HomeComplaintsArt Casino - The player's winnings were voided.

Art Casino - The player's winnings were voided.

Amount: €7,000

Art Casino
Safety Index:High
Submitted: 26 Nov 2022 | Resolved : 27 Mar 2023
Resolved Our verdict

Case closed

RESOLVED

Case summary

1 year ago

The player's winnings were voided for breaching the max bet rule.

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1 year ago
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This post has been made private by Casino Guru. It contains sensitive information meant to be seen only by the involved parties.

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1 year ago

Hello gamblejoe52,

Thank you very much for submitting your complaint and I'm really sorry to hear about your issue with Artasino. Please allow me to ask you a few more question before we would move forward.

Could you please advise if your account is already verified and is yes, since when exactly? Can you see your whole betting history? How many times did you bet over the allowed limit in total? When was the last time you spoke to the casino and what was it about?

Please understand that the casino has right to void the player's winnings if they breached the maximum allowed limit multiple times.

Looking forward to your answer.

Regards,

Nick

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1 year ago
Translation

Hello Nick,


no, my account has not been verified yet. I sent the necessary data for KYC by email a few days ago. Live support advised me to go this route.


Yes, I can see my full betting history.

As already mentioned, I only made the "prohibited bet" after I had fully wagered the bonus. This happened 3 times. One purchase for €80 and two purchases for €8 each.

I never broke the rules during the bonus.

I had requested withdrawals and according to the operator they should have been paid out immediately.


I spoke to the casino again today. The decision remains. They gave me the email of the licensor.


Briefly summarized:

No violation of rules until wagering of bonus (over 40000€) —> withdrawal of 7000€ requested —> few minutes later purchases worth 80€,8€,8€ —> no increase of my winnings.


greetings


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1 year ago
Translation

Hello team,

will my request still be processed?


Regards

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1 year ago

Hello gamblejoe52,

If you have just forwarded your documents for verification, be sure to give the casino 1-2 weeks to process them. Can you also please forward the betting history to nikolas.b@casino.guru?

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1 year ago
Translation

Hello Nick,


I have sent an email. Many Thanks

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1 year ago

Thank you gamblejoe52 for al the information provided. I will now forward your complaint to my colleague Matej (matej@casino.guru) as the case requires further investigation specially if the wagering of the bonus was already finished and the bonus buys did not increase your winnings.

Wish you best luck resolving it.

Regards,

Nick

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1 year ago
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Hello Nick,


Thank you for continuing to work on my case. It's reassuring to hear that you share my opinion and are continuing to investigate the case.

Good luck and thanks again.


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1 year ago

Hello gamblejoe52,


I am sorry to hear about your troubles.


I would like to invite the casino representative into the case:


Dear casino representative, could you please check the case and explain to us what happened? Are truly only last bets the reason for confiscating the whole winnings?

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1 year ago
Translation

Thank you Matej. I just wrote you an email.

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1 year ago

Hello Casino.guru,

As already stated and confirmed by player he did a bet over betting limit of 3 EUR while having active bonus. That is the reason why the player's winnings were voided according to bonus general T&C on clause 10.1.5 and 10.1.6.

10.1.5 All games have a maximum betting limit of 3 EUR (or equivalent in other currencies) per game round/spin during bonus is active on the player's account. Moreover, it is strictly forbidden to use any slot special features, including "gamble feature", "buy bonus feature, "buy free spins future" and "bonus hunt" (collecting bonuses with intention to later open it) during bonus active period ("active bonus") on the player's account. With any active Bonus following games are strictly forbidden to play; Jackpot games, Table Games, Video Poker, Virtual Games (Sports and Races), Live Casino or placing bets on any Sportsbook event. Violation of this rule will forfeit the bonus and any winnings resulting from the bonus or other games that were completed during the active bonus period.

10.1.6 Players are not allowed to collect and/or combine bonuses. Bonus is considered as active until withdrawal request has been processed or when players balance reach zero out threshold which is set to 1 EUR or equivalent in other currency.

