Terms and Conditions for Cosmo Casino

These Terms and Conditions (hereinafter the “Terms and Conditions” or the “Terms”) constitute a legally binding agreement between you (hereinafter the “Player”, “you”, or “your”) and the operator of Cosmo Casino, accessible via Cosmo Casino (hereinafter “Cosmo Casino”, “phillyrapsheet.com”, “we”, “us”, or “our”). By creating an account, accessing, or using any services, games, or functionalities offered on phillyrapsheet.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not accept these Terms and Conditions, you must immediately cease using Cosmo Casino and any associated services.

Cosmo Casino is an online casino and gaming platform targeting, among others, players located in New Zealand, subject at all times to the laws of New Zealand and any applicable international licensing framework under which Cosmo Casino operates. The services available at phillyrapsheet.com include, without limitation, casino games, bonus offers, account services, and fiat and cryptocurrency transactions. You understand and accept that online gambling involves financial risk and that you may lose some or all of the funds deposited on your Cosmo Casino account.

By continuing to use Cosmo Casino, you expressly agree that these Terms and Conditions govern all aspects of your relationship with us, including but not limited to registration, gameplay, deposits, withdrawals, bonuses, crypto-transactions, anti-fraud procedures, responsible gaming measures, intellectual property, and dispute resolution. You should print or save a copy of these Terms and Conditions for your records. These Terms and Conditions may be updated or amended from time to time as detailed in Section 2 below.

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

By registering an account or accessing any content on phillyrapsheet.com, you confirm your full and unconditional acceptance of these Terms and Conditions. Your electronic acceptance, including ticking any acceptance box, continuing to use the Cosmo Casino website, or placing a wager, constitutes your legally binding agreement to comply with all provisions herein. You acknowledge that these Terms and Conditions apply equally to all products, games, promotions, and services provided by Cosmo Casino, regardless of the device or interface used to access them. You further acknowledge that additional rules may apply to specific games or promotional offers, and that such rules form an integral part of these Terms and Conditions. In the event of any discrepancy between such specific rules and these Terms and Conditions, unless explicitly stated otherwise, these Terms and Conditions shall prevail to the extent of such inconsistency.

You are solely responsible for ensuring that your use of Cosmo Casino and the services offered on phillyrapsheet.com is lawful in your jurisdiction of residence and/or access. Cosmo Casino does not provide legal advice and does not represent or warrant that your participation in online gambling is permitted in your location. Before registering an account with Cosmo Casino, you must independently verify that you are acting in full compliance with all applicable laws, regulations, and directives in your jurisdiction. By using phillyrapsheet.com, you confirm that online gambling is not prohibited in your jurisdiction, and that you have obtained any necessary consents or approvals required for such participation. You agree to indemnify and hold Cosmo Casino harmless from any claim, penalty, or damage arising from your breach of applicable law.

Cosmo Casino operates under an international online gambling license (e.g., Curacao or comparable authority, as notified on the website from time to time) and offers its services to New Zealand Players on a cross-border basis. By accessing phillyrapsheet.com from New Zealand, you acknowledge that the governing law and relevant licensing jurisdiction may differ from that of New Zealand, and you accept this legal framework, as further clarified in Section 14 of these Terms and Conditions. Nothing in these Terms and Conditions constitutes an offer, solicitation, or invitation by Cosmo Casino to use or access our services in any jurisdiction where such activities are unlawful. If you are located in a jurisdiction where online gambling is prohibited, you must not register or use Cosmo Casino under any circumstances.

You are wholly responsible for understanding and managing your own tax and reporting obligations arising from your gambling activities on phillyrapsheet.com. Cosmo Casino does not provide tax advice and is not responsible for reporting or paying any taxes, duties, or levies on your behalf unless required by applicable law. Any winnings, losses, or rewards obtained through Cosmo Casino may be subject to personal tax obligations in New Zealand or elsewhere, and you agree that you will bear full responsibility for confirming and fulfilling such obligations. You agree that Cosmo Casino may, where required by law or regulatory directive, withhold or report certain transactions or winnings to relevant authorities.

Your use of Cosmo Casino is also subject to our Privacy Policy, Cookies Policy, and any other policies or notices published on phillyrapsheet.com from time to time, all of which are incorporated into these Terms and Conditions by reference. By accepting these Terms and Conditions, you consent to our use of your personal data as outlined in those policies, including for purposes related to account management, AML/KYC checks, risk assessment, and responsible gaming.

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

Cosmo Casino reserves the unilateral right to modify, amend, update, or replace any part of these Terms and Conditions at any time, subject to applicable law and licensing requirements. Amendments may be made for a variety of reasons, including but not limited to compliance with regulatory changes, prevention of fraud or abuse, improvements to the user experience, or operational adjustments to phillyrapsheet.com. You acknowledge and agree that it is your responsibility to regularly review these Terms and Conditions to stay informed of any changes. Any material changes will be indicated by an update to the “Last Updated” date shown at the top or bottom of the Terms and Conditions page.

Where required by law or licensing regulation, Cosmo Casino will provide you with advance notice of material changes to these Terms and Conditions by appropriate means, which may include on-site notifications, email communication to the address registered on your account, or pop-up messages upon login to phillyrapsheet.com. If you continue to use Cosmo Casino after such changes take effect, your continued use shall constitute your acceptance of the revised Terms and Conditions. If you do not agree with any amendment, your sole remedy is to cease using Cosmo Casino, request account closure, and withdraw any remaining eligible balance, subject to these Terms and Conditions.

Cosmo Casino may, in its sole discretion, make immediate changes to these Terms and Conditions without prior notice where such changes are required for security reasons, to prevent fraud, to comply with urgent regulatory directives, or to rectify an obvious error or omission. In such cases, updated Terms and Conditions will be published on phillyrapsheet.com as soon as reasonably practicable. You acknowledge that such immediate changes may be necessary to protect both you and Cosmo Casino, and you agree to be bound by the Terms and Conditions as so modified.

