Introduction

These Terms and Conditions (the “Terms”) govern the use of the online casino services offered under the brand name “Winum” (“Winum”, “we”, “us”, or “our”). By accessing, registering on, or using any services provided on the Winum website or Winum mobile site, you acknowledge that you have read, understood, and agree to be bound by these Terms. These Terms form a legally binding agreement between you and the operator of Winum, Galaxy Byte Lab SRL, which operates under a remote gaming licence issued by the Government of the Autonomous Island of Anjouan, Union of Comoros (Licence number: ALSI-202508040-FI2), with operational infrastructure located in Costa Rica. If you do not agree with any provision within these Terms, you must immediately cease using all Winum services and terminate any registration processes. These Terms apply to all forms of access, including desktop and Winum mobile, and any related applications or platforms offered by Winum.

Winum is an online casino platform that offers real-money games of chance, including but not limited to slots, crash games, table games, and live casino products, supplied by approved third-party providers. The Services are made available only to individuals who meet strict eligibility requirements, including age and jurisdictional restrictions. You understand and accept that online gambling involves financial risk, including the potential loss of deposited funds, and that games are based on Random Number Generator (RNG) outcomes where winning is never guaranteed. Winum promotes responsible gambling and expects all players to treat gambling strictly as a form of entertainment rather than a source of income or financial planning. By agreeing to these Terms, you confirm that your use of the Services is lawful in your country and region of residence, and that you will not access or use Winum in breach of any applicable laws or regulations.

Winum reserves the right to update, amend, or replace these Terms at any time, subject to applicable legal requirements and licence conditions. Changes may be implemented for reasons including, but not limited to, legal obligations, regulatory updates, product changes, or security enhancements. Whenever material changes are made, Winum will take reasonable steps to notify you, which may include notices on the website, email communication, or notifications through the Winum mobile site. Your continued use of the Services after such changes have been implemented will be deemed to constitute your acceptance of the updated Terms. You are responsible for reviewing these Terms regularly to ensure that you remain informed about the current agreement that governs your use of Winum.

Acceptance of Terms

By creating an account, logging in, or using any part of the Winum platform, you expressly acknowledge that you accept these Terms in full and without reservations. Acceptance is deemed to occur upon ticking any “I agree” checkbox, completing registration, or continuing to use the Services in any manner, including visiting the site as a registered customer. If you disagree with any section of these Terms, including the provisions on responsible gambling, age restrictions, or legal jurisdiction, you must refrain from accessing the Services. It is your responsibility to ensure that your use of the Services complies with all applicable laws, including any local restrictions that may apply in your country or region. By accepting these Terms, you also confirm that you are acting on your own behalf and not as an agent for any third party or on behalf of another individual.

You understand that these Terms incorporate and must be read together with all other policies published on Winum, including but not limited to the Privacy Policy, KYC and AML Policy, Bonus Terms, and Responsible Gambling Policy. Where additional terms apply to specific products, promotions, or features (such as the lucky wheel, welcome bonuses, or specific games), those terms will form part of this agreement as well. In the event of a conflict between these Terms and any ancillary or promotional terms, the specific promotional terms will apply only to the relevant promotion, while these Terms will remain in effect for all other aspects. Acceptance of these Terms involves your confirmation that the information provided during registration is accurate, up to date, and complete. You must immediately update your account details if any of your personal data changes.

Winum reserves the right, at its sole discretion, to refuse registration, close accounts, or restrict access for any reason permitted by law, including but not limited to responsible gambling considerations, suspected misuse, or legal obligations. By accepting these Terms, you also consent to any necessary verification checks that Winum may carry out to confirm your identity, age, location, and payment methods. You agree that Winum may request, receive, and process information from third parties, such as payment providers and KYC services, where required for verification, fraud prevention, or regulatory compliance. If you do not consent to such processing, you must not use the Services. Acceptance of these Terms is a precondition to any use of the Winum platform, and without such acceptance, you are not authorised to access any games, features, or functionalities.

