Allbet.ag Terms
Important Notice
AllBet takes measures to ensure that we, and you the member,
comply with all applicable laws in your country. It is important that
you review the following additions to our Terms and Conditions.
In playing with AllBet you accept and agree to our Terms and
Conditions as outlined below.
In playing on the AllBet Website you are declaring to us that you
are 18 years old or older. If the age limit for gambling in your
country is greater than 18 years you declare that you are greater
than the minimum age. Minors are not permitted to play at AllBet.
It is your responsibility to find out what the online gaming laws are
in your country prior to registering with AllBet, or placing a wager.
AllBet will not claim responsibility if you live in a prohibited
territory not listed in these Terms and Conditions.
Players should also be aware that some countries require that
taxes be paid on all winnings. It is your responsibility to address
this locally with the applicable authorities to see whether you are
liable to pay tax. If you are, please act accordingly.
Terms and Conditions
By accessing the AllBet website and by registering through our
site to participate in any of the interactive online games
(collectively the ‘Games’), you agree to be bound by these terms
and conditions (the ‘Terms’). Please read them carefully and
make sure that you only access the games if you fully understand
the contents and agree to be bound by them.
You must comply at all times with the laws in force in the country
or jurisdiction where you are located and/or resident. To
participate in any Games, irrespective of where you are playing,
you must be at least 18 years old to play.
General
In these Terms, any reference to ‘we’, ‘us’, and/or “AllBet”
means a reference to AllBet.
The Terms govern the relationship between you and us and
the terms upon which you place wagers using our service.
You must register with us in accordance with clause 2 in order
to use our service and to play any of the Games. As part of the
Terms, you must abide by the rules for each of the Games.
You may place wagers within our site, or via telephone.
Late bets are not allowed in any quarters, halves , innings , periods .
All Quarter bets are null and void if wagered on within 3 minutes before the quarter end.
All Halves bets are null and void if wagered on within 10 minutes before the game ends.
Any Innings from 1-9 will be null and voided if wagered on within the last remaining strikeouts . ( IE: one more strike and inning is over. )
Each Period wagered on is null and voice if wagered in 3 minutes before the end of the period.
In any sport , wagers are null and void if wagered within 10 minutes before the game end.
All bets and winnings placed with any sort of system glitch exploitation will result in an immediate account suspension. Funds of which will be forfeited and winnings voided.
Registration
You must choose a unique username and password for the
use of your account (see clause 5) to enable you to play the
Games once you have registered. These must be kept secret and
confidential by you. We will treat as valid all wagers placed using
your username and password and consider them to have been
made by you.
You agree to be solely responsible for all use of our site or
playing of the Games through the use of your username and
password. You agree to indemnify AllBet and keep AllBet fully
indemnified for any and all loss, liability, damage, costs, claims,
and expenses resulting from such use and/or playing, excluding
loss, damage, or claims resulting from our liability under clause
8.1.
You may not transfer, sell, or pledge your account to another
person. This prohibition includes the transfer of any assets of
value of any kind, including but not limited to ownership of
accounts, winnings, deposits, bets, rights and/or claims in
connection with these assets, legal, commercial, or otherwise.
The prohibition on said transfers also includes however is not
limited to the encumbrance, pledging, assigning, usufruct, trading,
brokering, hypothecation, and/or gifting in cooperation with a
fiduciary or any other third party, company, natural or legal
individual, foundation and/or association in any way, shape, or
form.
In order to register with our site or to participate in any Games
in any way you must be not less than 18 years old and have
completed our registration form providing details of your identity
and place of residence. Additionally, a valid email address is
required at the time of withdrawal and it is the sole responsibility
of the account holder to see that this information is kept current.
We withhold the right, at our own discretion, to conduct checks
against your registered details to ensure that this is the case, and
we shall be entitled to demand further evidence as to your age at
any time in the future and to suspend and/or terminate your
registration if we believe that you are not at least 18 years old.
AllBet withholds the right to take any and all actions necessary to
exclude persons who are not 18 years old from accessing any site
operated by AllBet. Persons under the age of 18 years will not be
entitled to collect any winnings. Any person under the age of 18
who accesses AllBet is committing fraud and may be subject to
criminal sanctions.
