Terms & Conditions

These Terms and Conditions ("Terms") govern your relationship with the operator of the Miki real-money online gambling services provided via the website located at mikiswi.com (together, the "Site"). By registering an account, accessing, or using the Site you agree to be bound by these Terms. If you do not agree, you must not use the Site. These Terms are effective from 1 January 2026 and may be updated from time to time as described below.

Definitions

Observe - Key Parties and Services

Operator means Novatech Solutions N.V., a company incorporated in Curaçao and operating the Miki gambling services on mikiswi.com under Master License No. 365/JAZ issued by the Governor of Curaçao, including any authorised payment-processing subsidiaries (for example, entities located in Cyprus).
Site means the online gambling platform, including all pages, content, software, and services accessible to UK users at mikiswi.com under the Miki offering.
User or Player means any natural person who accesses the Site, whether or not they complete account registration, and in particular customers located in the United Kingdom.

Expand - Gambling Activity and Funds

Account means your personal player account created on the Site for the purpose of participating in gambling activities and holding deposited funds and bonuses.
Bet or Wager means any stake placed by you on games, events, or outcomes offered on the Site, whether using real money funds or bonus funds.
Deposit means any transfer of funds to your Account via available methods (including bank cards, bank transfers, and supported cryptocurrencies such as USDT (TRC20/ERC20), Bitcoin, or Litecoin).
Withdrawal means any transfer of funds from your Account to a payment method held in your name, subject to these Terms and applicable checks.
Balance means the total amount of real money funds and, where applicable, the separate amount of bonus funds displayed in your Account.

Reflect - Promotions, Rules, and Legal Framework

Bonus means any promotional value, free spins, free bets, cashback, or similar incentive credited to your Account subject to specific terms (including wagering requirements, time limits, and game restrictions).
Bonus Terms means the present section "Bonus Terms" together with the rules of each individual promotion displayed on the Site.
Game Rules means the rules applicable to a particular game, including pay tables and return-to-player (RTP) information, as provided by the relevant game supplier.
KYC (Know Your Customer) means identity, age, and verification checks we carry out, including verification of your residential address and payment methods, to comply with anti-money laundering and other legal obligations.
UK Consumer Law means mandatory consumer protection laws that may apply to you as a consumer habitually resident in the United Kingdom. These Terms do not limit any such non-excludable rights.

Account Registration

Observe - Eligibility and Age Requirements

You may only open an Account on Miki if you are at least 18 years old and legally permitted to gamble under the laws applicable in your place of residence. Under the Gambling Act 2005, it is a criminal offence for anyone under 18 to gamble online from the UK.
You confirm that you are acting on your own behalf, not on behalf of any third party, and that you are using your own funds and payment methods.
The Site is targeted to players in the United Kingdom but is operated and licensed in Curaçao, not by the UK Gambling Commission. Some UK protections (including GAMSTOP and UK statutory alternative dispute resolution schemes) therefore do not apply.

Expand - Registration Process, Verification, and KYC

To create an Account, you must complete the registration form on mikiswi.com, providing at least your full name, date of birth, country of residence, email address, and a secure password. Additional information, such as your residential address and mobile number, may be required.
You must verify your email address by following the confirmation link sent to you. We may require KYC documents at any time, including but not limited to: a copy of your passport or ID card, proof of address (such as a recent utility bill or bank statement), and proof of ownership of payment methods used (for example, a redacted bank statement or card copy).
We may suspend or limit your Account until satisfactory KYC checks are completed. Failure to provide accurate or complete information may result in refusal of registration, suspension, or closure of your Account and, where required by law, retention of funds pending investigation.

Reflect - User Obligations and Account Security

You must ensure that all information you provide is true, complete, and kept up to date. You must promptly notify us via support@mikiswi.com of any changes (for example, address or contact details).
You are responsible for maintaining the confidentiality of your login details and for all activity under your Account. You must not share your credentials, allow any third party to access your Account, or use another person's Account.
If you suspect that your Account details have been compromised or that an unauthorised person is using your Account, you must immediately change your password and contact us at support@mikiswi.com. We may freeze the Account while we investigate.
We reserve the right to refuse to open an Account, to close or suspend an existing Account, or to restrict access where we have reasonable grounds to believe that these Terms, applicable laws, or integrity and security standards are being or may be breached.

