Introduction

These Terms and Conditions (the “Terms”) govern your access to and use of the online gambling services, games, and related features made available under the brand name “Winum” (“Winum,” “we,” “us,” or “our”) through our primary website, Winum, any associated subdomains, and any Winum mobile site or Winum mobile applications (collectively, the “Platform”). By registering an account, accessing the Platform, or participating in any game or promotional offer, you expressly acknowledge that you have read, understood, and agreed to be legally bound by these Terms. These Terms form a binding legal agreement between you and Winum and apply regardless of whether you access the Platform via desktop, laptop, tablet, or mobile device. In the event you do not agree with any provision of these Terms, you must immediately cease using the Platform and refrain from creating or maintaining an account. These Terms are intended to promote fairness, transparency, responsible gaming, and legal compliance in all aspects of your relationship with us. You are responsible for reviewing these Terms regularly, as they may be updated from time to time in accordance with the provisions set out herein.

The Platform is intended solely for individuals who meet the strict eligibility requirements set out in these Terms, including but not limited to being at least eighteen (18) years of age or older, and residing in jurisdictions where online gambling is lawful. We emphasize that gambling involves financial risk and can be addictive; therefore, responsible gambling principles underpin all aspects of our service offering. The Platform provides access to various casino-style games, including but not limited to slots, table games, live dealer games, and other interactive gambling products, which are provided for entertainment purposes only. We may also offer bonuses, loyalty rewards, tournaments, and other promotional features, each of which is subject to specific terms and wagering requirements, in addition to these general Terms. Before participating in any game or offer, you must ensure you understand all applicable rules, conditions, and potential risks. If you are uncertain, you should not place any wagers until you have obtained clarity from customer support or refrained entirely from using the Platform.

We reserve the right to modify, suspend, or discontinue any aspect of the Platform at any time for any reason, including to comply with changes in applicable law, regulatory requests, or internal compliance policies. Any such changes may affect your ability to access certain games, payment methods, or promotional offers. While we use commercially reasonable efforts to keep the Platform available on a continuous basis, we do not guarantee uninterrupted access, and we shall not be liable for downtime or service disruptions arising from maintenance, technical issues, or external factors beyond our reasonable control. Your continued use of the Platform following any update to these Terms or any material change to the Platform will constitute your acceptance of such modifications. If you do not agree with an updated version of the Terms, you must stop using the Platform and close your account in accordance with the procedure set out herein. These Terms are written in English (United States), and in the event of any translation, the English version shall prevail.

Acceptance of Terms

By creating an account on the Platform, using the Winum mobile site, accessing games, or otherwise interacting with any content or services we provide, you confirm your full and unconditional acceptance of these Terms. You also acknowledge that these Terms incorporate, by reference, any additional rules, conditions, and policies posted on the Platform from time to time, including but not limited to our Privacy Policy, Cookie Policy, Bonus Terms, Game Rules, and Responsible Gambling Policy. It is your sole responsibility to review all such documents and ensure that you understand and agree with them prior to using the Platform or placing any bets. If at any time you disagree with the Terms or any associated policy, you must immediately discontinue use of the Platform and, if applicable, request closure of your account. Your acceptance of these Terms is deemed to occur on the earlier of the date you register an account or the date you first use the Platform to place a bet or otherwise engage with gambling content.

You are encouraged to retain a copy of these Terms for your personal records. We may, in our absolute discretion, update, revise, or otherwise modify these Terms at any time to reflect changes in legal requirements, regulatory interpretations, technological developments, or business practices. When material changes are made, we will use reasonable means to notify you, which may include posting an updated version of the Terms on Winum, sending an email notice, or displaying a prominent message when you next log in to your account. It is your obligation to regularly check for updates and to cease using the Platform if you do not agree with any modifications. Continued use after such notice will constitute your binding acceptance of the revised Terms.

No employee, contractor, agent, or representative of Winum is authorized to vary these Terms orally or to make any representation that conflicts with or modifies their content. Any purported amendment, waiver, or modification that is not published by us on the Platform in written form shall be null and void and of no effect. In case of conflict between these general Terms and any game-specific or promotion-specific rules, the specific rules shall prevail, but only to the extent of the conflict and solely for the specific game or promotion at issue. If any provision of these Terms is found by a court or competent authority to be invalid or unenforceable, such provision shall be severed, and the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

Eligibility & Age Restriction (18+ only)

Use of the Platform is strictly limited to individuals who are at least eighteen (18) years of age or older, or the higher minimum legal gambling age in their applicable jurisdiction, whichever is greater. By registering an account and accessing the Platform, you expressly represent and warrant that you meet this age requirement and that you have full legal capacity to enter into a binding contract under the laws applicable to you. You also confirm that you are accessing the Platform from a jurisdiction where online gambling is lawful and that you are not a resident of, or physically located in, any Restricted Country as defined in these Terms. It is your sole responsibility to verify the legality of online gambling in your jurisdiction before using the Platform. If at any point you become aware that you do not meet the eligibility requirements, you must immediately stop using the Platform and notify us so that your account may be closed.

