Terms and conditions


    • Lotto27 is a company duly registered under the laws of the Federal Republic of Nigeria, with registration number RC 1710862 and having its registered address situate at 2nd floor Mulliner Towers
      39 Alfred Rewane Rd Ikoyi, Lagos. Lotto27 is licensed by the National/State Lottery Regulatory Commission. to provide gaming services.
  • Any reference to “the Company”, “Lotto 27 Gaming”, “We” and/or “Us” means Lotto27.
  • This agreement (hereinafter referred to as “the Agreement” and/or T&Cs”) constitutes a binding legal agreement between you as the player/customer/user (hereinafter referred to as “You”, “Your” shall be construed accordingly) and Lotto27.
  • This Agreement shall govern your use of our gambling/gaming services at all times. Please read this Agreement carefully and make sure that you fully understand its content. If you have any doubt about your rights and obligations resulting from the acceptance of this Agreement, consult a lawyer in your own jurisdiction.
  • These general Terms and Conditions (“T&Cs”) shall be valid for all betting games offered by Lotto27.
  • The Company shall offer betting services through various channels including but not limited to POS, SMS, and USSD (hereinafter referred to as ‘the service”).
  • By using the service, you are bound by the following terms and conditions:
  1. The General Terms and Conditions;
  2. The Betting Rules;
  3. The Privacy Policy;
  4. The General Lottery Betting Rules;
  5. All terms and conditions and/or rules concerning bonuses, promotions and special offers which may be advertised in any part of our website;
  6. All further terms and conditions contained in any of the software’s which you may download in order to be able to use the services we provide.
  • Whenever the Customer uses the service, such as to place a bet or to participate in any of the promotions offered, he/she agrees to be bound by the Terms of Use, including any amendment which may periodically take place.
  • The Terms and Conditions contained herein represent the complete, final and exclusive agreement between the Customer and the Company and supersede all prior agreements, representations and understandings.


2.00     Definitions

The following words and terms shall be interpreted as follows, unless, the context clearly implies otherwise:

  • “Account” shall refer to the personal account opened by a Player/Customer/User of Lotto27 (as defined below) and maintained by Lotto27 so as to allow the Player/Customer/User to place a bet;
  • “Applicable Court” shall refer to shall refer to the State High Court of any State in the Federal Republic of Nigeria in relation to the services provided by Lotto27;
  • “Application Form” shall mean the form to be filled in by an individual to open an Account with Lotto27;
  • “Bet(s)” shall refer to the act of placing a Wager on a Lotto27 Game;
  • “Bonus” shall refer to particular promotions that may be in force from time to time, each regulated by its own Bonus Terms and Conditions that will be present on the Internet Site of Lotto27;
  • “Cancellation” shall refer to cases where a bet is either cancelled or where the agreement between the Player and Lotto27 is considered invalid;
  • “Games” shall refer to any gaming or betting activity presented by Lotto27 for the benefit of the Player;
  • “Governing Law” shall refer to the Laws of the Federal Republic of Nigeria in relation to Games offered by Lotto27;
  1. “Internet Site/Website” shall mean the website http://www.Lotto27.com and all other websites connected thereto and accessible through links or other access paths and the services available through such sites. These T&Cs shall also apply to all gaming made via mobile devices. All references to the use of the Internet Site shall be construed as references to the use of our betting applications for mobile devices;
  • “Login and Password” shall mean the login and password details that are chosen by the User upon registering with Us;
  • “Lotto27” shall refer to the Games provided in the Internet Site which are subject to the Lotto27 License;
  • “Player” or “User” shall mean You, the individual who has registered with Lotto27 and in whose name an Account has been opened;
  • “Player Data” shall refer to all data held by Us in relation to a specific Player, including any personal data, any gaming data and any Account information;
  • “Relatives”  means spouse, partner, parents, children and/or siblings;
  • “Services” shall refer to the Internet Site and the Games and the Software. The Services are subject to the following authorizations:
  • “Software” shall mean all programs and databases and any other derived content whether or not requiring download, whether accessible or otherwise used by the Player through the Internet Site and allowing the Player to participate in a Game;
  • “Wager” is an agreement between the Player and Lotto27 under which the Player pledges a certain amount depending on the outcome of an unsettled matter. A Wager can only be offered by Lotto27 to the Player and not vice-versa.



