Responsible Social Gaming Policy

Effective as of January 1, 2024

Table of contents

Networthy Inc., operating as “LottoLend,” is fully committed to promoting responsible social gaming on its website (“Site”) as a policy of customer care and social responsibility. We aim to provide the most fun, social, and rewarding experience possible while taking appropriate measures to ensure this is done responsibly.
We believe it is our responsibility to our customers to ensure that you enjoy your experience using our products while remaining fully aware of the potential risks associated with online and mobile gaming (including promotional contests) if you don’t remain in control.
To ensure that you continue to enjoy safe and manageable play, we fully support responsible social gaming and have put measures in place to assist players who wish to control their participation. We reserve the right to activate these measures unilaterally if, in our sole discretion, we consider them necessary.

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1.0 KEEPING TRACK OF YOUR PLAY

1.1. Playing online and mobile games should be treated as a fun pastime. Here are some tips to help you maintain control of your gaming:

Keep it fun

1.2. Playing online and mobile games is a form of entertainment, but it should be played in moderation. It should not be used to escape reality or generate income through winning prizes.

Don’t borrow more than you can comfortably repay

1.3. Set a budget and stick to it. Only participate in LottoLend’s prize-linked loans contest if you can afford to repay your loans. You can always play for free via LottoLend’s alternative methods of entry (see our Contest Rules).

Make use of our gaming management tools

1.4. If you need some time out, you can take a break from participating at any time by following the steps in section 2.

1.5. If you think you may be gaming too often, consider the self-assessment questions in section 3 below.

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2.0 STAYING IN CONTROL

2.1. We encourage our customers to game responsibly, so we offer responsible social gaming features.

Loan Limits

2.2. LottoLend limits customers to one loan at a time and will only lend up to 50% of an applicant's monthly income.

2.3. If you want us to set a loan limit for yourself lower than our stated limit of $1,500 for all future loans, you can email your request to support@lottolend.ca. The email must include your full name, residential address, email address, and age so that we can set your personal limit on the LottoLend Site in the future.

Self-Exclusion and Account Closure Options

2.4. If you want to pre-emptively exclude yourself from the Site so that you cannot borrow from LottoLend or choose to exclude yourself from the Site after paying off an existing loan, you can email your request to support@lottolend.ca. The email must include your full name, residential address, email address and age to allow us to block you from registering and playing on the LottoLend Site in the future. The self-exclusion can only be lifted seven days after we receive your written email requesting to reverse your previous request of self-exclusion.

2.5. We will apply your self-exclusion as soon as practically possible; however, please note that this process takes a reasonable working period to implement. We will not consider the self-exclusion period as having commenced until we have implemented it and communicated it to you. If you find that you can still access the LottoLend Site after this, it is your responsibility to inform us immediately.

2.6. During a self-exclusion period, you will not have access to the LottoLend Site. If you require access to your loan history and information, you will need to email Customer Support.

2.7. At the conclusion of a Definite Self-Exclusion, your access to the LottoLend Site will be reinstated.

2.8. When an Indefinite Self-Exclusion is applied, you can only regain access by writing to Customer Support. The Indefinite Self-Exclusion will only be lifted seven days after we receive the email request.

2.9. Once the self-exclusion is applied, you will no longer receive any further marketing materials from us. We strongly recommend that you also seek exclusion from all other social gaming Sites with an active account. If you use social media channels, you should take steps to ensure that you don’t view or receive any news or updates from them.

2.10. We may exclude you from the LottoLend Site for a definite or indefinite period at our sole discretion if there are reasons to indicate that you may have a social gaming problem.

Permanent Account Closure

2.11. You may choose to close your account. If you wish to do so, provide a written email request to Customer Support at support@lottolend.ca.

2.12. We reserve the right to refuse or close a Customer Account at our sole discretion, but we will honour any contractual obligations already made.

Amending or Revoking Limits and Self-Exclusions

2.13. Where you contact us to change any limits you have set:

  • 2.13a. a request for an increase to a limitation will come into effect immediately and
  • 2.13b. a request to decrease or remove a financial limitation will be effective only after the lapse of 5 days from the date we receive the request and
  • 2.13c. A request to decrease or remove a time limitation will come into effect only after the lapse of 5 days after we receive the request.