Eligibility & Age Restriction (18+ only)

Access to Winum is strictly limited to individuals who are at least 18 years of age or the minimum legal gambling age in their country of residence, whichever is higher. By registering and using the Services, you confirm that you meet this legal age requirement and that you have full legal capacity to enter into binding agreements. Underage gambling is strictly prohibited, and Winum adopts a zero-tolerance policy towards any attempt by minors to access its Services. If Winum has reasonable grounds to suspect that you are under the permitted age, your account may be immediately suspended, and you will be required to provide satisfactory proof of age, such as a valid passport, national ID card, or driving licence. Failure to provide accurate age verification documents within the specified timeframe may result in permanent account closure and forfeiture of any winnings obtained while you were underage.

Winum is particularly concerned about the risks that gambling poses to young people, including increased susceptibility to problem gambling, financial harm, and negative impact on mental health and education. Parents, guardians, and responsible adults are strongly advised to take all reasonable steps to prevent minors from accessing online gambling platforms, including the use of parental control software, secure device passwords, and supervision of internet use. Winum will not be held liable for any loss or damage arising from unlawful access by minors using the credentials of an adult account holder. If you become aware of any minor attempting to or actually using the Winum platform, you must immediately notify our support team at [email protected] so that appropriate protective measures can be implemented. Winum reserves the right to share information with relevant authorities and organisations where underage gambling is suspected.

In addition to age restrictions, you may only use Winum if online gambling is legal in your jurisdiction and you are not a resident of any restricted country listed in these Terms or otherwise notified by Winum. You confirm that you are accessing the Services from a country where such use is lawful and that you are not on any self-exclusion list with Winum or any other operator where information may be shared. Winum does not provide legal advice and does not guarantee that its Services comply with local laws in every jurisdiction; it is your responsibility to verify your local legal position before playing. If at any time it is discovered that you are not eligible to use the Services, your account may be closed, and your participation may be voided in accordance with applicable regulations and these Terms.

Account Registration

To participate in real-money games at Winum, you must complete the account registration process and open a personal player account. Registration is required for all users who wish to deposit funds, place bets, or use any real-money features, whether through the desktop version or the Winum mobile site. During registration, you will be asked to provide accurate and complete personal information, including your full name, date of birth, country of residence, address, email, and phone number. You warrant that all information you provide is truthful and that you will promptly update your details if any changes occur. Winum may ask you to verify your email or phone number through verification links or codes, and access to certain features may remain restricted until such verification is successfully completed.

Each player is allowed to register and maintain only one account with Winum, in line with our one-account-only policy. Duplicate accounts, including accounts registered with different email addresses, phone numbers, payment instruments, or devices, are strictly prohibited. If Winum identifies duplicate accounts, it reserves the right to close such accounts, consolidate balances to a single account, confiscate bonuses and winnings, and refuse future registration, subject to responsible gambling and legal considerations. Accounts are strictly personal and for individual use only; you must not sell, transfer, or share your account with any other person, nor use another person’s account for any purpose. You are solely responsible for maintaining the confidentiality of your login credentials and for any activity conducted through your account.

If you suspect that your account has been compromised, accessed by an unauthorised person, or used in any fraudulent manner, you must immediately change your password and contact Winum support at [email protected]. Winum may temporarily suspend your account to investigate and protect your funds while security checks are conducted. You agree to cooperate fully with any investigation, including providing requested documentation and clarifications. Winum is not responsible for losses or damages resulting from unauthorised access to your account if you have failed to keep your credentials secure or have shared them with any third party. You agree that you will not use the Services on behalf of another individual or entity and that you will not attempt to circumvent any identification, verification, or security process.

Deposits & Withdrawals

In order to place real-money bets at Winum, you must deposit funds into your player account using one of the supported payment methods. All deposits must originate from payment instruments held in your own name; third-party payments are strictly forbidden and may result in reversal and account review. Winum aims to process deposits promptly; however, processing times may depend on your chosen payment provider and any intermediary financial institutions. Minimum deposit limits may apply depending on the specific payment method, currency, and any active promotional requirements. You understand and accept that your bank, e-wallet, or cryptocurrency provider may impose additional fees, conversion costs, or regulatory requirements outside the control of Winum.

