Credit & Refund Policy

Fantasy Footy League Ltd

Scope: This policy governs how purchasing, wallet balances, Paid Credits, Bonus Credits, contest entries, refunds, and account closures operate across the Fantasy Footy League platform.
Balance Segregation: User accounts maintain a clear separation between real Cash Balances (deposited funds and Paid Credits) and Bonus Credit Balances.
Fund Protection: All customer cash and credit balances are held under "Medium Protection" in segregated accounts separate from corporate funds, in compliance with UK Gambling Commission standards.

Purchasing Credits: Users can purchase Paid Credits via the app or desktop platform at a rate of £1.00 per credit, which immediately populate in the in-app wallet balance.
Credit Withdrawals: Unused Paid Credit balances (£1 per credit value) can be withdrawn at any time via bank transfer.
Cash Winnings: All competition cash prizes are paid back into your wallet where you can either convert to credits or withdraw via bank transfer.
Credit Winnings: All competition credit prizes are Bonus Credits and paid back into your wallet to be used to enter future games.

Nature & Value: Bonus Credits are non-cashable digital tokens issued to enable players to use them to enter future games. They carry a cash value of £0, cannot be withdrawn as cash, transferred to other player accounts, or exchanged outside designated gameplay.
Earning Methods: Fantasy Footy League may award Bonus Credits at its discretion through bulk credit package purchases, Refer-a-Friend programme milestones, or qualifying leaderboard ranks in Weekly Competitions.
Order of Consumption: Paid Credit balances are automatically consumed prior to Bonus Credits during gameplay, unless a specific game mechanic dictates otherwise. Bonus Credits are used only after the Paid Credit balance reaches zero.
Expiration: Bonus Credits expire exactly 180 days (approximately 6 months) from the date and time they are credited, at which point unused Bonus Credits are automatically removed.
Forfeiture on Early Withdrawal: Withdrawing a Paid Credit balance while participating in an active promotional offer results in the forfeiture of any remaining Bonus Credits associated with that offer.

Non-Refundable Rule: Once an entry is submitted and credits are used to enter a game, those credits are strictly non-refundable under any circumstances.
Submission Deadlines: Entries must be submitted at least 90 minutes prior to the first fixture of the Gameweek; ensuring timely submission is the sole responsibility of the user.
Technical & Network Issues: Refunds are not issued for missed or incomplete entries caused by local connectivity issues, device failures, network lag, or user error.

Abandoned Matches: If a match is abandoned after kick-off, points accumulated up to the minute of abandonment stand, contest entries remain valid, and no credit refunds are issued.
Postponed Matches: If a match is postponed outside the Gameweek window, affected players score 0 points, the contest proceeds using standard scoring, and entry credits are not refunded.
System Failures: In the event of a total system issue, Fantasy Footy League Ltd reserves the right to void affected games and restore credits to players for entries to impacted games.

Self-Exclusion & Closure: Closing an account or self-excluding for responsible gambling reasons results in remaining Paid Credit balances being refunded to the user via bank transfer.
Dormant Accounts: If an account remains inactive for 12 consecutive months, Fantasy Footy League will attempt to contact the user for payment details to return any outstanding balance before administrative dormancy fees apply.
Account Integrity & Abuse: Fantasy Footy League reserves the right to withhold, void, or revoke Bonus Credit balances if collusion, creation of multiple accounts by a single user, automated bonus exploitation, or breaches of the general Terms of Service are detected.