Introduction

These sports betting rules set forth below (these “House Rules”) are the rules that apply to any wagers placed with Plannatech (We, The Sportsbook). At the time any patron is placing a wager with Plannatech, they are acknowledging and agreeing to adhere to these House Rules governing the settlement of any wager the patron places. These are general rules and any variations to these rules at a specific sport and league level will be defined within that sport and leagues specific section below and shall take precedence over any general sport rules. Whereas a matter or scenario occurs that is not covered by these House Rules, Plannatech reserves the right to decide on a case-by-case basis. Plannatech reserves the right to make changes, amend, edit and supplement these House Rules at any time for several reasons including compliance with applicable laws and or regulatory requirements. At all times, the most up to date House Rules will be available to review prior to placing any wager. The version of the House Rules on display at the time of any wager being placed will be the version used to settle any disputes resulting from the settlement of the wager.

Errors with incorrectly posted events, markets, odds or results

1. Examples of Errors

• Wagers accepted after an event or market has already been determined or started whereas no live wagering is being offered. i.e. Past Posted Wagers
• Wagers accepted due to a technical error that may not have otherwise been accepted.
• Wagers on markets/events that are not allowed within the applicable jurisdiction.
• Wagers placed at odds or lines that are materially different from those available in the consensus market at the time the wager was accepted.
• Wagers offered at odds or lines that are based on an incorrect score or other factor relating to the outcome of a market or event.
• Wagers on markets/events with incorrect Players or Teams listed that are not participants.

2. Outcome of Errors

• If an error has occurred, and a wager has been accepted on an event or market that is associated with an error, Plannatech reserves the right to void the wager, in accordance with regulatory approval, and return the full amount of the wagered funds to the patron’s balance.

Method of notifying patrons of odds changes

1. Notifications

• In the event that odds or lines associated with the chosen wager have changed after being added to the patrons bet slip, but prior to the wager being placed and or accepted, the patron shall be notified of the change during the wager placement process. Patrons have the option to select “Approve all line changes” or “Deny all Line Changes” within the bet window.

2. Auto Acceptance of Odds/Lines Changes

• Patrons shall have the option within the bet slip to accept all odds/lines changes by default or to decline all odds/line changes by default. This selection may be modified by the patron at any time. If no option is selected, then the patron shall be asked to accept or decline any line changes as they occur.

Wager placement, acceptance and settlement of wagers

1. Placement and Acceptance of a Wager

• Patrons must be physically located in the applicable jurisdiction to be eligible to request wagers.
• Plannatech reserves the right to decline part or all the requested wager.
• Patrons are solely responsible for ensuring that accuracy of their intended wagers prior to placement.
• Patron cannot cancel or change any wager that has already been accepted.
• Should a dispute arise in conjunction with the placement or acceptance of a wager, the patrons account transaction history shall be the source of truth for settling such disputes.
• All wagers are settled automatically upon event completion. Winnings are automatically credited to the patron’s account.
• Physical tickets are not offered; all tickets are in electronic format and cannot be lost.
• All wagers are settled upon event completion. Winnings are automatically credited to the patron’s account.

2. Confirmation of a Wager Placed

• A wager that has been placed is not accepted nor confirmed until it appears in the patron’s transaction history.
• Should a patron be unsure as to the confirmation of a wager being accepted, they shall review their transaction history to confirm all wagers confirmed and their status
• If a wager is accepted and confirmed in error, Plannatech reserves the right to void the wager and return the total funds to the patron’s balance. Any wager accepted and confirmed which causes the patrons balance to go into the negative shall be considered a wager accepted in error and will be voided.
• Plannatech is not responsible for “duplicate” or “missing” wagers claimed to be placed by patrons.
• Should a dispute arise in conjunction with the placement or acceptance of a wager, the patrons account transaction history shall be the source of truth for settling such disputes.