Withdrawals are only available to verified accounts that have satisfied all KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements. Before processing your first withdrawal, Winum will require you to submit verification documents as described in the KYC section, such as identity documents and proof of address, and may request additional documentation relating to your source of funds in the event of large or suspicious transactions. Winum prefers, where feasible, to process withdrawals using the same method that was used for the corresponding deposits, in line with anti-money laundering best practices. Withdrawal requests are subject to minimum and maximum limits depending on the payment method, currency, and your player status, and Winum may split larger withdrawals into several tranches as required by payment providers or internal policies. Winum does not pay interest on account balances, and funds held in your account do not constitute deposits in a bank or financial institution.

You acknowledge that withdrawal processing times may vary and may be extended in cases requiring enhanced verification, manual review, or compliance checks. Winum may temporarily freeze or delay withdrawals if suspicious activity is detected, including but not limited to potential fraud, chargebacks, account sharing, bonus abuse, or money laundering indicators. You agree not to request chargebacks, reversals, or file payment disputes with your bank or payment provider for valid transactions made to Winum, and any such actions may be considered a breach of these Terms. In the event of a chargeback or dispute, Winum reserves the right to suspend or close your account, recover outstanding amounts, and report the matter to relevant authorities and industry databases. All deposits must be wagered at least once before withdrawal where required by AML regulations, and Winum may apply additional play-through requirements in certain jurisdictions.

Payment Methods Table

The following table provides an overview of representative payment methods supported by Winum. Availability may differ by location, currency, and regulatory constraints, and is provided here for illustrative and informational purposes only. For players in India, specific local methods and INR-equivalent thresholds may apply as displayed in your cashier section on the site or Winum mobile. Limits may also differ where bonus eligibility or responsible gaming limits are in place.

This table does not constitute a binding commitment, and exact conditions applicable to your account will always be displayed in the cashier section of Winum at the time of your transaction. You are solely responsible for verifying all details, including currency, amount, and payment credentials, before confirming any deposit or withdrawal.

Bonuses & Promotions

Winum may, from time to time, offer bonuses, free spins, cashback, lucky wheel features, tournaments, and other promotions to eligible players. All such offers are discretionary and subject to specific terms and conditions, which may include eligibility criteria, minimum deposits, wagering requirements, maximum bet limits, time limits, and game restrictions. By accepting any bonus or participating in any promotion, you agree to be bound by both these general Terms and the specific promotional rules as advertised at the time. Certain bonuses, such as the welcome package (for example, 100% + 150 Free Spins on the first deposit starting from €10), may be available only once per person, household, IP address, device, payment method, or shared environment. Winum reserves the right to modify, suspend, or cancel promotions at any time, including where necessary for legal, regulatory, or security reasons.

Bonus funds and free spins are typically credited to a separate bonus balance and may not be withdrawn until all applicable wagering requirements have been fulfilled. Wagering requirements usually specify a multiplier (for example, 30x to 40x) of the bonus amount, deposit amount, or both, and must be completed within a defined validity period, such as 7 to 14 days for bonuses and 24 hours for free spins, unless otherwise stated. Not all games contribute equally to wagering; some games may be excluded or contribute at a lower percentage, and any attempts to exploit bonus mechanics (such as low-risk betting, hedging, or collusion) are considered bonus abuse. Until wagering requirements are met, you may not request a withdrawal of bonus funds or associated winnings, and any request to do so may result in bonus cancellation and removal of winnings. Winum strongly advises you to review the bonus details in the “My Account → Bonuses” section, where you can monitor your active bonuses, remaining wagering, expiry dates, and bonus status.

