Terms & Conditions

Afabet (afabet.co) is operated by Baggybet Pty Ltd (ABN 61 673 015 275; ACN 673 015 275), with its registered address at 3 Tilba Street, Narooma, New South Wales 2546, Australia. Baggybet Pty Ltd is licensed in New South Wales under Licence No. 5521/2023/WB and regulated by Liquor & Gaming NSW.

Afabet provides sports and racing wagering services to eligible customers in accordance with applicable Australian law.

To open and use a Afabet wagering account, you must:

• be 18 years of age or older
• register using your own legal identity
• be located in a jurisdiction where use of the service is lawful
• satisfy applicable identity and age-verification requirements
• not be prohibited from using wagering services due to applicable self-exclusion restrictions

Afabet may request information reasonably necessary to confirm your eligibility.

If you are registered with BetStop — the National Self-Exclusion Register — Afabet cannot provide wagering account access contrary to applicable self-exclusion requirements.

Each Afabet account is personal to the registered customer. You must not allow another person to use your account or use another customer's account.

You are responsible for:

• maintaining accurate and current account information
• keeping your login credentials secure and confidential
• all activity conducted through your account
• notifying Afabet promptly if you suspect unauthorised access

Afabet may temporarily restrict an account while investigating suspected misuse, duplicate accounts, fraud, security concerns or breaches of these Terms. If you need account assistance, contact Afabet through the Help Centre.

Eligible deposits and withdrawals can be made using payment methods available through your Afabet account.

Debit only. Credit cards and credit-based payment methods are not accepted for wagering.

Available payment methods may include eligible debit cards, BPAY, PayID, Apple Pay and Google Pay. Available limits, processing information and eligible methods are shown through the Afabet account where applicable.

Afabet may perform identity, payment or compliance checks before processing deposits or withdrawals where required.

Afabet is not a bank and does not pay interest on customer account balances.

A wager is accepted only when it has been confirmed and recorded by Afabet. Before acceptance, a wager may be declined or limited where permitted.

Afabet displays decimal odds. Odds may change before a wager is accepted. The odds displayed when browsing a market may differ from the odds available at the time of submission.

Estimated returns are calculated using the stake and the accepted odds. The estimated return includes the original stake. For example, a $10 stake at decimal odds of 2.50 produces an estimated total return of $25.00, including the original $10 stake. This is an explanatory example only.

Customers should review the Bet Slip, including selections, odds, stake and estimated return, before submitting a wager.

Wagers are settled using the applicable official result for the relevant sporting or racing event and the applicable Afabet wagering rules. Market-specific settlement conditions may apply to individual sports, racing events and wagering markets.

A wager may be voided or adjusted where permitted if:

• an event is abandoned or materially changed
• a clear pricing or market error (palpable error) occurs
• a racing runner is scratched where relevant rules apply
• the integrity of an event or market is materially compromised
• another applicable market rule requires the wager to be void

Once a wager has been accepted, customers should not assume it can be cancelled or edited. Customers should review their Bet Slip before submitting a wager.

A standard Multi combines multiple selections into a single wager. If a selection within a Multi is void, treatment of the remaining selections follows the applicable market rules.

Available combinations and selections are displayed during construction of the wager.

Any applicable maximum payout limits are determined by Afabet wagering rules and will be made available where relevant.

Responsible gambling is important to Afabet. Wagering should remain a form of entertainment and customers should only wager amounts they are prepared to lose.

Afabet provides responsible gambling tools including:

• Deposit Limits — set and manage limits on the amount you deposit
• Take a Break — temporarily restrict access to wagering
• Self-Exclusion — restrict access to wagering for a longer term

For more information, visit the Afabet Responsible Gambling page.

For free, confidential support available 24/7:

• Gambling Help Online — 1800 858 858 (gamblinghelponline.org.au)
• BetStop — the National Self-Exclusion Register (betstop.gov.au)

Afabet may undertake customer verification, transaction monitoring and other measures required by applicable Australian anti-money-laundering and counter-terrorism-financing obligations.

Afabet does not permit use of its services for:

• proceeds of crime
• money laundering
• terrorism financing
• sanctions evasion
• intentionally structured transactions intended to avoid lawful monitoring

Afabet may request source-of-funds or other information where reasonably required by applicable law.

To the extent permitted by law, Baggybet Pty Ltd is not responsible for indirect or consequential losses arising from use of the service, including losses arising from technical faults, service interruptions, third-party failures or events outside reasonable control.

Nothing in these Terms excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded under applicable Australian law.

Afabet does not guarantee a win, a particular result, a financial return, or the accuracy of predictions, form information or statistics as an indication of future outcomes.

Information such as form, statistics, results, odds and market information is provided for informational purposes only and is not financial advice or a guarantee of outcome.

Gambling involves risk and customers may lose money.

Afabet may refuse, suspend or limit a wager, account or market where reasonably necessary for purposes such as:

• risk management
• legal or regulatory compliance
• event integrity
• security
• responsible gambling obligations
• suspected misuse or breach of these Terms

Customers are responsible for understanding any tax obligations that may apply to them. Afabet does not provide tax advice.

Afabet may update these Terms & Conditions from time to time. Material changes will be reflected on afabet.co and identified by the Last updated date.

These Terms operate subject to applicable laws of Australia and any other laws that lawfully apply to the Afabet service and the customer.

If an account remains inactive for an extended period, Afabet may contact the customer and manage any remaining balance in accordance with applicable law and account requirements.

If any part of these Terms is found to be unenforceable, the remaining provisions continue to apply to the extent permitted by law.

These Terms & Conditions, together with the Privacy Policy, Responsible Gambling Terms and applicable Afabet wagering rules, form the agreement governing use of the Afabet service.