We maintain a strict zero-tolerance policy regarding underage gambling. Accounts created by, or on behalf of, individuals under the age of 18 are prohibited and will be closed when identified, and any winnings may be forfeited, subject to applicable law. We may request age and identity verification at any time, including prior to allowing deposits, withdrawals, or continued access to certain games. Such verification may include, without limitation, the submission of government-issued identification documents, proof of address, and other documentation deemed necessary by us to ensure compliance with legal and regulatory obligations. Failure to provide accurate and timely verification information may result in account suspension or closure.

We highlight that gambling carries particular risks for young people, including increased susceptibility to problem gambling behaviors, adverse impacts on mental health, and potential financial harm. Parents and guardians are strongly encouraged to actively monitor and restrict access to online gambling content and to use parental control software or device-level restrictions where appropriate. If we have reasonable grounds to suspect that an account is being used by a minor or that false information has been provided to evade age restrictions, we reserve the right to suspend the account pending investigation and to take all necessary steps, including contacting relevant authorities when required by law. We may also take measures to block access from devices or IP addresses associated with underage users.

By using the Platform, you agree that we may carry out electronic age verification checks and cross-reference your details against publicly available databases, third-party verification services, and other information sources. These checks are conducted in accordance with our Privacy Policy and applicable data protection laws and are used solely for legitimate purposes, including the prevention of underage gambling and fraud. You further acknowledge that your account may remain suspended until the verification process is fully completed and that we will not be responsible for any loss, inconvenience, or missed promotional opportunities arising from verification delays caused by your failure to provide accurate and timely information. If underage gambling is identified, we will cooperate with any lawful investigation and may provide relevant information to regulatory authorities as required.

Account Registration

To participate in real-money gambling on the Platform, you must register and maintain a personal account (the “Account”). During the registration process, you will be required to provide accurate, current, and complete information, including but not limited to your full name, date of birth, residential address, email address, phone number, and any other details requested. You agree to promptly update your information whenever changes occur to ensure that your Account details remain accurate at all times. Providing false, misleading, or incomplete information may result in immediate suspension or closure of your Account, voiding of bets, and forfeiture of funds, subject to applicable law. You may be permitted to have only one active Account on the Platform; multiple Accounts held by the same individual are prohibited and may be closed.

As part of our regulatory and legal compliance, including anti-money laundering (AML) and know-your-customer (KYC) requirements, we may request additional documentation and conduct background checks at any time. Such checks may include verification of your identity, age, source of funds, source of wealth, and other risk-related assessments. You agree to provide all documentation we reasonably request in a prompt and transparent manner, and you authorize us to use third-party verification providers where necessary. We may lock, limit, or suspend your Account while verification is pending, and we may withhold deposits, restrict wagering, or delay withdrawals until the process is complete. Failure to cooperate fully or attempts to circumvent verification procedures will be treated as a serious breach of these Terms and may result in Account closure.

You are solely responsible for maintaining the confidentiality of your login credentials, including your username, password, and any other security features used to access your Account. You must not share your login details with any third party or permit any other person to access or use your Account. If you suspect that your Account has been compromised, accessed without your authorization, or used in any fraudulent manner, you must notify us immediately and change your password. We shall not be liable for any loss or damage arising from unauthorized use of your Account where you have failed to take reasonable steps to safeguard your credentials. We reserve the right to require multi-factor authentication or additional security measures as we deem appropriate.

Accounts must be used solely for personal, non-commercial gambling entertainment. You may not use your Account on behalf of another person, for any collective betting scheme, or as an agent or intermediary. You must not sell, transfer, or assign your Account or any associated rights to any other party. Any attempt to do so will be considered void and may result in immediate Account closure and forfeiture of associated funds, subject to applicable law. You acknowledge that we may close or consolidate duplicate Accounts, and in such cases, balances may be transferred to a single primary Account, less any bonuses that may be removed in accordance with our Bonus Terms.