If you are one of our employees or an employee of our parent
company or one of our licensees, software suppliers, and
developers, affiliated or subsidiary companies, you are not
permitted to register with us or to participate in any of the Games.
Any person found to have violated this section will not be entitled
to collect any winnings.
We withhold the right to refuse to register you or to suspend
and/or terminate your registration or account at any time at our
absolute discretion. In addition, we withhold the right to refund or
withhold any balance on an account at our absolute discretion if
suspicion or evidence of manipulation of our financial system or of
your or another customer’s account arises or if we have
reasonable grounds for believing that you are using our service
contrary to the purpose for which it was intended or for committing
any offense. At your written request we will advise the reasons for
the suspension or termination of your account.
In particular, but without prejudice to the generality of clause
2.5, we withhold the right to suspend and/or terminate your
registration or account in the event that you cause to be published
on, and/or sent via, our site or by playing on any of the Games
any actual or potentially defamatory, offensive or obscene
language or material. This clause 2.6 applies also to your choice
of a user name and to any breach by you of our privacy policy
(please see section 7 below).
If your registration is terminated or suspended, we withhold
the right to determine whether to declare as void any wagers
placed by you subject to any review by the authorities in
Netherlands Antilles.
You must ensure that your personal details are kept accurate
on our system. If you have moved or your personal information
has changed, please contact customer service. You must update
your personal details as necessary.
It is your responsibility to ensure that at all times you comply
with all laws and regulations in any country or jurisdiction where
you are located or reside and that you have complete and
unrestricted legal right to use this service and play the Games. If
you live in any country where Internet wagering is prohibited, you
must not register with us or attempt to participate in any of the
Games. Persons found to have violated this section will not be
entitled to collect any winnings.
Copyright Regulations
All material on our site, including but not limited to images,
pictures, graphics, photographs, animations, videos, music, audio,
text, and the Software (as defined in clause 4.1) belongs to us
and is protected by copyright law. Materials supplied by referral
companies and partner websites are also covered by such law,
although AllBet accepts no responsibility or liability for any
material on those websites. You may not distribute, exchange,
modify, sell, or transmit anything you copy from our site for any
business, commercial or public purpose, and such use is strictly
forbidden. Unauthorized use of content is a violation of the law.
Subject to our compliance with our data protection obligations
under Section 7, by posting material on our site or by
communicating with us or other players by e-mail or otherwise,
you are deemed to give us a worldwide, royalty-free, assignable,
sub-licensable, perpetual, irrevocable and non-exclusive license
to use, reproduce, modify, adapt, frame, brand, co-brand,
distribute and publish such material in any media form now known
or later developed.
License to Use
We grant you a personal, non-exclusive, royalty-free, non-assignable, and non-transferable license to use the software for
the Games (the ‘Software’) strictly for participation only in the
Games in accordance with the Rules. You may use the Software
on any computer at which you are the primary user and provided
always that you comply with these Terms, in particular sections
2.3 and 2.9 above.
You may not sub-license, nor assign or transfer this license,
nor rent or lease any portion of our site or of the Games. You may
not reverse engineer, decompile, disassemble, modify, translate,
or make any attempt to discover the source code of the Software
or any material on our site or used for any of the Games.
Commercial use of our site and any of the Games is strictly
forbidden. You are only allowed to place wagers on the Games for
your own personal entertainment.
You fully accept that all computer instructions and responses
sent over the Internet to and from us and/or through use of the
Software will be binding on you.
Your Account
In order to place any wagers on any of the Games, you must
open and maintain an account with us. We withhold the right to
subcontract our obligations to provide you with such an account to
third party electronic financial transaction service providers
(‘Electronic Service Providers’). You irrevocably authorize us to
instruct such Electronic Service Providers to handle account
deposits and withdrawals from your account and you irrevocably
agree that we may give such instructions on your behalf. Prior to
appointing an Electronic Service Provider we shall notify you in
writing and give you the opportunity to close your account if you
do not wish to transact with it.
Only wagers placed from your Accounts set up through AllBet
will be accepted for the Games and any winnings you make on
the Games will be credited into your Account. Even if you have
opened an account through another website, you will still need to
open a separate one through AllBet for placing wagers on any of
the Games.
