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Payment and Return Policy
If you choose to pay for any of our Services via our Client Management System, then these terms apply to your transaction, and it understood that you agree to them.
- Charges: If there is a charge associated with a particular Service(s) you choose to partake in, it is understood that you agree to pay that charge. The cost listed for the Service(s) includes all applicable taxes and currency exchange settlements, unless stated otherwise. You are solely responsible for paying any additional charges associated with the service(s). We accept the following payment options: Visa and MasterCard.
- Your Billing Account: You agree to permit the Service Provider to use any updated account information regarding your preferred payment option provided by your issuing bank or the applicable payment network. You agree to keep your billing account and contact information current at all times. Changes made to your billing account will not affect any additional charges that may be applied in the cases that there is an unforeseen delay on acting on any pre-stated changes to the said account.
- Acknowledge that you are authorized to use the said payment method and that any payment information you provide is true and accurate;
- Authorize the Service Provider to charge your billing account for the Services and applicable taxes using your payment method; and
- Authorize the Service Provider to charge you for any paid feature of the Services and applicable taxes that you choose to sign up for or use while these Terms are in force. You may be billed (a) in advance; (b) at the time of purchase; (c) shortly after purchase;
- Return/Refund: Unless otherwise provided by law or by a particular Service offer, all purchases are final and non-refundable. If you believe that the service provider has charged you in error, you must contact them immediately. We reserve the right to issue refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. This refund policy does not affect any statutory rights that may apply.
- Cost of Service. The Service Provider reserves the right to change the price of any Service(s) at any time.
Privacy and Security Policy
- If you choose to make an application via our e-Registry and Filing System, in which you provide us with personally identifiable data, we reserve the right to share any necessary data with other Government agencies, so as to serve you in a most efficient and effective way, unless such sharing is expressly prohibited by law. This information will also be used to measure the number of visitors to the various sections of our site, measure system performance and identify any problem areas. We also use this information to help us to further develop the site, analyze patterns of usage, and to make the site more useful. We will NOT share your personal data with non-Government entities, except where such entities have been authorised to carry out specific Government services.
- If you violate these Terms, we may restrict access to the services available via the website. We may also block the delivery of any communication (i.e. email or instant message) to or from the site in an effort to enforce these terms, or we may remove or refuse to publish your content for any reason. When investigating alleged violations of these Terms, the Financial Services Regulatory Commission reserves the right to review your content in order to resolve the issue.
- The Financial Services Regulatory Commission reserves the right to change these Terms and Conditions of Use from time to time at its sole discretion. All changes will be posted on this page, and your use of this website after such changes have been posted, will constitute your agreement to the modified Terms and Conditions of Use. You should therefore read this page carefully each time you visit this website.
Terms and Conditions
GENERAL
- This website is owned and operated by the Financial Services Regulatory Commission (hereinafter referred to as "FSRC").
- By accessing the FSRC’s website ("this website"), you unconditionally accept to be legally bound by these Terms and Conditions of Use. If you do not agree to these Terms and Conditions of Use, please do not use this website.
- In case of any violation of these rules and regulations, the FSRC reserves the right to seek all remedies available by law and in equity for such violations. These Terms and Conditions of Use apply to all visits to this website, both now and in the future.
CODE OF CONDUCT
By agreeing to these Terms, you’re agreeing that, when using the Services, you will follow these rules:
- Do not do anything illegal.
- Do not engage in any activity that exploits, harms, or threatens to harm children.
- Do not send spam. Spam is unwanted or unsolicited bulk email, postings, contact requests, SMS (text messages), or instant messages.
- Do not publicly display or use the Services to share inappropriate content or material (involving, for example, nudity, bestiality, pornography, graphic violence, or criminal activity).
- Do not engage in activity that is false or misleading (e.g., asking for money under false pretenses, impersonating someone else, manipulating the Services to increase play count, or affect rankings, ratings, or comments).