3. Settlement of Wagers

• Winnings from settled wagers are automatically credited to the patron’s balance. Physical tickets are not offered; all tickets are in electronic format and cannot be lost and cannot expire after one year.
• Potential winnings displayed on the bet slip at the time the wager was accepted and confirmed is for informational purposes only. Depending on the type of wager placed and the occurrence of a “push”, cancelled event/market, or void will impact the final amount of any such winnings.
• Plannatech reserves the right to amend, suspend or remove early cash out availability at any time on any event/market or for specific player at their discretion.
• Plannatech reserves the right to delay settlement of any event/market until an official confirmation is published by a widely recognized legitimate source.
• Plannatech reserves the right to withhold payment of and/or void wagers for a specific event/market if evidence suggests that the integrity of an outcome has been compromised or manipulated.
• Any patron complaints related to the settlement of their wager should be reported within 7 days of settlement to merit investigation, any complaints related to settlements more than 7 days old will require the patron to provide hard evidence that a wager was settled incorrectly.

Resettlements

• In the event of an incorrect settlement, Plannatech reserves the right to correct the settlement at any time.
• Should a resettlement result in a patron having a negative balance due to wagering/withdrawing winnings associated an incorrect settlement, the patron’s balance shall be placed at zero. Plannatech reserves the right to attempt to collect the amount owed by such patrons. Failure to settle the amount with Plannatech may result in account closure.

Plannatech reserves the right to suspend any patron account that has wagered/withdrew winnings associated with an incorrect settlement.

4. Cancellation and Voiding of Wagers

• Upon cancellation of a single wager (voiding), the entire amount wagered shall be returned to the patron’s balance.
• A wager made as a parlay where one leg should meet any of the criteria for cancellation shall remain valid notwithstanding the leg that has been voided. For example: 3 Leg Parlay accepted and confirmed, however 1 Leg is cancelled, the wager shall remain valid as a 2 Leg Parlay and the potential payout amount shall be adjusted accordingly. Wagers may be resettled as a void.

Plannatech reserves the right to cancel/void a wager, in accordance with regulatory approval, for reasons including, but not limited to

An event/market is not completed or not played (i.e. disqualification, interruption, withdrawal, changes in draw.) Any wagers that cannot be decided by a recognized and official source shall be voided.

• Pre-match wager was placed after the event/market had started (past post).
• There is evidence that a wager has been placed after an outcome is already known.
• Wager was accepted and confirmed with incorrect prices due to delayed or failed live coverage pricing feeds.
• Wager was made on odds/lines that are obviously palpable errors.
• Wager was accepted after an action has occurred that would impact the odds of said event/market (i.e. total points scored while a penalty has been awarded).
• Wager was accepted on odds/lines which were based on an incorrect score at the time the wager was placed.
• Wager received on incorrect participants (teams or players) offered in a particular event/market.
• Wager accepted and confirmed while the sports betting software was experiencing technical issues which would have caused it to normally reject the wager.
• The outcome of an event/market cannot be verified officially (i.e. abandoned coverage).
• Odds/lines have been offered and bets accepted due to an error (“Error” is a mistake, misprint, misinterpretation, mishearing, misreading, mistranslation, spelling mistake, technical hazard, registration Error, transaction Error, manifest Error, force majeure and/or similar.)
• Should a wager meet any of the criteria above be associated with a live betting/in-play event/market and result as an early cash out, Plannatech reserves the right to reverse the early cash out and/or cancel the wager. Patron’s will be notified via email should their wager result in a void or cancellation.

5. Acceptance of Wagers at Other than Posted Terms

• In the event a patron wishes to place a wager at other than posted terms, the request will be escalated to Plannatech upper management. If the request is approved, the approval must be documented.

6. Refusal of Wager

• Plannatech reserves the right to suspend markets/events at any time for which all wagers being requested will be refused.
• Plannatech reserves the right to refuse any wager requested and without reason.
• Refusal of a wager due to limit restrictions are eligible for partial acceptance at posted odds/lines or full acceptance at other than posted odds/lines which require patron acknowledgment and acceptance prior to be accepted and confirmed. E. Effect of Schedule Changes
• Plannatech reserves the right to cancel wagers associated with any event or market which does not start at its scheduled start time or if the venue, that the event or market is scheduled to take place, is changed.

