Introduction

These Terms & Conditions (the “Terms”) govern your access to and use of the online gaming and wagering services offered under the Winum brand, including all related websites, mobile sites, applications, and platforms (collectively, the “Services”). By creating an account, registering, accessing, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and by our Privacy Policy and any additional rules or policies referenced herein. These Terms constitute a binding legal agreement between you and the operator of Winum and apply to all real-money and, where available, play-for-fun gaming activities provided on or through the Services. If you do not agree with any provision of these Terms, you must immediately discontinue use of the Services and refrain from creating an account. You are solely responsible for ensuring that your use of the Services is lawful in the jurisdiction where you reside or access the Services, and Winum assumes no responsibility for your failure to comply with applicable laws. These Terms may be updated or modified from time to time, and it is your responsibility to review them periodically to remain informed of your rights and obligations. Continued use of the Services after any modification to the Terms constitutes your acceptance of the revised version.

Acceptance of Terms

By accessing the Services, registering an account, making a deposit, placing a wager, or otherwise participating in any gaming activity offered by Winum, you unequivocally agree to be bound by these Terms in their entirety. You also acknowledge and agree that supplemental policies, game rules, promotional terms, responsible gambling guidelines, and any other notices published on the Winum platform form an integral part of these Terms and are incorporated herein by reference. You represent and warrant that all information you provide to Winum during account registration and throughout your use of the Services is accurate, complete, and truthful and that you will promptly update such information if it changes. You understand that your agreement to these Terms is a prerequisite to receiving and maintaining an account with Winum and to engaging in any gaming or wagering activities on the platform. If you disagree with any part of these Terms or are unable to comply with them, you must cease using the Services and close your account, if applicable. Your use of the Services following any changes to the Terms will be deemed to constitute acceptance of those changes, even if you have not read the updated version in full. In the event of any inconsistency between these general Terms and specific game or promotion rules, the specific rules will take precedence only to the extent of such inconsistency.

Eligibility & Age Restriction (18+ only)

The Services are intended solely for individuals who are at least 18 years of age or the legal age of majority in their jurisdiction, whichever is higher, and who are legally permitted to participate in online gambling activities under applicable law. By registering for an account and using the Services, you represent and warrant that you are at least 18 years old and that your participation in online gaming through Winum does not violate any laws, regulations, or policies applicable to you. Minors and individuals under the age of 18 are strictly prohibited from creating an account, making any deposits, or participating in any games, whether for real money or for free. Winum reserves the right to request proof of age and identity at any time, and failure to provide satisfactory documentation may result in suspension or termination of your account and confiscation of funds, subject to applicable law. Parents, guardians, and other responsible adults are strongly encouraged to take protective measures to prevent minors from accessing online gambling services, including the use of parental control software, secure device passwords, and regular monitoring of online activity. Young people are particularly vulnerable to the potential risks of gambling, including the development of addictive behaviors, financial harm, and emotional distress, and Winum is committed to enforcing robust age-verification measures to help mitigate these risks. If Winum becomes aware or suspects that a minor has accessed the Services, the account will be closed, any associated transactions may be voided, and relevant information may be reported to appropriate authorities where required by law.

Account Registration

To participate in the real-money services offered by Winum, you must complete the account registration process by providing accurate personal information as requested on the registration form. This information may include, but is not limited to, your full legal name, date of birth, residential address, email address, telephone number, and any additional details required for age verification, identity verification (KYC), and compliance with anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. You agree to maintain only one active account with Winum and understand that multiple accounts opened by the same individual may be closed, with balances potentially frozen or forfeited subject to applicable legal requirements and the sole discretion of Winum. You are solely responsible for maintaining the confidentiality of your login credentials, including your username and password, and for all activity that occurs under your account, whether authorized by you or not. If you suspect that your account has been compromised or that unauthorized access has occurred, you must notify Winum immediately so that appropriate security actions can be taken, such as password resets or account suspension. Winum may require you to complete identity verification procedures and submit supporting documentation, which may include government-issued photo identification, proof of address, and payment method verification, before allowing withdrawals or continued account use. Failure to complete verification or to provide accurate information may result in restrictions, suspension, or closure of your account, and you agree that Winum is not liable for any loss or inconvenience arising from such actions when taken in accordance with applicable regulations and these Terms.