- Do not circumvent any restrictions on access to or availability of the Services.
- Do not engage in activity that is harmful to you, the Services, or others (e.g., transmitting viruses, stalking, communicating hate speech, or advocating violence against others).
- Do not infringe upon the rights of others (e.g., unauthorized sharing of copyrighted material).
- Do not engage in activity that violates the privacy of others.
- Do not help others to break these rules.
PROPRIETARY RIGHTS
The materials located on this website, including the information as well as any software programs available on or throughout this website ("the Contents"), are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Contents are owned by, licensed to or controlled by the Financial Services Regulatory Commission.
CONTENT
- Except as otherwise provided, the contents of this website shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without the prior written permission of the FSRC.
- You may use, hyperlink, copy and distribute the contents found on this website solely for personal, internal, non-commercial, or informational purposes only. You may download one copy of any information provided in this website onto a single computer for your own personal non-commercial use provided that you keep intact all accompanying copyright and other proprietary notices. You may not display, distribute or otherwise use any of the content found on this website for any commercial purpose unless you receive specific written consent from the FSRC.
- Modification of any of the Contents or use of the Contents for any other purpose will be a violation of the FSRC’s copyright and other intellectual property rights. Graphics and images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.
- The design and layout of this website is protected by intellectual property and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound, image or search engine from this website may be copied or transmitted unless expressly permitted by the FSRC.
HYPERLINKS TO THIRD PARTY SITES
- This website contains hyperlinks to web sites which are not maintained nor controlled by the FSRC. The FSRC shall not be responsible for the content of any hyperlinked website or any hyperlink contained in a hyperlinked web site, and shall not be liable for any damages or loss arising from access to those websites. Use of the hyperlinks and access to such hyperlinked websites are entirely at your own risk.
- All hyperlinks to other websites are provided as a convenience to you as a user of this website. The inclusion of any hyperlink does not imply endorsement by the FSRC of such websites. In no circumstances shall the FSRC be considered to be associated with or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on websites to which this website is hyperlinked.
HYPERLINKS TO THIS WEBSITE FROM THIRD PARTY WEBSITES
- Except as set forth below, caching and hyperlinks to, and the framing of this website or any of the Contents are prohibited.
- You may hyperlink to the Home Page of this website, upon prior notification to the FSRC in writing. You must make a specific request for, and secure permission from the FSRC prior to hyperlinking to, or framing, this website or any of the Contents, or engaging in similar activities. The FSRC reserves the right to impose conditions when permitting any hyperlinking to, or framing of this website or any of the Contents.
- Hyperlinking to any of the Contents constitute acceptance of these Terms and Conditions of Use. This is deemed to be the case even after the posting of any changes or modifications to these Terms and Conditions of Use. If you do not accept these Terms and Conditions of Use, you must discontinue linking to, or framing of this website or any of the Contents.
- Under no circumstances shall the FSRC be considered to be associated with or affiliated in any manner with any trade or service marks, logos, insignia or other devices used or appearing on websites that link to this website or any of the Contents.
DISCLAIMER OF WARRANTIES AND LIABILITY
The Contents of this Site are provided on an "as is" basis without warranties or representations of any kind. Without prejudice to the foregoing, the FSRC does not make any representations or warranties:
- as to the accuracy, completeness, reliability, timeliness, currency, quality, non-infringement, title, or fitness for any particular purpose of the Contents of this Site;
- that the Contents available through this Site or any functions associated therewith will be uninterrupted or error-free, or that defects will be corrected or that this Site and the server is and will be free of all viruses and/or other harmful elements.
The FSRC shall also not be liable for any damage, loss or expense of any kind arising directly or indirectly from the use of the Site, any inaccuracy or incompleteness in the Contents of the Site, or any errors or omissions in the transmission of the Contents.
The FSRC shall not be responsible or held accountable in any way for any decision made or action taken by you or any third party in reliance upon the Contents of this Site.
