These Terms of Use are effective as of March 1, 2007.

1. Definitions

1.1 In these Terms of Use, the following words have the meaning set out beside them:

"Account" means your online stored value account which holds electronic money;

"Fees" means any and all fees and charges levied by PIC-CLUB.COM for your use of the PIC-CLUB.COM Service;

"Member" means any person who meets all eligibility requirements set out in these Terms of Use;

"Merchant" means any commercial or business entity that is validly registered with PIC-CLUB.COM and enabled to receive and send payments to Members;

"PIC-CLUB.COM Service" means the electronic money issuer and transfer service and identity verification service provided by PIC-CLUB.COM;

"PIC-CLUB.COM", "we", "our" means Players Investment Company;

"PIC-CLUB.COM ATM Card" means the automated teller machine card issued by PIC-CLUB.COM for which certain Members may be eligible.

"PIC-CLUB.COM Exchange Rate" means the exchange rate used by PIC-CLUB.COM on all currency exchange transactions as published on our Website;

"Transfer" means, as the context permits, (a) the debiting of an amount of electronic money from your Account and the concurrent crediting of such amount to a Merchant account or other Member account, as designated by you; or (b) the crediting of an amount of electronic money to your Account and the concurrent debiting of a Merchant account or other Member account, in each case less any applicable Fees.

"Website" means the PIC-CLUB.COM website, or such other website through which PIC-CLUB.COM may offer the PIC-CLUB.COM Service from time to time.

2. General

2.1 It is a condition of membership that you agree to these Terms of Use, which form a legally binding contract once you become a Member. We may find it necessary to change the Terms of Use from time to time and will notify you of any changes by posting notice of the changes on our Website with a link to the amended Terms of Use. You may review the current Terms of Use prior to initiating any transaction at any time by clicking on the "Terms of Use" page. The Terms of Use will show the most recent revision date. No revision will affect any transaction that is outstanding as of the date of such revision. Use by you of the PIC-CLUB.COM Service indicates your agreement to these Terms of Use. We encourage you to print a copy of the Terms of Use for your future reference.

2.2 The PIC-CLUB.COM Complaints Procedure, each as amended from time to time, are incorporated into and form part of these Terms of Use:

3. PIC-CLUB.COM Service

3.1 You acknowledge that (I) PIC-CLUB.COM is not a bank; (ii) Accounts are not insured by any government agency.

3.2 You are required to keep a 5% balance in your Account, if you do have a balance in your Account, funds representing that balance are segregated and pooled with funds representing the balances of other Members in an account held by PIC-CLUB.COM in trust. Any interest earned on the pooled account will be the property of PIC-CLUB.COM. In accordance with the policy stated in the Investor/Players agreement, PIC-Club.com may elect to issue dividends from this shared pool.

4. Eligibility

4.1 In order to use the PIC-CLUB.COM Service, you must (i) be at least 18 years of age and of the age of majority, whichever is older, in your country of residence; (ii) open an Account in accordance with the instructions set out in the registration page of our Website; (iii) not be in default of any Terms of Use or otherwise have access limited to your Account, nor have had any previous Account with us terminated by us; and (iv) not be a resident of any state to which PIC-CLUB.COM does not provide the PIC-CLUB.COM Service from time to time as set out in the Non-Serviced State list. You may not open more than one Account and we may terminate any or all of the Accounts of a Member who has, or whom we reasonably suspect has, multiple Accounts.

5. Membership

5.1 To become a Member, you must open an Account by completing all requested information. A Member must maintain an active address, phone number and email address to become and remain a Member. You will not provide any false, inaccurate, incomplete or misleading information. You will not provide any name, bank account or credit card that you are not legally authorized to use. You may not permit any other person to use your Account. You will promptly update your Account details on the Website if your name, address, email address, phone number, credit card or bank account information changes. You will not be able to use the PIC-CLUB.COM Service until you have passed our identity and security validation and verification checks.