3.01     By using the service, the Customer confirms that he/she has attained the age of 18 or such legal age as he/she must have reached under the Laws governing lottery betting that are applicable to him/her. Irrespective of national regulations concerning the legal age, however, Lotto27 does not accept any User under the age of 18. Lotto27 reserves the right to verify any Customer’s statement of age and to exclude Customers from its services, if there are any doubts regarding the attainment of the minimum age required. Any Customer using our services, who is identified as underage, shall have all his winnings forfeited and his/her (betting) account (hereinafter referred to as the “Account”) shall be blocked immediately.

3.02     Non-Commercial, non-professional purposes: the Customer´s interest in using the service is of a personal nature, and is to be used purely for personal entertainment. Any commercial and professional interest is prohibited.

3.03     You accept that that use of our Service is at your sole option, discretion and risk. Furthermore, you agree that the use of our Service is for your own personal entertainment and non-professional use and, in doing so, you are acting on your own behalf and acknowledge that any activities in violation of these Terms are strictly prohibited.

3.04     By accepting these Terms, you hereby acknowledge have the fully acknowledge that there is a risk of losing money when betting and you fully agree to be responsible for any such loss. In relation to your losses you shall have no claims whatsoever against us or any of our partners, or respective directors, officers or employees.

3.05     By opening an account or using our Services, you represent, warrant, agree and covenant that you shall comply with all laws, statutes and regulations in relation to your use of our Service. We shall not be responsible for any illegal or unauthorized use of our Service. By accepting these Terms, you agree to assist us with the compliance with applicable laws and regulations.

3.06     It shall be your sole and exclusive responsibility to ensure that you are fully compliant with all laws relating to online activity and/or gambling in your jurisdiction. We shall in no way accept liability in situations where your use of the Service is in breach of any state, national or international laws.

3.07     We reserve the right to close or suspend any customer’s account without prior notice. You are expected to abide by these Terms at all times and you accept that any breach could lead to penalties including but not limited to account suspension, cancelled bets and loss of winnings.

  • Customer Accounts
    • Registering a New Account:

To use the Service, you shall first register an account. During the account creation process, you shall be required to enter your personal details during the account registration process, which may include your mobile number, full legal name, etc. In the event your registration information is inaccurate or incomplete, you will be required to update such information upon request. Lotto27 reserves the right to close the Account when the information provided is deemed to be false or inaccurate.


  • Acceptance of Terms

By registering an account, you represent and warrant that you are of legal age, are competent to enter into a binding legal agreement, and that you understand and accept all our Terms.


  • Single Account
    • You shall only register and operate a single account. If you hold more than one account we reserve the right to suspend duplicate accounts.
  • You shall not access the Service by means of another person’s account. In the event you open more than one account, under your own name or under any other name, or attempt to access the Service by means of another person’s account, we reserve the right to immediately terminate/close all your accounts and bar you from future use of any of Service.
  • It is prohibited for you to buy, sell or transfer accounts to other Customers/users.
  • Your Account will be linked to your mobile GSM number and only you, as the owner of these accounts, may deposit on the Website under your name.
  • Passwords
    • The account registration process will use your mobile number as your username. You must keep this information secret.
  • Customers are solely responsible for their account transactions and have the responsibility to keep their account information strictly confidential. We shall not be liable for any customer giving away, sharing or loss of his/her account details, we will not be held liable for any claims that may arise in respect of that account.
  • Personal Use Only

The Service is for personal, non-commercial use only. You hereby agree that we are entitled to monitor your gameplay and use of our Service to detect gameplay patterns indicative of professional, non-recreational play. Any professional use of our Service is prohibited.

  • Eligibility

Employees of Lotto27, its licensees, distributors, wholesalers, subsidiaries, advertising, promotion or other agencies, media partners, retailers and members of the immediate families of each are not eligible to use the Service, and all accounts in violation of this clause will be immediately terminated.