RIGHT OF ACCESS
The FSRC reserves the right to update or modify this website from time to time. The FSRC further reserves all rights to deny or restrict access to this website to any particular person (s), or to block access from a particular Internet address to this website, at any time, without ascribing any reasons whatsoever.
You agree that you will not:
- use any device, software or routine to interfere or attempt to interfere with the proper working of this website; and
- take any action that imposes an unreasonable or disproportionately large load on the FSRC’s servers.
USING THE SERVICES & SUPPORT
You will need a Username/Password to access services available via the FSRC’s website. Your log in credentials allows you to sign in the e-Registry and Filing System, to utilize the services offered by the FSRC.
- Creating an Account. You can create an account by signing up online via the FSRC’s website. You agree not to use any false, inaccurate or misleading information when signing up for your account. To protect your account, keep your account details and password confidential. You are responsible for all activity that occurs under your account’s name.
- Additional Equipment/Data Plans. To use many of the Services, you’ll need an internet connection and/or data/cellular plan. You might also need additional equipment, like a headset, camera or microphone. You are responsible for providing all connections, plans, and/or equipment needed to use the Services and for paying the fees charged by the provider(s) of your connections, plans, and equipment.
Questions or comments on the Terms of Use Policy or Customer support related can be forwarded to:-
Webmaster
Financial Services Regulatory Commission
Royal Palms Place
Friars Hill Road
St. John’s
Antigua and Barbuda
Tel : (268) 468-4622
Fax : (268) 468-4644
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
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“ANTIGUA AND BARBUDA AN E-GAMING JURISDICTION COMMITTED TO THE PROMOTION OF RESPONSIBLE GAMING AND ITS DELIVERY IN A SOCIALLY RESPONSIBLE GAMING ENVIRONMENT”
In an effort to prevent underage individuals’ access to gaming products, we recommend the following parental control filtering engines:
HELP IS JUST ONE CLICK AWAY
In an effort to prevent underage individuals’ access to gaming products, we recommend the following parental control filtering engines:
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- Was there a time in the last 12 months when your betting or gambling often interfered with your work or responsibilities at school, on a job, or at home?
- Was there a time in the last 12 months when your betting or gambling caused repeated arguments or other serious problems with your family, friends, neighbours, or co-workers?
- Was there a time in the last 12 months when you often tried to keep your family or friends from knowing how much you gambled?
- Did you sometimes claim to be winning when you were actually losing?
- In the last 12 months did you ever have periods when you would spend lots of time thinking about your gambling when you should have been thinking about other things?
- In the last 12 months did you ever have periods when you would spend lots of time planning your bets or studying the odds when you should have been doing other things?
- Over time, did you have to increase the amount you bet or gambled in order to keep it exciting?
- Did you ever have a time in the last 12 months when you would often use betting or gambling as a way to get out of a bad mood or to improve your mood?
- In the last 12 months did you often gamble in order to escape or stop thinking from personal problems?
- In the last 12 months after losing money gambling, did you often return another day soon after to win back your losses?
- In the last 12 months when you had a big gambling debt, did you gamble more and more in the hope of winning back the losses?
- In the last 12 months did you try to raise gambling money by writing a bad check, stealing, or doing something else that was illegal?
- In the last 12 months did you repeatedly borrow money from your family or friends to support your gambling or to pay gambling debts?
- Was there a time in the last 12 months when you often had such a strong desire to bet or gamble that you couldn't resist it or couldn't think or anything else?
- In the last 12 months did you ever have times when you gambled even though you promised yourself you wouldn't, or when you bet a lot more or for a longer period of time than you intended?
- How often in your life, not only over the last 12 months, have you made a serious attempt to cut down or stop gambling?
- Did trying to quit or cut down on gambling make you feel restless or irritable?
- Since you first tried to cut down or stop, what is the longest period of time you have ever gone without gambling?