Promotional misuse and bonus abuse are strictly prohibited and may include, but are not limited to, multiple account creation, playing in a group or syndicate, deliberate low-risk betting patterns, or using automated tools to gain an unfair advantage. Winum reserves the right to review and audit gameplay and transactions to detect such behaviour and may, at its sole discretion, withhold or confiscate bonus funds and associated winnings where abuse is detected. Some bonuses may be automatically credited, while others may require you to opt in or enter a bonus code; failure to follow the specified process may result in you not receiving the bonus. If you do not wish to receive bonuses or promotional offers, you can usually opt out via your account settings or by contacting customer support. It is your responsibility to check bonus terms before participating, and if any part of the promotional terms is unclear, you should contact support before depositing or wagering.

Game Rules

Each game available on Winum is governed by its own set of rules, paytables, and mechanics, which are provided by the respective game provider and made accessible either within the game client or through dedicated information pages. You are responsible for reviewing and understanding the rules of each game before placing any bets, including payout structures, minimum and maximum bet sizes, RTP (Return to Player) values where available, and special features such as bonus rounds or multipliers. By placing a bet, you confirm that you understand and accept the rules and outcomes associated with that game. Winum does not guarantee that rules or RTP values displayed by game providers are error-free, but will take reasonable steps to ensure that only reputable providers are integrated. In the event of any discrepancy between the English version of the game rules and translations, the English version will generally prevail.

Bets are considered placed and accepted only once they are registered on Winum’s servers and confirmed by the game system. Should any dispute arise about the placement or outcome of a bet, the records stored on Winum and the game provider’s servers will be treated as the final and authoritative record. You acknowledge that internet connectivity issues, device malfunctions, or other technical disruptions may cause temporary interruptions; in such cases, the game results recorded on the server will determine the final outcome. If a game malfunctions, crashes, or otherwise fails to operate as intended, all affected bets may be voided and stakes returned where required by policy or provider rules, and any winnings resulting from a malfunction will not be considered valid. You agree that you will not deliberately exploit any software glitch, lag, or interface error to gain advantage.

Some games, such as live casino products, may be offered in partnership with third-party studios using live dealers, streaming technology, and real-time interactions. These games may have specific rules about bet timing, settlement, and player behaviour, and you agree to abide by all instructions displayed and any code of conduct prescribed by the provider. Winum may suspend, remove, or modify any game at any time for technical, legal, or commercial reasons, including upgrade, maintenance, or jurisdictional restrictions. The availability of specific games, such as Aviator, Wolf Gold, Gates of Olympus 1000, or localised variants, may differ between countries and between desktop and Winum mobile platforms. You have no claim against Winum for the unavailability of any particular game or feature, provided that your placed bets are settled in accordance with the applicable rules.

Fair Play & RNG

Winum is committed to providing a fair, transparent, and trustworthy gaming environment, where all outcomes are determined by Random Number Generator (RNG) mechanisms that are beyond the influence of Winum, players, or any third party. All RNG-based games on the platform are supplied by authorised game providers that implement industry-standard RNG algorithms designed to ensure randomness and unpredictability. Where applicable, these RNG systems may be independently tested and certified by recognised testing laboratories to confirm compliance with fair gaming standards. Game outcomes are determined at the moment specified by the game logic, such as at the spin of a reel, the dealing of a card, or the flight of a crash multiplier, and once determined cannot be altered. Winum does not have the technical ability to modify game outcomes or to change probabilities on a player-by-player basis.

You acknowledge that winning is governed entirely by chance and that there is no system, strategy, or automated tool that can guarantee consistent winnings at Winum. Any websites, software, or individuals claiming to provide sure-win strategies, rigged systems, or guaranteed returns are not associated with Winum, and using such tools or following such advice may be a breach of these Terms. Bots, scripts, or any form of external assistance aimed at automating gameplay or manipulating outcomes are strictly prohibited. Winum may use security systems, behavioural analysis, and third-party tools to detect collusion, automated play, or other irregularities that might compromise fair play. Where such behaviour is detected, Winum may suspend or close the relevant accounts, void affected bets, and seize funds subject to applicable law.