6. Account Activity

6.1 By opening an Account, you will be able to, subject to payment of any applicable Fees and compliance with these Terms of Use: (i) purchase electronic money to be credited to your Account so that you may make transfers to, and receive transfers from, Merchants or other Members; and (ii) redeem electronic money from your Account.

6.2 Adding to your Account: In order to purchase electronic money to be credited to your Account, you may choose from one or more payment options available to you depending on your country of residence. You must also complete the information requested, including passing all identity and security validation and verification checks. You authorize us to obtain or receive funds on your behalf from your chosen payment source, plus applicable Fees, and then issue electronic money to your Account.

Notwithstanding the foregoing, certain purchase options entitle you to have us fund electronic money to your Account by debiting an account at your financial institution. In the event we are advised of insufficient funds in such account, we may re-present such uncleared payment at your financial institution up to two more times. In addition we may debit the applicable insufficient funds charge and such uncleared payment from your Account, obtain it from your designated financial institution or otherwise collect it from you.

6.3 Transfers: You may make transfers by completing the information on the “Transferring Funds” page of our Website. In some cases you may be able to make transfers from the website of a Merchant. You authorize us to debit from your Account any applicable Fees at the time of any transfer. When making transfers, you may not designate an amount in excess of the balance in your Account at the time the request is made plus the applicable Fees. If you attempt to do so, your transfer request will be denied.

The amount of any transfer received will be credited to your Account balance, less any applicable Fees. If a transfer credited to your Account is reversed by the sender prior to you transferring or redeeming any part of it, the amount of the transfer will be returned to the sender and no Fees will be owed by you.

6.4 Redemption: You may redeem at par all or a portion of the balance of electronic money in your Account (excluding amounts that have not cleared your financial institution) by selecting one of the redemption methods available to you in your country of residence set out in the "Withdrawing Funds" page of our Website. You will be able to redeem any uncleared amounts once they clear. We will process the redemption request immediately provided all identity and security validation and verification checks are successfully completed, which we will conduct as soon as reasonably practicable. Depending on the method of redemption you choose, a Fee may be applicable which will be deducted from the balance in your Account prior to redemption. You may not redeem funds less than the applicable Fee. We will take reasonable steps to ensure that redeemed funds are received by you within five (5) business days of the redemption request. However, we shall not be liable for delays in the redemption of funds where those delays are caused by any third party involved in the redemption.

6.5 You acknowledge that certain of our electronic money purchase, transfer and redemption options require different types of identity and security validation and verification checks, including use of third party validation and verification systems, and you agree to submit to such identity and security validation and verification checks if you choose such options. You also acknowledge that certain of our electronic money purchase, transfer and redemption options impose certain minimum and maximum limits and these are indicated when you view the various options on the applicable web page on our Website. We reserve the right to impose limits on the purchase, transfer and redemption amounts and frequency you may use such options, and to change such limits from time to time without notice.

7. Fees

You are responsible for the payment of all applicable Fees. Fees are indicated on the applicable web page or prior to your completing a transaction. Fees include our NSF reprocessing charges if there are insufficient funds from your payment source. If you are unclear as to any applicable Fee, please contact our Contact Center prior to completing any transaction. All Fees are due immediately and are subject to change at any time. You are responsible for, and we may deduct from your Account, all costs incurred by us to recover Fees and other amounts that you owe us, including, without limitation, collection fees and legal fees on a solicitor and client basis.

8. Credit Card Fraud and Chargebacks  

Players Investment Company does not tolerate credit card fraud. No expense will be spared and all fraud will be prosecuted to the full extent of the law. In addition, we will pursue civil legal action seeking any loss of income related to the fraud, including business, legal fees, research costs, employee down time and loss of revenues.

We take credit card fraud and frivolous charge backs as a personal attack on our fiscal well-being.

Players Investment Company also considers credit card charge backs to be fraud if you made no reasonable effort to notify us that a problem existed, or to resolve or clarify a situation or matter.

 A simple phone call, email or letter normally resolves any misunderstandings.