Deposits & Withdrawals

Deposits into your Winum account may only be made using payment methods registered in your own name and authorized for online gaming transactions in your jurisdiction, subject to the policies of banks, payment providers, and relevant regulations. You acknowledge that all deposits must originate from legal sources of funds and that you will not use the Services for any unlawful or fraudulent purpose, including money laundering, identity theft, or unauthorized use of payment instruments. Withdrawals may be subject to minimum and maximum limits, identity verification requirements, and additional security checks designed to protect both you and the integrity of the Services. Winum reserves the right to process withdrawals using the same payment method used for deposits, where feasible, and to require reasonable documentation to confirm ownership and legitimacy of the payment source before releasing funds. Processing times for deposits and withdrawals may vary depending on the payment method, intermediary financial institutions, and external circumstances beyond Winum’s control, and you acknowledge that Winum is not liable for delays caused by third-party providers. Fees may be applied to certain transactions, including currency conversion fees, banking charges, or processing fees; where possible, Winum will disclose such fees in advance or indicate that such fees may be imposed by your bank or payment provider. You are responsible for any taxes, levies, or charges that may arise from your deposits, wagers, or winnings, and you agree that Winum does not provide tax advice and is not responsible for reporting or remitting such amounts on your behalf except as required by law.

Payment Methods Table

You understand that the above table is provided for general informational purposes, and actual availability and timelines may differ based on your location, verification status, and payment provider policies. Winum reserves the right to add, modify, or discontinue any payment method at its sole discretion and without prior notice, to the extent permitted by law. All financial transactions are subject to internal checks, regulatory requirements, and monitoring for suspicious activity, and Winum may decline, reverse, or report transactions where appropriate or required. You must ensure that the payment details you provide are accurate and that you are authorized to use the method; any attempt to deposit using stolen or unauthorized instruments may result in immediate account closure and notification to authorities. Chargebacks, disputed transactions, or reversals initiated by you may lead to suspension of your account, recovery actions, and potential fees or damages claimed by Winum where legally available. By using the designated payment methods, you consent to the processing of your financial data in accordance with the Privacy & Data Protection section of these Terms and with applicable laws and regulations.

Bonuses & Promotions

Winum may, from time to time, offer bonuses, free spins, loyalty rewards, tournaments, or other promotional incentives (collectively, “Promotions”) to eligible players, subject to specific terms and conditions that are separate from and in addition to these general Terms. By participating in any Promotion, you agree to carefully review and be bound by the applicable promotional rules, including but not limited to wagering requirements, minimum deposit thresholds, maximum bet limits, time restrictions, and game eligibility. Bonus funds, free spins, or other promotional credits may not be withdrawn until you have met the stated wagering requirements, and attempting to withdraw such funds early may result in forfeiture of the bonus and associated winnings. Winum reserves the right to modify, suspend, or cancel any Promotion at any time, including for individual players or groups of players, when it reasonably believes that abuse, fraud, technical malfunction, or other irregularities have occurred. In cases of suspected bonus abuse, including but not limited to multi-accounting, arbitrage betting, or collusion aimed at exploiting promotional offers, Winum may withhold or cancel bonuses and winnings and close or restrict affected accounts in accordance with applicable law. Unless otherwise specified, Promotions are intended for recreational players only, and professional gamblers or advantage players may be excluded from participation at Winum’s discretion. Some Promotions may be restricted based on jurisdiction, payment method, player history, or other eligibility criteria, and it is your responsibility to ensure that you qualify for and understand the terms of any offer before opting in.

Game Rules

Each game or category of games offered by Winum, including but not limited to slots, table games, live dealer games, and other interactive gaming products, is governed by its own specific set of rules that are made available through the game interface or a related help section. You agree to review and understand the rules of each game before placing any wagers or participating in gameplay, and your participation constitutes acceptance of those rules. In many cases, the theoretical return-to-player (RTP) percentage and other relevant game information will be displayed within the game or on a dedicated information page, and you should consult this information if you require an understanding of the odds or payouts. If there is any discrepancy between the results shown on your device and the records retained by the game server or by Winum, the latter will be considered final and controlling, except where prohibited by law. Winum may, at its discretion, suspend or remove specific games, adjust betting limits, or restrict access to certain game types for individual players or jurisdictions in compliance with regulatory obligations. Malfunctions, interruptions, or technical errors that occur during gameplay will generally render the affected bets or rounds void, and your stake may be returned where appropriate and in line with game-specific rules. You understand that participation in any game carries a risk of financial loss, and you agree that you are solely responsible for your betting decisions, strategies, and the management of your bankroll when using the Services.