In multi-player or pooled games, you agree not to collude with other players or share information in ways that could provide unfair advantage. This includes sharing hole cards in card-based games, coordinating bet placement patterns, or using shared wallets or devices for abusive purposes. Winum reserves the right to review logs, game histories, and transaction records for an extended period to detect and analyse patterns of suspicious behaviour. If Winum reasonably believes that a group of players is acting collectively in violation of these Terms, all related accounts may be investigated and subject to enforcement actions. You understand that fair play is essential for the integrity of the platform and that any attempt to undermine it may lead to permanent exclusion from Winum and, where appropriate, notification of relevant authorities and industry bodies.

Responsible Gambling

Winum is committed to promoting responsible gambling and providing a safe environment in which users can enjoy casino entertainment as a leisure activity rather than a means of financial gain. Gambling involves risk and can lead to financial loss, emotional distress, and other negative consequences if not managed responsibly. You should always treat any money deposited into your Winum account as discretionary entertainment spending and never as an investment or a way to resolve financial difficulties. Winum encourages all players to set personal limits, to take regular breaks, and to monitor their gambling behaviour for any signs of losing control, such as chasing losses, neglecting responsibilities, or gambling with borrowed money. If at any time you feel that gambling is no longer fun or is causing harm to you or your family, you should immediately consider using the responsible gambling tools available and seek professional support.

Winum explicitly discourages underage gambling and stresses that gambling is not suitable for minors or for individuals who are emotionally or financially vulnerable. Young people are particularly at risk of developing problem gambling behaviours due to factors like impulsivity, peer pressure, and limited understanding of financial consequences. For that reason, Winum applies strict age verification procedures and reserves the right to suspend accounts where there is any suspicion of underage activity. Parents and guardians are advised to use parental control software, monitor their children’s online activity, and ensure that login details and payment instruments are never accessible to minors. Educational materials about the risks of gambling are available, and Winum encourages open conversations within families about the nature and dangers of gambling.

Tools & Features (table)

Winum offers a range of responsible gambling tools designed to help you control your play and manage your spending. These tools may be accessible via your account settings on the website or Winum mobile, or by contacting customer support. The table below summarises key tools and features typically available.

You understand that reducing limits or applying restrictions (such as self-exclusion) will generally take effect as soon as possible, while any request to increase limits may be subject to a cooling-off period and additional checks. During self-exclusion, you must not attempt to create new accounts or otherwise circumvent your restriction, and Winum may take all reasonable steps, including the use of technical and manual checks, to prevent you from playing. However, you acknowledge that no system is fully fool-proof and that ultimately you share responsibility for honouring your own decision to self-exclude.

Support Resources

If you believe that you may have a gambling problem, or if gambling is causing distress to you or someone close to you, Winum strongly recommends that you reach out to professional support organisations and counselling services. Internationally recognised organisations such as GamCare, Gambling Therapy, and Gamblers Anonymous provide confidential advice, self-help tools, and support groups that can assist you in evaluating and addressing gambling-related issues. Local healthcare providers, psychologists, and financial counsellors can also provide tailored support and guidance, particularly where gambling has led to debt or family conflict. You should consider speaking openly with trusted friends or family members about your concerns and, where appropriate, allow them to assist you in managing access to gambling platforms.

Winum’s customer support team is available to offer information about responsible gambling features and to help you activate protective tools such as deposit limits, time-outs, and self-exclusion. While support agents cannot offer medical or psychological counselling, they can direct you to appropriate resources and implement account-level restrictions in line with your instructions. In some cases, Winum may proactively reach out to players whose behaviour suggests potential risk, for example where unusually long sessions or rapid deposit patterns are observed, and may offer information or apply temporary limits as a precaution. You acknowledge that any such interventions are carried out in good faith and do not create a duty of care beyond legal and regulatory requirements. Ultimately, it remains your responsibility to monitor your own gambling behaviour and to seek help whenever you feel that gambling is no longer under control.