Artcasino Security

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1 year ago

Dear casino representative,


The player stated that he breached the maximum bet rule only while waiting for withdrawal when the bonus funds were already wagered.

Please confirm that the reason for confiscating the entire balance was three bets of 80 + 8 + 8, which the player made after he submitted a withdrawal request.

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1 year ago

Hi Matej,


As already stated in our previous comment the reason why winnings have been confiscated was placing bets over maximum allowed limit of 3 EUR while player had active bonus period according to clause 10.1.6 from our Bonus T&C.


10.1.6 Players are not allowed to collect and/or combine bonuses. Bonus is considered as active until withdrawal request has been processed or when players balance reach zero out threshold which is set to 1 EUR or equivalent in other currency.


Whether player had requested withdrawal next to active balance, still maximum bet of 3 EUR applies on the balance left on account. Whether it goes for one bet or hundred bets over max. limit does not change the fact that violation happened.


Artcasino Security

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1 year ago

Dear Artcasino representative.


Please send me the player game log if you can't answer the simple question. (matej@casino.guru)


Because for us matters what happened, and if gamblejoe52 didn't breach the rules before he submitted a withdrawal, you should process the withdrawal and void the money he left on the account.

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1 year ago

Hi Matej,

We have already answered you that the timing of players withdrawal request has no meaning to Bonus T&C and does not change the fact of violation. Player has clearly breached the rules as by written above.

Regards to your statement about what balance should be voided or not its clearly written under clause 10.1.5 that ANY winnings resulted from thebonus. Indeed thank you for confirmation that violation happened.

"Violation of this rule will forfeit the bonus and any winnings resulting from the bonus or other games that were completed during the active bonus period."

We would kindly ask player to turn to our license regulator as an only official institution who can still make decision in your favor. Please take this suggestion as friendly and fair act from our casino.

Regards to complaint here there is not much to say as we came to same conclusions - both casino.guru and artcasino confirmed violation of bonus T&C.

Artcasino

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1 year ago
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Sensitive information

This post has been made private by Casino Guru. It contains sensitive information meant to be seen only by the involved parties.

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1 year ago

Hi Gamblejoe,


Thank you for your comment. As said we kindly suggest you to contact our license issuer if you believe you are right. We will follow their decision strictly.


Artcasino

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1 year ago

Dear Artcasino representative,


Unfortunately, your regulator (Curacao) is well known for practising only checking if the player breached the terms or not. The regulator is not checking the logic in the case or if the rule is fair.


If you put into the casino terms that all withdrawals made on Wednesday are fraud, all balances of players who try to withdraw on Wednesday will be voided. Curacao regulator will decide in favour of the casino because the rule was breached. (simplified example)


Because we evaluate casinos with different licenses and because in most of them, a situation like what happened in yours is impossible or at least handled differently, we cannot close the case in your favour even if the regulator decides that the casino has the right. (most likely, the regulator decides in the casino's favour)


If the player asked the casino to void the balance of €96 or made a 32x €3 bet and lost all, it would be the same situation as making three-bet of €8, €8 and €80.

In a different casino, the player's bonus balance would be transferred to a real balance, and bonus terms would be cancelled after the wagering is complete. So even if the player makes higher bets after the wagering is complete, it will not affect anything.


So please give me some rational reason why you want to confiscate the winnings except that the player breached an unfair rule.

Try to explain what advantage the player gained because I see none.

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1 year ago
Translation

Hey Matej,


I just sent you an email.


Regards

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1 year ago

Hi Matej,

"So please give me some rational reason why you want to confiscate the winnings except that the player breached an unfair rule."

Please note our Bonus T&C were reviewed by Casino.guru Team (Jozef) before we went live couple of month ago with Artcasino and all bonus terms were confirmed fair and transparent at that time by Casino.Guru.

Thank you for understanding,

Artcasino Team

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1 year ago

Dear Artcasino Team,


Indeed we do not penalize mentioned rule because the casinos that have this rule didn't use it as you did.