We withhold the right to withhold payment of any funds if we
suspect or have evidence of manipulation of our financial system
or of your or another customer’s Account. We may also withhold
payment if we have reasonable grounds for believing you are
using our service for purposes other than that for which it was
intended or that you are committing any offense or if we
determine that you have breached these Terms. Charges and
proceedings may be brought against you or any other person who
has manipulated or tried to manipulate, our service, any of the
Games or your or any other customer’s account(s) and we
withhold the right to report you to the relevant regulatory
authorities if we become aware or suspect that you are involved in
any such activities.
We withhold the right to terminate your account at any time at
our absolute discretion in the event that wagers have been placed
in an attempt to defraud AllBet or made by or contracted by any
bookmaker or gambling syndicate in an attempt to maximize
payouts on our Games. Further, we withhold the right to withhold
all winnings, as well as the principle, of anyone found to have
taken part in such activities.
You must comply with the all Information & Instructions
whenever you deposit or withdraw amounts from your AllBet
Account. The minimum withdrawal on any single occasion shall
not be less than $50. Please note that some withdrawal methods
provided by AllBet are subject to a payout fee. Fees will vary
depending on your desired payout method.
After the first deposit, a processing fee will be applied to all
card deposits.
We will only accept funds for deposits into your account where
the funds are traceable. The minimum sum that you may deposit
on any single occasion is $50. If we become aware or have
reason to suspect that a transaction is suspicious and may
involve money laundering or something similar to money
laundering then we withhold the right to retain the amount of that
transaction and any other transaction made by you and to report
the transaction to the relevant regulatory authorities.
It is the responsibility of the account holder to ensure that all
deposits to their account are collected by the merchant. Failure to
repurchase any deposits that go uncollected in a timely manner
will result in the account being suspended and subject to
collections. Any winnings in an account with uncollected deposits
will be voided. All funds in any account that is linked to, or
associated with, a delinquent account, as determined by the
merchant in their sole discretion, are subject to forfeiture.
The balance held in your Account will not bear interest in your
favor.
You must maintain your Account in order to place wagers in
any of the Games. We withhold the right to refuse or limit any
wager(s) and in the event, you are not allowed to place a wager
greater than the amount of credit in your Account (after taking into
account all previous wagers).
Usage of the opt-out facility will result in your account being
blocked and AllBet will not accept wagers from this account. Any
account that is blocked through the use of the opt-out facility
cannot be reactivated for at least seven days.
Subject to clause 5.4 when you close your Account you will
be entitled to the returnable funds in it subject to any bank
charges applicable should you request expedited payment.
Should your account remain dormant for a period of more than six
months with a balance of less than $1 we shall be entitled to close
the account and retain such balance as a contribution towards our
administration costs.
If, as part of a promotional campaign or competition, we
credit an amount to your Account registered in your name, you
can only use such amounts as wagers for playing in the Games.
You are not entitled to withdraw such amounts and we withhold
the right to reclaim those amounts if you do not use them to play
the Games during the period specified in the promotion.
To maintain a high level of security to protect your funds, we
will perform random security checks and keep records of
transactions and wagers. You accept that we may demand
additional documentation to verify you as the account holder in
the event of a security check.
If any of your personal account details or other financial
information relevant to your Account are incorrect, you must
inform us immediately, as failure to do so may result in
transactions being declined by your financial institution. We will
not accept any liability or responsibility for transactions, which are
declined as a result of incorrect details where you have failed to
make us aware of any changes/correct details. Should your credit
card be lost or stolen, you are required to notify AllBet
immediately.
In order to make a withdrawal, verification of identity is
required in the form of an account number, password & a valid
email address. Customers who choose to use credit cards to fund
their AllBet account will be required to submit documentation to
support ownership of each credit card used.
‘New user’ means a person signing up for the first time. Their
email address or home address must not already exist anywhere
on our database. If a previous record of a user’s details (even a
partial record) exists on our database, we may deem that user
ineligible for ‘New user’ promotions and any relevant additional
credit.
ALL credit into accounts from premium rate telephone PINs
must be played or wagered on our games before any attempt is
made to ‘cashout’ or make a ‘payout request’. Users crediting
their accounts and then attempting to cash out all, or a large
proportion, of this credit before wagering or staking it on our
games will be deemed to be using their funds ‘inappropriately’
and may have their accounts locked, preventing further activity.