Betting & Gameplay Rules

Observe - Placing Bets and Game Rules

All bets placed through the Miki services on mikiswi.com are subject to these Terms and the specific Game Rules of each product (for example, slots, live casino, table games).
Before placing a bet, you must ensure that you understand the rules, minimum and maximum stakes, payout tables, and any specific conditions displayed within the game interface.
A bet is accepted when it has been processed by our servers and appears in your game or transaction history. Once accepted, a bet cannot normally be cancelled or changed by you.

Expand - Stake Limits, Cancellations, and Technical Issues

Minimum and maximum bet limits are defined per game and may vary based on your currency, account status, and the specific product. Certain high-risk games or features may be restricted to particular players.
We may void or adjust bets in the event of obvious errors (including palpable errors in odds, pay tables, or game configuration), malfunction, or where the game outcome is affected by technical faults. In such cases, our decision will be based on reconstructing the bet and outcome as fairly as reasonably possible, or by refunding the original stake.
If a game round is interrupted due to network or system failures, the official result recorded on our servers will prevail. Where possible, interrupted game rounds will be resumed from the state prior to interruption, or the bet will be refunded. You are encouraged to check your game history to verify outcomes.

Reflect - Player Conduct, Live Casino, and Responsible Gambling

You must behave respectfully and lawfully at all times when using chats, live casino tables, or any interactive features. Abusive, discriminatory, threatening, sexually explicit, fraudulent, or otherwise inappropriate behaviour is strictly prohibited and may lead to chat bans, account suspension, or closure.
You must not attempt to manipulate games, exploit software bugs, use automated tools (bots), collude with other players, or engage in any activity designed to obtain an unfair advantage or circumvent game rules.
You are solely responsible for your gambling decisions and for ensuring that you play within your financial means. We encourage you to use available safer gambling tools (such as deposit limits or self-exclusion) and to seek help if you experience problems with gambling.
Because Miki on mikiswi.com operates under a Curaçao license, it is not registered with GAMSTOP, and UK-wide self-exclusions via GAMSTOP do not automatically apply. If you need to self-exclude from this Site, you must contact support@mikiswi.com directly, as described elsewhere in these Terms.

Bonus Terms

Observe - Bonus Eligibility and Activation

Bonuses and promotions on Miki are offered at our discretion and may be subject to eligibility criteria, including residency, payment method, Account status, and completion of KYC checks.
Each promotion will set out its own specific terms, including how to qualify (for example, required deposit amount, bonus code, or minimum bet), the type of bonus (for example, match bonus, free spins, or cashback), and any expiry date.
Bonuses are intended for recreational play by a single genuine User. We may restrict, refuse, or withdraw bonuses where we have reasonable grounds to suspect abuse, arbitrage, or use of multiple accounts.

Expand - Wagering Requirements and Restrictions

Unless otherwise stated, bonuses are subject to wagering requirements that must be met before bonus funds or any associated winnings can be withdrawn. The applicable wagering requirements and contribution percentages of different games will be clearly displayed in the relevant promotion.
Some games, including but not limited to progressive jackpots, certain table games, or low-risk bets, may be excluded from wagering or may contribute at a reduced rate. Stakes made on excluded games will not count toward wagering requirements and may be treated as irregular play.
Bonuses are usually time-limited. If the wagering requirements are not met within the stated timeframe, the bonus and any associated winnings may be forfeited and removed from your Account.
We may apply maximum bet limits per spin, round, or game when playing with bonus funds. Stakes in excess of the specified limits may be considered a breach of the promotion terms and may lead to confiscation of the bonus and related winnings.