Deposits & Withdrawals

You may only use the Platform for real-money gambling after successfully funding your Account through approved deposit methods. All deposits must be made in your own name using payment instruments (such as bank accounts, cards, or e-wallets) that are registered to you; you must not use any payment method belonging to a third party. We may require documentation proving that you are the legitimate owner of the payment method used, and we reserve the right to reject or reverse any deposit that fails our verification or fraud checks. Deposited funds will typically be credited to your Account promptly; however, delays may occur due to processing times, technical issues, or third-party payment provider procedures, for which we are not responsible. You acknowledge that some payment methods may not be available in your jurisdiction or may have specific limits, fees, or processing times associated with them.

Withdrawals are subject to successful completion of all required identity, age, and security checks, as well as compliance with these Terms and any applicable bonus wagering requirements. You may be required to withdraw funds using the same payment method used for deposit, where feasible, in line with anti-money laundering best practices and legal obligations. We may set minimum and maximum withdrawal limits per transaction, per day, or per month, and these limits will be disclosed on the Platform or communicated to you through support. Processing times for withdrawals may vary depending on internal checks and the policies of your chosen payment provider, and we are not responsible for delays outside our control. You understand that in some cases, we may request additional documentation (such as bank statements or proof of payment method ownership) before processing withdrawals.

We reserve the right to charge reasonable administrative fees relating to deposits and withdrawals where necessary, and such fees will be disclosed to you prior to completion of the transaction whenever possible. Currency conversion fees may apply if your Account currency differs from the currency of your payment method, and such conversions may be performed at prevailing exchange rates determined by us or the payment provider. You acknowledge that fluctuations in currency values are beyond our control and may affect the value of deposits or withdrawals. You also agree that we may void or reverse transactions if required by law, regulatory authorities, or our internal risk and compliance policies, including where fraudulent, suspicious, or collusive activity is suspected.

You are solely responsible for maintaining sufficient funds in your Account to place bets and participate in games. We do not extend credit, and you should never attempt to place bets exceeding your available balance. If, due to technical or human error, your Account shows a credit balance to which you are not legitimately entitled, you must immediately report this to us and refrain from using such funds. We may reverse erroneous credits and cancel bets placed with funds arising from such errors. In the event that you have already withdrawn funds mistakenly credited to your Account, you will be obligated to return such funds to us, and we may employ lawful collection and recovery methods where necessary.

Payment Methods Table

Processing times and availability in the table above are general examples and may vary based on your location, verification status, and the specific provider’s policies. You should always consult the cashier or payments section of the Platform for up-to-date information on supported methods, limits, and conditions before initiating transactions.

Bonuses & Promotions

From time to time, we may offer bonuses, free spins, cashback, loyalty rewards, tournaments, and other promotional incentives (collectively, “Promotions”) to eligible players. Each Promotion is governed by specific bonus terms (“Bonus Terms”) that will be clearly presented on the Platform and must be read in conjunction with these general Terms. By accepting or participating in any Promotion, you agree to be bound by both the Bonus Terms and these Terms and acknowledge that failure to comply may result in forfeiture of bonus funds and associated winnings. Promotions are intended for genuine recreational players, and any attempt to exploit bonus structures, engage in abusive betting patterns, or manipulate promotional mechanics may be treated as bonus abuse and lead to disciplinary action.

Unless explicitly stated otherwise, bonuses and free spins are subject to wagering requirements, meaning you must wager a specified multiple of the bonus amount, deposit amount, or winnings from free spins before eligible for withdrawal. Contributions towards wagering requirements may vary by game type; for example, certain slots may count 100% toward wagering, while table games may count at a lower percentage or be excluded altogether. The applicable game contribution rates will be disclosed in the Bonus Terms or on the relevant promotional page. You acknowledge that bets placed using bonus funds may be subject to maximum bet limits and other restrictions designed to prevent abuse. Violations of such conditions, including exceeding maximum allowed bets, may result in the removal of bonus funds and cancellation of associated winnings.

We reserve the right to modify, suspend, or cancel any Promotion at our sole discretion, including for reasons related to legal compliance, technical issues, or suspected abuse. In the event of a promotional error or misconfiguration, such as displaying an incorrect bonus amount or wagering requirement, we will endeavor to correct the error promptly and adjust affected bonuses accordingly. If a Promotion is canceled or materially changed after you have opted in but before completion, we may, where reasonable, provide alternative compensation or revert your Account to the pre-promotion state, excluding winnings derived from clear errors. Promotions may be time-limited and may include eligibility criteria such as minimum deposit amounts, specific currencies, or geographic and device-based restrictions (for example, offers only accessible via Winum mobile).