Deciding outcome, calculation and payment of winning wagers

• The outcome of wagers is determined by the associated rules of the event/market type as defined in this document and in combination with the results of any offered event/market for which a recognized and or official source has provided an outcome.
• Prior to placing a wager, the patron shall always be presented with the potential win amount, which the patron must acknowledge prior to placing the wager. This stated potential payout shall be the max amount of winnings that a wager can result in.
• The calculation of winning wager amounts is based on prices and odds being offered at the time the wager is accepted and confirmed. Plannatech offers American odds, decimal odds, Hong Kong odds, Indonesian odds, and Malaysian odds.

In American odds, a minus sign in front of the number mean that a customer must wager that number to win $100. Alternatively, a plus sign in front of the number means a player must wager $100 to win the amount listed in the wager.

Decimal odds tell you the return you should expect to receive based on the bet amount if your bet results in a win.

Hong Kong odds are displayed in a style similar to decimal odds. However, they do not include the return of your stake.

Indonesian odds are displayed in a style similar to American odds. Negative odds indicate the amount required to win $1. Positive odds do not display a positive symbol as they do in American based odds and are identical to Hong Kong odds with odds displayed at greater than or equal to 1.0.

Malaysian odds are displayed as a number with an absolute value no greater than 1. Positive odds, that do not have a positive sign in front of the number, are interpreted in the same as Hong Kong Odds and indicate the profit you would make for every $1 wagered. Negative odds indicate the amount you need to wager to win $1.

• Any wager whose outcome is recorded as a loss shall have no further action associated with the wager upon settlement.
• In the event a patron wishes to place a wager at other than posted terms, the request will be escalated to Plannatech upper management. If the request is approved, the approval must be documented.

Max win per wager

• Plannatech Reserves the right to make changes to both wagering and payout limits at its sole discretion, however the stated terms of any accepted and confirmed wager shall stand unless the acceptance and confirmation of the wager were recorded in error.
• At the time of placing a wager with Plannatech, the patron shall be provided with the max wager amount of any given event/market, the max wager at the currently available price/odds shall dictate the max payout of any wager offered.
• Such policy will not preclude a patron from collecting a payout in excess of the purported amount if the system allows the patron to place a valid wager that pays more than the stated maximum amount.
• The max win from any wager is $5,000,000 unless the system allows the patron to place a valid wagers that pays more than the stated maximum amount.

Method of contacting Plannatech for questions or complaints

• Plannatech maintains a link to its live chat and email services within the footer of its website and apps available to patrons in both a logged in and logged out status 24 hours per day, 365 days per year.
• Plannatech will take every reasonable measure to resolve patron disputes within five business days
• Any complaints that cannot be resolved to the patron’ satisfaction may contact the regulator presiding over the jurisdiction of the wager in dispute.

Prohibited wagers and participants

Plannatech does not offer wagering on prohibited sports events. Prohibited events are any markets not approved by the REGULATOR.

Plannatech does not accept wagers from prohibited participants, which can be defined as the following:

• Patrons under the permitted age as defined in the corresponding jurisdiction.
• Patrons who are excluded from participating in gaming as defined in the corresponding jurisdiction.
• Any person who is an athlete, coach, referee direct or indirect owner of 10% or greater, or director of a sports governing body or any of its members teams, a player or a referee personnel member, in or on any sports event overseen by that person’s sorts governing body, a person who holds a position of authority or influence sufficient to exert influence over the participants in a sporting contest, including, but not limited to, coaches, managers, handlers, athletic trainers or horse trainers, a person with access to certain types of exclusive information on any sports event overseen by that person’s sports governing body to the regulator, may not place a wager on a sports event that is overseen by that person’s sports governing body.

