Terms & Conditions

1. Acceptance of Terms

Welcome to True North Lotto Hub. By accessing or using our website and services (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use our Service.

These Terms constitute a legally binding agreement between you and True North Lotto Hub Corp. ("we," "our," "us"), a company incorporated under the laws of Quebec, Canada (NEQ: 1200005678).

2. Eligibility Requirements

To use our Service, you must:

• Age: Be at least 19 years of age
• Residency: Be a resident of Canada in a province where our services are available
• Capacity: Have the legal capacity to enter into binding contracts
• Compliance: Not be prohibited from participating in lottery activities under applicable law
• Verification: Provide accurate identification and undergo verification procedures

We reserve the right to verify your age and identity at any time. Failure to meet eligibility requirements will result in account suspension or termination.

3. Service Description

True North Lotto Hub provides a licensed platform for purchasing official lottery tickets on behalf of registered users. Our services include:

• Access to select lottery draws operated by official lottery corporations
• Online ticket purchasing and management
• Automated result notifications
• Prize claim facilitation
• Account management and transaction history

Important Disclaimers:

• We act solely as an intermediary between you and official lottery corporations
• We do not operate lottery games or determine winning numbers
• All tickets are official lottery tickets subject to lottery corporation rules
• Availability of specific games may vary by province and time
• We reserve the right to modify or discontinue services at any time

4. Account Registration and Security

4.1 Account Creation

You must create an account to use our Service. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information promptly
• Keep your password secure and confidential
• Immediately notify us of unauthorized account access
• Accept responsibility for all activities under your account

4.2 Account Restrictions

You may not:

• Create multiple accounts or share accounts
• Use another person's account without permission
• Sell, transfer, or assign your account
• Provide false or misleading information
• Circumvent age or identity verification

4.3 Account Termination

We may suspend or terminate your account immediately if you violate these Terms, engage in fraudulent activity, or for any other reason at our sole discretion. Upon termination, your access to pending tickets and account balance will be addressed in accordance with applicable law and our policies.

5. Ticket Purchases and Subscriptions

5.1 Purchase Process

• Tickets are purchased using funds in your account or direct payment
• All purchases are final and non-refundable once processed
• We will purchase official lottery tickets on your behalf
• Digital copies of tickets will be available in your account
• Purchase confirmations are sent via email

5.2 Number Selection

• You may select your own numbers or use Quick Pick for random selection
• Number selection must be completed before the draw cutoff time
• We are not responsible for errors in your number selection

5.3 Subscriptions and Auto-Renewal

If you set up recurring purchases:

• Your account will be charged automatically before each draw
• You must maintain sufficient funds for auto-renewal
• You can cancel subscriptions at any time before the next charge
• Missed payments may result in subscription cancellation

5.4 Pricing and Fees

• Ticket prices match official lottery corporation pricing
• Service fees may apply and will be clearly displayed before purchase
• We reserve the right to change fees with notice
• All prices are in Canadian Dollars (CAD)

6. Winnings and Prize Claims

6.1 Prize Crediting

• Winnings are verified against official lottery results
• Small to medium prizes are automatically credited to your account
• Large prizes (typically over $10,000) require manual claim procedures
• Prize amounts are subject to lottery corporation rules

6.2 Prize Claim Process

• You will be notified of all winnings via email and account notification
• For large prizes, we will contact you to arrange claim procedures
• You must provide additional verification for large prize claims
• Physical tickets may be required for certain prize claims
• Prize claim deadlines are set by lottery corporations (typically 1 year)

6.3 Taxes and Deductions

• Lottery winnings in Canada are generally tax-free
• However, interest earned on winnings may be taxable
• We may withhold funds for regulatory compliance
• You are responsible for understanding tax implications
• We will provide tax documentation as required by law

7. Payments and Withdrawals

7.1 Accepted Payment Methods

We accept: Credit cards (Visa, Mastercard), Debit cards, Interac e-Transfer

7.2 Account Balance

• Funds deposited into your account are held securely
• Balances do not earn interest
• We do not provide credit or allow negative balances

7.3 Withdrawals

• You may withdraw your account balance at any time (excluding pending tickets)
• Withdrawals are processed within 3-5 business days
• Funds are returned via the original payment method when possible
• Minimum withdrawal amounts may apply
• Additional verification may be required for large withdrawals

7.4 Fraud Prevention

We employ fraud detection measures and may freeze accounts or delay transactions if suspicious activity is detected. You agree to cooperate with fraud investigations.

8. Responsible Gaming

We are committed to responsible gaming practices. Our tools and policies include:

• Self-Exclusion: You may request temporary or permanent account closure
• Deposit Limits: Set daily, weekly, or monthly spending limits
• Reality Checks: Reminders of time spent and money wagered
• Resources: Access to problem gambling support organizations
• Age Verification: Strict enforcement of 19+ age requirement

Problem Gambling Resources:

• Responsible Gambling Council: 1-800-461-0140
• Website: www.responsiblegambling.org

9. Prohibited Activities

You agree NOT to:

• Use the Service for illegal purposes or money laundering
• Engage in fraudulent activity or identity theft
• Attempt to manipulate or hack our systems
• Use bots, scripts, or automated tools
• Reverse engineer or copy our software
• Violate any applicable laws or regulations
• Harass or abuse our staff or other users
• Create fake accounts or provide false information
• Resell tickets or operate an unauthorized lottery service

Violation of these prohibitions may result in immediate account termination, forfeiture of funds, and legal action.

10. Intellectual Property

All content on our Service, including text, graphics, logos, software, and design, is owned by True North Lotto Hub Corp. or our licensors and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our Service
• Publicly display or perform our content

11. Disclaimers and Limitation of Liability

11.1 Service Availability

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We do not guarantee:

• Uninterrupted or error-free service
• Accuracy or completeness of information
• Security from unauthorized access
• Availability of specific games or features

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for indirect, incidental, consequential, or punitive damages
• Our total liability is limited to the amount you paid to us in the past 12 months
• We are not responsible for lottery corporation errors or rule changes
• We are not liable for lost profits, data loss, or business interruption

11.3 Ticket Verification

You are responsible for verifying ticket numbers and results. While we provide result notifications, you should independently verify all winnings with official lottery sources.

12. Indemnification

You agree to indemnify, defend, and hold harmless True North Lotto Hub Corp., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from: (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or third-party rights, or (d) any fraudulent or illegal activity.

13. Privacy and Data Protection

Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to our data practices as described in the Privacy Policy.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. We will notify you of material changes via email or prominent notice on the Service.

Your continued use of the Service after changes constitutes acceptance of the modified Terms. If you do not agree to changes, you must stop using the Service and close your account.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles.

15.2 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts located in Montreal, Quebec for resolution of any disputes.

15.3 Dispute Resolution

Before filing any legal action, you agree to attempt to resolve disputes through:

1. Direct communication with our customer support
2. Good faith negotiation
3. Mediation (if negotiation fails)

15.4 Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class action or representative proceeding.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely matches the intent of the original.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and True North Lotto Hub Corp. regarding the Service, superseding any prior agreements or communications.