Bonuses are generally limited to one per person, household, IP address, payment method, or device unless explicitly stated otherwise in the Bonus Terms. We may restrict your eligibility for certain Promotions based on your Account status, responsible gambling tools in place (such as self-exclusion), or prior promotional history. You agree not to create multiple Accounts or otherwise attempt to circumvent these eligibility rules. In case of conflicting interpretations of Promotion terms, our decision shall be final to the maximum extent permitted by law. You are responsible for reviewing the full Bonus Terms before accepting any promotional offer.

Game Rules

Each game available on the Platform is governed by its own specific rules and instructions, which are accessible within the game interface or in a dedicated rules section. You must review and understand the applicable game rules before placing any bets or participating in gameplay, as failure to do so may lead to unintended outcomes, including loss of funds. Game rules typically describe gameplay mechanics, payout structures, bonus features, minimum and maximum bets, and any unique conditions or limitations that apply to that particular game. By participating in a game, you acknowledge that you fully understand and accept the associated rules and that you bear sole responsibility for your betting decisions. We strongly encourage you to try any available demo or practice modes before committing real money, where such modes are lawful and provided.

In the event of discrepancies between game outcomes displayed on your device and the results recorded in our systems or by our third-party game providers, the latter will be deemed final and binding. While we endeavor to ensure that all game information and paytables are accurate and up to date, errors may occur, and we reserve the right to correct such errors retroactively. If a game malfunctions or experiences technical issues, including but not limited to disconnections, improper functioning of hardware or software, or incorrect game configurations, all affected bets may be voided or corrected, and any associated winnings deemed invalid. Malfunction voids all plays and payouts, subject to applicable law and regulatory requirements.

You understand that all game outcomes are determined by chance-based mechanisms, such as random number generators (RNGs), or, in the case of live dealer games, by physical game elements subject to strict procedural controls. No system, strategy, or method can guarantee consistent success, and any representation to the contrary should be disregarded. It is your responsibility to use your own judgment and only wager funds you can afford to lose. We recommend setting personal limits and making use of our responsible gambling tools before engaging in real-money gameplay.

We may add, remove, or modify games at any time for business, technical, or regulatory reasons. Certain games may not be available in all jurisdictions due to licensing restrictions or local legal requirements. Access to some games may also be restricted on Winum mobile or certain devices due to compatibility or performance considerations. We shall not be liable if a particular game is unavailable or removed, except to the limited extent required by applicable law.

Fair Play & RNG

We are committed to providing a fair, transparent, and trustworthy gaming environment for all players. The outcomes of virtual games offered on the Platform are determined by certified Random Number Generators (RNGs) designed to ensure that results are statistically random and unbiased. Our RNGs, as well as the games themselves, are subject to testing and certification by independent testing laboratories or other qualified entities, as required by applicable regulatory standards. These tests are intended to verify that game outcomes are unpredictable, non-repeatable, and not influenced by any external factor or internal manipulation. You acknowledge and accept that you have no control over game outcomes and that all bets are final once placed.

We do not tolerate any form of cheating, collusion, exploitation of software bugs, use of automated tools (such as bots), or any other conduct that provides an unfair advantage or undermines the integrity of the games. If we have reasonable grounds to suspect that you or any other party has engaged in such prohibited behavior, we may void affected bets, withhold winnings, and suspend or terminate the implicated Accounts. We may also report such behavior to relevant authorities or regulatory bodies if required by law. You agree to cooperate fully in any investigation and to provide any information or documentation we reasonably request in connection with suspected unfair play.

All game transactions, including bets, wins, and losses, are recorded in our systems and may be reviewed in case of disputes. In the event of a conflict between your version of events and our records, our records will be considered authoritative to the maximum extent permitted by law. You may access a history of your game transactions through your Account interface, and you are encouraged to review this information regularly for accuracy. If you believe any entries are incorrect, you must notify us promptly with supporting details.

We continually monitor game performance and player activity for patterns that may indicate abuse or technical problems. Where anomalies are detected, we may temporarily disable the affected game, reverse or adjust transactions, and take other remedial steps deemed necessary to protect both players and the integrity of the Platform. While we make reasonable efforts to detect and prevent unfair practices, we cannot guarantee that all such behavior will be identified immediately. You agree that we shall not be liable for any loss arising from actions taken in good faith to investigate, address, or prevent suspected unfair play, provided such actions are consistent with applicable law.

