DanL told us he was a student and supplied his student ID as proof. When he found out that students are not permitted to play he changed his mind and said that he wasn’t a student. We asked him to supply something that would demonstrate this and he was unable to.
Students are not permitted to play. It clearly states this in the first item in the player representations in the terms and conditions he agreed to when he created his account.
Ksech:
The age at which people are allowed to gamble varies from country to country and we cannot take the responsibility for determining this. Instead we require that the minimum age is 18 (which is the legal age here in the UK) and require the player to ensure they have reached the legal age of maturity in his/her jurisdiction.
We only deny winnings in cases where there is a clear breach of our terms of use. Our responsible gaming policy may lead to items being included in our terms of use but would never in itself lead to winnings being denied.
We make no stipulations in our terms for account holders on low income or disability benefits.
We are concerned about anyone who is gambling beyond their means and in the rare cases where this does happen it tends to be with people who have relatively good incomes. We cannot audit our player’s personal finances and so we look for other signs that there could be a problem.
Amongst others these things include rapidly increasing deposit sizes in the same sessions, spending an obsessively long time online, becoming abusive with customer services etc.
In these cases we take an individual approach. It is a delicate subject but we have to ensure that the player is aware of the options that are available to them in terms of reducing their betting and depositing limits, a cooling off period or total self-exclusion.
Kind Regards
Tom
EDIT: We don’t just review accounts at the point of withdrawal - these are just the cases that get the exposure as there are winnings involved. Cases where we have refunded player deposits on accounts with a zero balance get far less attention.
So, CW do NOT believe he has graduated after all, but has just said this after finding out he can't be paid if he was still studying at the time.
The player said he DID provide extensive proof that he had graduated prior to playing, and thus did NOT breach the term.
He WAS asked his occupation, but by an agent after providing his student ID (expired) to prove his identity. Well, WHAT THE HELL ELSE is a young UK player expected to do. The request for "photo ID" was a trap, he ONLY had a student ID, so this was the ONLY thing he was able to offer, and did so. This lead to the agent asking what his occupation was. Well, he DIDN'T HAVE ONE, so he simply said "student", most likely this was "force of habit" rather than a well thought out answer. A single word answer is quick and simple, to fully explain his situation would have taken a paragraph, not something you do when "texting" in a chat session.
If the registration form does not ask for occupation, an opportunity is lost to PROTECT students at the point of registration. Why not have a "tick box" at the end to make this particular term more explicit, rather than being bundled in with "I accept the terms and conditions".
It could be, "tick here to confirm that you are NOT a student currently studying full time at a university or college. No tick - no play. If a student DOES tick this box, they have made an EXPLICIT false declaration, impossible for them to later claim they "didn't see that".
If this player KNEW he would not get paid because he was a student, surely the LAST thing he would do would be to submit a student ID card, and answer the question about what he did with the unqualified reply of "student".
CW have at least clarified their position. he was not paid because he was not able to PROVE that he was no longer a student when he registered. It could also be the case that CW were WRONG to reject perfectly valid proof of graduation. A third party (Max?) would need to see these proofs, and be told why CW rejected them.
This is an important GENERAL point, since other young players are going to be "accused of being a student" and face the burden of proving they are no longer students. Proving a negative is not easy.
The reluctance of CW to increase the minimum age to 21 is NOT shared among others in the industry. There are many other casinos that set 21, rather than 18, as the minimum age, and this is regardless of any local laws that allow gambling from the age of 18. Such casinos offer BETTER protection to 18 to 21 year old students than CW do, since they cannot even REGISTER, let alone "slip through the net" if they don't set off any other "responsible gambling" flags during their play.
This player deposited $5000, so clearly had the "means" whether or not he was a student at the time. His manner of play also meant that CW's systems did NOT flag his $5000 worth of deposits as a sign of an "irresponsible gambling" risk.
What happened when he was first contacted, which we know is POLICY at CW to phone players to "verify their accounts" after the first couple of deposits, let alone $5000 worth. He must have slipped through the net again at this point.
We make no stipulations in our terms for account holders on low income or disability benefits.
So, such player do NOT need the degree of protection granted to students, but are dealt with through other means, including..
In these cases we take an individual approach. It is a delicate subject but we have to ensure that the player is aware of the options that are available to them in terms of reducing their betting and depositing limits, a cooling off period or total self-exclusion.
....but if you are a student, the ONLY "option" is to have your winnings confiscated, even though OTHER "clear breaches of the terms and conditions" can be dealt with in a way that does NOT result in any winnings being confiscated.
Even "bonus abuse" is dealt with by the player getting paid, and THEN being told that FUTURE activity will be without bonuses.
Students who slip through the net needn't have their winnings confiscated, but their accounts put "on ice" with balances intact until they can prove that they have graduated. This would do far more to protect such players:-
1) Keeping the balance "on ice" prevents a student from gambling it elsewhere, but does NOT propel him FURTHER into a possible financial mess caused by the initial deposits having come from borrowing rather than "means".
2) CW keep up it's reputation for "never voiding winnings after having accepted the bets".
3) Students eventually get "means", and can then gamble responsibly.
4) After a period "on ice", they get their money back, and HOPEFULLY will use it to pay off their debts, which they will come to appreciate once they have started work, and realise that all this "free money" they got as a student was not so "free" after all.
My belief that the REASON this particular term was added was NOT about "protecting students", but was driven by the need to "protect the casino FROM students". Other groups are equally vulnerable to irresponsible gambling, but unlike students, they do NOT pose a threat, as a group, to the casino - hence no "policy" regarding their registration & play.
When called to account, the term can be explained by trotting the line "we care about students' financial vulnerability, so don't want to encourage them to gamble".
One only has to look at casinos that DO allow students to play. They squeal like "stuck pigs" because "student syndicates" are taking them to the cleaners. That doesn't sound like it is the STUDENTS that need protection. These other casinos try to have a "one account per college" policy built into the terms about "shared environments", rather than going for an outright ban on students.