All frivolous charge backs not only costs our employees time away from our usual and customary matters of conducting normal business, but costs us money, therefore:

 You agree that by conducting business with Players Investment Company that any legal action resulting from any transaction will be guided by the laws of and take place in the state of Nevada; and,

You agree to reimburse us or any representative we may appoint for any legal expenses your actions may make us incur. We take fraud seriously. If any provision of this Agreement is deemed illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect. The waiver of a breach hereunder does not waive any other or subsequent breach

 Conviction on Credit Card Fraud Carries Penalties of 10 Years Imprisonment and/or a $10,000 Fine! U.S.C. Title 18, Section 3056, Subsection (b), specifically authorizes the United States Secret Service to detect and arrest any person who violates federal criminal laws relating to credit card fraud and related activity in connection with computers and/or access devices. 

 9. Credit Card Chargeback Policy 

 A "chargeback" occurs when a customer disputes a credit card charge. A fraudulent chargeback occurs when a customer attempts to dispute a charge for merchandise or services that they have actually purchased.

Attempting to dispute a valid credit card charge is fraudulent and is illegal. Players Investment Company does not tolerate chargeback fraud, and we follow the following procedure when it takes place:

 If you attempt to dispute or deny a valid charge, we will first contact you directly, because most disputed charges occur as a result of the customer not recognizing our charge on their statement. You will have ten (10) calendar days to reverse your dispute upon receipt of mail or our e-mail.   

 If you do not reverse the dispute or otherwise attempt to resolve the situation, we will file a police report with your local authorities and seek criminal charges against you.

Your account will be turned over to a collection agency, which will initiate collection activities as well as report your account as delinquent to all of the major credit bureaus.

If you still do not resolve the situation by either reversing the dispute  or reimbursing us for the amount disputed plus our bank fees, we will file a civil lawsuit against you for the amount disputed, for bank fees

related to the chargeback, for additional damages for the harm your chargeback causes to our merchant credit record, and for punitive damages as the courts do not take credit card fraud lightly9. Currency

9.1 When you register your Account, you have the option of choosing from a list of currencies for holding any Account balance. The exchange rate applied will be the PIC-CLUB.COM Exchange Rate at the time the processing takes place.

10. PIC-CLUB.COM ATM Cards

10.1 Depending on your country of residence, you may be eligible for a PIC-CLUB.COM ATM card which may be used from certain automated teller machines and point of sale machines throughout the world. To be eligible for a PIC-CLUB.COM ATM card, you must pass the identity and security validation and verification checks applicable to your country of residence. The PIC-CLUB.COM ATM card is not a credit card. You must transfer funds from your Account to the PIC-CLUB.COM ATM card before you are able to use your PIC-CLUB.COM ATM card at ATMs. You can transfer funds to your PIC-CLUB.COM ATM card in the "Withdrawal Options" section of our Website. We may not allow instant transfers to your PIC-CLUB.COM ATM card from certain sources.

10.2 If your PIC-CLUB.COM ATM card is lost or stolen, you must notify us immediately at card@PIC-Club.com or call our Contact Center. It is your responsibility to keep your PIN number confidential, and if we determine that your failure to keep your PIN number confidential resulted in funds being stolen from your PIC-CLUB.COM ATM card, we are under no obligation to refund your Account with the amount stolen. Absent such failure, and provided you notify us immediately if your PIC-CLUB.COM ATM card is lost or stolen, we will refund your Account with the amount lost or stolen from your PIC-CLUB.COM ATM card.

10.3 If you want to cancel your PIC-CLUB.COM ATM card or if you have any questions about your PIC-CLUB.COM ATM card transactions, please contact us at card@PIC-Club.com or call our Contact Center.

10.4 Fees associated with the PIC-CLUB.COM ATM card are set out in the PIC-CLUB.COM ATM card web page on the Website. Dormant card charges are imposed by the PIC-CLUB.COM ATM card processor and are passed through by PIC-CLUB.COM. PIC-CLUB.COM ATM cards are subject to minimum and maximum transfer levels, which can be viewed at the "Withdrawal Options" section of our Website.

