognizes that disputes or complaints may occasionally arise in relation to account management, game outcomes, bonuses, or other matters. If you have a complaint, you should first contact Cosmo Casino’s customer support using the channels indicated on fusion2015.org, providing full details of your identity, account information, and a clear description of the issue. Cosmo Casino will acknowledge receipt of your complaint and use reasonable efforts to investigate and respond within a reasonable period, typically within fourteen (14) business days, depending on the complexity of the matter and the availability of relevant information.

If your complaint relates to a specific transaction or game round, you must submit it as soon as possible after the event and in any case within thirty (30) days of its occurrence, to enable Cosmo Casino to access relevant logs and records. Where appropriate, Cosmo Casino may request additional information or documentation from you to support your complaint, and you agree to cooperate in good faith. During the investigation, Cosmo Casino may temporarily suspend associated funds or transactions on Cosmo Casino until the matter is resolved. Once the internal review is completed, Cosmo Casino will communicate its decision to you along with, where feasible, an explanation of its reasoning based on game logs, system data, and applicable rules.

If, after exhausting Cosmo Casino’s internal complaints process, you remain dissatisfied with the outcome, you may escalate the dispute to an independent alternative dispute resolution (ADR) or arbitration body recognized under Cosmo Casino’s international licence framework. Details of the current ADR or arbitration service available to players can be requested from Cosmo Casino’s support team or may be published on Cosmo Casino from time to time. The decision of the ADR body or arbitrator may be final and binding, subject to any non-excludable rights of appeal you may have under applicable law. You acknowledge that resorting to ADR or arbitration may involve costs and that you should consider independent legal advice before initiating such proceedings.

These Terms and Conditions and any disputes arising out of or relating to your use of Cosmo Casino and fusion2015.org shall be governed by and construed in accordance with the laws of Curaçao, without prejudice to any mandatory consumer protection laws that may apply to you as a resident of New Zealand. Any legal action, suit, or proceeding that is not subject to ADR or binding arbitration as described above shall be brought exclusively before the competent courts of Curaçao, and you hereby irrevocably submit to the jurisdiction of such courts. Nothing in this clause shall limit Cosmo Casino’s right to bring proceedings against you in any other court of competent jurisdiction, nor shall the bringing of proceedings in one or more jurisdictions preclude the bringing of proceedings in other jurisdictions, whether concurrently or not.

You agree that before commencing any court or arbitration proceedings against Cosmo Casino relating to Cosmo Casino, you will first attempt in good faith to resolve the dispute through the internal complaints process and, where applicable, through ADR. Failure to do so may be taken into account by the adjudicating body when making orders as to costs. This complaints and arbitration clause shall survive termination of your account and cessation of your use of Cosmo Casino.

15. Acknowledgement: Final Statement of Consent to Use fusion2015.org Services

By registering an account, logging in, depositing funds, placing bets, or otherwise using any services offered by Cosmo Casino through Cosmo Casino, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. You acknowledge that these Terms and Conditions constitute a legally binding agreement between you and the operator of Cosmo Casino and govern your use of fusion2015.org. You further confirm that you are at least 18 years of age, that you are legally allowed to participate in online gambling in your jurisdiction (including New Zealand if you are resident there), and that you are accessing Cosmo Casino from a location where such participation is lawful.

You acknowledge that Cosmo Casino may rely on your representations and warranties as set out in these Terms and Conditions, and that any false statements or omissions may result in immediate termination of your account, cancellation of bets, and forfeiture of funds on Cosmo Casino. You also understand that it is your responsibility to check the current version of the Terms and Conditions published on Cosmo Casino regularly and to cease using the services if you do not agree with any amendments or updates. Your continued use of fusion2015.org following any change constitutes your irrevocable acceptance of the revised terms.

If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable by a court or competent authority, such provision shall be interpreted in a manner consistent with applicable law to reflect, as nearly as possible, the original intent of Cosmo Casino, and the remaining provisions shall remain in full force and effect. Cosmo Casino’s failure to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such provision or any other provision. The headings used herein are for convenience only and shall not affect the interpretation of the Terms and Conditions.

By clicking “Register,” “I Agree,” or any similar confirmation button on Cosmo Casino, and by continuing to use the Website, you provide your explicit, informed consent to be bound by these Terms and Conditions, including all policies and rules referenced herein. If you do not agree with any part of these Terms and Conditions, you must not complete registration, must refrain from accessing Cosmo Casino, and must immediately discontinue use of fusion2015.org.