Responsible Gambling

We strongly promote responsible gambling and are committed to providing a safe environment in which our players can enjoy entertainment without experiencing harm. Gambling should always be viewed as a form of leisure, not as a source of income or a solution to financial difficulties. You acknowledge that there is a risk of losing money when participating in games on the Platform and that you are fully responsible for your own gambling decisions and behavior. We encourage you to set personal limits, monitor your activity, and make use of the responsible gambling tools we provide to help you maintain control. If at any time you feel that your gambling is no longer under control or is negatively affecting your life or the lives of those around you, you should immediately stop playing and seek professional assistance.

We offer a range of tools designed to support responsible gambling, including but not limited to deposit limits, loss limits, wager limits, session reminders, time-outs (cooling-off periods), and self-exclusion options. These tools are available through your Account settings or by contacting customer support, and they are accessible on both desktop and Winum mobile site environments. Once set, limits and self-exclusion measures are applied on a prospective basis and may not be effective immediately for pre-existing bets or pending transactions. It is your responsibility to ensure that the limits you choose are appropriate for your personal circumstances and that you use them consistently. While we make reasonable efforts to enforce your selected limits, we cannot guarantee that they will prevent all impulsive decisions, and they should be used in conjunction with self-discipline and awareness.

We emphasize that underage gambling is prohibited and harmful. Young people are at increased risk of developing gambling-related problems due to factors such as impulsivity, lack of financial experience, and vulnerability to peer pressure. Parents and guardians should take active steps to prevent minors from accessing gambling sites, including securing devices, using content filters, and regularly reviewing internet usage. If you suspect that a minor is using our Platform, either directly or through use of another person’s Account, you must notify us immediately so that appropriate actions, including Account suspension and investigation, can be initiated. We may use age verification technologies and cooperate with relevant organizations to combat underage gambling.

We cooperate with independent support organizations that specialize in assisting individuals affected by problem gambling. These organizations may provide confidential counseling, telephone helplines, online chat services, and self-help materials to support those in need. Links to such generic support organizations are provided in the Support Resources subsection below and may also be displayed prominently on the Platform. You are encouraged to contact these organizations if you recognize signs of problem gambling, such as chasing losses, neglecting responsibilities, lying about gambling, or feeling distress related to gambling. If requested by you and if permitted by law, we may work with support organizations to implement additional safeguards on your Account.

Tools & Features (table)

You should carefully select and configure these tools according to your personal needs and financial situation. Increasing or removing limits may be subject to a cooling-off period, during which higher limits will not take effect immediately, to help prevent impulsive changes. Decreases in limits generally take effect as soon as technically possible. Self-exclusion is a serious step intended for those who believe they may have a gambling problem; once activated, it cannot be revoked until the exclusion period has fully expired, and in some jurisdictions, additional steps may be required to reopen your Account.

Support Resources

If you are concerned about your gambling behavior or that of someone you know, we strongly recommend contacting professional support services. We cooperate with and may provide links to generic problem gambling support organizations, such as national gambling helplines, online counseling platforms, and independent therapy providers. These organizations can offer confidential advice, diagnostic tools, and treatment options tailored to individual circumstances. You may also find self-assessment questionnaires on their websites that can help you evaluate whether your gambling has become problematic. We encourage you to use these resources proactively rather than waiting until gambling-related issues become severe.

In addition to external organizations, our customer support team is trained to recognize common indicators of problem gambling and can provide information on how to activate responsible gambling tools and where to seek help. While we cannot provide medical or psychological counseling, we can guide you toward appropriate resources and, at your request, assist with implementing Account protections such as self-exclusion. If you disclose that you are experiencing gambling-related harm, we may place additional safeguards on your Account, including restrictions on marketing communications and promotions. These measures are intended to support your recovery and to reduce the risk of further harm, consistent with applicable legal and regulatory requirements.

We also encourage players to involve trusted family members or friends if they are struggling to control their gambling. External support networks can provide valuable perspective, accountability, and emotional assistance. You may choose to share information about our responsible gambling tools with your support network so that they can help you set and maintain appropriate limits. If you have self-excluded or otherwise restricted your Account, you should inform those close to you of these steps to help reinforce your commitment to responsible gambling.

Information provided to support organizations is typically confidential and independent of our operations, subject to each organization’s privacy and data protection policies. We do not control these organizations and are not responsible for their services or advice. However, we carefully select organizations to which we link or refer players and aim to collaborate only with reputable and recognized entities in the responsible gambling field. You remain free to choose any support or treatment provider you deem appropriate.