Amendments may also affect the operation of specific games, bonuses, promotions, and financial limits offered at Cosmo Casino. For example, Cosmo Casino may alter wagering requirements, maximum bet limits, or bonus structures to comply with responsible gaming rules or licensing obligations. Where such changes materially affect a promotion or bonus in which you are already participating, we will endeavor to ensure that your existing participation is governed by the previous applicable rules, unless regulatory requirements or security concerns demand otherwise. In the event of any conflict between the amended Terms and Conditions and previous versions, the current version will prevail from the date it is published, except where explicitly stated otherwise.

You agree that Cosmo Casino shall not be liable for any loss, damage, or inconvenience arising from changes to these Terms and Conditions, provided such changes have been made in accordance with this section and applicable law. Your continued use of phillyrapsheet.com following the publication or notification of any amendments shall be deemed conclusive evidence of your acceptance of those amendments. We recommend that you regularly print or store updated copies of the Terms and Conditions for future reference.

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

To use Cosmo Casino and place real-money wagers on phillyrapsheet.com, you must be at least 18 years of age or older, or the minimum legal age for gambling in your jurisdiction, whichever is higher. By registering an account with Cosmo Casino, you expressly warrant and represent that you meet this minimum age requirement and that you possess full legal capacity to enter into a binding agreement under these Terms and Conditions. Cosmo Casino strictly prohibits the registration and use of its services by individuals under 18 years of age, and any such activity will be treated as a serious breach of these Terms and Conditions. We reserve the right to request proof of age and identity at any time and to suspend or close your account if satisfactory documentation is not provided.

During the account registration process on Cosmo Casino, you must provide true, accurate, current, and complete information, including but not limited to your full legal name, date of birth, residential address, email address, telephone number, and preferred currency. You agree to promptly update your account information on phillyrapsheet.com whenever any details change, and Cosmo Casino shall not be responsible for any loss or miscommunication resulting from your failure to maintain up-to-date information. If Cosmo Casino has reasonable grounds to suspect that your registration information is inaccurate, incomplete, or fraudulent, we may decline your registration, suspend your account, or restrict your access to certain services pending verification.

Cosmo Casino is obligated to perform identity verification, Know Your Customer (KYC) checks, and ongoing due diligence, particularly in connection with deposits, withdrawals, and crypto-transactions. You may be required to provide specific documents, such as government-issued identification, proof of address, proof of payment method, and, where necessary, proof of income or source of funds. Failure to provide the requested documentation in a timely manner may result in the suspension or closure of your account and the withholding of your funds in accordance with applicable law. The detailed requirements for KYC documentation are further set out in the KYC Document Requirements table in Section 8 and in the Anti-Fraud & AML provisions of Section 10.

Cosmo Casino enforces a strict one-account-per-user rule. You are permitted to have only one active player account at Cosmo Casino, and you must register personally and in your own name. The creation or use of multiple accounts by the same individual, whether for the purpose of bonus abuse, risk manipulation, identity concealment, or any other reason, is strictly prohibited and constitutes a material breach of these Terms and Conditions. If Cosmo Casino determines, in its sole discretion, that you have created or used more than one account, we may immediately close all such accounts, void any bonuses, invalidate winnings, and, subject to applicable law, confiscate any remaining balances. Multi-accounting is expressly treated as a form of fraud for the purposes of these Terms and Conditions.

You must keep your login credentials, including your username, password, and any two-factor authentication details, secret and secure at all times. You are solely responsible for all activity conducted under your Cosmo Casino account on phillyrapsheet.com, whether or not such activity was authorized by you. If you suspect that your login details have been compromised or that there has been any unauthorized use of your account, you must notify Cosmo Casino immediately. Until such notification is received and acknowledged by Cosmo Casino, we shall not be liable for any loss or damage arising from the unauthorized use of your account. Cosmo Casino reserves the right to require you to change your password or otherwise update security credentials at any time.

Cosmo Casino reserves the right to refuse, suspend, or close an account at its absolute discretion and without obligation to provide a reason, subject to applicable law and licensing conditions. In such cases, any funds legitimately owed to you will be returned, less any amounts deducted under these Terms and Conditions, including in connection with fraud, AML, chargebacks, or other prohibited activities. Closure or suspension of your account will not affect any obligations already incurred by you or Cosmo Casino prior to such action.

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

Cosmo Casino provides access to a range of casino games and related services from various third-party software providers via phillyrapsheet.com. However, the availability of specific games and services may vary depending on your jurisdiction, licensing constraints, technical limitations, and the policies of individual game providers. You acknowledge that certain games or providers may not be available to Players in New Zealand or in other territories due to legal or contractual restrictions. Cosmo Casino does not guarantee uninterrupted or universal availability of any particular game, feature, or provider and reserves the right to add, remove, or modify games and services at any time.

You are strictly prohibited from accessing Cosmo Casino or phillyrapsheet.com by using a Virtual Private Network (VPN), proxy, or any other technology or method that masks or alters your true IP address or geolocation. The use of a VPN or similar tools to circumvent geographic restrictions, licensing limitations, bonus conditions, or responsible gaming tools is deemed a severe breach of these Terms and Conditions. If Cosmo Casino reasonably suspects or determines that you have used, attempted to use, or facilitated the use of a VPN, proxy, or similar technology, we may suspend or close your account, void wagers, confiscate bonuses, and withhold winnings, subject to applicable law. You agree that Cosmo Casino may employ geolocation and IP detection tools at its discretion to identify and prevent such conduct.