These users will have their accounts analyzed and we may,
where we deem it necessary, pass on these details to the
appropriate authorities for further investigation.
Unless otherwise stated, ‘free money’, ‘additional credit’ or
‘refund’ promotions will only be valid where the user credits the
requisite amount to qualify for the promotion by credit or debit
card and NOT by premium rate telephone PINs. Also, If you are a
recipient of any non-deposit compensation, you are entitled to
max cash out of five times the amount after the RO is complete
unless otherwise specified. We withhold the right to withdraw or
deny any non-deposit compensation at our discretion. Please
speak to a manager to see if this rule applies to you.
In the case where a “Wager Back” promotion is extended to
a AllBet customer, the wager back refund amount takes the form
of an up to $500 free play with a 3-time rollover based on real
money losses on the agreed straight bet or totals type wager.
Must complete all combined rollover requirements before a
payout. Wager Back promotions are not automatically offered to
any AllBet customers at any time and are extended only on a
case by case basis. Clients are responsible for calling in and
claiming the agreed-upon “Wager Back” after the original game is
graded.
Use of Bots is Prohibited. You agree not to use or launch
any automated system, including but not limited to “robots,”
“spiders,” “offline readers,” “load testers” or otherwise interact with
the AllBet Platform in a manner that a human could not
reasonably produce. AllBet may, without notice, suspend or
permanently close any account(s) associated to this type of
activity. All account balances (made up of deposits, bonus money
and winnings) will be forfeited. AllBet will not be liable to you or
any third party for compensation, indemnity, or damages of any
sort as a result of changing, suspending or terminating your AllBet
account in accordance with these Terms.
While we strive to maintain a secure platform, we cannot be
held responsible for any damages, losses, or liabilities arising
from phishing incidents experienced by our clients. It is the sole
responsibility of the client to exercise caution and ensure the
security of their personal information. In the event that a client
becomes a victim of a phishing attack while using our platform,
we encourage them to promptly report the incident to our support
team. We will review the case and provide any necessary
assistance or guidance to the best of our abilities. While we will
make reasonable efforts to review the reported phishing incident,
we cannot guarantee a specific outcome or resolution. The nature
of phishing attacks often involves external factors beyond our
control, and we cannot be held liable for the actions or
consequences caused by the phishing attacker.
Allbet Prohibits any use of VPN, IP address hiding or masking services while in use of our platform. If client found to be using any type of these services, Allbet reserves the right to ban the player and void the balance in full.
Rules Governing All Games
You agree that you are more than 18 years old and that you
will at all times comply with all standards and/or laws in any
country or jurisdiction where you are located and/or resident.
You fully accept and agree that random number generator
software will determine the outcome of the Games.
You agree not to interrupt or attempt to interrupt the operation
of our site or of the normal playing of any of the Games.
We withhold the right to refuse the whole or part of any wager
at our discretion.
Wagers will be valid subject to these Terms if accepted by our
gaming server.
You agree that AllBet and our records shall be the final
authority in determining the terms of any wagers you place and
the circumstances in which they were made.
You shall not allow any other person or a third party, including
without limitation any person under the age of 18 years, to use or
re-use your account or your username and password, accept any
prize or participate in any of the Games in such a way that may
breach the standards or laws in any community or jurisdiction
where you are located and/or reside or such other person is
located and/or reside. Any person found to have violated this
section will not be entitled to collect any winnings and may be
reported to the relevant authorities.
Any applicable taxes and fees in connection with any winnings
awarded to you are your sole responsibility. Winnings cannot be
transferred, substituted, or redeemed for any other winnings.
You acknowledge that full freedom from errors and
incompleteness is impossible to achieve with respect to computer
software. If you become aware that the Software contains any
error, or is incomplete, you shall promptly notify AllBet by
telephone upon becoming aware of such error or incompleteness.
You undertake to refrain from taking any advantage whatsoever of
that error or incompleteness and we withhold the right to recover
any such advantage that you do gain from such error or
incompleteness, as well as all associated costs, damages and
expenses in making such recovery.
Data Protection and Privacy
AllBet understands the need to protect your privacy. All
information that you provide to AllBet will be processed in
accordance with standards of a level similar to those imposed by
the European Union on data protection.
