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Terms & Conditions

These Terms govern your relationship with the operator of quatro-casino-new-zealand as available exclusively via quatro-nz.com. By accessing or using this website from New Zealand, you accept and agree to comply with these Terms. Effective date: 6 November 2025.

Definitions

OBSERVE: Key legal terms are clarified for user understanding and compliance. EXPAND: Definitions are tailored to the New Zealand regulatory context, ensuring all terms are clear and unambiguous. REFLECT: Provides a uniform vocabulary across all sections for legal and operational consistency.

  • Operator: The legal entity responsible for managing quatro-casino-new-zealand, operated exclusively via quatro-nz.com, under Fresh Horizons Ltd., licensed by the Kahnawake Gaming Commission (License No. 00892, valid through 2025), and Malta Gaming Authority (MGA/B2C/167/2008, valid through 2025).
  • User/Player: Any individual aged 18 or over, residing or located in New Zealand, who registers for, accesses, or uses services offered via quatro-nz.com.
  • Account: A unique profile established by a User on quatro-nz.com, providing access to betting, gaming, and related services.
  • Bet/Wager: Any monetary amount or equivalent value risked by a User on the outcome of a game or event enabled on quatro-nz.com.
  • Bonus: Promotional credits or offers allocated to a User's account, subject to specific terms and wagering requirements.
  • Game: Any casino game, slot, table game, or live dealer product accessible via quatro-nz.com.
  • Deposit/Withdrawal: The act of transferring funds into or out of a User's account using approved payment methods.
  • KYC (Know Your Customer): Regulatory process requiring Users to verify their identity and eligibility to comply with anti-money laundering and responsible gambling provisions.

Account Registration

OBSERVE: Registration procedures and user obligations are legally defined in accordance with NZ and international licensing standards. EXPAND: Integrates KYC, age verification, and data accuracy as critical for regulatory compliance. REFLECT: Protects both operator and player interests through robust account management policies.

  1. Eligibility: Users must be at least 18 years old and legally permitted to gamble online in New Zealand. The operator reserves the right to request proof of age at any stage.
  2. Account Creation: Users must complete the online registration form at quatro-nz.com, providing accurate personal details and a valid email address. Email verification is mandatory before account activation.
  3. KYC Verification: Users are required to submit identity documents (such as a government-issued ID and proof of address) as part of the KYC process. Failing to provide required documents may result in account suspension or closure.
  4. User Obligations: Users are responsible for ensuring all registration details are accurate and current. Passwords must be kept confidential; Users are liable for all activities under their account unless the operator is notified immediately of unauthorised access.
  5. Single Account Policy: Only one account per User is permitted. Multiple accounts may be closed, with all associated funds and bonuses subject to forfeiture.

Regional Compliance Note: The legal gambling age in New Zealand is strictly enforced. All user data is handled in accordance with applicable privacy laws and the Privacy Policy.

Betting & Gameplay Rules

OBSERVE: Outlines the contractual rules for placing bets and participating in games. EXPAND: Includes conduct standards for live and online interaction, reflecting NZ and international fair gaming obligations. REFLECT: Ensures transparent, fair, and secure play for all Users.

  • Bet Placement: Bets may only be placed via the User's account on quatro-nz.com, within the minimum and maximum stakes specified for each game. Bets are final once accepted by the system.
  • Bet Cancellation/Modification: Once a bet is confirmed, it cannot be altered or cancelled unless due to a technical malfunction or as otherwise expressly permitted by the operator.
  • Live Casino Conduct: Users must refrain from abusive behaviour, collusion, cheating, or use of automated tools. Insults, harassment, or fraudulent conduct in live chat or during gameplay are strictly prohibited and may result in suspension or permanent exclusion.
  • Game Rules: Each game is governed by its published rules and random number generator (RNG) certifications (eCOGRA Safe and Fair Seal). Any discrepancies must be reported to support@quatro-nz.com within 72 hours.

Regional Compliance Note: All games and bets are subject to regulatory oversight under the Kahnawake Gaming Commission and Malta Gaming Authority, with NZ-specific adaptations for player protection.

