To ensure accuracy, all telephone conversations are recorded and confidentially stored. Any disputes will be resolved by a review of the recording by the supervisory staff. A review will usually be made by the end of the business day. The wager repeated by the operator and verified by the account holder will be considered the desired wager. Please listen carefully when placing and verifying your wagers. Taped conversations will be available for playback to an account holder upon request.
 

PAYDOG provides a service of acceptance and retransmission of information assisting in the placement of wagers at certain racetracks through US off-track Multi-jurisdictional Simulcasting and Interactive Wagering Hub located in Portland, Oregon, which is licensed and regulated by the Oregon Racing Commission, and operated in accordance with the laws of the State of Oregon and the United States of America.
 

In the event the information an account holder provides to PAYDOG is not transmitted to, received by, or otherwise accepted by the racetrack for any reason (included, but not limited to) mechanical, communication and human error or failure, no wager will have been placed (or deemed to have been placed) on behalf of the account holder at the track and no money will be debited from the account holder's account. Under no circumstances will PAYDOG  "book" the wager, or otherwise be held responsible for the information not being transmitted to, received by, or otherwise accepted by the racetrack.
 

It is the account holder's responsibility to complete their second half of an exchange wager, if any.  PAYDOG takes no responsibility for wager not placed in an exchange race.  Exchange wagers have no dollar value.
 

In the event multiple "official" prices are posted by the racetracks (as a result of miscalculation of payoffs by the track, an error by the state judges, or any other reason), PAYDOG will ascertain the final "official" prices from the racetrack and will make any adjustment to its account holders accounts necessary to correct any incorrect debits or credits made by PAYDOG as a result of receiving the non-final "official" prices.
 

The amount wagered must be available in an account holder's account. PAYDOG does not extend credit.
 

All wagers are made through the AmTote wagering system and are sent into combined pools at the host track.
 

The minimum wager is determined by the "host" track rules, but will not be less than $1.00.
 

Wagers cannot be cancelled once they have been verified and accepted by the account holder and the phone call terminated.
 

Proceeds from successful wagers will be credited into your account as soon as each race is posted as official.
 

Requests for information, questions, account reconciliation, withdrawals, etc. must be made to the Customer Service Representatives.
 

PAYDOG customer accounts bear no interest.
 

For the privacy and protection of account holders, PAYDOG will not disclose any information regarding an account holder's wagering activity unless required by law.
 

By law, each account holder must immediately notify PAYDOG of a change in the state of residency by calling 1-877-7-TAKEBET. Please note: If an account holder moves to a state where PAYDOG does not offer wagering services, PAYDOG is required to terminate the account and return all remaining funds.
 

A PAYDOG account is for the personal use of the registered account holder only and is not transferable. PAYDOG reserves the right to void any wager if there is reason to believe that someone other than the registered account holder placed a wager on PAYDOG's wagering system.
 

PAYDOG's  wagering system protects your account from unauthorized access, giving you added peace of mind. Repeated attempts to access an account with an incorrect PIN or account number will terminate the session. If these unsuccessful attempts continue, we will temporarily freeze the account until you contact us with the correct access code. For your protection, do not disclose your PIN to anyone.
 

PAYDOG will resolve disputes, whether account or wagering related, after a review of any recorded conversations and any record generated by PAYDOG wagering system. If the account holder is not satisfied with the determination of PAYDOG , he or she may contact the Oregon Racing Commission.
 

PAYDOG reserves the right to refuse any wager.
 

PAYDOG reserves the right to terminate an account at any time and for any reason.
 

PAYDOG reserves the right to collect any and all bank service charges.
 

All PAYDOG's account wagering rules, policies, terms, conditions and procedures are subject to change by PAYDOG at any time.
 

It is the account holder's responsibility to be aware of all wagering rules, policies, terms, conditions and procedures, including any subsequent changes.
 

The Oregon Racing Commission has approved this service. It is not intended to be an offer or solicitation in those states where prohibited.