To make the situation more clear:


Most casinos convert the bonus into real money after the wagering is complete. However, some casinos use a similar rule as you do. However, this rule is used with some logic and does not affect pending withdrawals when the bonus is wagered.


If you put the things that happened on the timeline.


  1.    The player took the bonus.
  2.    The player won from the bonus.
  3.    The player completed the wagering.
  4.    The player submitted a withdrawal request.
  5.    The player breached the bonus rules.


Now imagine that you are driving a car from point A to point E, passing points B, C, and D.


If you get a speed ticket in point D, is it fair if the police give you tickets for points B and C because they assume that if you went too fast in point D, you breach the speed limit in points B and C?


Another thing is that if the casino processes the withdrawal as you promised instantly and without the verification, this problem will not occur. (but this I do not consider as relevant)


From our perspective:


We are promoting casinos which are best for the players. In more than 50% of casinos from over 4000 that we have in our database, this situation cannot happen because these casinos convert bonus funds to real balance directly after the bonus is wagered. Several of these casinos also restrict the max bet rule by software during bonus wagering. From the remaining casinos, only casinos with sticky bonuses have a bit problem with this rule; however, 90% of these casinos would, in the same situation, pay the player.


So how could we not penalize your casino if we know that this situation might happen in the future and your casino strictly follows the rule, which is unfair in certain situations?


I recommend you reconsider this rule and limit it to situations where it makes sense or changes it.

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1 year ago

Hi Casino.Guru,

Thank you for your comment. We really appreciate it.

Could you please explain how you can penalize our casino if you have checked our bonus T&C before we went live and now when "breach" happened you step on side of player and start claiming that rule is "unfair". We have believed in your team that rules are fairly and transparently written. Nevertheless we will change that rule after this case is closed and we invite you to check our bonus T&C once again.

"Indeed we do not penalize mentioned rule because the casinos that have this rule didn't use it as you did."

Comment: Why do we have Terms and Conditions then?


To conclude;

  1. Casino.Guru Team has checked our Bonus T&C and rated it as 100% fair and transparent.
  2. Player did a breach of bonus T&C (placing bets over max bet allowed before withdrawal was processed and not at the time of withdrawal request as written above).
  3. Artcasino acted according to bonus T&C and is ready to change that term to be more players friendly.
  4. Artcasino is ready to offer player money reward for exposing case which will lead to changes for new players to avoid situations like this one.
  5. Artcasino has nothing against player if he/she decided to contact license issuer for binding decision.


Artcasino Team


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1 year ago
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Dear Artcasino and Matej,


I hope each of you had a good start into the new year.

Many thanks to both sides for discussing this case intensively and objectively. That goes to you too, Artcasino, for continuing to participate in the discussions. This definitely speaks for you.


I think that CasinoGuru considered your casino to be fair as basically they apply the same rules as most casinos. As a long time player I can attest that you are up to the standard of the rules.


It is only about the discussed rule 10.1.6. This is about the logic of the rule in my case.

Matej has emphasized and explained this several times. I also said at the very beginning (November 27th, 2022!) that I can understand the rule if my winnings had increased and the casino would not pay out the additional winnings. Although this type of rule implementation would still not be player-friendly and fair, it would be understandable.

It seems you have already made changes to the rule as it is no longer confusing and is much more clearly defined in two sentences. At the time of my play this was not the case. I have already addressed that.


I look at your statement


"Nevertheless we will change that rule after this case is closed and

we invite you to check our bonus T&C once again."


as a way of recognizing that you haven't formulated your own rule quite fairly. Perhaps you should interpret this rule differently so that winnings from wagering the bonus without breaking the rules remain unaffected and only further additional winnings after wagering the bonus for breaking the rules are retained. Also, you should change the subtleties that I've already written as arguments to versusodds. Because all my listed arguments indicate that the bonus had ended and was therefore no longer subject to any bonus rules, 10.1.6 is also irrelevant. Singular and plural play a crucial role! Otherwise rule 10.1.6 would be fallacious and should be prohibited.