Certain game providers, including but not limited to NetEnt, impose specific territorial restrictions on access to their games. For example, NetEnt titles may be unavailable in certain countries or regions and may only be offered to Players in New Zealand under defined conditions. By accessing Cosmo Casino, you acknowledge that such provider-specific restrictions form an integral part of these Terms and Conditions and that you will not attempt to bypass them. If you are found to be playing restricted games from a prohibited or blacklisted region, any related wagers, winnings, and bonuses may be declared void, and your account may be subject to sanctions as described herein.

Cosmo Casino maintains a list of blacklisted or restricted regions from which access to phillyrapsheet.com is prohibited or limited. This list may include, but is not limited to, jurisdictions where online gambling is illegal or where Cosmo Casino is not authorized to operate under its licensing framework. You agree that you will not access Cosmo Casino from any blacklisted region, either directly or through technological means. If you relocate to a blacklisted region, you must immediately notify Cosmo Casino and cease all gambling activities. We reserve the right to close or restrict your account and withhold access to certain games or services if we determine that you are located in or connected to a restricted territory.

Game outcomes on phillyrapsheet.com are determined by certified Random Number Generator (RNG) systems or, for live dealer games, by real-game events streamed from licensed studios. You acknowledge that the displayed results on the Cosmo Casino interface shall be final and binding. In the event of a technical error, malfunction, or disruption affecting game outcomes or display, Cosmo Casino reserves the right to invalidate the affected wagers or, where appropriate, restore the state of your account to a position before the error occurred. Game rules, odds, paytables, and special features may vary between providers and are made available within each game; you are responsible for reviewing these before placing wagers.

Cosmo Casino reserves the right, at its sole discretion, to refuse or limit bets, to cancel or void wagers, or to suspend access to certain games where it has reasonable grounds to suspect misuse, advantage play, collusion, software manipulation, or involvement in illegal activities. In particular, Cosmo Casino may restrict participation in specific games, jackpots, or promotions by Players who have been flagged as high-risk or who are subject to responsible gaming limits or self-exclusion measures. Access to Cosmo Casino games is a privilege, not a right, and may be modified or withdrawn by Cosmo Casino at any time in accordance with these Terms and Conditions.

5. Dormant and Inactive Accounts: Definition of Inactivity, Administrative Fees, and Balance Management

For the purposes of these Terms and Conditions, a Cosmo Casino account on phillyrapsheet.com shall be deemed “Inactive” if no login, wager, deposit, or withdrawal activity has occurred for a continuous period of 12 months. Once your account has been classified as Inactive, Cosmo Casino reserves the right to charge a reasonable monthly administrative fee for the maintenance and security of your account and balance. Unless otherwise required by applicable law, the standard administrative fee shall be EUR 10 (or currency equivalent) per month, deducted from your remaining real-money balance. If your balance is lower than the applicable monthly fee, Cosmo Casino may deduct a lesser amount up to the remaining balance, at which point your balance may reach zero.

Prior to your account being designated as Inactive, Cosmo Casino will endeavor to contact you using the latest email address or contact details registered on your phillyrapsheet.com account, where such contact is required by law or licensing conditions. The notification will inform you of your account’s upcoming dormant status and the applicable administrative fees. You remain solely responsible for ensuring that your contact details are accurate and up to date, and Cosmo Casino shall not be liable for any failure to receive such notifications due to outdated or inaccurate information. You may avoid the imposition of dormant account fees by logging in, making a wager, or contacting our support team to request account closure and withdrawal of any remaining funds, subject to standard KYC and withdrawal conditions.

If an account remains Inactive for a longer period, for example multiple years, Cosmo Casino may, in compliance with applicable law, classify the account as “Dormant” or “Abandoned”. In such circumstances, and where required or permitted by law, Cosmo Casino may be obligated to remit any remaining funds to the relevant authority or to treat the funds in accordance with escheatment or unclaimed property regulations. You acknowledge and agree that Cosmo Casino’s obligations in relation to Dormant accounts may be determined by the governing law and licensing jurisdiction, and that you may lose the right to reclaim unclaimed funds if you fail to take timely action.

Cosmo Casino will not charge dormant fees on accounts which have a zero balance, nor will it cause your account balance to become negative due to such fees. The deduction of dormant account fees will cease once your account balance reaches zero or if you reactivate your account by logging in and resuming regular activity. However, Cosmo Casino reserves the right to close a zero-balance Inactive or Dormant account at its discretion, without prior notice, and without any further financial obligation to you.

In the event that you return to Cosmo Casino after your account has been declared Dormant, you may be required to undergo updated KYC verification and to accept the then-current version of these Terms and Conditions. Cosmo Casino is under no obligation to reinstate bonuses, loyalty points, or promotional benefits that may have been associated with your account prior to dormancy. Any reinstatement of account privileges, bonuses, or VIP status shall be at Cosmo Casino’s sole discretion. You acknowledge that any failure to monitor the status of your account or to respond to Cosmo Casino’s communications concerning inactivity may result in the forfeiture of balance and associated benefits, subject always to applicable law.

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

Cosmo Casino supports multiple fiat currencies and cryptocurrencies for deposits and withdrawals on phillyrapsheet.com, subject to availability, regulatory constraints, and payment processor conditions. Fiat currencies may include, without limitation, EUR, USD, NZD, and other currencies displayed at the cashier interface. Cryptocurrencies may include, without limitation, Bitcoin (BTC), Ethereum (ETH), Tether (USDT), and other digital assets supported by Cosmo Casino from time to time. The availability of specific currencies or crypto-assets to Players in New Zealand is not guaranteed and may change without prior notice. You agree that the selection of your primary account currency on registration will determine how your balance is displayed, although actual processing may involve conversions.

Where a deposit, wager, or withdrawal involves currency conversion between your account currency and another currency or crypto-asset, Cosmo Casino will apply an exchange rate determined by us or by our payment and liquidity providers at the time of the transaction. These rates may reflect current market rates plus a margin and may differ from publicly quoted rates on third-party platforms. Cosmo Casino may charge a reasonable conversion fee, which shall be visible at or prior to the point of transaction where feasible or outlined in our cashier pages. By conducting transactions involving different currencies or crypto-assets on phillyrapsheet.com, you acknowledge and accept any applicable conversion rates and fees.