Prohibited Activities

When using the Services of Winum, you agree not to engage in any activities that are illegal, abusive, fraudulent, or otherwise in breach of these Terms. Prohibited activities include, but are not limited to, opening multiple accounts, using forged or falsified documents, engaging in chargebacks or payment reversals without legitimate cause, and participating in any form of money laundering or terrorist financing. You must not use bots, scripts, or automated software to place bets, manage your account, or interact with games, and you must not attempt to exploit any system vulnerabilities, bugs, or malfunctions. Collusion between players, including coordinated betting strategies or the sharing of information to gain unfair advantage, is strictly prohibited. The use of VPNs, proxies, or other tools to mask or falsify your location in order to bypass jurisdictional restrictions or verification checks is also strictly forbidden.

You may not harass, abuse, or threaten Winum staff or other players, whether through chat functions, emails, social media, or any other communication channels related to Winum. Offensive, discriminatory, or hateful language or behaviour will not be tolerated and may result in immediate account suspension. You may not use the Winum platform for any commercial purpose, such as running betting syndicates, resale of accounts, or advertising third-party services without Winum’s explicit written consent. Any attempt to manipulate bonus offers, cashback, or promotional features, including structured betting to trigger rewards without genuine gameplay, will be treated as bonus abuse. Winum reserves the right to investigate any suspected breach of these prohibitions and to take any measures permitted by law, including closure of accounts, confiscation of funds, and reporting to relevant authorities.

If Winum identifies that your activities involve criminal or regulatory offences, including but not limited to money laundering or fraud, it may freeze your account and funds while conducting an investigation and may cooperate fully with law enforcement agencies. You agree to provide any information or documentation reasonably requested in connection with such investigations. Winum will not be liable for any losses or damages arising from enforcement actions taken in good faith to comply with legal or regulatory obligations. Any breach of the prohibited activities section is considered a serious violation of these Terms and may result in permanent exclusion from Winum and potentially from other platforms through shared fraud detection databases. By using Winum, you acknowledge that these measures are essential for maintaining the integrity and safety of the platform for all players.

Restricted Countries (table)

Due to legal, regulatory, and licensing considerations, Winum does not offer its Services to residents of certain jurisdictions. The following table provides indicative examples of countries that may be restricted. This list is not exhaustive and may be updated at any time based on changes to legal and regulatory frameworks. It is your responsibility to ensure that you are not accessing Winum from a restricted jurisdiction.

In addition to the indicative list above, Winum may restrict access from other countries or territories where local laws prohibit or heavily regulate online gambling. You must not use any technical means, such as VPNs or anonymising tools, to attempt to circumvent such restrictions. If Winum determines that you have accessed the Services from a restricted jurisdiction, your account may be suspended and any unsettled wagers voided, subject to applicable regulations. Where legally required, Winum may also report such activity to relevant regulators or authorities.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data in a secure and lawful manner. The collection, use, storage, and disclosure of your personal information are governed by our Privacy Policy, which forms an integral part of these Terms. By using Winum, you consent to the processing of your personal data, including identity details, contact information, financial information, gaming history, and device or technical data, for purposes such as account administration, transaction processing, customer support, risk management, and regulatory compliance. Winum acts as the data controller for such data and may share information with carefully selected third parties, including payment providers, KYC and AML service providers, analytics services, and competent authorities where legally required. Data transfers may occur across international borders, including outside your country of residence, subject to appropriate safeguards.

Your personal data is generally retained for a period consistent with legal and regulatory requirements, typically up to five years after account closure or the last transaction, unless a longer period is required due to ongoing legal proceedings or investigations. Winum implements appropriate technical and organisational measures to safeguard your data against unauthorised access, loss, alteration, or misuse, including encryption, access controls, and internal policies. However, you acknowledge that no online transmission or storage system is entirely secure and that Winum cannot guarantee absolute security in all circumstances. You should also contribute to data security by keeping your login details confidential, using strong passwords, and avoiding the use of shared or unsecured devices. Any suspected unauthorised access to your account or data should be reported to Winum immediately.