  • Accuracy

You are required to keep your registration details up to date at all times. If you change your address, e-mail, phone number or any other contact or personal information, you may contact us immediately in order to update your account information.

  • Dormant Accounts
    • Your account will be considered dormant if it has not had any activity for 6 months, uninterrupted. Account activity is defined as the following: making of a deposit or withdrawal; placement of a bet.
    • After 6 months of non-activity, the funds in your account will be confiscated and shall no longer to available in your account for withdrawal.
  • Self-Exclusion

You may, at any time, request temporary or permanent exclusion from the Service. To view the various self-exclusion options available, please refer to our Responsible Gaming Policy.

  • Refusing and Suspending Accounts
    • We may refuse to register you as a customer or elect to de-register, exclude or suspend you as a customer from the Service at any time, for any reason or for no reason whatsoever.
  • You acknowledge that Lotto27 has no obligation whatsoever to provide you with prior notice of our decision to refuse; de-register; exclude or suspend you as a customer, nor are we required to furnish you with any reasons for such decisions.
  • If we de-register, exclude or suspend you, we shall have the unlimited right to:
    • withhold payment to you of any contested funds, whether such funds are deposits, refunds, bonuses, free monies, sportsbook credits, pay-outs or the like;
  • establish the specific criteria with which you must comply in order to be allowed access to the Service (and your account, if applicable); and
  • furnish information about you to law enforcement agencies (if the reason for such termination, de-registration, exclusion or suspension was fraud or some other form of illegal misconduct), collection agencies and/or intra-group sportsbook/casino databases. You hereby irrevocably authorize us to do so in our absolute discretion.
  • Placing Bets; Refusing and Voiding Bets
    • You agree that you shall not place more than one bet/wager with the same I.P Address/Server at any given time. Furthermore, you shall forfeit all winnings, bonuses, deposits, wager, deposits et al and your account may be suspended.
  • You shall not place a bet/wager with more than one account.
  • You agree to pay us for all bets that are placed through the Service using your account.
  • We reserve the right to refuse or limit any bets at our sole discretion for any reason whatsoever. In circumstances where a bet is deemed to be or is declared void by us solely at our discretion (e.g., not as a result of any breach of these Terms).
  • Wagers shall only be valid if accepted by our server and subject to these Terms. Until acceptance, no communications from you shall be binding on us and all information displayed on our website constitutes an invitation to play only. Should we determine to waive a rule in the interest of fair play to you, it shall only be for that instant and shall not set a precedent for the future.
  • By placing a bet, you represent and warrant that you are not prohibited from entering into the bet by any contract, regulation, rule, or gaming board, and that you do not know the outcome of the event upon which you are betting. In the event these reputations are false, your bet is automatically void.
  • Without limiting our discretion to refuse or limit bets at our discretion, you agree that we may void any bets in our absolute discretion if:
  • We suspect you have engaged in any illegal activity or any Prohibited Activity (as defined below);
  • You have breached any of these Terms;
  • There is a technological error related to the Service, including but not limited to the publishing of erroneous odds, or the placing of your bet;
  • We have reason to believe that your bet, or the event upon which you have bet, may be subject to manipulation, collusion, match fixing, or other unethical activity; or
  • Where we are required to do so by law or regulation.
  • Payment Details
    • Verification of Bank Details
      • If you use a credit/debit card and/or a financial/bank account for your transactions, the account holder’s/cardholder’s name must be the same as the name you used when registering your account. Should the name you registered on your account and the name that appears on your credit/debit card and/or financial/bank differ in any way, your account shall be immediately suspended. Should your account be suspended, we recommend you contact customer service for details regarding our verification process.
  • All withdrawals, regardless of the payment method, are subject to audit before being processed. As a result, payment of withdrawals could take up to two (2) business days to process.
  • Updating Payment Details

Updating or adding additional payment details may only be done by contacting customer service. It is your responsibility to make yourself aware of the terms upon which your payments are accepted. You are solely responsible to keep abreast of any changes.

  • Inter-Account Transfers

The transfer of funds between individual accounts is strictly prohibited.

  • No Interest

Any monies held in your account shall not attract interest.