Below is an illustrative table of example currency conversion reference rates and indicative conversion fee ranges. These are for guidance only and do not constitute a binding or real-time rate. Actual rates will be displayed or applied at the time of transaction where feasible and may differ from the values below:

When transacting in cryptocurrencies such as BTC, ETH, or USDT on Cosmo Casino, you acknowledge that the value of these digital assets can be highly volatile and subject to significant market fluctuations. Deposits, wagers, and withdrawals are processed in the nominal crypto amount recorded at the time of the transaction and converted into your account currency as determined by Cosmo Casino’s systems. Any later changes in the market value of the cryptocurrency will not affect completed transactions, and Cosmo Casino is under no obligation to compensate you for any gain or loss arising from price movements. You bear sole responsibility for managing your exposure to cryptocurrency volatility.

Cosmo Casino does not provide any warranty or guarantee regarding the stability, security, or regulatory status of any cryptocurrency or blockchain network. Transactions in crypto-assets may be subject to network congestion, miner fees, transfer delays, blockchain reorganizations, or other technical factors beyond Cosmo Casino’s control. By using cryptocurrency transactions on phillyrapsheet.com, you accept these risks and agree that Cosmo Casino shall not be liable for any loss or delay resulting from such external factors, provided Cosmo Casino has acted with reasonable care in processing your request on its systems.

You are solely responsible for ensuring that you use accurate wallet addresses and compatible networks when depositing cryptocurrencies to your Cosmo Casino account. If you send cryptocurrency to an incorrect, unsupported, or out-of-date wallet address, or if you use an incompatible network (for example, sending tokens via the wrong chain), the funds may be permanently lost. Cosmo Casino is under no obligation to recover incorrectly sent crypto-assets and may not be able to do so even with technical effort. You must always follow the cryptocurrency deposit instructions provided on phillyrapsheet.com and double-check address details before initiating transfers from your external wallet or exchange.

Cosmo Casino may, at its sole discretion, limit the types of cryptocurrencies supported, impose minimum and maximum crypto transaction limits, require additional AML/KYC checks for crypto deposits and withdrawals, or restrict withdrawals to the same wallet or network used for deposits. These measures are intended to comply with anti-money laundering regulations, counter-terrorist financing rules, and responsible gaming standards. By using crypto-transactions on Cosmo Casino, you expressly agree to all such operational and compliance safeguards.

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

To participate in real-money gameplay on Cosmo Casino, you must make a deposit using one of the available payment methods listed on the cashier page of phillyrapsheet.com. The availability of specific deposit methods may vary depending on your jurisdiction, account status, and payment processor conditions. Each deposit method may have its own processing times, limits, and fees, which are either displayed in the cashier or communicated before you confirm the transaction. Cosmo Casino does not guarantee the availability of any specific method at all times and may add or remove deposit options at its discretion.

Cosmo Casino imposes minimum and maximum deposit limits per transaction, per day, per week, or per month, which may vary depending on the payment method used and your player status. For example, standard minimum deposits may range from the equivalent of EUR 10 to EUR 20, with higher maximum limits being applicable to verified or VIP Players at Cosmo Casino. These limits are designed to manage risk, promote responsible gaming, and comply with regulatory and payment processor requirements. Cosmo Casino reserves the right to adjust deposit limits on an individual or general basis at any time.

Deposits must be made exclusively from payment instruments (such as bank accounts, cards, e-wallets, or crypto wallets) that are held in your own name and legally belong to you. Cosmo Casino strictly prohibits third-party deposits, meaning you must not use payment details registered to another person, entity, or unrelated wallet address. If Cosmo Casino identifies or reasonably suspects that a deposit has been made from a third-party source, we may void any associated winnings, return the deposit to the original source where possible, and close or suspend your account on phillyrapsheet.com. These actions may be taken in combination with AML investigations and reporting obligations.

When you deposit funds in a currency different from your Cosmo Casino account’s base currency, or deposit cryptocurrencies that must be converted into fiat for gameplay purposes, Cosmo Casino will apply currency or crypto conversion according to the prevailing rates and fees as described in Section 6. You acknowledge that currency conversion may involve a margin or spread above wholesale market rates and that your gameplay balance may differ from the original amount sent due to such conversion. Cosmo Casino is not responsible for any additional fees or charges imposed by your bank, card issuer, e-wallet provider, or crypto exchange in connection with deposits to phillyrapsheet.com.

Deposited funds on Cosmo Casino are credited to your account balance once Cosmo Casino or its payment providers confirm successful receipt of the funds. Depending on the payment method, deposits may be credited instantly or after a processing delay. Cosmo Casino cannot be held liable for delays or failures in crediting deposits arising from bank issues, third-party payment processor downtime, blockchain congestion, or incorrect payment details provided by you. In case of a dispute relating to a deposit, you may be required to provide proof of payment, such as a bank statement, transaction hash, or confirmation screenshot, to assist Cosmo Casino in investigating the matter.

Deposits are intended solely for the purpose of participating in real-money gaming on Cosmo Casino and shall not be used for any other purpose such as currency exchange, money transfer, or arbitrage activity. Cosmo Casino reserves the right to scrutinize deposit patterns and, if it deems necessary, the underlying transactions for potential misuse, including but not limited to rapid deposit-and-withdraw behavior without commensurate wagering (“financial pass-through”). In such cases, Cosmo Casino may impose wagering requirements on deposited amounts, reject or reverse deposits, or take such other actions as it deems appropriate to comply with legal and regulatory obligations.