Fair Play & RNG

Winum is committed to providing a fair, transparent, and reliable gaming environment, and the outcomes of applicable games are determined by certified random number generator (RNG) technology designed to ensure randomness and impartiality. The RNG used on the platform, and the games supplied by third-party providers, are subject to regular testing and certification by independent, recognized testing laboratories where required by law or regulation. This testing is intended to verify that the outcomes cannot be predicted, manipulated, or influenced by Winum, players, or any external party, and that the games operate within the stated theoretical return parameters over time. You acknowledge that the results of games delivered through RNG technology are purely random and that any apparent patterns or streaks are coincidental and cannot be exploited for guaranteed profit. Any attempt by you or others to manipulate game outcomes, exploit software bugs, interfere with the RNG, or use automated tools or bots to gain an unfair advantage is strictly prohibited and may lead to account suspension, forfeiture of funds, and reporting to appropriate authorities where required. In the event of a system malfunction or technical failure that affects the functioning of the RNG or game logic, all affected bets, rounds, or payouts will generally be declared void, and your stake may be restored to your account, subject to game rules and applicable law. Winum reserves the right to withhold or delay payouts during investigations into suspected irregularities or fairness concerns, and you agree to cooperate fully with any such inquiries.

Responsible Gambling

Winum promotes responsible gambling as a core principle and is dedicated to ensuring that the Services are used for legitimate entertainment purposes only and not as a means of financial gain or a solution to financial difficulties. Gambling inherently involves risk, and you may lose money as well as win; you should never gamble with funds you cannot afford to lose or that are needed for essential living expenses. You are responsible for monitoring your own behavior and financial situation and for recognizing the signs of problematic gambling, such as chasing losses, neglecting personal or professional responsibilities, or gambling with borrowed funds. Winum provides a range of tools and resources designed to help you manage your play, including deposit limits, loss limits, wagering limits, session reminders, time-outs, cooling-off periods, and self-exclusion options. Use of these tools is voluntary and requires your active management; however, Winum strongly encourages all players to set reasonable limits and to take immediate action if gambling ceases to be enjoyable or begins to cause harm. The platform may display responsible gambling messages, provide links to independent support organizations, and offer self-assessment questionnaires or educational content to help you better understand your gambling patterns. While Winum takes reasonable measures to promote responsible gambling and to identify potential red flags, it cannot definitively determine the level of risk for each individual player and therefore encourages you to act promptly and decisively if you experience any difficulties.

Tools & Features (table)

Support Resources

If you believe that your gambling activities may be becoming problematic, or if you are concerned about someone else’s behavior, you are strongly encouraged to seek assistance as early as possible. Winum provides links to independent support organizations, such as gambling counseling services, helplines, and treatment centers, which offer confidential advice, self-help tools, and professional support. While specific resources may vary by region, examples include national gambling helplines, online therapy providers, and support groups for individuals and families affected by gambling issues. You may also contact the Winum customer support team to request information on responsible gambling tools, account restrictions, or guidance on how to activate self-exclusion or other protective measures. Winum may, at its discretion and in accordance with applicable law, implement certain responsible gambling interventions if there are reasonable indications of harmful play patterns, including imposing limits, sending warnings, or temporarily restricting access to the Services. However, the ultimate responsibility for using the Services in a safe and controlled manner rests with you, and you should promptly respond to any signs of loss of control by reducing or discontinuing play and seeking professional help. Resources provided or referenced by Winum are offered for informational purposes only and do not constitute medical, psychological, or legal advice; you should consult qualified professionals where appropriate.

Prohibited Activities

You agree that you will not engage in any unlawful, abusive, or unethical behavior while using the Services, and that you will comply with all applicable laws and regulations in connection with your activities on the Winum platform. Prohibited activities include, but are not limited to, money laundering, terrorist financing, fraud, collusion with other players, use of bots or automated tools, exploitation of software bugs, use of stolen or unauthorized payment methods, and any attempt to manipulate game outcomes or the operation of the Services. You may not create or use multiple accounts to circumvent rules, limits, or promotional terms, nor may you impersonate any person or entity, or misrepresent your affiliation with any person or organization. Harassment, abusive language, or offensive conduct towards Winum staff, other players, or third parties—whether via chat features, email, or any other communication channel—is strictly prohibited and may result in warnings, chat restrictions, account closure, or reporting to authorities where necessary. You must not interfere with or attempt to disrupt the proper functioning of the Services, including by introducing viruses, malware, or other harmful code, conducting denial-of-service attacks, or attempting to gain unauthorized access to systems or data. Any suspected violation of these prohibitions may lead to immediate investigation, temporary suspension of your account, withholding of funds, and, where legally justified, permanent termination and forfeiture of balances connected with the misconduct. Winum reserves all rights to cooperate fully with law enforcement, regulators, and other relevant bodies to investigate, prevent, and respond to prohibited activities, and may share information and documentation as required or permitted by law.