Prohibited Activities

You agree not to use the Platform for any unlawful, fraudulent, or prohibited purpose. Prohibited activities include, but are not limited to, money laundering, terrorist financing, fraud, collusion, chip dumping, match-fixing, bonus abuse, identity theft, and use of stolen or unauthorized payment instruments. You also agree not to intentionally circumvent our security measures, attempt to access another user’s Account, or interfere with the normal functioning of the Platform or any game. Use of automated tools, scripts, or bots to place bets or manipulate game outcomes is strictly forbidden. Engaging in any of these activities may result in immediate suspension or termination of your Account, reporting to relevant authorities, and forfeiture of funds, subject to applicable law.

You must not transmit, distribute, or otherwise make available any malicious software, including viruses, worms, trojans, or other harmful code, through the Platform. Additionally, you may not engage in any activity that places an unreasonable or disproportionately large load on our infrastructure or that interferes with the normal operation of our systems. Attempts to reverse engineer, decompile, or otherwise access the source code of any part of the Platform or its games are prohibited. You also agree not to use the Platform to disseminate any content that is illegal, defamatory, obscene, threatening, or otherwise objectionable.

You must not engage in arbitrage betting strategies that exploit differences between odds or outcomes in ways that undermine the intended spirit of the games or Promotions. Similarly, you may not coordinate with other players to gain unfair advantages, manipulate game outcomes, or share confidential information related to gameplay. When participating in live dealer games or multiplayer environments, you must behave respectfully toward dealers, hosts, and other players and refrain from harassment, abusive language, or discriminatory conduct. We reserve the right to remove your access to chat features or specific games if your behavior is deemed inappropriate.

If we have reasonable grounds to suspect that you have engaged in any prohibited activity, we may freeze your Account and conduct an investigation. During this period, you may not be able to deposit, withdraw, or place bets, and we may request additional information or documentation from you. Following the outcome of the investigation, we may decide to close your Account, withhold or confiscate funds, or take any other actions permitted by law and these Terms. You agree that we shall not be liable for any loss or damage arising from actions taken in good faith to investigate or respond to suspected prohibited activities.

Restricted Countries (table)

Access to the Platform and its services is not available in all jurisdictions. Due to legal, regulatory, or commercial reasons, we may restrict or prohibit access for users located in certain countries or territories (“Restricted Countries”). The list of Restricted Countries may change from time to time based on evolving legal and regulatory conditions. It is your responsibility to ensure that you are not located in a Restricted Country when accessing the Platform. Attempting to circumvent geographic restrictions through the use of VPNs, proxies, or other location-masking technologies is prohibited and may result in Account closure.

The table below provides a non-exhaustive illustrative list of jurisdictions that may be treated as Restricted Countries. This list is for example purposes and not definitive; the actual list applicable to you may differ and will be indicated during registration or from time to time on the Platform. If you are uncertain whether your jurisdiction is restricted, you must refrain from using the Platform until you have confirmed your eligibility.

We reserve the right to close any Account that we know or reasonably suspect is linked to a Restricted Country, whether by residence, location at the time of access, or use of payment methods from such jurisdictions. In such cases, any remaining Account balance may be handled in accordance with applicable law, and bets placed from Restricted Countries may be declared void.

Privacy & Data Protection

We are committed to protecting your privacy and handling your personal data in a lawful, fair, and transparent manner. Our 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 the Platform, you consent to our processing of your personal data as described in the Privacy Policy, including the use of cookies and similar technologies for purposes such as authentication, security, personalization, analytics, and marketing. You agree to provide accurate and up-to-date personal information and to promptly notify us of any changes. Failure to do so may affect our ability to provide services, complete verification checks, and ensure compliance with legal obligations.

We collect personal data such as your name, contact details, date of birth, identification documents, payment details, and usage data related to your interactions with the Platform. This information is used for purposes including, but not limited to, Account creation and management, transaction processing, age and identity verification, prevention of fraud and money laundering, responsible gambling, and compliance with regulatory requirements. We may share your personal data with third-party service providers who perform functions on our behalf, such as payment processing, identity verification, data storage, customer support, and technical operations. These providers are required to handle your data securely and to use it only for authorized purposes.

We may also disclose your information to regulatory bodies, law enforcement agencies, or other governmental authorities when necessary to comply with legal or regulatory obligations, to respond to lawful requests, or to protect our rights, property, or the safety of our users and the public. In some circumstances, your data may be transferred to and processed in countries or regions outside of your own jurisdiction, including locations with different data protection laws. We implement appropriate safeguards, such as contractual protections and technical security measures, to help ensure an adequate level of protection for your personal data in such cases.

You have certain rights with respect to your personal data, which may include the right to access, correct, or update your information, as well as, in some circumstances, the right to object to or restrict certain types of processing, and the right to request deletion of your data, subject to legal and regulatory retention requirements. Requests to exercise these rights should be submitted as outlined in our Privacy Policy, and we will respond within a reasonable period in accordance with applicable law. Please note that we may retain certain data after Account closure to comply with recordkeeping obligations, resolve disputes, and enforce our agreements.