Answering "yes" to 4 or more questions indicates that gaming may be causing you some problems. You may wish to view our RESOURCE page for help.
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FSRC Held Meeting With the International Banking Sector
On July 26, 2016, the Financial Services Regulatory Commission (“the Commission) in conjunction with the Office of National Drug and Money Laundering Control Policy (“the ONDC”) and the Inland Revenue Department, held one of its bi-annual meetings with representatives from the International Banking Sector. The primary focus of the meeting was to sensitize the stakeholders about key regulatory, supervisory and jurisdictional issues. During the meeting licensees were updated regarding jurisdictional matters such as the Foreign Assets Tax Control Act (“FATCA”) and the signing of the Inter-Governmental Agreement (“IGA”) and other tax reform initiatives within Antigua and Barbuda. In addition to the foregoing, stakeholders were also informed of the status of the National Risk Assessment (“NRA”) that is being conducted ahead of the 2017 Mutual Evaluation. Further, the ONDCP shared with the sector aimed at increasing vigilance at the institutional level for effective AML/CFT mitigation.
During the meeting, licensees were also provided with a statistical overview of the year to date performance of the international banking sector. Regarding regulatory and supervisory reform initiatives, licensees were apprised of the implementation status of the Basel II reporting framework as well as the 2016 International Banking Act.
Present at the meeting also were members of the FSRC Board of Directors as well the Commission’s CEO Ms Brenda Sheppard, who was formally introduced to the international banking sector.
These meetings provide a forum for the management team of the banks to engage the Commission on all issues which impact the international banking sector.
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The Financial Services Regulatory Commission (“the Commission”) recognises that for a small group of people, gaming may be a problem adversely affecting their personal lives and the lives of those closest to them. What is for the vast majority of participants an enjoyable leisure, social activity can for a small percentage of the population become a problematic behaviour. Similarly, shopping, the consumption of alcohol, eating, and physical exercise are a few examples of otherwise normal activities if unmanaged, abused or used as a mechanism to escape everyday problems and inner conflicts can become a problematic activity. We at the Commission believe that we have a responsibility to consumers of gaming services provided by our licencees and to the global industry by being key participants in the promotion of responsible gaming to ensure the delivery of gaming services in a socially responsible environment. We are very cognizant that we licence and regulate a service which is not always viewed favourably. With this in mind our social responsibility commitment is underpinned by four main objectives:
To Strengthen the industry’s commitment to responsible gaming and social responsibility To Enhance the capacity for operators to conduct business in a manner which promotes responsible gaming and the jurisdictions social responsibility commitment objectives To Protect consumers gaming with a site licenced in our jurisdiction that they are gaming with an operator who adheres to our regulatory and licensing objectives and Accountability, operators will be held accountable to incorporate industry best practices with respect to responsible gaming and the delivery of gaming services in socially responsible environment. The Commission and the Antigua Online Gaming Association (AOGA) are committed, and will collectively embark on a national, industry-wide initiative to address social responsibility issues confronting the industry and to ensure that the Commission’s key objectives are adopted to achieve full observance of our polices; to ensure the delivery of gaming services in a socially responsible environment. In support of this, there will be the establishment of a ‘Gaming Addiction Research and Education Fund’. The Antiguan remote gaming industry and the Commission will assist in educating the public on the risks associated with online gaming, increasing social awareness, particularly with minors, as well as providing resources for the treatment of problem gambling. The Commission is united with the AOGA on the importance of these measures. We will not only continue to meet, and in most cases exceed international standards of best practice, but more importantly work collaboratively with e-gaming jurisdictions globally towards preserving and safeguarding the health and welfare of on-line players worldwide.
“ANTIGUA AND BARBUDA AN E-GAMING JURISDICTION COMMITTED TO THE PROMOTION OF RESPONSIBLE GAMING AND ITS DELIVERY IN A SOCIALLY RESPONSIBLE GAMING ENVIRONMENT”