Regarding your point 2:

I immediately requested a withdrawal when the bonus was wagered and only then placed the three bets.

I always issue a withdrawal immediately after a bonus has ended. If conditions are still linked to the money earned, the system reports and I as a player am then in the picture.


The saying "The bank always wins" is not without reason. We all know this is a fact, otherwise there would be no casinos.

As a player, you are all the more happy when you win something and, above all, have turned over more than €40,000 . Sticking so much to the 96€ seems to me like too expensive a farce.

That is 13333.33 spins on the slot machine at €3 each vs. 32 spins on the slot machine at €3 each. Think about these numbers. 😲


I think it's a purely "corporate political" decision that you haven't come around yet. Otherwise you wouldn't have mentioned changing the rules after this case was closed.

Why not show insight and goodwill now 😉?


I rely on Antillephone and Versusodds to look at this case objectively and, most importantly, logically.


Until then, have a good time and stay healthy.


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1 year ago

Dear Artcasino representative:

Could you please explain how you can penalize our casino if you have checked our bonus T&C before we went live and now when "breach" happened you step on side of player and start claiming that rule is "unfair".

This rule is OK when applied to sticky bonuses, so that's why we didn't penalize you. The person who checked the rules found it on our database of rules and saw there it was OK, but he didn't check if the casino has sticky bonuses or not.

You are willing to change the rule but not pay the winnings. So we will not penalize your terms but this complaint, yes.

From my perspective, you are just trying to find an excuse how not to pay the winnings.

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1 year ago

Hello Matej,


"This rule is OK when applied to sticky bonuses, so that's why we didn't penalize you. The person who checked the rules found it on our database of rules and saw there it was OK, but he didn't check if the casino has sticky bonuses or not."


Comment: We have following bonus T&C (written below) which applies for first deposit bonus in this context. Could you please explain what has sticky/no sticky bonus to do with it?


"You are willing to change the rule but not pay the winnings."


Comment: We treat all players equally under bonus T&C that applied during their activity. It would be totally unfair to other players that we do not follow our own bonus T&C and do something against it.


We would be very happy if you take part of responsibility on your end for this situation.


Artcasino Team


General Bonus T&C


10.1.6 Players are not allowed to collect and/or combine bonuses. Bonus is considered as active until withdrawal request has been processed or when players balance reach zero out threshold which is set to 1 EUR or equivalent in other currency.


10.1.5 All games have a maximum betting limit of 3 EUR (or equivalent in other currencies) per game round/spin during bonus is active on the player's account. Moreover, it is strictly forbidden to use any slot special features, including "gamble feature", "buy bonus feature, "buy free spins future" and "bonus hunt" (collecting bonuses with intention to later open it) during bonus active period ("active bonus") on the player's account. With any active Bonus following games are strictly forbidden to play; Jackpot games, Table Games, Video Poker, Virtual Games (Sports and Races), Live Casino or placing bets on any Sportsbook event. Violation of this rule will forfeit the bonus and any winnings resulting from the bonus or other games that were completed during the active bonus period.


10.2 First Deposit Bonus


10.2.1 You are eligible for one first deposit bonus which shall mean no more than one of each bonuses per user, IP address, computer device, family, residential address, telephone number, credit or debit card and/or e-payment account, e-mail address, and environments where computers are shared (university, fraternity, school, public library, workplace, etc.). 


10.2.2 First Deposit Bonus is valid for all new qualifying customers of Artcasino for first deposit with bonus code ART1. Bonus code must be claimed before making deposit. Bonus comes with wagering requirement of 35x (thirtyfive times) deposit + bonus received.


10.2.3 General Bonus Terms & Conditions apply.

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1 year ago

Dear Artcasino representative.


Do you understand that the way how you apply the rule is unfair?


How could we be responsible for what your casino is doing to players?