11. Reward or Promotional Programs

11.1 From time to time, we may offer reward programs or other promotional programs, such as the PIC-Club Reward Program. We reserve the right to cancel or amend the terms of any such reward or promotional program at our discretion.

12. Other Member Obligations

12.1 You are prohibited from engaging in any of the following:

(i) using the PIC-CLUB.COM Service to obtain a cash advance from your credit card ( or assisting others in such activity); (ii) using the PIC-CLUB.COM Service for any purpose contrary to laws, statutes or regulations applicable to you, including without limitation, those concerning money laundering, fraud, criminal activity, financial services or consumer protection; (iii) sending unsolicited email or similar methods of mass messaging (spam); (iv) harassing or engaging in obscene, rude or abusive behavior against us or any of our representatives; and (v) tampering, hacking, modifying, damaging, interfering with or otherwise corrupting the security or functionality of the PIC-CLUB.COM Service, or attempting to do any of the foregoing.

12.2 It is your responsibility to keep your Account identification, secure identification, password, security questions and answers and other information specific to your Account confidential and in a safe and secure place. This includes ensuring the ongoing security of your login details on your personal computer device for accessing the Internet. Should another person gain access to your Account by passing all identification and security validation and verification checks, we are entitled to treat any transaction conducted by that person as valid and are not responsible under any circumstances for any loss or damage you may incur as a result.

12.3 You are fully responsible for any goods or services bought by you that are settled through your use of the PIC-CLUB.COM Service. Any dispute with a Merchant regarding any product or service bought by you through the PIC-CLUB.COM Service is between you and the Merchant and you agree that PIC-CLUB.COM shall not be a party to such dispute.

12.4 You are fully responsible for the instructions you give PIC-CLUB.COM and as a result we may not be able to detect errors in your payment instructions. PIC-CLUB.COM does not provide any warranties, representations, conditions or guarantees with respect to such goods and services.

12.5 You acknowledge and agree that except for Merchant error as confirmed by us, illegal activity involving your Account, or any breach by you of our Terms of Use, all electronic money purchases, transfers or withdrawals into or out of your Account are final and not reversible.

12.6 You acknowledge that your intended recipient of a transfer is not required to accept the transfer. If an intended recipient declines a transfer, your Account will be re-credited with the amount of the transfer and no Fees will be charged.

13. Privacy

13.1 Your acceptance of our Privacy Policy at the time of your enrollment as a Member forms part of these Terms of Use and we would ask you to review the Privacy Policy prior to agreeing to these Terms of Use. Any person who enters the correct account and security information relating to the Account and who otherwise passes our identity and security validation and verification checks will be able to access your Account. Therefore, in order to safeguard the privacy of your Account and personal information, you should not divulge your password or other security information to anyone else. You are solely responsible for safeguarding your password and other security information. You may not use anyone else's password or security information to gain access to another Account.

13.2 You acknowledge and accept that: (i) when speaking to customer service agents at PIC-CLUB.COM, your call is monitored and/or recorded for quality assurance, training and security protection purposes; and (ii) for fraud and security purposes your records are kept by PIC-CLUB.COM even after your Account is terminated.

14. Limiting Access or Terminating your Account

14.1 At our discretion, we may suspend or limit access to your Account (including without limitation, placing a hold on funds in your Account, limiting your ability to send or redeem, transfer or withdraw electronic money from your Account, limiting your payment sources) or terminate your Account, at any time and for any reason, including but not limited to the following:

(a) Breach of any of these Terms of Use;

(b) If we have reasonable grounds to believe that your Account has been used in connection with unauthorized or unusual credit card or bank account use, including without limitation, notice of same by your bank or credit card issuer;

(c) Abuse by you of the reversal or charge back process provided by your bank or credit card company;

(d) Receipt in your Account of potentially fraudulent funds;

(e) Refusal to cooperate in an investigation or to provide adequate confirmation of identity or other identity or security information when requested;

(f) Initiation of transactions that may be considered to be cash advances or assisting in cash advances;

(g) We believe your Account has been used or allegedly used in or to facilitate fraudulent or illegal activity;

(h) Return of a payment for insufficient funds in the bank account;

(i) We believe that your Account, whether active or dormant, or your conduct, poses a security, credit, fraud or business risk to us; and

(j) To comply with money laundering or terrorist financing investigations conducted by government authorities, agencies or commissions.

