Terms of Use

These Terms of Use ("Terms") govern your access to and use of the RegWatch website at regwatch.wiki, and any related content, data, dashboards, briefs, downloads, APIs, and subscription services (together, the "Service").

The Service is currently operated by the RegWatch team ("we", "us", "our") on a pre-incorporation basis — a company has not yet been formally registered. This section will be updated with our registered legal name, jurisdiction of incorporation, company number, and registered office once incorporation is complete.

By accessing the Service, creating an account, or purchasing a subscription, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Notice and Refund & Cancellation Policy (incorporated by reference). If you do not agree, do not use the Service.

If you use the Service on behalf of an organisation, you represent that you are authorised to bind that organisation, and "you" refers to that organisation.

— "Content" — all data, jurisdiction briefs, amendments, tables, analyses, text, graphics, logos, and other materials made available through the Service.

— "Merchant of Record" / "MoR" — a third-party reseller that sells the Service to you as the retailer of record and handles payment, invoicing, and applicable taxes, as described in Section 8.

— "Subscription" — a paid plan giving access to the Service for a defined period.

— "Subscriber" / "you" — the person or organisation that registers for or purchases the Service.

You must be at least 18 years old and have full legal capacity to enter into a binding contract.

The Service is a business-to-business informational tool intended for professionals (e.g. operators, affiliates, suppliers, advisers, and compliance teams). It is not intended for consumers seeking to gamble, nor for any minor.

You are responsible for ensuring that your access to and use of the Service is lawful in your country and complies with any local restrictions.

Nature of the Service. RegWatch is an information and research subscription. It provides best-effort intelligence about gambling- and iGaming-related laws, licensing, taxation, marketing rules, and market data across jurisdictions, compiled from public sources.

The Service is NOT, and does not provide:

— (a) gambling, betting, gaming, lotteries, wagering, or any real-money gaming service, nor any facilitation, brokerage, or operation of such activities;

— (b) legal advice, a legal opinion, or a lawyer–client relationship;

— (c) financial, investment, tax, accounting, or regulatory advice, nor any regulated financial product or service;

— (d) licensing, registration, or any government or regulator service, and it is not affiliated with, endorsed by, or acting for any regulator, government body, or licensing authority.

No reliance. The Content is provided for general information only, may be incomplete, out of date, or inaccurate, and must not be relied upon as a substitute for advice from qualified local counsel or confirmation with the relevant regulator or primary sources. You are solely responsible for any decision you make based on the Content.

You must provide accurate, current, and complete registration information and keep it updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at support@regwatch.wiki of any unauthorised use.

Accounts are personal to the Subscriber and, unless your plan expressly permits multiple seats, may not be shared with, sold, or transferred to any other person.

The Service is offered on one or more subscription plans described at checkout (e.g. monthly or annual). Plan features, limits (including number of seats/users), and prices are as stated on the pricing page at the time of purchase.

We may offer free trials or introductory offers. Unless stated otherwise, at the end of a free trial a paid Subscription begins automatically at the then-current price unless you cancel before the trial ends.

We may change plan features and limits; material changes affecting a paid, active plan will be notified in advance and will not reduce features you have already paid for during the current term.

A binding contract for a Subscription is formed when your payment is accepted by the Merchant of Record and we (or the MoR) confirm your order.

Immediate access to digital content. The Service is digital content supplied online. Access is normally provided immediately after successful payment. By purchasing and accessing the Service, you request immediate performance and acknowledge the effect this has on statutory withdrawal rights (see Section 11).

We will provide access/activation of the Service promptly after payment is completed, subject to Section 15 (availability) and lawful suspension.

Merchant of Record. Payments for the Service are processed through one or more third-party providers. Where a Merchant of Record is used, the MoR is the reseller and retailer of record for your purchase: your purchase and payment are made with the MoR, the MoR issues the invoice/receipt, and the MoR is responsible for collecting and remitting applicable sales tax/VAT/GST. Your use of the Service remains governed by these Terms.

MoR buyer terms. When you pay through an MoR, that provider's own buyer terms and privacy policy also apply to the payment transaction. Please review them at checkout.

Direct processing. Where payment is taken directly, that processor handles the transaction under its own terms, we act as the seller of record, and applicable taxes may be added at checkout. We do not store full card numbers or equivalent sensitive payment credentials; these are handled by the payment processor.