2.14. Where you contact us to make changes to a self-exclusion which is in effect:

  • 2.14a. a request for an increase of a self-exclusion will be effective immediately upon our receipt of the request and
  • 2.14b. a request for a decrease of a definite period of self-exclusion will be effective only after the lapse of 5 days from the date we receive the request and
  • 2.14c. a request to revoke a period of self-exclusion will be effective only after the lapse of 7 days from the date we receive the request.

3.0 SELF-ASSESSMENT

3.1. If you think your or someone else’s gaming is becoming problematic, then it may be beneficial to consider the self-assessment questions below.

  • 3.1a. Do you often re-live gaming experiences or think about future ones?
  • 3.1b. Do you hide or lie about your gaming?
  • 3.1c. Do you get very angry when someone or something interrupts a game?
  • 3.1d. Have you ever taken a break from gaming and binged uncontrollably upon your return?
  • 3.1e. When upset, do you soothe yourself with games or plans to game?
  • 3.1f. Do you find yourself gaming in the early morning?
  • 3.1g. Do you find ways to play games when away from home?
  • 3.1h. Do you set limits with gaming and then break them, playing hours longer than intended?
  • 3.1i. Do you lose hours of sleep to gaming?
  • 3.1k. Have you sworn off a game, deleted your account, and later returned to it?
  • 3.1l. Do you feel guilt and shame around your gaming?
  • 3.1m. Does gaming contribute to arguments in your relationships?
  • 3.1n. Has gaming taken the place of any hobbies or sports you used to enjoy?
  • 3.1o. Do you forget appointments, responsibilities, or deadlines at work or school when gaming?
  • 3.1p. Do you become irritated and defensive when people suggest you might be gaming too much?
  • 3.1q. Have your hours spent gaming increased over time?
  • 3.1r. Do you blow off social events to game?
  • 3.1s. Have you lost contact with friends and family since gaming?
  • 3.1t. Do you have intense feelings (highs, lows, anger, fear) while gaming?

3.2. The more questions that you answer “yes” to, the more likely it is that you are having difficulties with your gaming. To speak with someone who can give you advice and support, please get in touch with the Support Organization referred to in section 4.

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4.0 SUPPORT ORGANIZATION

4.1. If you wish to access help and support services for people who have been adversely affected by gaming, we advise you to contact Computer Gaming Addicts Anonymous (CGAA) using the following email address: helpline@cgaa.info.

4.2. Important: Please note that the CGAA is an independent problem gaming support service and is NOT affiliated with LottoLend. The CGAA does NOT provide customer support or dispute resolution services. Should you wish to discuss any matter or complaint related to your account, you can do so by contacting us using this form.

5. EDUCATION INFORMATION ON RESPONSIBLE SOCIAL GAMEPLAY

Principles of Gameplay

Listed below are general considerations of gameplay, not necessarily associated with the LottoLend Site and contest.

5.1 Randomness: Remember that contest round outcomes are completely random. Results cannot be predicted and are independent of past or future outcomes.

5.2 Return to Player (RTP): This is the average return on the winnings and prizes over the lifetime of a slot-type game. For example, if a slot type has an 8% advantage, the average RTP will be 92%.

5.3 Advantage: All casino-type games are designed with a slight advantage, favouring the operator.

6.0 COMMON MISCONCEPTIONS OF GAMEPLAY

6.1 “I'm due for a win” - You cannot predict when you're going to win. All outcomes are random.

6.2 “I always win with my lucky charm and pre-game ritual” - Although they might be fun, charms and rituals don't affect your chances of winning. All outcomes are random.

6.3 “The longer I play, the more chance I'll win” - Time spent does not affect your chances of winning. All outcomes are random.

6.4 “These Games have been rigged”—We use a secure quantum randomization engine which selects the winning numbers for each draw. The proprietary methodology ensures each draw is securely and fairly conducted.

7.0 PROTECTION OF MINORS

LottoLend has identity checks to mitigate and prevent the risk of underage participation on our Site.

7.1 If you share your mobile phone, tablet, laptop or computer with friends or family who are under the legal age to participate in online social gameplay, we recommend that you restrict their access to our Site by using one of the below services:

  • Netnanny.com - filtering software that protects children from inappropriate web content.
  • Cybersitter.com - filtering software that allows parents to add their Sites to block.

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