  • Charge-backs
    • If we incur any charge-backs, payment reversals or other charges in connection with your account, we reserve the right to recover such amounts from you.
  • You represent, warrant and undertake that no charge-backs or other payment reversals or cancelations shall be made concerning account without our prior written consent. In the event of any such charge-back, reversal or cancelation, you agree to indemnify and hold us harmless against any amounts, costs, claims, damages and expenses arising in connection with such charge-backs, reversals or cancellations, or in connection with our efforts to recover such sums from you.
  • Credit Checks

We reserve the right to run credit checks on all cardholders with third party credit agencies on the basis of the information provided on registration.

  • Tax

You shall be solely responsible for any applicable taxes on any prizes and/or winnings that you collect from your use of the Service over and above taxes collected by us on your behalf. We will deduct applicable taxes from any prizes or winnings prior to payment to you; as a result, you acknowledge and agree that any amounts you receive shall be net of such deductions.

  • Withdrawals
    • General Withdrawal Policy
  • Where permitted, withdrawals may be processed back to the same payment method used to make a deposit on the account. If a financial account and/or credit/debit has been used to deposit funds, the name registered on the account must correspond to the name registered on the account/card. In the case of a request to pay funds via Direct Bank Transfer (DBT), the acquiring bank account must be held in the same name used during registration.
  • Withdrawals may require multiple transactions over a number of days, based on payment provider limitations.
  • There may be charges incurred for withdrawals.
  • We reserve the right to undertake reasonable diligence to verify the validity of any bets, wagers or winnings as a precondition to paying out any wins or permitting player withdrawals.
  • Identification Checks
    • Customers must provide a copy of their proof of identity, address, copies of credit cards and/or other appropriate documentation when withdrawing credits. Proof of identity must match the registered name and surname. If any customer fails to provide this within 4 weeks of our request, the account may be subject to lock out and winnings and/or withdrawals made, voided. In cases of fraudulent documentation, such accounts shall be locked and all balances forfeited.
  • Upon making a withdrawal, you may also be required to provide an alternate form of identification and send in any other valid identification documents we may deem reasonable to verify your age and address. The withdrawal shall not be processed for payment until we have received all requested identification documents. Acceptable identification documentation includes, but is not limited to:
  • copy of a valid photographic identification document, such as a passport or driver’s license;
  • a copy of a recent utility bill/document confirming residence, such as an electricity bill, telephone bill etc. (important: the utility bill must not be older than 90 days); and/or
  • a copy of the front and back of all credit/debit cards used to make a deposit (note: we are only required to see the first 6 and last 4 digits).
  • The payment of a withdrawal shall only be made to the customer who deposited the funds. You hereby authorize us and our designated agents, as and when we require, to confirm your identity and to clarify your right to use the money that you have betted through our Service. Failing to provide the required documents may have the following implications:
    • your account will be locked; and
  • no further gambling will be permitted until we have successfully verified your details.
  • We reserve the right to run credit checks on all cardholders with third party credit agencies on the basis of the information provided on registration.
  • When we request additional information from you in order to process a withdrawal request, all withdrawal requests will remain pending until the correspondence has been returned and approved by us. We must successfully receive and verify your identification documents, either via internal means or a third party, before you can withdraw from your account.
  • Limitation on Withdrawals
    • Customers who withdraw a sum of money that is 5 times or more than their lifetime deposits though the Service will only be able to withdraw their winnings at a sum deemed appropriate by Lotto27. The remaining amount shall be placed back in the customer’s account until such time that they are eligible for a further withdrawal. This clause will only be applied at the discretion of management.
  • Review for Irregular Play

Before any withdrawals are processed, your play will be reviewed for any Prohibited Activity (defined below). Should we determine that Prohibited Activity has occurred, we reserve the right to withhold any withdrawals and/or confiscate all winnings which we reasonably believe are related to the Prohibited Activity.

  • Erroneous Payments

You agree that, in the event of any payment or credit to your account which is made to your account as a result of our error, such amount(s) paid in error shall be held in trust by you for our benefit and shall not be withdrawn from your account. You shall return all amounts paid in error to us promptly upon our demand. We reserve the right to confiscate and recover all amounts paid to you in error.