You have certain rights in relation to your personal data, which may include the right to access, correct, delete, restrict processing, object to processing, request data portability, withdraw consent (where processing is based on consent), and lodge a complaint with a data protection authority. The exact scope of these rights may depend on the laws applicable in your jurisdiction. Requests to exercise these rights can be submitted to Winum using the contact details provided in the Privacy Policy or via customer support. Winum will respond to such requests within the timeframes required by law and may require you to verify your identity before processing them. Please note that some rights may be limited where their exercise would conflict with legal obligations, such as record-keeping duties under AML regulations.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your account at its sole discretion, subject to applicable law and regulatory requirements. Suspension may occur in a variety of circumstances, including suspected breach of these Terms, failure to complete KYC verification, indications of problem gambling, suspected fraud or money laundering, chargebacks, or access from a restricted jurisdiction. During suspension, you may be prevented from depositing, withdrawing, or participating in games until the matter is resolved. Winum may conduct investigations, request documents, or seek clarifications from you during this period, and you agree to cooperate. If the investigation confirms a breach of these Terms or legal obligations, Winum may proceed to terminate your account.

You may request voluntary account closure at any time by contacting customer support, specifying whether the closure is for general reasons or due to gambling-related concerns. In cases where closure is linked to problem gambling, Winum may record the closure as a self-exclusion and refuse or delay any subsequent requests to reopen the account, in line with responsible gambling principles. Accounts may also be classified as inactive if there has been no login or transaction activity for a prolonged period (for example, 12 months), in which case Winum may close the account after reasonable attempts to contact you, subject to local laws about dormant balances. Any remaining balances on closed accounts will be handled in accordance with applicable regulations, which may include attempts to refund the balance to the last known payment method or, if that is not possible, retention or escheatment as required by law.

In cases of serious breach, such as fraud, multiple accounts, underage gambling, or use of falsified documents, Winum may confiscate bonuses and winnings and, where permitted by law, seize remaining balances to offset damages and costs. Where legal or regulatory obligations require, Winum may retain certain funds pending the outcome of investigations by authorities. Termination of your account will not affect any rights or obligations that accrued prior to termination, including any outstanding obligations to Winum or any liability for breaches of these Terms. Winum may refuse any future registration or access attempts from individuals whose accounts have been closed for serious violations. You acknowledge that account suspension and termination measures are essential to ensuring the integrity, safety, and legal compliance of Winum for all players.

Limitation of Liability

To the maximum extent permitted by applicable law, Winum provides the Services on an “as is” and “as available” basis without any warranties, representations, or guarantees, whether express or implied. This includes, without limitation, any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. You acknowledge that your use of Winum’s Services is at your own risk and that Winum does not guarantee uninterrupted access, error-free operation, or immunity from technical issues such as server downtime, connectivity problems, or software bugs. While Winum endeavours to maintain high standards of reliability and security, it cannot be held liable for any loss, delay, or disruption caused by factors outside its reasonable control, including the actions of third-party service providers, network failures, or force majeure events.

Winum’s liability for any claim arising out of or in connection with your use of the Services, whether in contract, tort, or otherwise, shall be strictly limited to the amount of your deposits made to Winum over the thirty (30) days preceding the event giving rise to the claim, subject to any narrower limitations imposed by law. Under no circumstances shall Winum be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, business interruption, or reputational damage, even if Winum has been advised of the possibility of such damages. Winum is not responsible for any damage or loss resulting from your reliance on information obtained through the platform, including game rules, promotions, or third-party content, which you use at your own discretion.

Nothing in these Terms shall exclude or limit Winum’s liability for death or personal injury resulting from its negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law. Certain jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages; therefore, some of the above limitations may not apply to you. In such cases, Winum’s liability shall be limited to the fullest extent permitted by law. You agree to indemnify and hold harmless Winum, its directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your breach of these Terms, your misuse of the Services, or your violation of any law or the rights of any third party.

Complaints & Dispute Resolution

Winum aims to provide a high standard of customer service and to resolve complaints in a fair and timely manner. If you have any complaint relating to the Services, including game outcomes, transactions, or the conduct of support staff, you should first contact Winum’s customer support team at [email protected] and provide full details of the issue. Complaints should be raised as soon as reasonably possible and, in any event, within the time limits specified in our policies, for example within 14 days for game-related issues and within 30 days for account-related disputes. You should include your account details, a clear description of the facts, and any supporting evidence such as screenshots or transaction references. Winum will acknowledge receipt of your complaint within a reasonable timeframe, typically within one business day, and will seek to provide a substantive response as soon as practicable, generally within 30 days, subject to the complexity of the matter.