14.2 If we terminate your Account, we will notify you either by phone or email according to the most recent phone number or email address that you have provided us with in order to send you any unrestricted or undisputed funds in your Account (being funds not involved or otherwise connected with the circumstance giving rise to the termination).

14.3 If you do not access your Account for a period of two (2) years, it will be terminated. After termination, we will notify you at the last address you provided to try to send you any unrestricted or undisputed funds in redemption of the funds in your Account. If that information is not correct and we are unable to complete the payment to you, the electronic money credited to your Account will be forfeited to PIC-CLUB.COM as of 12 months following the date your Account is terminated.

15. Warranties, Liabilities and Disclaimers

15. PIC-CLUB.COM reserves the right to validate and verify any of the information you provide with third parties at any time.

15.2 Without limiting section 6, PIC-CLUB.COM shall make reasonable efforts to ensure that requests for debits and credits involving bank accounts and check issuances are processed in a timely manner. However, a number of factors, several of which are outside of our control, will contribute to when the processing will be completed. We make no representations or warranties regarding the amount of time needed to complete processing, such as delays in the banking system or your local mail service. We make no representations or warranties as to continuous, uninterrupted or secure access to the PIC-CLUB.COM Service, which may be affected by factors outside our control, or may be subject to periodic testing, repair, upgrade or maintenance.

15.3 We assume that prior to opening your Account, you have determined that opening and maintaining your Account does not violate any law or regulations in your country of residence and jurisdiction. You warrant that you are not violating any laws or regulations by your use of the PIC-CLUB.COM Service and you agree to indemnify PIC-CLUB.COM, its affiliates, subsidiaries, agents and subcontractors, from and against any and all liability that might arise from your use of the PIC-CLUB.COM Service in violation of any law or regulation.

15.4 WE MAKE NO EXPRESS WARRANTIES, GUARANTEES OR CONDITIONS TO YOU WITH RESPECT OT THE PIC-CLUB.COM SERVICE EXCEPT AS SET OUT IN THESE TERMS OF USE, AND ALL IMPLIED AND STATUTORY WARRANTIES AND CONDITIONS, INCLUDING WITHOUT LIMITATION ANY WARRANTY OR CONDITION OF FITNESS FOR A PARTICULAR PURPOSE, OR OF MERCHANTABLE QUALITY, OR OF COMPLIANCE WITH ANY DESCRIPTION, ARE HEREBY EXPRESSLY DISCLAIMED.

15.5 Neither PIC-CLUB.COM nor any of its affiliates, subsidiaries, agents or subcontractors shall be responsible for any claim, loss or damage suffered or incurred by you or any third party unless it has been caused as a direct result of our negligence or willful misconduct; provided that under no circumstances shall PIC-CLUB.COM, its affiliates, subsidiaries, agents or subcontractors be liable for any claim, loss or damage caused or alleged to be caused by any of the following(a) Errors made by you or any Merchant or other Member in sending or receiving transfers or withdrawals, such as making a transfer to an unintended person or transferring an incorrect amount;

(b) Use of your Account by another person who passes all identity and security validation and verification checks;

(c) Failure by you to use up to date virus scanning software and firewall protection on the computer or other device you use to access the Internet;

(d) Any fraud or misrepresentation made by a Merchant or Member, even if the Merchant or Member passes all identity and security validation and verification checks;

(e) Errors or omissions in our Website content;

(f) Misuse or inability to use our Website, whether due to reasons within our control or not;

(g) Delays, losses, errors or omissions caused by the failure, interruption, infiltration or corruption of any hardware, software or other telecommunications or data transmission system;

(h) Interception or seizure compelled by law; and

(i) Circumstances beyond our reasonable control.