Bonus Terms

OBSERVE: Legal framework for bonus activation, use, and withdrawal. EXPAND: Details wagering requirements, eligible games, and prohibited actions, reflecting NZ advertising standards and fair play obligations. REFLECT: Bonus terms are designed to prevent abuse and ensure transparency.

  1. Bonus Activation: Bonuses are credited as per the specific promotion. Activation may require a qualifying deposit, promo code entry, or opt-in via User account.
  2. Wagering Requirements: Bonuses are subject to a minimum wagering requirement, typically specified in the promotion (e.g., 40x bonus amount), to be met within the stated timeframe (not exceeding 30 days from crediting, unless otherwise stated).
  3. Eligible Games: Not all games contribute equally to wagering. Refer to bonus terms for eligible and excluded games. Bets on excluded games may void the bonus and associated winnings.
  4. Prohibited Actions: Combining multiple bonuses or promotions, or using bonus funds for prohibited strategies (e.g., minimal risk betting), is not allowed. Violation may result in bonus and winnings forfeiture.
  5. Withdrawal Restrictions: Bonus funds are non-withdrawable until wagering conditions are fully met. Any attempt to withdraw before meeting requirements may result in forfeiture of bonus and winnings.

Regional Compliance Note: All promotional activities comply with New Zealand advertising and responsible gambling standards. Users must consult the specific promotional terms for each bonus.

Payments & Withdrawals

OBSERVE: Details approved payment methods, processing times, and refund policies. EXPAND: Incorporates anti-money laundering (AML) and responsible gambling protocols as required by NZ and international law. REFLECT: Ensures security, transparency, and user protection throughout all financial transactions.

  1. Deposit Methods: Users may fund their accounts using credit/debit cards, e-wallets, and other approved methods as listed on quatro-nz.com. Cryptocurrencies may be supported subject to regulatory approval.
  2. Withdrawal Process: Withdrawals are processed via the same method used for deposits where possible. Processing times typically range from 24 hours to five business days, subject to KYC and AML checks.
  3. Limits and Fees: Minimum and maximum deposit/withdrawal amounts apply, as specified on the Payments page. The operator may charge reasonable processing fees, which will be disclosed prior to transaction completion.
  4. Verification Requirements: Users must complete full KYC verification before withdrawals are processed. Additional documentation may be required for large transactions or as part of ongoing AML monitoring.
  5. Refunds and Chargebacks: Refund requests may be considered at the operator's discretion if a bet or transaction is voided due to technical error or regulatory breach. Chargebacks are not permitted except in cases of proven unauthorised use.
  6. Bonus Fund Withdrawals: Withdrawals involving bonus funds are subject to the Bonus Terms outlined above.

Regional Compliance Note: All payment processing aligns with NZ financial regulations and international AML obligations. User funds are maintained in segregated accounts as required by licensing conditions.

Limitation of Liability

OBSERVE: Sets the boundaries of operator liability as per NZ and international standards. EXPAND: Includes mandatory disclaimers for technical and third-party failures. REFLECT: Ensures users are aware of operational risk limits and legal recourse.

  • Operator Obligations: The operator commits to providing fair, accurate, and uninterrupted gaming services, subject to licensing requirements and the eCOGRA Safe and Fair Seal.
  • Exclusions of Liability: The operator is not liable for losses or damages arising from technical failures, system errors, network interruptions, or third-party provider issues. Responsibility is limited to the amount of the disputed bet or transaction.
  • Force Majeure: The operator is not liable for failure to perform obligations where such failure is due to events beyond reasonable control (e.g., natural disasters, regulatory changes, acts of government).
  • User Responsibility: Users are solely responsible for ensuring the compatibility and security of their devices and internet connections.

Regional Compliance Note: These limitations do not affect Users' statutory rights under New Zealand consumer protection law.

Intellectual Property Rights

OBSERVE: Establishes operator ownership of all content, software, and brand assets. EXPAND: Prohibits unauthorised reproduction or distribution, supporting NZ copyright law. REFLECT: Preserves the integrity of operator's intellectual property and licensed content.