We take reasonable technical and organizational measures to protect your personal data from unauthorized access, loss, misuse, or alteration. These measures may include encryption, access controls, firewalls, secure data centers, and periodic security audits. While we strive to maintain a high standard of security, no system can be guaranteed to be entirely secure, and you acknowledge that you provide your information at your own risk. You are responsible for keeping your login credentials confidential and for notifying us promptly of any suspected security breaches concerning your Account.

Account Suspension & Termination

We reserve the right, at our sole discretion and without prior notice, to suspend, limit, or terminate your Account and your access to the Platform for any lawful reason. Grounds for suspension or termination may include, but are not limited to, suspected or confirmed breaches of these Terms, provision of inaccurate or misleading information, involvement in prohibited activities, chargebacks or payment disputes, failure to complete required verification checks, or where required by law or regulatory authorities. During a suspension, you may be restricted from depositing, withdrawing, or participating in games while we investigate the matter. We may also freeze your Account balance pending the outcome of such investigation.

If we decide to terminate your Account, we will, subject to applicable law and these Terms, return any legitimate remaining real-money balance to you using a payment method of our choosing, less any amounts owed to us, such as unpaid fees, chargebacks, or amounts arising from fraudulent or prohibited activity. Bonus funds and associated winnings may be forfeited upon termination, depending on the circumstances and in line with applicable Bonus Terms. In cases involving serious legal or regulatory violations, we may be required to withhold funds and report the matter to relevant authorities. You agree that we shall not be liable for any loss or damage arising from the closure of your Account where we act in good faith and in accordance with these Terms and legal obligations.

You may request closure of your Account at any time by contacting customer support or using any available self-service Account closure tools. Prior to final closure, we may require you to withdraw remaining funds or provide additional verification documentation. Account closure does not relieve you of responsibility for any outstanding obligations or liabilities under these Terms, including any amounts owed to us. Upon closure, your access to the Platform, including the Winum mobile site and any Winum mobile applications, will cease, and you will no longer be able to place bets or participate in Promotions.

We may also close dormant or inactive Accounts in accordance with applicable regulations and our internal policies. An Account may be deemed dormant if there has been no login or transaction activity for a defined period, which will be specified on the Platform or in our policies. Prior to closing a dormant Account, we may attempt to contact you using your last known contact details. Any remaining funds in dormant Accounts may be handled in accordance with applicable laws, which may include transferring balances to relevant authorities, charging dormancy fees, or other required actions.

Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with your use of the Platform, whether based on contract, tort, negligence, strict liability, or otherwise. This includes, without limitation, damages for loss of profits, loss of data, loss of goodwill, business interruption, or other intangible losses, even if we have been advised of the possibility of such damages. Our total aggregate liability to you for any and all claims arising under or related to these Terms or your use of the Platform shall, to the fullest extent permitted by law, be limited to the lesser of (i) the total amount of deposits you have made into your Account during the three (3) months preceding the event giving rise to the claim and (ii) a fixed monetary cap as specified by applicable regulations, if any.

We shall not be responsible for any failure or delay in performing our obligations where such failure or delay is caused by events beyond our reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, industrial disputes, power failures, disruptions of communication networks, failures of third-party systems or services, or actions of governmental or regulatory authorities. During such events, the Platform may be unavailable, games may be interrupted, and transactions may be delayed or not processed. While we will use reasonable efforts to minimize the impact of such events, we make no guarantees regarding continuous or error-free operation of the Platform.

You acknowledge that you use the Platform at your own risk. The Platform and all content, games, and services are provided on an “as is” and “as available” basis without any warranties or representations of any kind, whether express or implied. We expressly disclaim all implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law. We do not warrant that the Platform will be free from bugs, errors, or defects or that any identified issues will be corrected.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law. Your statutory rights, if any, remain unaffected. Some jurisdictions do not allow the exclusion or limitation of certain types of damages or implied warranties, in which case the above exclusions and limitations may not fully apply to you. In such cases, our liability will be limited to the maximum extent permitted by law.

Complaints & Dispute Resolution

If you have any complaint, concern, or dispute regarding the Platform, your Account, a transaction, or any aspect of our services, you should first contact our customer support team as soon as possible. Complaints should be submitted through the official channels indicated on the Platform and should include your name, Account details, a clear description of the issue, and any supporting documentation or evidence. We will acknowledge receipt of your complaint within a reasonable timeframe and will endeavor to investigate and resolve the matter in a fair and timely manner. You agree to cooperate fully with our investigation and to provide any additional information we may reasonably request.

