1.Operating licence conditions

1. 1.
   Qualified persons and personal licences
2. 2.
   Technical standards, equipment specifications, remote gambling equipment and gambling software
3. 3.
   Peer to peer gaming, other networks and hosting
4. 4.
   Protection of customer funds
5. 5.
   Payment
6. 6.
   Provision of credit by licensees and the use of credit cards
7. 7.
   General ‘fair and open’ provisions
8. 8.
   Display of licensed status
9. 9.
   Types and rules of casino and other games
10. 10.
    Tipping of casino employees
11. 11.
    Lotteries
12. 12.
    Anti-money laundering
13. 13.
    Pool betting
14. 14.
    Access to premises
15. 15.
    Information requirements
16. 16.
    Responsible placement of digital adverts
17. 17.
    Customer identity verification

2.Code of practice provisions

1. 1.
   General
2. 2.
   Financial requirements
3. 3.
   Protection of children and other vulnerable persons
4. 4.
   ‘Fair and open’ provisions
5. 5.
   Marketing
6. 6.
   Complaints and disputes
7. 7.
   Gambling licensees’ staff
8. 8.
   Information requirements
9. 9.
   Gaming machines in gambling premises
10. 10.
    Assessing local risk

3.Personal licence conditions

1. 1.
   Personal licence conditions

3.4.3 - Remote customer interaction

Applies to:

All remote licences, except any remote lottery licence the holder of which does not provide facilities for participation in instant win or high frequency lotteries¹, remote gaming machine technical, gambling software, host, ancillary remote bingo, ancillary remote casino, ancillary remote betting, remote betting intermediary (trading rooms only) and remote general betting limited licences.

Social responsibility code

Compliance with these is a condition of licences; therefore any breach of them by an operator may lead the Commission to review the operator’s licence with a view to suspension, revocation or the imposition of a financial penalty and would also expose the operator to the risk of prosecution.

In force dates:

• in paragraph 1, the words ‘as explained in the Commission’s guidance (see paragraph 2)’; and the entirety of requirements 2 and 3 are in force from 31 October 2023
• paragraph 10 is in force from 12 February 2023
• the remainder of Social Responsibility (SR) Code Provision 3.4.3 is in force from 12 September 2022.

1. Licensees must implement effective customer interaction systems and processes in a way which minimises the risk of customers experiencing harms associated with gambling. These systems and processes must embed the three elements of customer interaction – identify, act and evaluate – and which reflect that customer interaction is an ongoing process as explained in the Commission’s guidance (see paragraph 2).

2. Licensees must take into account the Commission’s guidance on customer interaction for remote operators as published and revised from time to time (‘the Guidance’). 

3. Licensees must consider the factors that might make a customer more vulnerable to experiencing gambling harms and implement systems and processes to take appropriate and timely action where indicators of vulnerability are identified. Licensees must take account of the Commission’s approach to vulnerability as set out in the Commission’s Guidance.

4. Licensees must have in place effective systems and processes to monitor customer activity to identify harm or potential harm associated with gambling, from the point when an account is opened. 

5. Licensees must use a range of indicators relevant to their customer and the nature of the gambling facilities provided in order to identify harm or potential harm associated with gambling. These must include:

   • a. customer spend
   • b. patterns of spend
   • c. time spent gambling
   • d. gambling behaviour indicators
   • e. customer-led contact
   • f. use of gambling management tools
   • g. account indicators.

6. In accordance with SR Code Provision 1.1.2, licensees are responsible for ensuring compliance with the requirements. In particular, if the licensee contracts with third party business-to-business providers to offer any aspect of the licensee’s business related to the licensed activities, the licensee is responsible for ensuring that systems and processes are in place to monitor the activity on the account for each of the indicators in paragraph 5 (a-g) and in a timely way as set out in paragraphs 7 and 8.

7. A licensee’s systems and processes for customer interaction must flag indicators of risk of harm in a timely manner for manual intervention, and feed into automated processes as required by paragraph 11. 

8. Licensees must take appropriate action in a timely manner when they have identified the risk of harm. 

9. Licensees must tailor the type of action they take based on the number and level of indicators of harm exhibited. This must include, but not be limited to, systems and processes which deliver:

   • a. tailored action at lower levels of indicators of harm which seeks to minimise future harm
   • b. increasing action where earlier stages have not had the impact required
   • c. strong or stronger action as the immediate next step in cases where that is appropriate, rather than increasing action gradually
   • d. reducing or preventing marketing or the take-up of new bonus offers where appropriate
   • e. ending the business relationship where necessary.

10. Licensees must prevent marketing and the take up of new bonus offers where strong indicators of harm, as defined within the licensee’s processes, have been identified.

11. Licensees must ensure that strong indicators of harm, as defined within the licensee’s processes, are acted on in a timely manner by implementing automated processes. Where such automated processes are applied, the licensee must manually review their operation in each individual customer’s case and the licensee must allow the customer the opportunity to contest any automated decision which affects them.

12. Licensees must implement processes to understand the impact of individual interactions and actions on a customer’s behaviour, the continued risk of harm and therefore whether and, if so, what further action is needed.  

13. Licensees must take all reasonable steps to evaluate the effectiveness of their overall approach, for example by trialling and measuring impact, and be able to demonstrate to the Commission the outcomes of their evaluation.

14. Licensees must take account of problem gambling rates for the relevant gambling activity as published by the Commission², in order to check whether the number of customer interactions is, at a minimum, in line with this level. For the avoidance of doubt, this provision is not intended to mandate the outcome of those customer interactions.

References

¹ A high frequency lottery is a lottery in which any draw takes place less than one hour after a draw in a previous lottery promoted on behalf of the same non-commercial society or local authority or as part of the same multiple lottery scheme.

² Problem gambling rates for the relevant gambling activities are available on our website.