Terms & Conditions

These Terms govern your relationship with the operator of the website located at https://ipay9-aussie.com (the "Site") and your use of all gambling, betting, gaming and ancillary services offered under the brand Ipay9 for Ipay9 players (the "Services"). By accessing or using the Site or Services you agree to be bound by these Terms as amended from time to time. If you do not agree, you must not use the Site or Services. These Terms are effective as of 1 January 2026.

Definitions

In these Terms, unless the context otherwise requires:

• "Operator" means the legal entity that owns and/or operates the Site and provides the Services under the brand Ipay9 via the domain ipay9-aussie.com. Where the Operator's full corporate details are not specified on the Site, references to the Operator still refer to the entity that controls and is responsible for the Site and Services.
• "Site" means the website currently available at https://ipay9-aussie.com and any related mobile or desktop versions, applications, subdomains or mirrors through which the Services are offered to Ipay9 users.
• "Services" means all online gambling, betting, casino, live casino, games of chance and skill, promotional activities, account facilities, payment processing and any other functionality made available by the Operator via the Site.
• "User" or "you" means any natural person who accesses the Site, creates an account or uses the Services, whether or not they place a Bet, including any prospective, current or former player from Australia.
• "Player" means a User who has successfully registered an account on the Site and is permitted by the Operator to place Bets and participate in the Services.
• "Account" means the unique, personal online account registered by a Player on the Site, used to access the Services, hold funds, place Bets and manage settings.
• "Bet" means any stake, wager, buy-in, or other risk of monetary value (including real money and Bonus funds) placed by a Player within any game, event or product available on the Site.
• "Bonus" means any promotional credit, free spins, free bets, cash-back, matched deposit, loyalty reward or other incentive granted by the Operator to a Player subject to specific conditions.
• "Bonus Funds" means funds or game credits in your Account that derive from a Bonus and are subject to wagering or other conditions before they may be withdrawn.
• "Wagering Requirement" means the total value of eligible Bets that must be placed using Bonus Funds and/or deposited funds before Bonus-derived winnings and, where applicable, associated deposits become withdrawable.
• "KYC" (Know Your Customer) means the identity verification and due diligence procedures carried out by the Operator, including verification of age, identity, address, source of funds and payment methods.
• "Prohibited Jurisdiction" means any country, territory or state in which online gambling with the Operator is not lawful or where the Operator decides not to offer the Services.
• "Business Day" means a day other than a Saturday, Sunday or public holiday in the Operator's principal place of business when banks are customarily open.
• "Applicable Law" means all laws, regulations, directives and rules that apply to the Operator, the Site or your use of the Services, including those of the relevant governing law and any mandatory consumer protection laws.

Account Registration

Eligibility and age verification

• Minimum age: You must be at least 18 years old to register an Account and use the Services. By creating an Account, you warrant that you are 18+ and legally permitted to gamble under the laws of your place of residence.
• Australian users: If you are accessing Ipay9 from Australia, you are responsible for ensuring that use of the Site complies with Australian law, including any restrictions under the Interactive Gambling Act 2001 (Cth) and relevant state or territory legislation.
• One account only: You may register only one Account for personal use. Duplicate or multiple Accounts may be closed and any Bonuses cancelled.

Account creation process

1. Registration: To open an Account you must complete the online registration form, providing at least your full name, date of birth, country of residence, address (where requested), email address and chosen credentials. You must not create an Account on behalf of another person.
2. Email verification: After registration, the Operator may send a confirmation link to the email address you provided. Your Account may remain limited or inactive until you click the verification link and successfully confirm your email address.
3. KYC verification: At any time, including before withdrawals or at cumulative deposit thresholds, you may be required to complete KYC. This may include submitting:
   • a valid government-issued photo ID (passport or driver licence);
   • proof of address (utility bill or bank statement);
   • proof that you are authorised to use specific payment methods; and
   • information on source of funds or source of wealth where deemed necessary.
4. Refusal and closure: The Operator may refuse to open an Account, suspend, or close an existing Account if KYC cannot be satisfactorily completed, if information appears inaccurate, or if required by Applicable Law or internal risk policies.