By disclosing your personal information to AllBet you consent
to the collection, storage, and processing of your personal
information for the purposes of processing any transactions
undertaken by you, for internal administration and analysis. Your
information shall only be disclosed to third parties for the purpose
of completing your transactions with AllBet, providing services to
you, and for internal administration and obtaining professional
advice.
The Internet is a global environment and so using the Internet
to collect and process personal data unavoidably involves the
transmission of data internationally. By registering with our service
and communicating electronically with us you acknowledge and
agree to our collecting and processing personal data in this way.
To provide you with a better service, AllBet will collect
information about you when submitted and by analysis of your
activity on our site, including by the use of cookies. You will be
given the opportunity to request AllBet not to use this information,
except insofar as such information relates to the use of
information collected in accordance with clause 7.2. If you do not
so request, AllBet and our associated companies may use this
information to inform you about changes to our site, new services,
and promotions that you may find interesting.
We withhold the right to access and disclose individually
identifiable information to comply with all applicable laws and
lawful government and/or regulatory requests (including requests
from the statutory authorities in Gibraltar) to operate our systems
properly or to protect AllBet and our other users.
We withhold the right to access and disclose individually
identifiable information to verify the authenticity of the information
supplied by you.
For information on GDPR compliance of our card processor.
Call to find out more!
Our Liability
Except in the case of manifest error or neglect on our part,
AllBet accepts no responsibility and shall not be liable for any
consequences that have occurred through your use, or misuse, of
our service.
Subject always to clause 8.1, AllBet shall not be held liable or
responsible for any consequences that occur through your use of
our service where the circumstances that caused such
consequences were beyond our reasonable control, including any
loss or damage that has arisen through our site or our service or
their content, including delays or interruptions in operation or
transmission, loss or corruption of data, communication or lines
failure, any person’s misuse of our site or any error or omission in
the content.
Our service is provided without any express warranties or
guarantees unless specifically stated in these Terms, and to the
extent permitted by law, without any implied warranties or
guarantees.
AllBet accepts no responsibility and shall not be liable to you
for the content of or use by you of any information or services
offered by third parties advertising (including advertising by any
referral companies) or otherwise posting information via our site
(whether directly or via links to or from other sites or resources or
through framing or other electronic mechanisms) nor can AllBet
be said to endorse the contents of such advertisements or
information.
AllBet is not responsible for any inaccuracies in scores posted
in our live scores.
Overview
These Terms constitute the whole of the agreement between
you and AllBet.
Nothing in these Terms shall exclude or limit liability for fraud
or fraudulent misrepresentation.
If any part of these Terms is found by a court of competent
jurisdiction or other competent authority to be invalid, unlawful or
unenforceable then such part will be severed from the remainder
of these Terms, which will continue to be valid and enforceable to
the fullest extent permitted by law.
Other Conditions
Any player participating in the games of AllBet does so at
their own discretion and risk. Materials of the game are
automatically void if counterfeited, mutilated, forged, altered or
tampered with in any way, if illegal, mechanically or electronically
reproduced, obtained outside authorized legitimate channels or if
they contain printing, production, typographical, mechanical,
electronic or any other errors. Errors due to the computer
hardware or Internet connection are the sole responsibility of the
end-user, not AllBet. No refunds shall be given. Taxes, if any, on
any winnings are the players’ sole responsibility. By accepting
winnings, the player consents to use his/her name for advertising
and promotional purposes without additional compensation
except where prohibited by law. The player, by acceptance of
winnings, acknowledges compliance with all rules herein. The
company makes no representations or warranties, implicit or
explicit, as to the legal right for the player to participate in the
games nor shall any of AllBet’s employees, licensees, distributors,
wholesalers, affiliates, subsidiaries, advertising, promotion or
other agencies, media partners, agents or retailers have the
authority to make any such representations or warranties. AllBet
shall not be required to maintain user names or passwords and if
player misplaces, forgets, loses, or is otherwise unable to enter
the AllBet Website because of anything other than an error in the
AllBet Website, if a player should give away, tell, share or lose
their account number and password, AllBet will not be responsible
and will not be held liable for any claims regarding that account.
The terms and conditions contained herein may be modified and/
or amended only by AllBet posting such modification and/or
amendments in the Terms and Conditions section of the website.