Authorisation. You authorise us and/or the applicable MoR or processor to charge your selected payment method for the Subscription fees, applicable taxes, and renewals until you cancel.

Accurate information. You agree to provide current, complete, and accurate billing information and to keep it updated.

Prices are stated on the pricing page and may be shown in USD or localised at checkout. We may change prices prospectively; changes do not affect the current paid term and will be notified before renewal.

Unless stated otherwise, prices exclude applicable taxes. Where an MoR is used, the MoR calculates, collects, and remits VAT/sales tax/GST as required; where payment is direct, applicable taxes may be added at checkout.

Auto-renewal. Subscriptions renew automatically for successive periods equal to the original term at the then-current price, unless cancelled before the renewal date.

How to cancel. You may cancel at any time via your account settings, via the MoR's customer portal (link provided in your receipt), or by emailing support@regwatch.wiki. Cancellation stops future renewals; it takes effect at the end of the current paid period, and you retain access until then.

We may also stop offering, or decline to renew, a Subscription, in which case access ends at the end of the paid period.

Refund Policy governs. Refunds and cancellations are governed by our separate Refund & Cancellation Policy, incorporated into these Terms by reference. The key principles are set out below; the full Policy prevails in the event of any conflict of detail.

Digital content — express consent and immediate supply. The Service is digital content and online access supplied electronically and made available immediately. By purchasing and by accessing, viewing, downloading, or exporting any Content, you (a) request immediate supply, (b) acknowledge that you thereby lose any right of withdrawal / cooling-off right to the extent permitted by law, and (c) acknowledge that once you have accessed, downloaded, or exported a substantial part of the Content, that Content is treated as supplied and consumed and is non-refundable, except where mandatory law or the applicable payment platform's rules require otherwise.

Money-back window (conditional). We may refund the initial charge for a new subscription only where the request is made within the stated window and you have not downloaded/exported Content or accessed more than a de-minimis amount of it. Where a payment platform requires a broader guarantee, that mandatory requirement applies.

Downloads, exports, API credits and renewals. Downloadable reports, data exports, and API credits are non-refundable once accessed, downloaded, exported, or used. Renewal charges are non-refundable; cancel before the renewal date to avoid them. No pro-rata refunds are given for unused parts of a period after access has begun, except where required by law.

No refund for abuse or breach. Refunds will be refused where there is evidence of refund abuse, fraud, or breach of these Terms (including scraping, bulk/automated extraction, credential sharing, or redistribution of Content).

How refunds are processed. Where a Merchant of Record processed your payment, the MoR handles the refund and applies its own rules and discretion in addition to this Policy; where those rules are more generous to you, they prevail. Where payment was direct, we process the refund under the processor's and the card network's rules.

Statutory rights. Your mandatory consumer rights are not affected. In the EU/UK, the 14-day right of withdrawal for digital content not supplied on a tangible medium is lost once supply begins with your prior express consent and acknowledgement (Section 11.2); some jurisdictions provide a short unconditional cancellation right, which we honour. Content that is defective, not as described, or not provided remains subject to your statutory remedies (see Section 24).

If you have a billing concern, please contact us or the MoR first — we aim to resolve issues quickly. Initiating a chargeback or payment dispute without contacting us may be treated as a breach of these Terms, and we (or the MoR) may suspend or terminate your account and dispute the chargeback with evidence of the services provided.

Licence. Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service and Content for your own internal business or professional purposes during your Subscription.

Restrictions. You must not, and must not permit others to:

— (a) copy, scrape, crawl, harvest, republish, redistribute, resell, sublicense, lease, or otherwise commercially exploit the Content or Service, in whole or in substantial part;

— (b) use the Content to build, train, or populate a competing product, dataset, or database, or use automated means to extract Content, except as expressly permitted;

— (c) share account access beyond your licensed seats, or provide the Content to third parties as a substitute for their own subscription;

— (d) remove or alter any proprietary notices;

— (e) reverse engineer, decompile, or attempt to derive source code, except where such restriction is prohibited by law.

Limited internal quotation of small extracts with attribution to "RegWatch" for your own compliance records is permitted; wholesale reproduction is not.

The Service, its Content, structure, design, compilation, and the "RegWatch" name and branding are owned by us or our licensors and are protected by intellectual-property laws. All rights not expressly granted are reserved.