15.6 IN NO EVENT SHALL PIC-CLUB.COM OR ITS AFFILIATES, SUBSIDIARIES, AGENTS OR SUBCONTRACTORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR INCIDENTAL DAMAGES, WHETHER BASED ON NEGLIGENCE, WILLFUL MISCONDUCT, TORT, CONTRACT (INCLUDING WITHOUT LIMITATION FUNDAMENTAL BREACH OR BREACH OF A FUNDAMENTAL TERM) OR ANY OTHER THEORY OF LAW, OR FOR ANY DAMAGES FOR LOSS OF DATA, LOSS OF INCOME, FAILURE TO REALIZE EXPECTED REVENUES OR SAVINGS, LOSS OF PROFITS OR ANY ECONOMIC OR PECUNIARY LOSS.

15.7 We disclaim any and all liability for any goods or services bought or sold by you that are settled through your use of the PIC-CLUB.COM Service.

15.8 You agree to indemnify PIC-CLUB.COM, its affiliates, subsidiaries, agents and subcontractors from and against any and all claims brought by third parties against PIC-CLUB.COM, its affiliates, subsidiaries, agents or subcontractors relating to your use of the PIC-CLUB.COM Service in respect of all claims, losses, damages, expenses and liabilities whatsoever suffered or incurred by PIC-CLUB.COM, its affiliates, subsidiaries, agents or subcontractors as a result of your breach of these Terms of Use.

15.9 PIC-CLUB.COM retains all right, title, and interest in and to all trademarks, trade names, logos, website designs, text, content and graphics, and any use, reproduction, modification, distribution by you is prohibited.

16. Complaints Procedure

16.1 We refer you to the PIC-CLUB.COM complaints procedure for any complaint or dispute you may have concerning your Account.

16.2 You agree to waive any right you may have to commence or participate in any class action suit or proceeding against PIC-CLUB.COM, its affiliates, subsidiaries, agents and subcontractors arising out of or relating to any dispute, claim or error and you also agree to opt out of any class proceedings against us.

16.3 We encourage you to inspect your Account history online and to print a copy of all transaction data for future reference. If your Account history shows transactions that you did not make or authorize, notify us at once.

17. General

17.1 PIC-CLUB.COM may engage the services of one or more affiliates, subsidiaries, agents or subcontractors in order to fulfill its obligations.

17.2 These Terms of Use shall be governed by the laws of Costa Rica. All disputes arising out of or relating to these Terms of Use shall be resolved by the Courts of Costa Rica.

17.3 We may send communications and notices to you at the email address or postal address you provided to us during the registration process (or as updated subsequently by you). Any and all communications and notices by either party under these Terms of Use by email shall be deemed given on the day the email is sent, unless the sending party receives an electronic indication that the email was not delivered; and if by mail, shall be deemed given ten (10) business days after the date of mailing.

17.4 These Terms of Use are subject to amendment, modification or deletion if required by, or found to be in conflict with, applicable law or regulation, without affecting the validity or enforceability of the remaining terms and conditions. These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersede and replace any and all prior agreements. In the event of inconsistency between this version of the Terms of Use and the version online at http://www.PIC-Club.com the online version will prevail.

17.5 Our failure to exercise or enforce any right under these Terms of Use shall not be deemed to be a waiver of any such right or operate to bar the exercise or enforcement thereof at any time or times thereafter.

17.6 The rights and remedies available to PIC-CLUB.COM in these Terms of Use are cumulative and are in addition to any other right or remedy available to PIC-CLUB.COM at law or in equity.

17.7 You may not transfer, assign, subcontract or delegate your rights, duties or obligations under these Terms of Use. We reserve the right to assign all or any part of our rights, duties and obligations under this Agreement, including the assignment of contractual position or any other form of substitution of PIC-CLUB.COM by another party, which assignment you hereby irrevocably and unconditionally consent to.