AllBet shall not be liable for computer malfunctions, failure of
telecommunications service or Internet connections nor attempts
by the player to participate in the game by methods, means or
ways not intended by AllBet. AllBet withholds the right to cancel
players’ account for any reason and issue any balance in players
account at the time of such cancellation. The Terms and
Conditions contained herein represent the complete, final, and
exclusive agreement between the player and AllBet.
We cannot guarantee that the Service will never be faulty but
we will correct reported faults as soon as we reasonably can. If a
fault occurs you should report the fault by telephone.
We do not guarantee that files are free from computer
viruses. It is the players’ responsibility to protect their systems
and have in place the ability to reinstall any data or programs lost
due to a virus.
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 temporary suspension. In
accordance with paragraph 9, we shall not be liable to you for any
loss that you may incur as a result of such suspension or delay.
You must tell us immediately if anyone makes or threatens to
make any claim or issue legal proceedings against you relating to
your use of the Service or the Content and you will, at our request
immediately stop the act or acts complained of. If we ask you to,
you must confirm the details of the claim(s) in writing.
Our “Welcome Packages” are only available to certain states
within the United States of America.
Must call to find out more about receiving a deposit bonus
after a recent payout.
Special free plays given to clients will always come with an
applicable (10 or 25) times rollover that must be met before a
client is eligible for a payout. The maximum payout is five (5)
times the special free play amount. The five (5) times max cash-out amount will be based on your last free money credit. Example:
a $25 special free play would carry a maximum withdrawal
amount of $125. A $50 special free play special would carry a
max withdrawal amount of $250 and a $100 special free play
would carry a max withdrawal amount of $500. In order to keep
additional funds above your max cash-out amount of (5) times,
you must deposit the same amount of your remaining balance. A
10 rollover must be completed on the deposited amount before
being eligible for a withdrawal. If no deposit is made in order to
keep funds above the max cash out, then you will be paid out five
(5) times the max special free play amount, forfeiting all remaining
winnings. Special free play are meant to reward customers in
good standing. Accounts found abusing the special free bet
program may be subject to immediate termination.
Referral Bonuses given by AllBet require: a three (3) times
rollover before cash out; that all accounts to have all documents
on file before request is approved; that Referrers must have made
a deposit within the previous thirty (30) days; that Referrers
request the referral bonus within forty-eight (48) hours of time
from the Referees initial deposit; that each account must reside at
a different address; that Referrers and Referees have no negative
transaction history; that Referrers and Referees do not engage in
syndicate wagering or bonus abuse by playing both sides of the
same game or line; the Referrer has not received a payout in the
previous 180 days; that Referrer and Referee accounts will be
subject to review prior to payout approval.
In order to retain their Loyalty Program status, clients must
meet the minimum required Season Points specified for the said
tier. If a client does not meet the minimum standards, AllBet
withholds the right to drop a player to the tier corresponding to the
number of Season Points accumulated in the current season.
Black membership can be obtained solely through invitation
by upper management.
Variation of terms and conditions
We may modify the Contract at any time, such modifications
becoming effective immediately upon either the modified Contract
on the Service or notification to you. By continuing to use the
Service following a modification you will be deemed to accept
such modification.
Matters beyond our reasonable control
-
If we cannot do what we have promised in the Contract because
of something beyond our reasonable control, technical failure,
lightning, flood, or exceptionally severe weather, fire or
explosion, civil disorder, war (whether declared or not), or
operations, natural or local emergency, anything done by
government or other competent authority or industrial disputes of
any kind (including those involving our employees), we will not
be liable for this.
- For transaction security, we use SSL encryption.
-
All customer data will be treated confidential and will not be sold
to others.
-
It is recommended you may only participate in any gambling
events if it is legal for you to do so according to the laws that
apply in the jurisdiction from where you are connecting or calling.
You must understand and accept that we are unable to provide
you any legal advice or assurances.
-
After purchase, you will receive an e-mail notification. We
recommend the cardholder to print out all transaction data, the
rules of the game, the cancellation regulations, and the payment
methods in order to avoid misconceptions and discussions at a
later time and keep them at an easily accessible place.
- All customer queries will be answered within two working days.
- All orders will be effected immediately.
- After purchase, the customer is able to play immediately.
- In accordance, with the federally imposed “anti money laundering act” all deposits must be wagered in full at least once prior to requesting a withdrawal.