  • Intellectual Property
    • You acknowledge and agree that all right, title and interest in the Service, including but not limited to intellectual property rights, is our absolute property and duly licensed to us.
  • The “Lotto27” brand name and any other Lotto27-related trademarks, service marks and/or trade names used in connection with the Service (the “Trademarks”) are the trademarks, service marks and/or trade names owned by Lotto27, which reserves all rights to such Trademarks.
  • You hereby acknowledge that by using the Service you obtain no rights in the Trademarks or the Service and you may only use the same in complete accordance with these Terms. Any use of the intellectual property related to the Service without our prior written consent is not permitted. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit, or tamper with the intellectual property related to the Service in any manner whatsoever.
  • You acknowledge and agree that the material and content contained within the Service or within any of our websites, software or other properties is made available for your personal, non-commercial use only. Any other use of such material and content is strictly prohibited.
  • Warranty Disclaimers
  • The entire risk of as to the use, quality and performance of the Service is yours. We make no warranty that the Service will meet your requirements, be uninterrupted, timely, secure or error-free, that defects will be corrected or that the software or server that make it available are free from viruses or bugs or represents that the full functionality, accuracy and reliability of the Service as to results or accuracy of any information obtained by you.
  • We reserve the right to suspend, modify or remove or add to our website any games or software at our sole discretion with immediate effect and without notice. We shall not be liable to you for any loss suffered by you resulting from any changes made or for any modification or suspension of or discontinuance of the Service and you shall have no claims against us in such regard.
  • Malfunctions

We shall not be liable for computer malfunctions, failure of telecommunications service or Internet connections nor attempts by you to participate in games by methods, means or ways not intended by us.

  • Reported Faults

We do not guarantee that the Service will never be faulty, but we will undertake efforts to correct reported faults as soon as we reasonably can. If a fault occurs, you may report the fault by e-mail or in writing to our customer service centre.

  • Viruses

Although we shall take all reasonable measures to ensure that the Service is free from computer viruses. However, we do not guarantee that the Service is free of such problems. It is your responsibility to protect your systems and have in place the ability to reinstall any data or programs lost due to a virus.

  • Service Suspension

We may temporarily suspend the whole or any part of the Service for any reason at our sole discretion. We may, but shall not be obliged to, give you as much notice as is reasonably practicable of such suspension. We will restore the Service, as soon as is reasonably practicable, after such temporary suspension.

  • Handling Errors and Interruptions in Play
    • Interruptions
      • We shall not be liable for any downtime, server disruptions, lagging, or any technical disturbances or disruptions to the game play or the ability to make deposits or receive withdrawals etc. We are not liable for any acts or omissions made by your internet service provider or any third party with whom you rely upon to gain access to our Services.
  • In the event of systems or communications errors relating to the generation of random numbers, bet settlement or other element of the Service, we shall not be liable to you as a result of any such errors and we reserve the right to void all bets. Refunds may be given solely at the discretion of Management.
  • System Malfunctions
    • Where a manifest error, mistake or system failure results in an incorrect odd, line or handicap taken in a bet, the bet, or that part of the bet if it is a multiple bet/parlay will be null and void.
    • In the event of a website system malfunction all bets are void. We reserve the right to void any winnings that were obtained as a result of hardware/software error or malfunction. We shall not be liable to you for any loss that you may incur as a result of such suspension or delay.
  • In the above instances, and all other instances previously mentioned where a bet may be voided, the bet event will be paid at a decimal value of 1. For single bets this means that the customer will be paid back the original bet amount. For multi-bets that the customer will be paid at an adjusted total decimal value where the voided game is adjusted to a decimal value of 1.
  • Customers found abusing such errors/malfunctions are subject to having their account closed and any deposits and/or winnings forfeited.
  • Prohibited Activities
    • General
      • We intend for our Service to be a fun, safe and enjoyable experience for our customers. As a result, we reserve the right to monitor the service for unsuitable language and behaviour, which may result in appropriate corrective action including the termination of your account.
  • Description of Specific Prohibited Activities
    • We reserve the right to monitor all customer activity for cheating, irregular play and bad faith. All such activity are hereby expressly prohibited and shall result in the immediate termination of your account. Without limitation, the following types of activities are expressly prohibited in connection with our website, Service (“Prohibited Activity”):
  • The misuse or abuse of bugs, glitches or errors of the Service;
  • The use of bots or any other form of artificial intelligence
  • Hacking, attacking or abusing the Service or any servers, software or other components of the Service;
  • Using VPNs or other software to circumvent any geographic limitations applicable to the Service;
  • The use of software to influence or modify the outcome of any of the games;
  • Match fixing, cheating or collusion;
  • Participating in, aiding or facilitating criminal activity of any kind;
  • Fraudulent or illegal activity of any kind;
  • Abusive chargeback activity;
  • Attempting to disrupt the Service or circumvent the technical measures employed by us to ensure the security and fair play of the Service;
  • Any betting activity which we reasonably suspect to be irregular, unfair or in bad faith, including but not limited to equal, zero or low margin bets or hedge betting, or placing single bets equal to or in excess of 30% or more of the value of the bonus credited to their account until such time as the betting requirements for that bonus have been met.
  • Legal Proceedings