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

You may request withdrawals of your available real-money balance from Cosmo Casino via the cashier section on phillyrapsheet.com, subject to these Terms and Conditions, KYC/AML requirements, and any specific payment method constraints. Cosmo Casino endeavors to review and process withdrawal requests within a standard timeframe of 0 to 48 hours from the moment the request is approved by our internal systems. However, actual receipt times may vary depending on factors such as payment method, bank processing schedules, external network delays, and the need for additional verification. Cosmo Casino does not guarantee any specific withdrawal time and shall not be liable for delays beyond its reasonable control.

Prior to processing any withdrawal, Cosmo Casino may conduct KYC and AML checks in accordance with applicable laws and licensing obligations. You may be required to submit, update, or confirm documentation verifying your identity, address, payment method ownership, and source of funds or wealth. In certain cases, such verification may take up to 30 calendar days from the date of initial request, particularly where complex due diligence is required. During this time, your withdrawal may be placed on hold pending satisfactory completion of these checks. Failure to provide requested documentation within the specified timeframe may result in cancellation of the withdrawal and possible account suspension.

Cosmo Casino applies daily, weekly, or monthly withdrawal limits, which may differ based on your Player category, currency, payment method, and account history. For example, standard Players may be limited to a maximum of the equivalent of EUR X per day and EUR Y per month, while VIP Players on Cosmo Casino may be entitled to higher limits, subject to agreed terms. These limits are intended to manage overall financial exposure, comply with AML rules, and maintain operational stability. Cosmo Casino reserves the right to reduce or increase these limits at its discretion and may, in exceptional cases, agree to special arrangements upon request.

Progressive jackpot wins are subject to specific rules and may not be bound by the standard withdrawal limits applicable to regular gameplay winnings. Progressive jackpot payouts may be funded partly or wholly by the relevant game provider or third-party jackpot network, and the timing, method, and structure of such payments may be governed by separate contractual arrangements. Cosmo Casino will endeavor to facilitate the swift and accurate payment of progressive jackpots won on phillyrapsheet.com but cannot be held liable for delays or failures attributable to third-party providers, subject to the extent permitted by law. Additional KYC and AML verification measures are mandatory prior to any progressive jackpot payout.

Withdrawals should, where technically feasible and in line with AML best practices, be made using the same payment method and to the same account or wallet used for deposits, particularly in the case of card payments, bank transfers, or crypto-transactions. Cosmo Casino reserves the right to require that certain withdrawal types are restricted to specific methods to mitigate fraud and money laundering risks. You acknowledge that withdrawal options may be more limited than deposit methods on phillyrapsheet.com and that some methods may only be available for withdrawals after successful prior use for deposits.

To provide additional clarity, the following table outlines indicative deposit and withdrawal limits used by Cosmo Casino, which are subject to change and may vary by Player and currency. These figures are for illustrative purposes only; current limits will be shown in the cashier or communicated directly by Cosmo Casino:

You understand that Cosmo Casino reserves the right to offset any existing negative balances, bonus abuse claims, chargebacks, or other legally due amounts against your withdrawal request. In cases where the total balance is insufficient to cover such liabilities, Cosmo Casino may pursue additional recovery actions, including but not limited to debt collection and legal proceedings. Further, Cosmo Casino may withhold or delay withdrawals if it has reasonable grounds to suspect that the funds are linked to unlawful or fraudulent activity, pending investigation and, if necessary, notification to relevant authorities.

Cosmo Casino does not permit withdrawals of funds that are subject to active wagering requirements or bonus conditions, except where required by law. If you request a withdrawal of funds that include bonus-related amounts prior to meeting the applicable wagering requirements, the bonus and any associated winnings may be forfeited, and only the remaining eligible real-money balance, if any, may be withdrawn. The specific terms of each bonus, including wagering requirements and maximum win caps, are provided in the relevant promotional rules and form part of these Terms and Conditions.

Cosmo Casino is not responsible for any charges, fees, or currency conversion costs imposed by your bank, card issuer, e-wallet provider, crypto exchange, or other financial intermediary in connection with withdrawals processed from phillyrapsheet.com. You acknowledge that receiving banks or wallet providers may convert funds to a local currency or crypto-asset and may apply their own exchange rates and fees, over which Cosmo Casino has no control. You are advised to consult your financial provider for detailed information on applicable charges.

For avoidance of doubt, withdrawal requests may be reversed or cancelled by you within the timeframe in which they are shown as “pending” in the cashier, subject to technical feasibility and Cosmo Casino’s internal procedures. Once a withdrawal has been marked as “processed” or “completed” by Cosmo Casino, it can no longer be reversed.

As part of our KYC requirements, Cosmo Casino may request the following documentation, depending on the size and nature of your transactions. The table below sets out typical KYC document requirements, which may be expanded depending on risk assessment and regulatory obligations:

9. Refund Policy: Request Windows and Identity Verification for Refunds

Deposits made to your Cosmo Casino account on phillyrapsheet.com are, as a general rule, non-refundable once they have been used in gameplay or once a wager has been placed. However, Cosmo Casino recognizes that limited circumstances may arise in which a refund of an unused deposit or certain fees may be justified. Subject to AML, responsible gaming, and technical considerations, Cosmo Casino may, at its sole discretion, consider refund requests in respect of deposits that remain fully or partially unused.

You may request a refund of an unused deposit within 24 hours from the time the deposit was credited to your Cosmo Casino account, provided that no wagering has been carried out with those funds and that no bonuses have been activated in connection with the deposit. Additionally, in cases of alleged unauthorized transactions or technical errors, you may submit a refund request within 30 days of the transaction appearing on your bank, e-wallet, or crypto wallet statement. Cosmo Casino will review such requests on a case-by-case basis, and approval is not guaranteed.