In a typical casino, the player takes a bonus. When wagering is complete, the bonus is transferred to real money, and that's it.


I can give you 3rd party opinion, or we can make public voting on our forum. But I am sure about the result.


I could take a bonus and complete wagering. If I do not make a withdrawal, I could be stuck for years with the bonus terms, and if I breach after ten years max bet, you will confiscate everything and return the initial deposit. How could this be fair?


If you would like to treat players this way, we will definitely put a big warning to your casino's review - because it is not fair.

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1 year ago

Hello Matej,

Responsibility was meant for your review of our Bonus terms and Conditions which you found fair & transparent. Now when we applied violation of bonus terms you found it unfair. How possibly can we apply specific term (until withdrawal is processed) differently can be discussed. Meanwhile player did a complaint to Regulator and their decision we will strictly follow.


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1 year ago

Dear Artcasino representative.


You can get three different opinions if you ask three lawyers to look at your terms.


Many terms end up in the so-called "grey zone", which means they are not written well but have probably never been misused. Your defence is that you are right because we said your terms are OK.


However, our website terms say that we may make mistakes from time to time.


Most important is what is written here:


https://casino.guru/fair-gambling-codex-for-casinos#max-bets


Specifically:


If software enforcement is not possible, each case should be judged separately, so that only players who have broken the rule knowingly and systematically to gain an advantage are punished.


The whole case is absurd to me because if gamblejoe52 decided to withdraw all money after he finished the wagering, you would pay him €7080. Because he gambled away the €80, you voided his completed wagering, which is entirely wrong. He basically saved you €80.


I am sorry, but it looks like you are doing everything not to pay the winnings.


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1 year ago

Hi Matej,


We absolutely deny your statement not to pay out winnings as long as we follow our regular bonus T&C.

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1 year ago
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Dear Artcasino and Matej,


if it wasn't for €7000 I would have asked CasinoGuru to close this complaint a long time ago.

It's embarrassing for me myself to have even played this art of argumentation in your casino.


Let me guess, if the regulator decides against my favour, I probably still have to wager my deposit 5 times according to their T&C 10.6.


I would like to be brief, because Matje and I have already expressed a number of arguments against the rule. These arguments were not unreasonable and, importantly, many details on your website contradict rule 10.1.6.


If you are so fair, transparent and, above all, actually willing to pay out winnings, these questions should not pose any problems.

I would like to verify your authenticity. Because I think both Matej and I were consistently fair, transparent and above all authentic.


Here are very simple questions that can be answered with yes or no.


  1. Is rule 10.1.6 fairly worded?
  2. Is rule 10.1.6 clear and understandable?
  3. Does Rule 10.1.6 have proven loopholes?
  4. Is Rule 10.1.6 immediately identified when clicking "Promotions"?
  5. Is rule 10.1.6 mentioned after a withdrawal request?
  6. Is rule 10.1.6 mentioned during a withdrawal request?
  7. Is the rule explained in more detail under FAQ? After all, this is a special rule.
  8. Does a player benefit from rule 10.1.6 after losing part of his winnings?
  9. Does rule 10.1.6 play a crucial role in the bonus implementation?
  10. Does rule 10.1.6 make sense if winnings generated by wagering the bonus have already been approved for withdrawal?*


* Player X pays out the maximum possible weekly amount. He has to wait a week for the next opportunity. During this time, he decides to play again with the winnings from the bonus. In doing so, he violates rule 10.1.6 with the max bet and even loses money from his winnings.


If I thought about it further, I would certainly come up with more illogical things that make rule 10.1.6 meaningless.


What disappoints me the most is the fact that you come out and claim you are fair and have the best interests of the player at heart, yet at the end of the day you don't even feel ready to compromise. Likewise, you claim to adjust the rule and make it fairer, and the next moment you insist on the rule again.


MematoGroup: "Harnessing over 20 years' experience working at the heart of the online gaming industry [...]"

With over 20 years of experience one would expect more professionalism.