We shall take all necessary measures in case of suspected Prohibited Activity, including the blocking of your account, freezing of the funds and reserving the right to legal proceedings. Any criminal or suspicious activities may be reported to the relevant authorities.

  • Fraudulent Payment
    • In the case of suspected or fraudulent payments, including use of stolen credit/debit cards, or any other fraudulent activity or Prohibited Activity (including any chargeback or other reversal of a payment), we reserve the right to block a user’s account, reverse any pay-out made and recover any winnings. We shall be entitled to inform any relevant authorities or entities (including credit reference agencies) of any payment fraud or otherwise unlawful activity, and may employ collection services to recover payments.
  • We shall not be liable for any unauthorized use of credit/debit cards, irrespective of whether or not the credit/debit cards were reported stolen.
  • Irregular Play

Before any withdrawals are processed, your participation in the Services shall be reviewed for any irregular betting patterns. In the interests of fair gaming; equal, zero or low margin bets or hedge betting, shall all be considered irregular gaming for bonus playthrough requirement purposes. Other examples of irregular betting include, but are not limited to, placing single bets equal to or in excess of, 30% or more of the value of the bonus credited to your account before the betting requirements for that bonus have been met. Should we deem that you have indulged in irregular game play, we reserve the right to withhold any withdrawals and/or to confiscate all of your winnings.

  • Limitation of Liability
    • Exclusions and Limits
      • Our total aggregate liability to you in contract, tort, negligence or otherwise, for any loss or damage howsoever arising from any cause, whether direct or indirect, or for any amounts (even where we have been notified by you of the possibility of such loss or damage) shall not exceed the value of the bets and/or bets you placed via your account in respect of the relevant bet/bet or product that gave rise to the relevant liability.
  • We shall not be liable to you or any third party in contract, tort, negligence, or otherwise, for any indirect losses or damages, including, without limitation, damage for loss of business, loss of profits (including loss of or failure to receive anticipated winnings), business interruption, loss of business information, or any other pecuniary or consequential loss (even where we have been notified by you of the possibility of such loss or damage).
  • Termination of Account
    • We reserve the right to terminate your account for any reason whatsoever at any time without notifying you. Any balance in your account at the time of such a cancellation will be credited to your credit/debit card/ personal bank account, unless your account has been terminated for Prohibited Activity as set out above. We also reserve the right, at our sole discretion, to void any winnings and confiscate any balance in your account which includes but is not limited to the following circumstances:
  • If you have more than one active account;
  • If the name registered on your account does not match the credit/debit card, financial/bank account to make deposits on the account;
  • If you participate in a promotion and submit a withdrawal before fulfilling the requirements of that particular promotion;
  • If you provide incorrect or misleading information while registering an account;
  • If you are not of legal age to gamble;
  • If you have allowed or permitted (intentionally or unintentionally) someone else to use account;
  • If you have played in a professional capacity, or in tandem with other customer(s) as part of a club, group, etc., or placed bets or bets in a coordinated manner with other customer(s) involving the same (or materially the same) selections; in this instance we further reserve the right, at our sole discretion, to restrict the total maximum pay out for the combined total of any such bets, to the equivalent of the maximum pay-out Limits permitted for a single customer (as outlined in the applicable rules).
  • If you have “charged back” any of the deposits made with your credit/debit card on your account;
  • If you are found colluding, cheating, money laundering or undertaking any kind of fraudulent activity while using the Service;
  • If it is determined by us that you have employed or made use of a system (including machines, computers, software or other automated systems such as bots etc.) designed specifically to defeat, disable, cheat, or gain an unfair advantage while using the Service;
  • If you use or access the Service or your account in bad faith;
  • If you make statements that are sexually explicit or offensive while using our chat facility, this includes expressions of bigotry, racism, hatred or profanity; or
  • If we should become aware that you have played at any other sportsbook or online gambling service under any of the circumstances set out in clauses 13.01.1 through 13.01.12.


