Clover Casino Terms and Conditions and Legal Facts
Jumpman Gaming Limited operates the site. UK customers fall under UK Gambling Commission rules, non-UK customers fall under Alderney rules, and the terms say all times in the document are expressed in GMT.
The access rules are strict from the start. Under-18 users cannot use the service, proof of age can be requested at any stage, and the non-permitted-jurisdiction list is broad and explicitly includes France.
The account rules also carry real money risk. The terms allow only one account per person, say customer balances are held in a segregated client bank account but marked as “Not Protected” in insolvency, and give Clover the right to suspend an account, withhold winnings, or void error-driven wins where the required proof is missing or the result came from a malfunction or administrative error.
Who Can Use the Site
The site is limited to users who are at least 18 years old, or above the legal gambling age where they live if that age is higher. Clover also reserves the right to request proof of age at any stage, not only when the account is first opened.
Residence matters just as much as age. The terms block registration and play from a long list of non-permitted jurisdictions, and France is expressly included in that list. The same section also puts tax reporting responsibility on the player, not on the operator.
| Eligibility Point | Published Rule | Practical Effect |
|---|---|---|
| Minimum age | 18 or the higher local legal gambling age | Underage access is not allowed |
| Age checks | Proof can be requested at any stage | The account can still be checked later |
| Restricted residence | Non-permitted jurisdictions include France | Registration can be refused even before play starts |
| Tax treatment | The player is responsible for reporting winnings if required | The operator does not take that burden over |
One Account and Account Security
The account rule is simple: one account per person only. The terms do not treat duplicate accounts as a harmless extra profile.
The security burden stays with the account holder. Clover says the user is responsible for keeping login details private, for logging out after play, and for transactions placed with valid credentials, including cases where the device was compromised by malware or a similar problem.
- Only one account is allowed per person.
- Username and password must be kept private.
- Logging out after play is part of the user’s own security duty.
- Transactions made with valid credentials are treated as the user’s responsibility.
Verification, Re-Checks, and Extra Proof
The verification rule is broader than a one-time identity check. Clover may ask for age, identity, and address documents, proof of payment method, and any other evidence it considers necessary to verify the account properly.
The same section allows stronger requests if needed. Certified or notarized documents may be required, source-of-funds and source-of-wealth checks can be requested, and the operator says it may repeat verification from time to time to keep the account information up to date.
If the concern is no longer which documents can be requested but how personal information is handled after submission, continue to the privacy policy.
Customer Funds and Real Money
The terms define Real Money as funds in the account that can be withdrawn and have no requirements or restrictions attached. That distinction matters because visible balance and freely withdrawable money are not always the same thing.
Customer funds are said to be held in a client bank account separated from company funds, but the protection level is stated as “Not Protected” in the event of insolvency. The separation exists, but insolvency protection does not.
| Money Rule | Published Detail | Meaning |
|---|---|---|
| Real Money | Withdrawable funds with no restrictions attached | This is the cashable balance |
| Fund location | Client bank account separated from company funds | Customer money is kept apart from ordinary company money |
| Protection status | Not Protected | Balances are not protected if the company becomes insolvent |
Inactive Accounts and the £5 Fee
The inactive-account rule starts after 365 consecutive days without login. Before the account becomes inactive, Clover says it will notify the user through the registered contact details.
Once the account becomes inactive, the remaining real-money balance is suspended for security reasons. The balance may no longer be visible on login, and while the account remains in credit an administration fee of £5 is charged every 30 days until the balance is exhausted or restored.
The terms still leave a route back to the money. Any remaining real-money balance can be restored on request, although Clover says identity verification may be required before that happens.
| Inactive-Account Stage | Published Rule | Effect |
|---|---|---|
| Trigger | 365 days without login | The dormant-account process starts |
| Before inactivity | Notification is sent | The user is warned in advance |
| After inactivity | Real-money balance is suspended | The balance may stop showing in the account |
| Fee cycle | £5 every 30 days while still in credit | The balance is gradually reduced |
| Restoration | Remaining funds can be restored on request | Identity checks may still be required |
Account Closure Is Not Self-Exclusion
The terms separate ordinary closure from player-protection measures. Closing an account is not treated as self-exclusion, and Clover says users who need a responsible-gambling stop should use the dedicated break or exclusion tools instead.
Ordinary closure also has its own timing. It takes effect 72 hours after support confirms the request, a login during that window cancels the closure request, and the account will not be closed until any pending withdrawal has been fully processed.
- Ordinary closure is not the same as self-exclusion.
- The closure process takes effect 72 hours after support confirmation.
- Logging in during that period cancels the request.
- Pending withdrawals must be completed first.
If the real need is to block access for player-protection reasons rather than to close the account in the ordinary way, the next step is the page with responsible gambling tools.
Malfunctions, Errors, and Void Winnings
The terms require the user to check deposit instructions and bet instructions before submitting them. Clover says it is not liable for user mistakes in those instructions.
The operator also reserves the right to void winnings or cash-ins enabled by winnings that result from a technical malfunction or an administrative error. The terms define technical malfunction broadly enough to include system failures that interrupt normal transaction processing in an unrecoverable way.
- Deposit instructions should be checked before submission.
- Bet instructions should be checked before submission.
- Technical malfunction can void winnings.
- Administrative error can also void winnings or linked cash-ins.
Complaints, ADR, and Dispute Timing
The formal complaints route in the terms is [email protected]. For UK customers, the terms say complaints should be submitted within 6 months of the issue, acknowledged within 48 hours, and determined within 8 weeks after all requested information has been provided.
The next step depends on location. UK customers can escalate unresolved disputes to eCOGRA if a deadlock exists or if no satisfactory resolution has been received within 8 weeks, while non-UK customers are directed to the Alderney route. The terms also say ADR is free of charge and the adjudicator’s decision is final.
| Dispute Stage | Published Rule | Effect |
|---|---|---|
| Formal route | [email protected] | The complaint enters the formal process |
| Submission deadline | Within 6 months for UK complaints | The case should be raised in time |
| Acknowledgement | Within 48 hours | Receipt of the complaint should be confirmed |
| Determination | Within 8 weeks after all requested information is provided | The internal process has a published end window |
| UK ADR route | eCOGRA | External escalation becomes available |
| Non-UK route | Alderney Gambling Control Commission | The external path changes by customer location |
If the issue is still in the ordinary help stage and has not yet become a formal dispute, the better next step is the page with support routes.
FAQ
Who Is Allowed to Use Clover Casino?
Only users who are at least 18 years old, or above the higher legal gambling age in their jurisdiction, may use the service.
Is France on the Restricted List?
Yes. France is explicitly included in the non-permitted-jurisdiction list published in the terms.
Can I Have More Than One Account?
No. The terms limit use to one account per person.
What Does “Not Protected” Mean for Customer Funds?
It means customer funds are held in a segregated client bank account but are not protected in insolvency.
What Happens After 365 Days of Inactivity?
The account becomes inactive, the real-money balance is suspended, the balance may stop showing on login, and a £5 fee is charged every 30 days while the account remains in credit.
Is Account Closure the Same as Self-Exclusion?
No. The terms say ordinary closure is not a self-exclusion measure.
Can Clover Void Winnings Caused by a Malfunction?
Yes. Winnings or cash-ins enabled by winnings may be voided if they result from a technical malfunction or an administrative error.
How Long Do I Have to Submit a Formal Complaint?
For UK customers, the terms say complaints should be submitted within 6 months of the issue.
When Can a UK Customer Escalate to eCOGRA?
After the internal process if a deadlock exists or if no satisfactory resolution has been received within 8 weeks.