Methods for funding sports wagers

• For mobile/online wagering, Plannatech accepts the following funding methods:
  • Credit/Debit Card o Promotional Credits
  • Winnings during a gaming session o Corrections made by Plannatech employees with documented notification to the customer
  • ACH o Plannatech prepaid card that is registered to a known user
  • Wire Transfer o Online Money Transfer

Dead Heat Rules

• In the event of a tie where 2 or more competitors are offered in one event/market, the dead heat rule applies. This can happen with future bets including statistical leaders for a season, or bets on players to finish in a certain position in a tournament or race, as is commonly offered in golf and motor sports.
• Under the dead heat rule, the payout will be the total bet amount (wager plus win) divided by the number of players tied, minus the wager.
• For example, you place a $100 bet on a player at +500 to reach the top 5 places in the tournament, and he finishes 5th, but tied with two other players meaning 3 players in 5th place
• In this scenario, the dead heat rule will result in the following payout example:
  • Combine the Wager and Win amount ($100+$500) = $600
  • Divide the total of the Wager and Win amount by the number of players tied (3), giving you $600/3 = $200 in partial winnings
  • Subtract the original wager amount of $100 from the $200 in partial winnings and now the payout for this wager would be $100.

Primary markets offers and rules

1. Spreads (Handicaps)

• Spreads are a number of goals/points/sets/games whereas they represent an advantage or disadvantage to one side or the other. The advantage or disadvantage will be added to the official final result of the market for which a spread has been applied.
• Spreads are applied in either a two-way or three-way markets:
  • Two-way markets are typically between two teams or two players in a Head-to-Head. For example:
    • The spread on the event is Home Team +3 points, Away Team -3 points.
    • Final Score: Home Team 27, Away Team 29.
• The Away Team wins the game, but does not cover the spread at -3 points for an implied final score of 26.
• The Home Team loses the game but does cover the spread at +3 points with an implied final score of 30 points.
• Any outcome that results in a “Push” whereas the implied final score after the spread is applied results in a draw or tie will have the full amount of the wager refunded.
  • • Common two-way spread markets are as follows:
• Point Spread – American Football/Basketball.
• Runline – Baseball.
• Puckline – Hockey.
• Handicap – Soccer/Rugby/Tennis/Aussie Rules/etc.
  • Three-way markets are a two-way market that allows for a “draw” or a “tie” to be selected. For example:
    • Home Team +3 points, Away Team -3 points or Draw.
    • Final Score: Home Team 27, Away Team 30.
• The Draw would be the settled result. Any wagers on +3 or -3 are now settled as losses instead of pushes.

2. Totals (Over/Under)

• Totals wagers require that a patron choose over or under a stated number (points/goals/runs/games/etc) based on the specific interval of an event (full game/half-time/quarter/period/inning/etc) and by Team, Player or Combined for all participants. For Example:
  • Total Points for the entire Game is 47.5
  • Patron may wager that the combined points scored by the Home and Away team will either be over 47.5 points or under 47.5 points. As there cannot be half points scored, in this example, a final score of 47 points combined would be a winner for the Under, while a final score of 48 points combined would be a winner for the Over.
• Totals offered that are whole numbers provide the opportunity for a Push should the final scores combined to equal the total number the wager was made on. For example, the Total for the Full Game was 48 points. Home Team scored 27 points, Away Team scored 21 points. In this case, all wagers would be settled as a Push and the full amount of the wager would be returned to the patron.
  • Examples of sports and markets where Totals are offered:
    • American Football – Total Points Scored/Total Passing Yards/Total Rushing Yards/Total Touchdowns/Total points scored in first 7:30 minutes – By Team or Player • Basketball – Total Points Scored, Total 3-pointers, Total Rebounds.
    • Baseball – Hits, Scores, Home Runs, RBIs.
    • Hockey – Shots on Goal, Scores, Power Plays.
    • Boxing/MMA – Total Rounds, Total Punches Landed.
  • An official result of an event must be recorded and recognized by the governing body of that sport for a Totals wager to be settled.
  • All markets offered where there is a reference to timeframes (Total Points in first/last X minutes), the settlement shall use the following logic:
    • • Total Points within First 7 minutes 30 seconds = 00:00:00 – 07:29:59.
      • Over/Under 5.5 Rounds = 5th round 00:00:00 – 01:29:59.
  • All markets offered in relation to Totals are specific to the stated interval of the event and do not include scoring that occurs in Overtime unless otherwise stated for that specific market. For example:
    • Total for the Full Game = 48 points, Patron wagers on the Over.
      • At the end of regulation, Home Team has 24 points, Away Team has 24 points.
      • In the Overtime interval, Home Team scores 3 points for a final score of 27 – 24.
      • Wager will be settled as a Push as at the end of regulation, both teams combined for a total of 48 points.
  • Each sport has its own rules for defining the terms of settlement regarding Totals wagers and the requirements around required intervals for official results in the event of suspension of play prior and the event is not able to settle under normal circumstances.