  • In the event we terminate your account as a result of suspicious or illegal activity, we reserve the right to pursue criminal charges or other criminal or civil sanctions against you, and we reserve the right disclose any relevant information to the authorities or other third parties as may be necessary to pursue any remedies available to us in this regard.
  • Indemnity
    • Indemnity
      • You hereby agree to indemnify and hold us, our directors, officers, employees, shareholders, agents and affiliates, our ultimate parent and parent companies and any of our subsidiaries harmless against any and all costs, expenses, liabilities and damages (whether direct, indirect, special, consequential, exemplary or punitive or other) arising from any participation in the Service by you, including without limitation:
  • The use of the Service by you or anyone using your account;
  • The use of the Service by means of telecommunication services;
  • Use re-use of any materials at, or obtained from, the Service;
  • Entry to, or use or re-use of any servers or equipment involved in providing the Service;
  • Facilitating or making a deposit into your account;
  • Wagering or gaming via the Service through any delivery mechanism offered; and
  • Acceptance and use of any win or prize at or from us or the Service.
  • Availability of Offers
    • Eligibility, Offers & Promotions
      • All offers are limited to one per person, family, household address, e-mail address, telephone number, same payment account number (e.g. debit or credit card, etc.), and shared computer, e.g. school, public library or workplace.
  • All offers are intended for recreational customers and we may, in our sole discretion, limit the eligibility of customers to participate in any given promotion. We reserve the right to withdraw the availability of any offer or all offers to any customer.
  • Offer Recall

We reserve the right to reclaim all bonuses awarded and/or any winnings accrued if a customer is found to be tampering with or abusing any aspect of any promotion. Where there is evidence of a series of bets placed by a customer and/or group of customers which, as a result of enhanced payments through promotional offers, results in guaranteed customer profits irrespective of outcome, we reserve the right to ignore the bonus element of such offers and settle bets at the correct odds. We further reserve the right to ask any customer to provide sufficient documentation for us to be fully satisfied as to the customer’s identity prior to us crediting any bonus, free bet or offer to their account.

  • Support, Disputes and Complaints
    • Support

Customer support is available if you experience any difficulties. Customer support can be reached by email at support@Lotto27.com.ng Any complaints or disputes may be sent to this email address.

  • Customer Complaints
    • Customer complaints/claims of any nature must be submitted within 3 months of the issue occurring.
  • To ensure your complaint/claim is directed to and investigated by the correct department, written communication must be submitted to us via the following means: E-mail: support@Lotto27.com.ng
  • Upon receipt, best efforts will be made to resolve any reported matter promptly and, at a maximum, within one month.
  • Governing Law and Jurisdiction
    • These Terms are governed by, and interpreted in accordance with, the laws of the Federal Republic of Nigeria and you irrevocably submit to the exclusive jurisdiction of the courts of Nigeria to settle any disputes (including claims for set off and counterclaims) which may arise in connection the creation, validity, effect, interpretation or performance of, or the legal relationships established by or otherwise arising in connection with these Terms.
  • No Legal or Tax Advice

We do not provide advice regarding tax and/or legal matters. Customers who wish to obtain advice regarding tax and legal matters are advised to contact appropriate advisors.