User obligations

• Accuracy of data: You must ensure that all information provided during registration and throughout use of the Services is true, complete and up to date. You must promptly update your details via the Site or by contacting [email protected].
• Account security: You are solely responsible for maintaining the confidentiality and security of your login credentials (username, password, any multi-factor details). You must:
  • not share your credentials with any third party;
  • not permit any other person (including minors) to access your Account;
  • immediately notify the Operator at [email protected] if you suspect that your Account has been compromised.
• Use for lawful purposes only: You must not use your Account or the Site for any unlawful or fraudulent purpose, including money laundering, payment fraud, or breaching sanctions.
• Residence and jurisdiction: You warrant that you are not located in a Prohibited Jurisdiction, and that you will cease using the Services if you move to one or if local law prohibits participation in online gambling.

Betting & Gameplay Rules

General principles

• Game rules: Each game or product, including slots, table games, live casino and other offerings, is governed by its own specific rules, pay tables and mechanics as displayed within the game interface or help section. By placing a Bet you accept the applicable game rules.
• Finality of results: Once accepted by the system, a Bet is generally irrevocable. Game outcomes determined by certified random number generator (RNG) or live dealer systems are final, subject to error handling provisions below.
• Currency: Bets are placed in the Account currency displayed in your profile. Currency exchange, if applicable, is handled by payment providers or the Operator at prevailing rates and may incur fees or rounding.

Placing bets

1. Minimum and maximum stakes: Each game includes minimum and maximum Bet limits. It is your responsibility to check these limits before placing a Bet. The Operator may adjust limits or impose personalised limits at its discretion for risk management or responsible gambling reasons.
2. Acceptance of bet: A Bet is considered placed and accepted only when it is registered on the Operator's servers. The transaction record stored by the Operator will be conclusive evidence of time, amount, and details of each Bet.
3. Insufficient balance: If your available balance (real money and, where permitted, Bonus Funds) is insufficient to cover the stake and any associated fee, the Bet will not be accepted.
4. Automated play: You must not use scripts, bots, software or any automated technique to place Bets or manipulate gameplay. Use of such tools may lead to suspension, voided Bets and forfeiture of funds.

Cancellation and modification of bets

• Player-initiated cancellation: Once a Bet has been accepted, you generally cannot cancel or modify it. Certain products may allow pre-confirmation cancellation; where available this will be indicated in the game interface.
• Operator cancellation: The Operator may cancel or void a Bet, in whole or in part, where:
  • a technical error or malfunction affects game operation or payout calculation;
  • there is an obvious error in odds, pay table or displayed information;
  • the Bet was placed in breach of these Terms, including through fraud, collusion or exploitation of bugs.
• Reversal policy: In the event of cancellation or voiding of a Bet after funds have been debited, the stake will be refunded to your Account balance. If winnings were already credited, the Operator may reverse such winnings or deduct them from your balance.

Conduct in live casino and chats

• Respectful behaviour: Where chat or live interaction features are available, you must:
  • refrain from insults, harassment, threats, hate speech or discriminatory remarks;
  • not advertise other services or websites;
  • not share personal data about yourself or others in public chat.
• Prohibition of fraud and collusion: You must not:
  • collude with other players or dealers;
  • attempt to manipulate outcomes;
  • engage in chip-dumping, advantage exploitation that relies on software bugs or human error, or any comparable conduct.
• Moderation and sanctions: The Operator may monitor chat and live interactions and, at its discretion, mute, restrict, or terminate chat access, and/or suspend or close your Account for breaches of conduct rules.

Bonus Terms

Activation of bonuses

• Availability: Bonuses may be offered to new and existing Players via the Site, email, SMS or on-site banners. Each Bonus is subject to specific terms displayed in the relevant promotion ("Bonus Rules"). If Bonus Rules conflict with these Terms, the Bonus Rules prevail to the extent of the inconsistency.
• Opt-in: Some Bonuses require explicit opt-in via a bonus code, checkbox or deposit selection. Failure to opt in correctly may mean that the Bonus is not credited and cannot be retroactively applied.
• Eligibility: Bonuses are generally limited to one per person, household, IP address, device, payment method or shared environment. The Operator may refuse or withdraw a Bonus if it suspects abuse, bonus hunting or irregular play patterns.