In handling complaints, Winum may review server logs, transaction histories, game provider reports, and communication records to establish the facts. You agree to cooperate fully with any investigation, including providing additional information or documents upon request. Where a complaint concerns game outcomes, the decision of the game provider based on its technical records will generally be treated as final, except where an evident error or malfunction is proven. If you are dissatisfied with the outcome of your complaint after receiving Winum’s final response, you may, where available, escalate the matter to an external dispute resolution body or regulator, in line with the procedures specified in our policies and subject to the laws of the governing jurisdiction. Winum will cooperate in good faith with any lawful dispute resolution processes.

All complaints and disputes should be made in good faith, and you should not abuse the complaints process by submitting repeated, unfounded, or malicious claims. Winum may decline to continue handling a complaint where it considers the matter to be frivolous, vexatious, or outside its control, but will always inform you of such a decision and, where possible, suggest alternative avenues. Records of complaints and their outcomes may be retained by Winum for compliance, quality assurance, and training purposes. By using Winum, you agree that the complaint process described in this section must be followed as the primary mechanism for resolving disputes between you and Winum, without prejudice to any statutory rights you may have under applicable law.

Governing Law

These Terms, and any dispute or claim arising out of or in connection with them or with your use of the Services, shall be governed by and construed in accordance with the laws of the jurisdiction of incorporation of Winum’s operating entity, unless otherwise required by mandatory consumer protection laws. Any legal action, suit, or proceeding arising out of or related to these Terms shall be subject to the exclusive or non-exclusive jurisdiction of the competent courts in that jurisdiction, as determined by applicable law. You consent to the personal jurisdiction of such courts and waive any objection based on improper venue or forum non conveniens, to the extent permitted by law.

Nothing in this Governing Law section shall limit your statutory rights under the laws of your country of residence where such rights cannot be validly excluded or limited by contract. Where required by law, certain disputes may be subject to the jurisdiction of courts in your home country or to specific dispute resolution mechanisms mandated by regulators. If any provision of these Terms is found to be invalid or unenforceable under the governing law, that provision shall be interpreted in a manner consistent with applicable law to reflect, as closely as possible, the original intent of the parties, and the remaining provisions shall remain in full force and effect. You are responsible for ensuring that your use of Winum is lawful in your jurisdiction, and Winum does not represent that its Services are appropriate or available in all locations.

Final Provisions

These Terms constitute the entire agreement between you and Winum with respect to your use of the Services and supersede any prior agreements, understandings, or arrangements, whether written or oral, relating to the same subject matter. No failure or delay by Winum in exercising any right, power, or remedy under these Terms shall operate as a waiver of that or any other right, nor shall any single or partial exercise thereof preclude any further exercise of that or any other right or remedy. Winum reserves the right to assign, transfer, or subcontract its rights and obligations under these Terms, in whole or in part, to any affiliated or successor entity, provided that such transfer does not materially reduce your rights as a consumer under applicable law. You may not assign or transfer any of your rights or obligations under these Terms without Winum’s prior written consent.

Winum may amend these Terms from time to time to reflect changes in laws, regulations, industry practices, or internal policies. Where material changes are made, Winum will provide reasonable notice through the website, the Winum mobile site, or via email, and will indicate the date from which the revised Terms take effect. Your continued use of the Services after the effective date of any amendment will be deemed to constitute your acceptance of the updated Terms. If you do not agree with the changes, you should stop using the Services and request closure of your account. The latest version of these Terms will always be available on Winum for your review.

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or competent authority, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent, and the remaining provisions shall continue in full force and effect. Headings in these Terms are for convenience only and shall not affect their interpretation. By registering for and using Winum, you confirm that you have read, understood, and accepted these Terms and that you will comply with them at all times when accessing or using the Services.