Reflect - Prohibited Actions and Combining Promotions

You must not engage in bonus abuse, including but not limited to matched betting, hedging bets across different accounts or sites, using multiple accounts, or exploiting game or promotion mechanics in a way that is inconsistent with fair, recreational play.
Unless expressly allowed, you may not combine multiple bonuses on the same deposit or game round. Where more than one promotion could apply, we may apply them in the order we determine, or restrict your participation in one or more offers.
If we reasonably believe that you have breached Bonus Terms or engaged in bonus abuse, we may remove active bonuses, cancel bonus-related winnings, and, where appropriate, close your Account and/or retain funds in accordance with applicable law.
Bonuses and promotions are provided in addition to, and do not limit, your statutory rights under UK consumer law where those rights are mandatory and applicable to you as a UK resident.

Payments & Withdrawals

Observe - Deposit Methods, Availability, and Fees

Miki on mikiswi.com supports various deposit methods, which may include: bank cards (for example, Visa/Mastercard, typically via third-party processors), cryptocurrency (including USDT (TRC20/ERC20), Bitcoin, and Litecoin), and bank transfers. Accepted methods may vary over time and by jurisdiction.
Some UK banks and payment providers (including, for example, certain digital-only banks) may decline or block gambling-related transactions to offshore operators. We are not responsible for such decisions and cannot guarantee that any particular card or bank will accept payments to the Site.
PayPal, Apple Pay, and other wallets not listed in the cashier are not currently available as deposit or withdrawal methods for Miki on mikiswi.com.

Expand - Deposits, Withdrawals, Limits, and Processing Times

Deposit limits and any applicable fees will be shown in the cashier interface. We do not charge additional fees for standard deposits or withdrawals, but third-party providers or networks (including banks and cryptocurrency networks) may charge their own fees.
Withdrawal requests are subject to KYC checks, security reviews, and compliance with these Terms. Where possible, withdrawals will be made via the same method used for deposit, or otherwise by a reasonable alternative in your name.
Processing times vary by method. As a guideline, cryptocurrency withdrawals are typically processed more quickly once approved, while bank transfers may take approximately 3 - 5 business days after processing. Actual times depend on third-party providers and networks and are outside our direct control.
We may apply minimum and maximum limits to deposits and withdrawals, both per transaction and over specified periods. These limits will be displayed in your Account or in the cashier and may be adjusted based on your Account status and regulatory considerations.

Reflect - Refunds, Chargebacks, and Security Checks

Deposits should only be made from payment methods registered in your own name. We may void bets, withhold or return funds, or close your Account if we identify use of third-party payment methods without appropriate authorisation.
We reserve the right to delay or refuse withdrawals where we suspect fraud, money laundering, misuse of payment methods, chargebacks, or other unlawful or irregular activity, and to report such activity to relevant authorities if required.
In cases of technical error or malfunction leading to incorrect crediting of your Account (for example, duplicate deposits or erroneous winnings), such credits will not be considered valid funds. We may reverse such transactions and adjust your balance to the correct amount.
Refunds of bets or bonuses will only be made where required by law or where we determine, acting reasonably, that a material error or malfunction occurred. You are not entitled to a refund simply because you are dissatisfied with game results.
Payment processing may be handled on our behalf by group entities or processors located in other jurisdictions, including a subsidiary or partner in Cyprus. Such processing does not affect your contractual relationship with the Operator under these Terms.

Limitation of Liability

Observe - Our Core Obligations

We aim to provide a fair, secure, and reliable gambling service to Miki users on mikiswi.com, including operating games in accordance with the Game Rules and using certified random number generators where applicable.
We will use reasonable skill and care to ensure that game results are recorded correctly on our servers and that your Account balance accurately reflects your confirmed bets, wins, deposits, and withdrawals.

Expand - Exclusions and Limitations

To the fullest extent permitted by applicable law, we are not liable for: (a) losses arising from your own breach of these Terms; (b) losses due to failures of your equipment, software, or internet connection; (c) indirect, consequential, or special losses, including loss of profits, data, or opportunity; or (d) losses arising from third-party failures (such as banks, payment providers, or telecommunications providers).
Our total aggregate liability to you arising out of or in connection with any single bet, game round, or series of related events will not exceed the amount of the stake placed on the relevant bet or game, or where applicable the amount of real money funds actually lost as a result of the event giving rise to the claim, whichever is lower.
Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including your mandatory consumer rights under UK consumer protection legislation if and to the extent such rights apply.