Wagering requirements and timeframes

1. Standard wagering: Unless otherwise stated in the Bonus Rules:
   • Deposit Bonuses must typically be wagered a specified number of times (e.g. 30x the Bonus amount, or 30x Bonus plus deposit) before any winnings and, where applicable, associated deposits become withdrawable.
   • Free spins winnings are converted to Bonus Funds that must be wagered according to the applicable rate.
2. Contribution of games: Different games may contribute differently towards Wagering Requirements (for example: slots 100%, table games 10%, some games 0%). Full details will be specified in the Bonus Rules or general promotional terms on the Site.
3. Time limits: Bonuses may have expiry dates (for example, 7 - 30 days from crediting) within which Wagering Requirements must be met. If the timeframe expires, the Bonus and associated winnings may be forfeited.
4. Maximum bet limits: While wagering an active Bonus, there may be a maximum Bet size (for example, a fixed amount per spin or hand). Exceeding this limit may result in confiscation of the Bonus and related winnings.

Prohibited games and actions

• Game exclusions: Certain games or game categories may be excluded from fulfilling Wagering Requirements or from Bonus play entirely. Such exclusions will be listed in the Bonus Rules or in the general bonus terms on the Site.
• Irregular play: The following (non-exhaustive) activities may be treated as Bonus abuse:
  • placing low-risk or equal bets on different outcomes of the same game round;
  • delaying game rounds or free spins to a later time, including after wagering completion;
  • using Bonus Funds to progress in a game (e.g., collecting items, reaching bonus features) and then completing the game with real-money bets when no Wagering Requirement applies.
• Consequences: If Bonus abuse or breach of Bonus Rules is identified, the Operator may remove Bonuses, cancel Bonus winnings, and in serious cases suspend or close your Account.

Combining promotions

• One active Bonus at a time: Unless expressly allowed, only one Bonus may be active on your Account at any given time. Attempting to claim multiple overlapping Bonuses may lead to cancellation of one or more promotions.
• Order of use: Where both real funds and Bonus Funds are available, the order in which they are wagered (for example, real money first) will be displayed or explained in the Bonus Rules or the Site's general bonus policy.
• Non-transferability: Bonuses and Bonus Funds are non-transferable, have no independent cash value, and may not be exchanged for cash or other benefits except as expressly stated in the promotion.

Payments & Withdrawals

Deposits

• Payment methods: The Operator may make available various deposit methods, including but not limited to:
  • bank cards (e.g. Visa, Mastercard, other card schemes where available);
  • e-wallets or online payment services;
  • bank transfers;
  • selected cryptocurrencies, where permitted by Applicable Law.
• Availability for Australia: The availability of specific methods for Ipay9 Players may vary depending on location, financial institution rules and regulatory requirements in Australia.
• Depositing in your own name: You must deposit only with payment instruments and accounts held in your own name. The Operator may request proof of ownership for any method used.
• Limits and fees: The Operator may impose minimum and maximum deposit amounts per transaction and/or per day, week or month. Any operator-imposed fees will be disclosed prior to confirmation of the transaction; your bank or payment provider may charge additional fees.

Withdrawals

1. Verification requirement: Before processing withdrawals, the Operator may require completion of KYC and, where relevant, source of funds checks. Failure to provide requested documents or information may result in withdrawal delays or cancellation.
2. Withdrawal methods: Withdrawals will, where possible, be made via the same method used for deposits. If this is not feasible, the Operator may offer alternative methods subject to internal policies and regulatory constraints.
3. Processing times: The Operator aims to process withdrawal requests within a reasonable timeframe (for example, within 1 - 5 Business Days), subject to:
   • completion of verification checks;
   • the volume of withdrawal requests;
   • third-party payment processor or banking delays.
4. Limits: The Operator may apply minimum and maximum withdrawal limits per transaction and/or over a defined period. Large withdrawals may be paid out in instalments and may require additional verification.
5. Fees: Where the Operator charges a fee for a withdrawal, this will be disclosed prior to confirmation. External providers may also charge their own fees or apply exchange rates.