3. Money Lines (Winner) There are multiple Money Line type wagers:

• Two-Way Money Line = Selection between two teams/players to predict the Winner of an event/market.
  • Events and Markets may consist of a combination of an interval in an event (Full game/1st Half/3rd Period/5th Inning/etc) and a performance metric (Most Points/Most Blocks/Most Punches Landed/etc).
  • Two-way Money Line wagers do include overtime unless otherwise stated for that specific sport or market.
  • If the indicated interval of the event/market concludes and the result is a draw/tie, then all wagers shall be settled as a Push and the full wager amount will be refunded to the patron. o Examples of Sports and Markets where two-way money lines are offered:
    • American Football – Winner of Game/1st Half/4th Quarter.
    • Basketball – Winner of Game/2nd Quarter.
    • Baseball – Winner of Game/1st 5 innings.
    • Hockey – Winner of Game/Period.
• Three-Way Money Line = Selection between two teams/players to predict the Winner of an event/market and the option to choose a draw/tie.
  • Events and Markets may consist of a combination of an interval in an event (Full game/1st Half/3rd Period/5th Inning/etc) and a performance metric (Most Points/Most Blocks/Most Punches Landed/etc).
  • Three-way Money Line wagers do not include overtime unless otherwise stated for that specific sport or market.
  • Examples of sports and markets where three-way money lines are offered:
    • Boxing/MMA – Win/Lose/Draw.
    • Soccer – Win/Lose/Draw.
• Outright Money Line = Selection on a single team/player/result from a field of teams/players/results.
  • Events and Markets may consist of a combination of an interval in an event/tournament and being the outright winner or obtaining a ranking at the close of official play for that stated interval of the event/tournament.
  • Outright money lines do include overtime unless otherwise stated for that specific sport or market.
  • Examples of sports and markets where outright money lines are offered:
    • American Football – Odds to Win Championship/Odds to Win Division/Odds to Win MVP.
    • Basketball – Exact Score scored by each team.
    • Golf – Odds to Win/Make the Cut/Finish Top 10/Group Winner.
    • Soccer – To Qualify/To Win Group.
    • Nascar – Odds to Win/Finish Top 10/Group Winner.
• Winning Margin Money Line = Selection on a team/player to win a specific event/market and margin of victory for which they must cover.
  • There are multiple formats of Winning Margin wagers offered including:
    • Team/Player to Win by exact margin of X points.
    • Team/Player to Win by range of margin (i.e. 1-6 points, 7-10 points).
    • Team/Player to Win by Over/Under margin.
• Race to X Money Line = Selection on a team/player to reach a milestone first within a defined interval of an event/market.
  • Examples of markets where Race To X money lines are offered:
    • First to X points.
    • First to X wins.
    • First to X rebounds.
• Highest Scoring Interval in an Event Money Line = Selection on which interval in the event (applicable to sport) will produce the most amount of any measurable official stat.
  • Example of markets where Highest Scoring Interval are offered:
    • Most Points Scored 1st or 2nd half/1st or 3rd period/7th or 8th inning o In the event of a tie in measured performance between the intervals associated with the market, the wager shall be deemed a Push.

4. Futures

All wagers on markets available for future betting on Plannatech are settled in a reasonable time after the result of the market is known.

For example: If you wager on Team A to win their regular season conference title, and they are mathematically out of contention prior to the completion of the regular season, the bet shall be settled as a loss after the completion of the regular season. Alternatively, if Team A were to win in this scenario, the bet shall be settled as a win in the same timeline.