Reflect - Responsible Gambling and Self-Protection

We do not provide financial or legal advice and do not guarantee that gambling will be profitable. You are responsible for assessing whether gambling is appropriate for you and for setting limits on your activity.
We encourage you to use safer gambling tools where available and to contact support@mikiswi.com if you wish to set limits, request a cooling-off period, or self-exclude from the Site. Because the Site is not licensed by the UK Gambling Commission, GAMSTOP self-exclusion does not automatically apply to your Account here.
If you experience problems with gambling, you should seek help from qualified support organisations and consider restricting access to gambling websites and products through device or network-level controls.

Intellectual Property Rights

Observe - Ownership of Content and Software

All intellectual property rights in and to the Site, including but not limited to its design, text, graphics, logos, trademarks, domain names (including mikiswi.com in connection with Miki), software, audio-visual content, and underlying source code, are owned by or licensed to the Operator or its licensors.
You acquire no rights in any such intellectual property other than the limited right to access and use the Site in accordance with these Terms for your personal, non-commercial entertainment.

Expand - Permitted and Prohibited Use

You may not copy, reproduce, modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works from any part of the Site or its software except to the extent expressly permitted by applicable law.
You must not redistribute, resell, rent, lease, sublicense, or otherwise exploit any part of the Site, including game content, trademarks, or branding, without our prior written consent.
Any unauthorised use of our intellectual property, or that of our licensors, may result in civil and/or criminal liability and may lead to immediate suspension or closure of your Account.

Reflect - User-Generated Content

If you submit any content to the Site (for example, chat messages or feedback), you grant us a non-exclusive, worldwide, royalty-free licence to use, display, reproduce, and modify such content for the purposes of operating and improving the Site, subject to applicable data protection laws.
You are responsible for ensuring that any content you submit does not infringe third-party rights, is lawful, and complies with these Terms and any applicable community guidelines.

Privacy & Data Protection

Observe - Reference to Privacy Policy

Your personal data is collected and processed in accordance with our Privacy Policy available on mikiswi.com (the "Privacy Policy"). By using the Site, you acknowledge that you have read and understood the Privacy Policy.

Expand - Data Use and Legal Basis

We process your personal data for purposes including: account registration, age and identity verification, transaction processing, prevention and detection of fraud and money laundering, compliance with legal obligations, provision and improvement of our services, and customer support.
Where you are a UK resident, we seek to process your data in a manner consistent with applicable data protection standards, including principles similar to those contained in the UK GDPR and the Data Protection Act 2018, to the extent that such laws apply to our activities.

Reflect - Your Rights and Security

You may have rights in relation to your personal data, such as the right to access, rectify, or, in some cases, erase information we hold about you. The Privacy Policy explains how you can exercise these rights and how to contact us for privacy-related queries.
We implement reasonable technical and organisational measures to protect your data against unauthorised access, loss, or misuse. However, you are responsible for maintaining the security of your own devices and login details.

Changes to Terms

Observe - Update Circumstances

We may revise these Terms periodically, for example to reflect changes in applicable law, regulatory guidance, industry standards, technical improvements, or the introduction of new products or features on Miki at mikiswi.com.

Expand - Notification Methods

Material changes to these Terms will be communicated to you by one or more of the following methods: (a) email sent to the address registered to your Account, (b) a prominent notice or banner on the Site, or (c) a prompt requiring you to accept the updated Terms before continuing to use the Site.
The updated Terms will indicate the "last updated" date. Continued use of the Site after the effective date of the updated Terms will constitute your acceptance of the changes.

Reflect - Your Options on Changes

If you do not agree with any updated Terms, you must stop using the Site and may request closure of your Account. In such circumstances, we will process any remaining real money balance in accordance with these Terms, subject to completion of any necessary checks.
Any bets placed or transactions initiated before the effective date of changes will remain governed by the Terms in force at the time of placing the bet or initiating the transaction, unless a change is required by law and applies retrospectively.