Refunds and payment reversals

• General rule: Deposits are used to place Bets and are not normally refundable. Once a Bet has been accepted, you cannot obtain a refund of the stake except as provided in these Terms (for example, where a Bet is voided due to technical error).
• Chargebacks: You must not request a chargeback or payment reversal without valid legal grounds. If a chargeback occurs, the Operator may:
  • immediately suspend or close your Account;
  • cancel winnings and Bonuses;
  • pursue the outstanding amount through collection agencies or legal action.
• Bonus-related funds: If a refund of a deposit associated with a Bonus is granted (at the Operator's discretion), the Operator may cancel any related Bonus and winnings derived from that Bonus.

Limitation of Liability

Operator's obligations

• Fairness of games: The Operator aims to ensure that games offered on the Site operate fairly and in accordance with their stated rules. Where RNG-based games are used, they are intended to produce random outcomes consistent with industry practice.
• Accuracy of information: The Operator endeavours to ensure that game descriptions, pay tables and result calculations are accurate. However, typographical errors or temporary inaccuracies may occur.
• Service availability: The Operator will use reasonable efforts to keep the Site and Services available but does not guarantee uninterrupted access. Maintenance, updates, security measures or third-party failures may lead to downtime.

Exclusions of liability

• Technical failures: To the maximum extent permitted by Applicable Law, the Operator is not liable for:
  • technical failures, system errors, bugs, malfunctions of hardware or software (including RNG malfunction);
  • network interruptions, power outages or communication failures;
  • any loss or corruption of data.
• Third-party services: The Operator is not responsible for acts or omissions of third-party payment providers, telecommunications providers, banks, or game suppliers, except to the extent required by non-excludable statutory rights.
• Indirect losses: The Operator is not liable for any indirect, incidental, consequential, special or punitive damages, including loss of profits, business, goodwill or data, arising out of or in connection with your use of the Site or Services.

Maximum liability

• Cap on compensation: Subject to any non-excludable rights under Australian consumer law and to the extent permitted by Applicable Law, the Operator's total aggregate liability to you for any claim arising out of your use of the Site or Services is limited to:
  • the amount of the Bet or transaction giving rise to the claim; or
  • where the claim does not relate to a specific Bet, the total amount of deposits made by you to your Account with the Operator during the three (3) months preceding the event giving rise to the claim, whichever is lower.
• Non-excludable rights: Nothing in these Terms excludes or limits any statutory guarantees, rights or remedies that cannot be excluded under the Australian Consumer Law or other mandatory law. Where such rights apply, the Operator's liability is limited, to the extent permitted, to resupplying the relevant services or paying the cost of having them resupplied.

Intellectual Property Rights

Ownership

• Site content: All content on the Site, including text, graphics, logos, icons, images, audio clips, video, software, underlying source code, game design elements and other materials, is owned or licensed by the Operator and is protected by copyright, trademark and other intellectual property laws.
• Brand: The Ipay9 name, logos, trade dress and all related marks as used on ipay9-aussie.com for Ipay9 are trademarks or service marks of the Operator or its licensors. You acquire no rights in these marks by using the Site or Services.

Permitted and prohibited use

• Limited licence: The Operator grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Site and Services for personal, non-commercial entertainment purposes only, subject to these Terms.
• Restrictions: You must not, without prior written consent from the Operator:
  • copy, reproduce, modify, adapt, translate, distribute, transmit, display, publish or create derivative works based on any part of the Site or its content;
  • reverse engineer, decompile, disassemble or otherwise attempt to obtain the source code of any software used in connection with the Site or games;
  • use any automated device, program or methodology (including scraping, spiders, robots) to access, monitor or copy any portion of the Site.

Privacy & Data Protection

• Privacy policy: The Operator collects and processes personal data in connection with your use of the Site and Services. All such processing is carried out in accordance with the Operator's Privacy Policy as published on ipay9-aussie.com and updated from time to time.
• Scope of processing: Personal data may be used for purposes including:
  • account registration and management;
  • KYC and anti-money laundering checks;
  • processing deposits and withdrawals;
  • providing customer support;
  • marketing (where permitted) and service improvement.
• Data protection compliance: The Operator endeavours to implement appropriate technical and organisational measures to protect your personal data and to comply with Applicable Law in relevant jurisdictions, including any mandatory Australian privacy or data protection requirements where applicable.
• Acceptance: By using the Site or Services, you acknowledge and agree that your personal data will be processed in accordance with the Privacy Policy.