Before processing any refund, Cosmo Casino may require you to complete full KYC and AML verification to confirm your identity and the legitimacy of the payment method involved. This includes providing supporting documents as outlined in the KYC requirements table in Section 8. Refunds will, where possible, be made only to the same payment method and account or wallet from which the original deposit originated. Cosmo Casino may refuse or delay refunds where it reasonably suspects that the request is linked to fraud, money laundering, chargeback abuse, or any violation of these Terms and Conditions.

You acknowledge that refunding cryptocurrency transactions may be technically complex due to volatility, transaction fees, and blockchain characteristics. Where a crypto deposit qualifies for a refund, Cosmo Casino will endeavor to refund the same crypto amount originally received, less any applicable network fees and, where necessary, administration fees, provided that doing so does not contravene AML regulations or licensing conditions. If a direct crypto refund is not possible or advisable, Cosmo Casino may, at its discretion and subject to your agreement, process the refund in fiat at a conversion rate determined at the time of refund.

Refunds do not apply to losses incurred through legitimate gameplay on Cosmo Casino. Once wagers have been placed and settled according to the result of the relevant game, those outcomes are final, and any resulting loss does not qualify for a refund. Cosmo Casino shall not refund losses attributable to your own decisions, including but not limited to the size of wagers, choice of games, use of bonuses, or insufficient understanding of game rules. Responsible gaming tools and educational resources are made available to help you manage your gambling behavior; please refer to Section 11 for more information.

Any approved refund will be processed within a reasonable timeframe following the conclusion of necessary checks, but Cosmo Casino cannot guarantee specific crediting times due to dependence on third-party payment systems and blockchain networks. If a refund transaction fails or is rejected by your bank, card issuer, e-wallet, or crypto wallet provider, Cosmo Casino will attempt to contact you to arrange an alternative but equivalent refund method, subject to regulatory approval and technical feasibility. Failure to cooperate or provide required details may result in the forfeiture of the refund, to the extent permitted by law.

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

Cosmo Casino is firmly committed to preventing fraud, money laundering, terrorist financing, and other illegal activities on phillyrapsheet.com. To this end, we implement a comprehensive range of technical, procedural, and legal measures designed to detect and deter suspicious behavior and to comply with applicable AML/CFT legislation and licensing conditions. By registering and using Cosmo Casino, you agree that your transactions and activities may be monitored, recorded, and assessed using automated and manual tools for risk management and crime prevention purposes. You understand that Cosmo Casino may share relevant information with regulatory or law enforcement authorities where required or permitted by law.

Prohibited activities include, but are not limited to, the use of stolen or unauthorized payment methods, chargeback abuse, identity theft, submitting fraudulent identification documents, collusion between Players, manipulation or exploitation of software bugs, use of automated systems (bots) to place wagers, arbitrage or advantage play inconsistent with fair gaming, and the operation of multiple accounts in violation of the one-account-per-user rule. Cosmo Casino treats multi-accounting as a fraud risk and may link accounts based on shared IP addresses, device fingerprints, payment methods, or other identifiable markers. If we reasonably believe that you have engaged in any of these practices, we may take immediate action as described below.

Cosmo Casino may use specialized software, algorithms, and analytical tools to detect patterns indicative of collusion or unfair advantage, particularly in games where interaction between Players or complex betting strategies are possible. This may involve analyzing bet timing, wager sizes, IP data, game histories, and device characteristics to identify suspicious correlations. If Cosmo Casino suspects that you are colluding with other Players or using tools that provide an unfair advantage, we may void wagers, reverse winnings, close or suspend affected accounts, and report the activity to relevant authorities.

In the context of AML compliance, Cosmo Casino may impose transaction monitoring thresholds, enhanced due diligence measures, and temporary or permanent restrictions on your account. This can include limiting deposit and withdrawal amounts, requesting detailed information on your source of funds or wealth, or requiring additional documentation before processing large or frequent transactions. If you fail to supply sufficient information or if Cosmo Casino considers the risk to be too high, we may refuse to process the transaction, close your account, and, where legally required, freeze or confiscate funds pending investigation.

If Cosmo Casino determines, in its sole discretion and based on reasonable evidence, that you have engaged in fraudulent activity, money laundering, collusion, or any other violation of these Terms and Conditions, we may take one or more of the following actions: suspend or close your account on Cosmo Casino, void some or all wagers, confiscate bonuses and winnings, restrict access to certain games, and block further transactions. In addition, Cosmo Casino reserves the right to cooperate fully with law enforcement and regulatory authorities by providing them with relevant information and documentation. You agree that Cosmo Casino shall not be liable for any losses incurred by you as a result of such enforcement measures taken in accordance with applicable law.

You acknowledge that attempts to conduct chargebacks or deny legitimate transactions initiated by you may be treated as fraudulent behavior. In the event of a chargeback or payment dispute initiated without valid cause, Cosmo Casino may recover the amount of the chargeback, plus any associated costs and fees, from your account balance or through legal or collection channels. Furthermore, Cosmo Casino may share your details with industry databases and other operators to prevent repeated abuse of chargeback mechanisms.

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

Cosmo Casino is committed to promoting responsible gaming and providing tools and resources to help Players on phillyrapsheet.com manage their gambling behavior in a safe and controlled manner. While gambling can be an enjoyable form of entertainment, it also carries the risk of financial harm and addiction. You acknowledge that you are solely responsible for your gambling decisions and that you should never bet more than you can afford to lose. Cosmo Casino encourages you to regularly monitor your play, set personal limits, and seek professional assistance if you believe your gambling is becoming problematic.

Cosmo Casino offers a range of configurable limits to help you control your gambling, including but not limited to deposit limits, loss limits, wagering limits, and session time limits. These limits can typically be set on a daily, weekly, or monthly basis from within your account settings on phillyrapsheet.com or by contacting our support team. Decreasing limits will take effect immediately, whereas requests to increase or remove limits may be subject to a cooling-off period to prevent impulsive decisions. You are encouraged to utilize these tools as part of your overall bankroll management and to reassess limits regularly.