Underlying laws, regulations, and court decisions are public sources; our selection, arrangement, commentary, and presentation of them are protected.

Feedback you provide may be used by us without restriction or obligation to you.

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue features, and perform maintenance, at any time.

We may update the Content as laws change; we do not warrant that all Content is current at any given moment.

Support is provided via support@regwatch.wiki on a commercially reasonable-efforts basis.

You agree not to use the Service in any way that:

— (a) violates any law or regulation, or facilitates unlawful gambling or any illegal activity;

— (b) infringes the rights of others or breaches confidentiality or data-protection obligations;

— (c) introduces malware, attempts unauthorised access, or interferes with or overburdens the Service or its infrastructure;

— (d) misrepresents your identity or your right to use the Service;

— (e) uses the Content as, or presents it to others as, legal, financial, or regulatory advice.

The Service references and links to third-party laws, regulators, and sources. We do not control and are not responsible for third-party content, availability, or accuracy. Links are provided for convenience and are not endorsements.

"As is". The Service and Content are provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, currency, or non-infringement, or that the Service will be uninterrupted or error-free, to the maximum extent permitted by law.

No professional advice. Without limiting Section 4, nothing in the Service constitutes legal, financial, tax, or regulatory advice. You must verify any matter with qualified local counsel and the relevant primary sources or regulator before acting.

To the maximum extent permitted by law, we (and our owners, personnel, and suppliers) will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business, or opportunity, or for any regulatory action, fine, or penalty, arising out of or relating to the Service or the Content, even if advised of the possibility.

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the Service and these Terms will not exceed the greater of (a) the amount you paid for the Service in the 12 months before the event giving rise to the claim, or (b) USD 100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law (e.g. for fraud, or death/personal injury caused by negligence), and consumers' mandatory rights are not affected.

You agree to indemnify and hold us harmless from any claims, damages, liabilities, and reasonable costs (including legal fees) arising from your breach of these Terms, your misuse of the Service or Content, or your violation of law or third-party rights.

We may suspend or terminate your access immediately if you breach these Terms, if required by law, if payment fails or is charged back, or to protect the Service or other users.

You may stop using the Service at any time and cancel under Section 10.

On termination, your licence ends and you must stop using the Content. Sections that by their nature should survive (including 4, 11–14, 18–20, 24–25) survive termination.

We may update these Terms from time to time. We will post the updated version with a new "Last updated" date and, for material changes affecting paid Subscribers, provide reasonable notice. Continued use after changes take effect constitutes acceptance. Where a change materially reduces your rights during a paid term, you may cancel and request a pro-rata refund of the unused period.

We are not liable for any failure or delay caused by events beyond our reasonable control (including outages, cyber-attacks, third-party provider failures, acts of government, or force majeure).

If you deal as a consumer, you may have mandatory statutory rights (including certain warranty, withdrawal, and refund rights) that cannot be excluded. Nothing in these Terms limits those rights, and where a term conflicts with a mandatory consumer right, that mandatory right prevails.

These Terms are governed by the laws of the jurisdiction in which the operator is incorporated (to be finalised and stated here upon incorporation), without regard to conflict-of-laws rules.

The courts of that same jurisdiction have jurisdiction (to be finalised upon incorporation), except that a consumer may bring proceedings in, and rely on the mandatory law of, their country of residence where required by law.

Entire agreement. These Terms, the Privacy Notice, the Refund & Cancellation Policy, and any plan-specific terms are the entire agreement between you and us regarding the Service.

Severability. If any provision is held unenforceable, the remainder stays in effect.

No waiver. Our failure to enforce a provision is not a waiver.

Assignment. You may not assign these Terms without our consent; we may assign them (e.g. to an affiliate or successor entity, or on a merger, acquisition, or sale of assets), and will notify you of any change in the operating entity.

Notices. We may give notices by email or by posting on the Service. Notices to us should go to support@regwatch.wiki.

No agency. Nothing creates a partnership, agency, or employment relationship between you and us.

These Terms are provided in English, Russian, and Ukrainian. The translations are provided for convenience only; in the event of any discrepancy or conflict of interpretation, the English version prevails, except where mandatory local law requires the local-language version to govern.

— Operator: the RegWatch team (pre-incorporation — see Section 1.2)

— General / support: support@regwatch.wiki

— Legal / privacy: support@regwatch.wiki

— Registered address: to be added upon incorporation