Termination & Suspension

Observe - Grounds for Suspension or Closure

We may suspend or terminate your Account, or restrict your access to all or part of the Site, where we have reasonable grounds to believe that: (a) you have breached these Terms or any Game Rules or Bonus Terms; (b) you have provided false or misleading information; (c) you are involved in fraud, money laundering, or other unlawful activity; or (d) required by law, regulation, or competent authority.
You may request that we close your Account at any time by contacting support@mikiswi.com, subject to settlement of any outstanding bets or obligations.

Expand - Procedure and Handling of Funds

Where reasonably possible, we will notify you of the suspension or closure of your Account and the reasons for such action, except where we are legally restricted from doing so or where notification could compromise an investigation.
Upon closure of your Account by you or by us, any remaining real money balance (excluding funds that are blocked or retained in accordance with these Terms or applicable law) will be returned to you via an appropriate payment method, subject to completion of KYC and security checks.
Bonus funds, free bets, or other promotional benefits that have not been converted to withdrawable real money in accordance with applicable wagering requirements will normally be forfeited upon closure unless we are required by law to treat them otherwise.

Reflect - Self-Exclusion and Cooling-Off

If you wish to self-exclude from Miki on mikiswi.com due to concerns about your gambling, you must contact support@mikiswi.com and clearly state your request and desired exclusion period. We will take reasonable steps to prevent your access for the requested period.
Because the Site is regulated under a Curaçao licence and not by the UK Gambling Commission, self-exclusion here will not automatically apply to other operators and GAMSTOP exclusions will not automatically apply to your Account on this Site.

Governing Law & Jurisdiction

Observe - Primary Governing Law

These Terms, your Account, and all gambling transactions made via Miki on mikiswi.com are governed by the laws of Curaçao, excluding any conflict-of-law rules that would result in the application of the laws of another jurisdiction.

Expand - Dispute Resolution Mechanism

If you have a complaint, you should first contact customer support at support@mikiswi.com, providing all relevant details (including your username, transaction information, and a clear description of the issue). We will use reasonable efforts to investigate and respond within a reasonable time frame.
If, after our internal complaints process has been completed, you remain dissatisfied, you may request that the matter be escalated. We may, at our discretion, refer the dispute to an independent body or dispute resolution service recognised in our licensing jurisdiction. Details of any such body will be provided to you where applicable.

Reflect - Jurisdiction and Consumer Rights

The courts of Curaçao will have exclusive jurisdiction over any disputes arising out of or in connection with these Terms, your use of the Site, and any gambling transactions, without prejudice to any mandatory rights you may have as a consumer in your country of residence.
If you are habitually resident in the United Kingdom, you may have non-excludable rights under UK consumer law. Nothing in these Terms is intended to limit any mandatory consumer protections that apply to you under such laws.
You acknowledge that, because Miki on mikiswi.com is not licensed by the UK Gambling Commission, certain UK regulatory protections and formal alternative dispute resolution schemes mandated for UK-licensed operators may not be available in relation to your use of the Site.

Contact Information

Observe - Primary Contact for Support

Email (Customer Support and Self-Exclusion): support@mikiswi.com
Website: mikiswi.com (Miki section for UK players)

Expand - Additional Contact Details

Telephone: Not currently specified. Any future phone contact details will be published on the Site and may be updated from time to time.
Mailing / Legal Address: The operator is Novatech Solutions N.V., established in Curaçao under Master License No. 365/JAZ. Specific registered office or mailing address details, if required, will be provided on request via support@mikiswi.com or as published on the Site.

Reflect - Communication and Language

Communications with us in relation to these Terms and your Account should be in English, which is the governing language of these Terms and of our customer support services for Miki on mikiswi.com.
You should keep copies of all important communications and records relating to your Account, including confirmations of deposits, withdrawals, and any self-exclusion or limit requests.

Last updated: 6 November 2025. Effective from: 1 January 2026.