  • Ownership: All website content, graphics, software, and trademarks on quatro-nz.com are owned or licensed by the operator and protected by international copyright and intellectual property laws.
  • Restrictions: Users may not copy, reproduce, distribute, modify, or create derivative works from any part of the site without explicit prior written consent from the operator.
  • Third-Party Content: Where content or software is provided by third-party suppliers (e.g., Microgaming), all associated rights remain with the respective owners.

Regional Compliance Note: Unauthorised use or infringement may result in civil or criminal penalties under New Zealand law.

Privacy & Data Protection

OBSERVE: Summarises the operator's obligations under the Privacy Policy. EXPAND: Reinforces NZ legal standards for data handling and user rights. REFLECT: Directs Users to comprehensive privacy disclosures.

  • Data Processing: All personal data collected and processed via quatro-nz.com is managed in accordance with the Privacy Policy and applicable New Zealand privacy law.
  • User Rights: Users may access, update, or request deletion of their data as permitted by law. Requests should be directed to support@quatro-nz.com.
  • Security: The operator implements industry-standard security measures to safeguard User information against unauthorised access or disclosure.

Regional Compliance Note: Users are encouraged to review the full Privacy Policy for detailed information on data handling, storage, and cross-border transfers.

Changes to Terms

OBSERVE: Provides mechanisms for updating terms and user notification. EXPAND: Ensures compliance with NZ consumer transparency requirements. REFLECT: Maintains contractual clarity as regulations and operational realities evolve.

  1. Modification Rights: The operator reserves the right to update or modify these Terms at any time to reflect legal, regulatory, or operational changes.
  2. User Notification: Users will be notified of significant changes via email (where provided), website banners, or account notifications. Continued use of quatro-nz.com after changes constitutes acceptance of the updated Terms.
  3. User Options: Users who do not agree with revised Terms must cease use of the site and may request closure of their account with withdrawal of any available balance.

Regional Compliance Note: All changes are implemented in accordance with New Zealand consumer law requirements for notification and transparency.

Termination & Suspension

OBSERVE: Outlines circumstances and procedures for account closure or suspension. EXPAND: Integrates refund, notification, and user protection protocols. REFLECT: Protects both operator and user interests while ensuring due process.

  1. Grounds for Termination: The operator may suspend or terminate a User's account for breach of these Terms, fraudulent activity, provision of false information, or regulatory requirement.
  2. Procedure: Users will be notified of suspension or closure via their registered email address. The operator will provide reasons for the action and information regarding any available appeals process.
  3. Refund of Funds: On termination (except in cases of fraud or breach), any unused account balance (excluding bonus funds) will be refunded to the User's verified payment method, subject to KYC and AML clearance.
  4. User Initiated Closure: Users may request account closure at any time by contacting support@quatro-nz.com. All outstanding funds will be paid out following verification procedures.

Regional Compliance Note: Termination processes comply with NZ regulatory requirements for fairness and consumer protection.

Governing Law & Jurisdiction

OBSERVE: Specifies applicable law, jurisdiction, and dispute resolution mechanisms. EXPAND: Addresses multi-jurisdictional licensing while prioritising New Zealand user protections. REFLECT: Ensures contractual clarity for all parties.

  • Governing Law: These Terms are governed by the laws of New Zealand to the extent that they apply to Users located in New Zealand. Where not inconsistent, the laws of Kahnawake, Canada, and Malta may also apply in relation to licensing and operational requirements.
  • Jurisdiction: Disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of New Zealand, except where otherwise required by applicable gaming regulations.
  • Dispute Resolution: Users are encouraged to contact support@quatro-nz.com in the first instance to resolve any dispute. If unresolved, disputes may be referred to independent arbitration or the relevant regulatory authority (e.g., Kahnawake Gaming Commission, Malta Gaming Authority).

Regional Compliance Note: This section aligns with the Gambling Act 2003 (NZ) and international licensing obligations.

Contact Information

OBSERVE: Provides official communication channels for support and legal matters. EXPAND: Ensures accessibility for all user concerns, including regulatory complaints. REFLECT: Guarantees users have clear, direct access to operator representatives.

Regional Compliance Note: For regulatory complaints, Users may also contact the Kahnawake Gaming Commission or Malta Gaming Authority with reference to the relevant license number.