The table below provides an illustrative overview of typical responsible gaming limits that may be offered by Cosmo Casino. Actual limit options may vary and will be displayed on the responsible gaming or cashier pages:

If you feel that you need a temporary break from gambling, Cosmo Casino offers “cooling-off” periods, during which your account on Cosmo Casino may be voluntarily suspended for a defined period, such as 24 hours, 7 days, or 30 days. During a cooling-off period, you will be unable to deposit or wager, although you may still be permitted to log in for account and withdrawal purposes, subject to system configuration and applicable law. Once the cooling-off period expires, your account will typically be reactivated automatically, unless other responsible gaming measures or account restrictions are in place.

For Players who believe they may be at risk of or are already experiencing gambling-related harm, Cosmo Casino provides a self-exclusion facility. Self-exclusion allows you to block access to your account on phillyrapsheet.com for a minimum period (for example, 6 months, 1 year, or longer) or permanently. During self-exclusion, you will not be able to deposit, wager, or access real-money games, and Cosmo Casino will take reasonable steps to prevent you from creating new accounts. You must inform Cosmo Casino immediately if you become aware of any attempt to circumvent your self-exclusion.

You understand and accept that responsible gaming tools, including limits, cooling-off, and self-exclusion, rely on accurate implementation and your cooperation. Cosmo Casino will use reasonable efforts to enforce these measures, but cannot be held liable for losses you incur if you circumvent, manipulate, or otherwise undermine such tools, for example by creating a new account in breach of the one-account-per-user rule or by accessing Cosmo Casino from different devices or locations using false details. If you reside in New Zealand and require support for problem gambling, you are strongly encouraged to contact local support services such as the Gambling Helpline in New Zealand or other specialist organizations.

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

Your use of Cosmo Casino and all services provided via phillyrapsheet.com is at your own risk. To the fullest extent permitted by applicable law, Cosmo Casino shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of or inability to use our services, including but not limited to loss of profits, loss of data, business interruption, or reputational harm. This limitation applies regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, and whether or not Cosmo Casino has been advised of the possibility of such damages.

Cosmo Casino provides its games, software, and website on an “as is” and “as available” basis and does not warrant that the operation of phillyrapsheet.com will be uninterrupted, error-free, or free from viruses, malware, or other harmful components. While Cosmo Casino will use reasonable efforts to correct known defects and maintain the availability of core services, it cannot guarantee that technical errors, downtime, or interruptions will not occur. In the event of a system malfunction, crash, or other technical issue affecting game outcomes or your ability to place or settle wagers, Cosmo Casino reserves the right to void affected bets, restore balances to a previous state, or take other remedial action as it deems appropriate.

You acknowledge that there may be circumstances in which bets are accepted or settled incorrectly due to human error, software defects, misconfigurations, or third-party system failures. Such errors may include, without limitation, incorrect game results, miscalculated payouts, erroneous odds, or duplicated transactions. Cosmo Casino reserves the right, upon discovering an error, to correct the mistake by adjusting your account balance, voiding affected wagers, or reversing incorrectly calculated winnings, provided such corrections are carried out in a consistent and non-discriminatory manner. If your account has been credited or debited in error, you must promptly notify Cosmo Casino and cooperate in rectifying the discrepancy.

Cosmo Casino shall not be responsible for any failure or delay in performing its obligations under these Terms and Conditions where such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, strikes, power failures, telecommunications outages, supplier or payment processor failures, or changes in applicable law or regulation. In such circumstances, Cosmo Casino may suspend or terminate certain services, void affected bets, or cancel promotions without incurring liability, provided it acts in good faith and in accordance with regulatory requirements.

Nothing in these Terms and Conditions shall exclude or limit Cosmo Casino’s liability for death or personal injury resulting from its negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law. To the extent that New Zealand consumer protection law or other mandatory legal provisions apply to you, certain exclusions or limitations of liability in this Section may not apply, and your statutory rights remain unaffected. In any case, Cosmo Casino’s aggregate liability to you, whether arising from contract, tort, or otherwise, shall not exceed the total amount of deposits you have made to your Cosmo Casino account during the preceding six (6) months prior to the event giving rise to the claim.

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

All content and materials made available on Cosmo Casino and phillyrapsheet.com, including but not limited to text, graphics, logos, icons, images, audio clips, video, software code, and data compilations, are the intellectual property of Cosmo Casino, its affiliates, licensors, or content providers, and are protected by copyright, trademark, and other intellectual property laws. The selection, compilation, arrangement, and enhancement of such content also constitute proprietary material of Cosmo Casino. Unauthorized use, reproduction, distribution, or modification of any such content is strictly prohibited and may result in civil and criminal penalties.

The name “Cosmo Casino”, the domain “phillyrapsheet.com”, and all related logos, trade names, service marks, and branding elements used on the website constitute trademarks or registered trademarks of Cosmo Casino or its licensors. You are not granted any license or right to use any such trademarks without the prior written consent of Cosmo Casino, except for limited personal use as expressly permitted by these Terms and Conditions. Any unauthorized use of Cosmo Casino trademarks, including but not limited to using confusingly similar names or branding, may be subject to legal action.

Subject to your full compliance with these Terms and Conditions, Cosmo Casino grants you a limited, non-exclusive, non-transferable, revocable license to access and use the website and services on phillyrapsheet.com for your personal, non-commercial entertainment purposes only. This license does not include any right to redistribute, resell, copy (except for personal backup or offline reading), publicly display, modify, create derivative works from, decompile, reverse engineer, or otherwise exploit any part of Cosmo Casino’s content or software. You agree not to interfere with or circumvent security features or access control mechanisms protecting Cosmo Casino’s intellectual property.