USPPINC/PIC-CLUB.COM COMPLAINTS

This document was last updated on 01/07/2007.

1) Introduction

Players Investment Company or PIC-Club.com. This document explains how you can make a comment or raise a complaint against any aspect of the PIC-CLUB.COM service.

PIC-CLUB.COM is committed to providing a high standard of service to all members on every occasion. Occasionally, however we may not live up to your expectations.

If you have a complaint about any aspect of PIC-CLUB.COMS service then we would like to hear from you. You can contact us by telephone or in writing, by post, e-mail or fax.

Your first point of contact should be with PIC-CLUB.COM Customer Services who will listen to your complaint and work with you to resolve it. PIC-CLUB.COM has established an internal complaints procedure to make sure that your complaint is handled efficiently. Contact details are provided at the end of this document.

PIC-CLUB.COM takes your comments seriously. They allow us to improve our service to you and help us to improve our products and services to all members. If you think that we could have served you better then please let us know.

2) Information you need to give us

To make sure that your complaint can be investigated and resolved as quickly as possible, please make sure you give us the following information:

Your name, address and account reference number

A clear description of your concern or complaint

Details of what you would like us to do to put it right

Copies of any relevant documents (for example emails sent by or to you)

An email address and a daytime telephone number where we can contact you.

PIC-CLUB.COM will work with you to try to resolve your complaint immediately. We need to understand exactly what the problem is - the more information you can give us the better.

3) What PIC-CLUB.COM will do

Sometimes we will not be able to resolve your complaint or concern immediately. If we can not and if we have not already contacted with our proposal for resolving it, we will:

Acknowledge your complaint by email within 5 working days

Let you know who will handle your complaint, and how you can contact them.

If your complaint is complicated it could take longer to resolve. If this is the case we will keep you informed of progress as we continue our investigations. We will aim to resolve your complaint within four weeks. However, if we cannot do this, we will email you an update at that time to explain what’s happening, and to let you know when we expect to resolve your complaint. When we believe that we have resolved your complaint, we will email you with details of the actions we are proposing, or have taken.

PIC-CLUB.COM tries to resolve all complaints as quickly as possible, and to the satisfaction of our members. If you are not satisfied with the outcome of your complaint then you should get in touch directly with the person who has handled it. They will agree with you what next steps can be taken.

4) PIC-CLUB.COM Complaints Procedures

If you would like a copy of PIC-CLUB.COMs Internal Complaints Handling Procedures then please request a copy from complaints@picclub.com

5) Contact us

a) If you have any questions

If you have any questions then please contact PIC-CLUB.COM Customer Services.

Customer service is available 24 hours/day 7days/week via email or telephone.

You can contact us via e-mail at support@picclub.com, or call Costa Rica 506-263-2902 b) If you want to make a complaint

If you wish to make a complaint please make sure that you provide as much detail as possible and contact PIC-Club.com directly:

By letter at:

Complaints

Players Investment Company 
PO Box 881162
Port St. Lucie, Florida
34988-1162

By phone at:
Costa Rica 506-263-2902

By E-mail at:
complaints@picclub.com

FINANCIAL DISCLAIMER PIC-Club.  

 BANKROLL SHARES PURCHASE AGREEMENT

THE AGREEMENT is made and entered into by and between PIC-Club. (the "CORPORATION"), and an individual Investor/Player (the "PURCHASER"). THE PARTIES AGREE AS FOLLOWS:

1. SALE OF SHARES IN THE PIC-Club BANKROLL. The CORPORATION hereby agrees to sell to the PURCHASER and the PURCHASER hereby agrees to purchase SHARES IN THE CORPORATION'S BANKROLL. Shares are currently valued at $1.00 USD each.

2. CLOSING Upon execution of this AGREEMENT, the CORPORATION shall deliver a duly issued electronic certificate for the SHARES to PURCHASER'S Shares Account and PURCHASER shall deliver the agreed upon sum of U.S. dollars (or their equivalent) to CORPORATION.