Changes to Terms

Right to amend

• Updates: The Operator may amend, update or replace these Terms at any time, for reasons including legal or regulatory changes, improvements to the Services, risk management or operational needs.
• Versioning: The effective date at the top of these Terms will be updated to reflect the most recent revision. Historic versions may be retained by the Operator in accordance with internal policies.

Notification of changes

• Methods of notice: Where material changes are made, the Operator will take reasonable steps to inform you, which may include:
  • email notification to the address registered to your Account;
  • on-site banners or pop-up messages when you next log in;
  • updating the Terms page on ipay9-aussie.com.
• Continued use as acceptance: By continuing to use the Site or Services after changes take effect, you are deemed to accept the updated Terms. If you do not agree with the amended Terms, you must stop using the Site and Services and may request closure of your Account.

Termination & Suspension

Operator's rights

• Suspension: The Operator may suspend your Account (in whole or in part) without prior notice where it reasonably suspects:
  • breach of these Terms or Bonus Rules;
  • fraud, money laundering, collusion or other criminal activity;
  • account compromise, security issues or misuse of payment methods;
  • use of the Services from a Prohibited Jurisdiction.
• Termination: The Operator may close your Account with or without notice where:
  • serious or repeated breach of these Terms has occurred;
  • required by law, court order or regulatory directive;
  • the Operator decides to cease offering the Services in your jurisdiction or in respect of Ipay9 generally.

Player-initiated closure

• Voluntary closure: You may request closure of your Account at any time by contacting [email protected] or, if available, by using the Account settings on the Site.
• Responsible gambling: Where responsible gambling tools (such as self-exclusion or time-outs) are available, you may use them to temporarily or permanently limit your access to the Services, in line with the settings offered on ipay9-aussie.com.

Consequences of termination or suspension

• Funds handling: Upon closure of your Account (other than in cases of fraud, chargeback, or serious breach), any remaining real-money balance will generally be returned to you using a method reasonably determined by the Operator, subject to completion of necessary KYC and legal checks.
• Bonuses: On termination, all active Bonuses and Bonus Funds, including associated wagering progress and Bonus-derived winnings, may be cancelled and forfeited, unless Applicable Law requires otherwise.
• Notification: Where practicable, the Operator will inform you of the reason for suspension or closure, except where prohibited by law or regulatory directive.

Governing Law & Jurisdiction

Governing law

• Primary law: These Terms, and any dispute arising out of or in connection with them, your Account, or your use of the Site or Services, are governed by the laws of the jurisdiction in which the Operator is legally established, as indicated on the Site from time to time.
• Australian mandatory laws: If you are resident in Australia and mandatory provisions of Australian law apply to your relationship with the Operator (for example, Australian consumer protection laws), those provisions will prevail to the extent they cannot lawfully be excluded.

Dispute resolution

• Internal complaints: If you have a complaint about the Services, you should first contact customer support at [email protected], providing:
  • your name and Account ID;
  • a clear description of the issue, including relevant dates and game details;
  • any supporting evidence (screenshots, transaction IDs).
• Escalation: The Operator will investigate your complaint and aims to respond within a reasonable period. If you are not satisfied with the outcome and if any external dispute resolution or arbitration mechanism is specified on the Site, you may escalate the dispute in accordance with that mechanism.
• Court jurisdiction: Subject to any mandatory rights you have under Applicable Law to bring proceedings in another court, you agree to submit to the non-exclusive jurisdiction of the courts of the jurisdiction whose law governs these Terms.

Contact Information

• Customer support email: [email protected] (primary contact for all player enquiries, including account, technical, payment and complaint issues).
• Telephone: Not specified. If a support phone number is introduced, it will be published on ipay9-aussie.com.
• Mailing and legal address: Not specified on the Site as at 1 January 2026. The Operator may update the Site once formal corporate address details are disclosed; any such address will serve as the contact point for formal legal correspondence.
• Official website: https://ipay9-aussie.com (official online presence for Ipay9 in respect of Ipay9).

If you require clarification of any part of these Terms, you should contact the Operator via [email protected] before continuing to use the Site or the Services.