5. Live In-Play Wagering

All events/markets offered for In-Play Live wagering are priced and calculated in real time based on the current score and or scenario. Plannatech makes every attempt to ensure that accurate scores are displayed to patrons at the time of placing any In-Play Live wagers, however there will be no liability accepted for any information provided to the patrons that is stale or inaccurate and may have impacted their wagering decisions.

Wager Types

1. Straight Wagers

• A straight wager involves a single selection made on any event/market.
• Payout Calculation of Straight Wagers is based on the price assigned to the selection in the form of “Juice” or “Vig” which can be either a negative (favored) or positive (underdog) number which is used to calculate the payout per $1 wagered. For example:
• Spread Market: Home Team – 3 -110.
  • This indicates that the Home Team is favored by 3 points.
  • A price of -110 which means I can pick the Home Team to win the game and cover
    the spread of 3 points at a wager of $110 to win $100.
• Two-Way Money Line Market: Home Team to Win -165.
  • This indicates that the home team is favored to win by more than a 50% chance.
  • A price of -165 means the patron can pick the Home Team to win the game only, regardless of score, but must wager $165 to win $100.
• Straight Wager Payout Examples:

2. Parlay Wagers

• A parlay wager consists of two or more selections on any pre-match or live event/market.
• In order for a parlay to be a winning wager, all selections included in the parlay must be settled as winners.
• In the event of a push on any selection within the parlay, the payout multiple will be adjusted to reflect a parlay with one less selection in it. For example:
• 4 Team Parlay.
  • Home Team -3.
  • Total Points Over 47.
  • Away Team Rushing Yards Under 100.
  • Total Touchdowns Over 5.
• The game ends and the final score is Home Team 30 – Away Team 27, this creates a Push for the selection of Home Team -3.
• The 4 team parlay now reverts to a 3 team parlay and adjusted potential payout.
  • Any 2 team parlays where one selection is settled as a push shall result in the wager being designated a straight wager and settled accordingly.
  • Payout Calculation for Parlay wagers is based on True Odds:

*Payout numbers above are calculated based on -110 pricing.

3. Teaser Wagers A Teaser wager consists of two or more selections on pre-match basketball and/or football events/markets where the point spread, or total is set as an alternative line based on a patron’s chosen adjustment of points that will create favor for all selections in the teaser.

For example:

• Patron makes the following selection on the bet slip:
  • Team A Point Spread – 4.
  • Team B Point Spread – 6.
  • Team A Total Under 55.
  • Team B Total Over 48.
• A 4 team 6-point Teaser is selected on the bet slip and now all selections appear as follows:
  • Team A Point Spread +2.
  • Team B Point Spread PK (0).
  • Team A Total Under 61.
  • Team B Total Over 42.
• Teasers consisting of 7.5/8/8.5/9 points are only offered in football for select leagues.
• Teasers are not allowed on Live In-Play events/markets.

Settlement Rules for Teasers:

• Any teaser with at least 1 losing selection in it shall be settled as a loss.
• 2 team teasers that result in a win and a push shall result in the entire teaser being settled as a push.
• For teasers between 6 points and 9 points where a push has occurred on one of the selections, the wager will be reduced to the next lowest number of team in the teaser. For example, a 4 team 6-point teaser with 1 selection that is settled as a push would become a 3 team 6-point teaser and revert to the applicable payout odds.
• For 3 team 10-point football teasers, any single push combined with two wins shall have the entire wager settled as a push.
• For 3 team 8-point basketball teasers, any single push combined with two wins shall have the entire wager settled as a push.

Payout Calculations for Football Teaser wagers are based on Fixed Odds:

Football Teasers

Payout Calculations for Football Teaser wagers are based on Fixed Odds:

Football Teasers 

• Payout Calculations for Basketball Teaser wagers are based on Fixed Odds:

Basketball Teasers

Futures markets should be viewed as “all-in” markets, meaning if the team or player you select doesn’t win the selection, then the bet is graded as a loss. Plannatech shall not offer individual players from either teams on future selections for individual awards.