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1 year ago
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In any case, Artcasino proves that it is not an attractive crypto casino by delaying the payout or intentionally passive action towards the licensing authority. (Purely speculative on my part!)


If my "offence" is so clear, why hasn't Versus Odds (last contact 01/04/2023 ) or the Licensing Authority (complaint filed 11/28/2022 ) come forward yet?

I've read some complaints here at Casino Guru (about other casinos) where the licensing authority reacted much quicker.


By the way:

Value €ETH on the day of my payout: 1150€ = about 6.09ETH would be the 7000€.

Value €ETH at the moment: 1480€ = 4.73ETH are the 7000€.


Basically, I lost about 1.3ETH in the period. This corresponds to 1924€.

My current balance, which results from the deposit, has also lost value.

Deposit value 0.5ETH = current value 0.39ETH. This is because your casino processes the deposit in € but does not hold ETH.

Please do not indicate that you care about your player and are willing to cash out "regular" winnings as soon as possible. You still haven't tried to find a compromise. The first step could have been that you pay me back my deposit, instead it has been in my account on your website for over two months now.


Please do not advertise "The Best Online Crypto Casino" otherwise my first withdrawals should have been instant. This gives the blockchain and they advertise with it. Basically when it comes to withdrawal you have to withdraw less as it is less ETH.

Clever strategy (purely speculative)!


file

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1 year ago

Dear Artcasino representative,


In this case, it looks like your only argument is that: "we have it written in the terms".


I am expecting some logic behind this rule. Please explain to us why you have this rule in your terms.


Why does this rule need to be followed until the withdrawal, and which unfair advantage does gamblejoe52 gained that you voided his winnings?


Imagine that you are withdrawing your life savings from the bank, and the person in the bank behind the counter suddenly tells you that the bank now owns your life savings because they have a rule that if you come to withdraw the money on Friday, the withdrawal will be forfeited to the bank.


That is how I see the case, and I believe not only me.


So please use better arguments and explain the situation about the rule and why you have it.

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1 year ago

We would like to ask the Casino to reply to this complaint. We are extending the timer by 7 days. If the casino fails to respond in the set time frame, we will close the complaint as ‘unresolved’ which may negatively affect its rating.

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1 year ago

Hi there,

Please note Player did a complaint to our gaming regulator which will take decision. At this position we cant do much more. Once we received their answer we will accordingly. Moreover we had a discussion with Matej where I have exposed reasons why such rules stands here and logic behind it.

Artcasino Team

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1 year ago

I already explained the situation to gamblejoe52.


In this situation, I am closing the complaint as unresolved with a status: waiting for the regulator's decision.


Gamblejoe52 or casino representative, when you receive the regulator's decision, please reopen the complaint.

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1 year ago

We’ve reopened this complaint at the request of Artcasino casino. We would like to allow this case one more chance to be resolved and help both parties involved to reach a satisfactory conclusion.

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1 year ago

Hello gamblejoe52,


I received a message that your winning is ready to withdraw.


Could you please confirm it?

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1 year ago
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Hello Matej,


I also sent you an email earlier.


Yes, the first payment has been made. I now have to wait until I can request the next payout (next week), since according to the terms and conditions only €2,500 per week is possible.


I've been waiting for more than three months now, so I'll have to be patient for a few more weeks.


be kindly informed, as per our General Terms and Conditions, in case of big winnings maximum withdrawal of such winnings may not be greater than €2,500 per week.

We have now approved a withdrawal request of €2,500. The surplus of winnings have been put on your gaming balance since you will be eligible for more withdrawals again next week.


Kind regards,

Artcasino Security


Many thanks to you and your team, so that it was actually possible to pay out. Likewise to the casino operator, who ultimately decided in favor of the player.

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1 year ago

Dear gamblejoe52,

We are extending the timer by 7 days. Please, be aware that in case you fail to respond in the given time frame or don’t require any further assistance, we will reject the complaint.

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1 year ago

I am closing this complaint as resolved because I assume the payments were made, as the player stated in his last message.

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