Third-party software providers and content creators whose games or materials are featured on Cosmo Casino retain ownership of their respective intellectual property rights. Use of such third-party content is subject to any end user license terms or conditions specified by those providers, in addition to these Terms and Conditions. Cosmo Casino does not grant you any rights to use third-party trademarks, game titles, characters, or media beyond what is necessary to access and enjoy the games on phillyrapsheet.com for personal entertainment.

If you believe that any content on Cosmo Casino infringes your intellectual property rights or those of a third party, you must promptly notify Cosmo Casino in writing, providing sufficient detail for us to investigate the alleged infringement. Such notice should include, where applicable, identification of the copyrighted work or trademark, evidence of your ownership or authorization, the specific location of the allegedly infringing material, and your contact details. Cosmo Casino will review and, where appropriate, remove or disable access to infringing content and may take additional actions as required by law.

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

Cosmo Casino aims to provide high-quality services and a fair gaming environment on phillyrapsheet.com. If you have a complaint concerning our services, games, transactions, or any aspect of your interaction with Cosmo Casino, you should first contact our customer support team using the channels specified on the website. You are encouraged to provide a clear and detailed description of the issue, including relevant dates, transaction references, screenshots, and any other supporting documentation. Cosmo Casino will acknowledge receipt of your complaint and will use reasonable efforts to resolve it promptly and fairly.

If, after following the internal complaints procedure, you are unsatisfied with the outcome or believe that Cosmo Casino has not adequately addressed your concerns, you may escalate the matter by submitting a formal written complaint to our management team at the address or email designated for complaints. Cosmo Casino will conduct a further review and provide a final response within a reasonable period, taking into account the complexity and nature of the dispute. You agree to cooperate fully with these internal processes before commencing any external claim or legal action.

These Terms and Conditions, and any dispute, claim, or controversy arising out of or relating to your use of Cosmo Casino, shall, subject to mandatory local law, be governed by and construed in accordance with the laws of Curacao or the principal licensing jurisdiction under which Cosmo Casino operates, without regard to conflict-of-law principles. Notwithstanding that you may be resident in New Zealand, you agree that the governing law and licensing framework specified by Cosmo Casino will apply to this contractual relationship, except where New Zealand mandatory legal provisions require otherwise. Where applicable, consumer protection rights afforded by New Zealand law shall remain unaffected.

Subject to any rights you may have under New Zealand law and to any mandatory dispute resolution mechanisms imposed by our licensing authority, you agree that any unresolved dispute or claim between you and Cosmo Casino will be submitted to binding arbitration or alternative dispute resolution (ADR) in the governing jurisdiction. The arbitration shall be conducted in English by an independent, neutral arbitrator or ADR entity recognized by the relevant licensing authority. The decision of the arbitrator shall be final and binding on both parties, subject only to any rights of appeal provided by law. Each party shall bear its own costs of arbitration unless the arbitrator decides otherwise.

Nothing in this Section shall prevent Cosmo Casino from seeking interim or injunctive relief from a court of competent jurisdiction where such relief is necessary to protect its legitimate interests, including but not limited to intellectual property rights, confidentiality obligations, or enforcement of AML measures. Likewise, if mandatory consumer redress mechanisms apply in New Zealand, you may have the right to submit complaints to designated bodies or tribunals as set out under New Zealand law.

You agree that any claim or cause of action you may have against Cosmo Casino arising out of or related to your use of phillyrapsheet.com must be brought within one (1) year after the cause of action arose, unless a longer period is mandated by applicable law. Failure to bring such claim within the prescribed period shall result in the claim being permanently barred.

15. Acknowledgement: Final Statement of Consent to Use phillyrapsheet.com Services

By registering an account, accessing, or using Cosmo Casino in any way, you affirm that you have read these Terms and Conditions in full, understand their content, and agree to be bound by them. You acknowledge that this agreement governs your entire relationship with Cosmo Casino in relation to the services offered on phillyrapsheet.com, including all aspects of registration, gameplay, bonuses, deposits, withdrawals, crypto-transactions, responsible gaming tools, and dispute resolution procedures. You further acknowledge that any breach of these Terms and Conditions may result in the suspension or closure of your account, forfeiture of funds, and other actions described herein.

You confirm that the personal information and documentation you provide to Cosmo Casino are accurate, complete, and not misleading, and that you will promptly update such information when changes occur. You consent to Cosmo Casino verifying your identity, carrying out AML checks, and monitoring your transactions in accordance with applicable laws, licensing conditions, and these Terms and Conditions. You understand that Cosmo Casino may process your data, including cross-border transfers where necessary, for the purposes of providing services, verifying identity, preventing fraud, and promoting responsible gaming on phillyrapsheet.com.

By using Cosmo Casino, you accept the inherent risks associated with online gambling, including the possibility of losing money. You agree that you are solely responsible for your wagers, gaming decisions, and financial management, and that Cosmo Casino bears no responsibility for your personal financial outcomes beyond what is set out in these Terms and Conditions. You undertake to use the responsible gaming tools provided and to seek external help if you believe your gambling is no longer under control.

You acknowledge that Cosmo Casino may, from time to time, offer bonuses, promotions, loyalty schemes, and other incentives, each of which will be governed by specific terms and conditions in addition to this main agreement. By participating in any such promotions, you agree to be bound by both the general Terms and Conditions and the specific promotional rules. In the event of any conflict between promotional rules and these Terms and Conditions, the latter shall prevail unless the promotional rules expressly state otherwise.

If you disagree with any part of these Terms and Conditions, or if you become unwilling to be bound by them at any time, your only recourse is to cease using Cosmo Casino, request account closure, and withdraw any remaining eligible funds (subject to KYC, AML, and withdrawal rules). Continued use of phillyrapsheet.com after any amendments to these Terms and Conditions signifies your ongoing acceptance and agreement. This acknowledgement clause completes the Terms and Conditions applicable to Cosmo Casino and your use of phillyrapsheet.com as a New Zealand Player, subject to updates and modifications as described in Section 2 above.