3. LIMITATION ON TRANSFER After initial purchase of the shares, PURCHASER agrees that s/he shall have no right to transfer said shares to anyone or thing EXCEPT back to the CORPORATION. PURCHASER may exercise this right of redemption at any time and the CORPORATION agrees to re-purchase said shares at such time. IF CONTRACTOR IS ALSO OPERATING A PLAYER'S ACCOUNT THE SALE OF SHARES BACK TO THE CORPORATION IS LIMITED TO THE EXTENT THAT CONTRACTOR MUST LEAVE AT LEAST THE NUMBER OF SHARES IN HIS/HER CSA AS SPECIFIED IN THE PLAYERS CONTRACT. IF THIS CONDITION IS NOT MET CONTRACTOR'S ACCOUNT(S) WILL BE CLOSED.        

4. VALUE AT TIME OF SALE BACK TO THE CORPORATION The CORPORATION shall, in December of each calendar year, adjust the value of the shares, or provide for dividends, or do a splitting of the shares so as to increase the overall value of said shares, or provide for some other benefit as the case may be. Shareholders may take advantage of this December increase only as allowed in the following Vesting Schedule. Shareholders may always sell their shares back to the CORPORATION for their original purchase price. To prevent "stock dumping" however, a shareholder will only be able to sell the shares (or collect dividends or other benefits) pursuant to Section 8 of PIC-Club U. S. Agreement for Contract Player

5. INVESTMENT REPRESENTATIONS.

PURCHASER represents and warrants to the CORPORATION that:

a. PURCHASER is aware of the CORPORATION'S business affairs and financial condition and has acquired sufficient information about the CORPORATION to reach an informed and knowledgeable decision to acquire the SHARES. PURCHASER has received all information from the CORPORATION that PURCHASER has requested and deems relevant to an evaluation of the risks and merits of this investment. PURCHASER has such knowledge and experience in financial and business matters that PURCHASER is capable of evaluating the merits and risks of investment in the SHARES. PURCHASER is purchasing the SHARES for investment for his/her own account only and not with a view to, or for resale in connection with, any "distribution" within the meaning of the Securities Act of 1933, as amended (the "SECURITIES ACT").

b. PURCHASER understands that an investment in the CORPORATION'S SHARES is speculative, that any possible benefits from the investment are uncertain, and that PURCHASER must bear the economic risks of the investment in the Shares for an indefinite period of time. PURCHASER is able to bear these economic risks and to hold the SHARES for an indefinite period of time.

c. PURCHASER acknowledges and understands that the SHARES represent a percentage of an overall investment bankroll. Control of the individual shares rests with PURCHASER, but control of the overall bankroll rests with the CORPORATION. PURCHASER understands that the operating expenses of the CORPORATION shall be taken from the overall bankroll. PURCHASER further understands that the CORPORATION may make investments in commodities and/or direct investments in players by funding said player's participation in poker tournaments. Any other investments by the CORPORATION from the bankroll shall be announced in advance at such time as the CORPORATION may see fit, but with sufficient opportunity for Purchaser to redeem shares if desired. CORPORATION warrants that at no time will it make such investment(s) unless the overall bankroll exceeds the purchase value of all outstanding shares.

6. General Provisions.

6.1. Governing Law/Entire Agreement. The laws where CORPORATION is incorporated, shall govern this AGREEMENT. This AGREEMENT represents the entire agreement between the parties with respect to the purchase of Shares by PURCHASER and may only be modified or amended in a writing signed by both parties.

6.2. Notices. Any notice, demand or request, required or permitted to be given by either the CORPORATION or PURCHASER pursuant to the terms of this AGREEMENT shall be in writing and shall be deemed given when delivered personally, or when sent by electronic mail to the e-mail addresses of the parties as set out in the final section of this agreement.

6.3. Severability. In case any provision of this AGREEMENT shall be invalid, illegal or unenforceable, such provision shall be modified to the minimum extent necessary to make such provision enforceable, and the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

IN WITNESS WHEREOF, the parties have duly executed this AGREEMENT effective as of the date first set forth above.