  • No arbitrage

You are strictly prohibited from utilizing the Service and our systems to facilitate arbitrage through currency exchange transactions. Where we deem that you have deliberately used the systems for financial gain through arbitrage, any gains will be forfeited and deducted from your balance without warning or notification.

  • Anti-Money Laundering

Customers are strictly prohibited from using the Service and our systems to facilitate any type of illegal money transfer. You must not use the Service for any unlawful or fraudulent activity or prohibited transaction (including money laundering) under the laws of any jurisdiction that applies to you. If we suspect that you may be engaging in, or have engaged in fraudulent, unlawful or improper activity, including, money laundering activities or any conduct which violates these Terms, your access to the Service may be terminated immediately, by blocking your account or confiscating winnings achieved through the above mentioned activities. If your account is terminated or blocked under such circumstances, we are under no obligation to refund to you any money that may be in your account. In addition, we shall be entitled to inform the relevant authorities, other online service providers, banks, credit card companies, electronic payment providers or other financial institution of your identity and of any suspected unlawful, fraudulent or improper activity. You will cooperate fully with any investigation into such activity.

  • Additional Terms
    • Publicity

By accepting any prize and/or winnings, you agree to being contacted and asked to consent for your name to be used for advertising and promotional purposes without additional compensation except where prohibited by law.

  • Entire Agreement

These Terms represent the complete, final and exclusive agreement between you and us, and supersede and merge all prior agreements, representations and understandings between you and us with regards to use of our Service. We reserve the right to amend these Terms, or to implement or amend any procedures, at any time without prior notice to you. Such amendments will be implemented at the discretion of management and put into immediate effect.

  • Final Decision for Winnings

In the event of a discrepancy between the result showing on your software and our servers, the result showing on our server shall be the official and governing result.

  • Currency

The betting service is available in Nigerian Naira (NGN) only. The use of “N” indicates Nigerian Naira only.


  • Force Majeure

We shall not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the gaming contract that is caused by events outside our reasonable control.

  • No Agency

Nothing in these Terms shall be construed as creating any agency, partnership, trust arrangement, fiduciary relationship or any other form of joint enterprise between you and us.

  • Severability

Nothing in these Terms shall be construed as creating any agency, partnership, trust arrangement, fiduciary relationship or any other form of joint enterprise between you and us.

18.07b Any part of this general terms and conditions, provisions, representation or warranty, which is prohibited or which is held to be void or unenforceable shall be ineffective to the extent of such prohibition without invalidating the remaining provisions contained herein.

  • Assignment

These Terms are personal to you, and shall not be assignable, transferable or sub-licensable by you except with our prior written consent. We reserve the right to assign, transfer or delegate any of our rights and obligations hereunder to any third party without notice to you.

  • Business Transfers

In the event of a change of control, merger, acquisition, or sale of assets of the company, your account with us and associated data may be part of the assets transferred to the purchaser or acquiring party. In such an event, we may provide you with notice via email or notice on our web site explaining your options with regards to the transfer of your account.

  • Big Flex Draws
    • Players can only win once per draw
    • Players with more entries have a higher chance of winning
    • All entries made after 5:30pm on Sundays count towards the next week’s draw
    • All entries made before 5:30pm on Sundays count towards that week’s Sunday draw alone
    • Entry and Entry fee only qualifies you for Big Flex Draw
    • Big Flex Draws only applies to Big Flex alone and not Dream Request
    • Dream Request winners are not drawn but selected based on internal requirements
    • Winners may be required to make themselves physically available for promotional campaigns by Lotto27
    • Lotto27 retains the right to request for recorded videos from winners for campaigns and validation
    • Winners must have proof of identification to claim winning
  • Translations

These Terms may be translated into many different languages. If there is any discrepancy between the English language version of these Terms and any other language version of these Terms in the meaning and interpretation of any of the provisions of these Terms, the meaning and interpretation of the provisions under the English language version shall prevail.

  • Explanation of Terms
    • We consider these Terms to be fair. Should you need any advice regarding these or any other part of our service, please contact Customer Service through the following email address: support@Lotto27.com.ng
  • All correspondence and telephone calls may be recorded.