We will communicate our findings and any proposed resolution to you via email or through the Platform, depending on the nature of the complaint. If you are dissatisfied with the outcome of our internal complaint handling process, you may, where permitted by applicable law, escalate the dispute to an independent dispute resolution body or regulator. Details of any such external dispute resolution mechanisms, if available, will be provided upon request or displayed on the Platform. You may also have the right to pursue claims through the courts of competent jurisdiction as set forth in the Governing Law section of these Terms.

You agree that you will not initiate chargebacks or payment disputes with your bank or payment provider without first attempting to resolve the matter directly with us. Unwarranted chargebacks may be considered a breach of these Terms and could result in Account suspension, recovery of funds, and reporting to relevant authorities or credit agencies, subject to applicable law. If a chargeback is initiated, we reserve the right to withhold any balance or pending withdrawals until the dispute is fully resolved.

We maintain records of complaints and their resolutions in accordance with regulatory requirements and our internal policies. These records help us monitor service quality, identify systemic issues, and improve our processes. We strive to handle all complaints with professionalism, impartiality, and respect, and we expect you to communicate courteously and in good faith during the complaint process.

Governing Law

These Terms, and any disputes or claims arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws of the jurisdiction in which our operating entity is legally established, unless mandatory laws of your own jurisdiction require otherwise. You agree that the courts of that jurisdiction shall have exclusive or non-exclusive jurisdiction, as permitted by applicable law, to resolve any dispute or claim arising under or related to these Terms or your use of the Platform. You waive any objection to the exercise of jurisdiction by such courts on the grounds of forum non conveniens or any similar doctrine, to the extent permissible under applicable law.

Nothing in this section shall prevent you from bringing a claim in a court of competent jurisdiction in your place of residence where such right is provided by mandatory consumer protection laws or other non-derogable provisions. Similarly, if mandatory law in your jurisdiction requires the application of local laws or prohibits the application of a foreign law, these Terms shall be interpreted to give effect to such mandatory requirements to the extent necessary. In all other respects, the specified governing law shall apply.

We may be subject to licensing, regulatory oversight, or other legal requirements in one or more jurisdictions, and we will comply with such obligations as they apply to our operations and services. This may affect the specific terms, rights, and remedies available to you, depending on your location. If any conflict arises between provisions of these Terms and mandatory provisions of applicable law, the latter shall prevail, and the affected provisions shall be interpreted accordingly.

Final Provisions

These Terms constitute the entire agreement between you and Winum with respect to your use of the Platform and supersede all prior or contemporaneous agreements, understandings, representations, or communications, whether written or oral, related to the same subject matter. No failure or delay by us in exercising any right, power, or remedy under these Terms shall operate as a waiver of that or any other right, power, or remedy, nor shall any single or partial exercise preclude any further exercise of the same or other rights, powers, or remedies. Any waiver must be explicitly stated in writing and duly authorized by us to be effective.

If any provision of these Terms is found by a court or other competent authority to be invalid, unlawful, or unenforceable, such provision shall be deemed severed from the remainder of the Terms, which shall continue to be valid and enforceable to the fullest extent permitted by law. The invalid provision shall be replaced with a valid and enforceable provision that most closely reflects the original intent and economic effect of the invalid provision. You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent; any attempt to do so without consent shall be null and void. We may assign or transfer our rights and obligations under these Terms in whole or in part to any affiliated entity or successor in interest, provided that such assignment does not materially reduce your rights under these Terms.

Notices and communications under these Terms may be delivered by us via email, Platform notifications, or other electronic means, using the contact information you have provided. It is your responsibility to ensure that your contact details are accurate and that you regularly check for messages from us. All communications sent by us shall be deemed received by you within a reasonable time after dispatch. You may contact us using the support details provided on Winum for questions or concerns related to these Terms, your Account, or responsible gambling.

Your continued use of the Platform, including any access via Winum mobile site or Winum mobile applications, constitutes your ongoing acknowledgment and acceptance of these Terms and any subsequent amendments. If you do not agree with any part of these Terms, you must immediately cease use of the Platform and request closure of your Account. By confirming that you have read and understood these Terms during registration or at any other time, you acknowledge that you are entering into a legally binding agreement and that you fully understand the risks associated with online gambling. You further acknowledge your responsibility to gamble responsibly, to comply with all eligibility and legal requirements, and to make use of the tools and resources available to protect yourself from gambling-related harm.