Restricted Countries (table)

Use of the Services may be restricted or prohibited in certain countries and jurisdictions due to local laws, regulatory requirements, or Winum’s internal risk policies. It is your responsibility to ensure that you are not located in, or a resident of, a jurisdiction where online gambling with Winum is unlawful or otherwise restricted. The table below provides a non-exhaustive illustration of jurisdictions where access may be limited, although the actual list may be broader and is subject to change at any time. Winum reserves the right to block access, decline registrations, or close accounts from restricted locations without prior notice when required by law or internal policy. You acknowledge that using VPNs, proxies, or any other technological tools to disguise your true location or to appear to be accessing the Services from a permitted jurisdiction is strictly prohibited and may result in immediate account closure and forfeiture of funds, subject to applicable law. If Winum reasonably believes that you are accessing the Services from a restricted country, it may suspend your account pending further investigation and require satisfactory evidence of your location and residence. You should consult local laws or seek independent legal advice if you are uncertain about the legality of using online gambling services such as Winum in your jurisdiction.

This table is for illustrative purposes only and does not constitute a complete or binding list of all restricted jurisdictions. Winum may update its internal list of restricted territories at any time based on changes in law, regulatory direction, or risk assessments, and such changes may take effect without prior public notice. If your jurisdiction becomes restricted after you have registered, Winum will, where legally required, provide information on withdrawal of remaining balances and subsequent account closure. You agree that Winum is not liable for any loss, inconvenience, or inability to access the Services resulting from legal or regulatory restrictions imposed on your jurisdiction.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data in compliance with applicable data protection and privacy laws. By using the Services and creating an account, you consent to the collection, processing, storage, and use of your personal information as described in these Terms and in the separately published Privacy Policy, which you are encouraged to review carefully. Personal data collected may include, but is not limited to, your name, contact details, date of birth, account and transaction history, device information, IP address, and documentation provided for identity verification and payment processing. Winum uses this information to operate the Services, verify your identity, prevent fraud, comply with legal and regulatory obligations (including AML/CTF and responsible gambling requirements), process payments, and provide customer support. Access to your personal data within Winum is restricted to authorized personnel who require such access to perform their duties, and appropriate technical and organizational measures are implemented to safeguard data against unauthorized access, loss, or misuse. Winum may share your personal information with third-party service providers, such as payment processors, identity verification vendors, game suppliers, analytics providers, and regulatory authorities, where necessary and lawful, under appropriate data protection safeguards. You have certain rights regarding your personal data, which may include the right to access, correct, or, in some circumstances, request deletion of your information, subject to legal retention obligations and verification of your identity, and you may exercise these rights by contacting customer support as described in the Privacy Policy.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your account at its sole discretion in a variety of circumstances, including but not limited to suspected or confirmed violation of these Terms, evidence of fraud or illegal activity, failure to pass identity verification checks, or use of the Services from a restricted jurisdiction. Suspension or termination may also occur if Winum believes that you are engaging in irresponsible gambling behavior that could cause harm to you or others, in accordance with its responsible gambling policies and to the extent permitted by law. During a suspension, you may be temporarily prevented from depositing, wagering, or withdrawing funds, and Winum may conduct an internal investigation to determine whether further action is necessary. If your account is terminated, any remaining funds will be handled in accordance with applicable law and regulatory requirements, which may include returning lawful balances to you after completion of due diligence or, in cases of illegal or fraudulent conduct, forfeiture of funds and reporting to relevant authorities. You may close your account at any time by contacting customer support, subject to completion of any outstanding loyalty or bonus obligations, withdrawal of available balances, and compliance with any legal or regulatory retention requirements. Closure or termination of your account, whether initiated by you or by Winum, does not relieve you of responsibility for any outstanding obligations, such as unpaid fees, chargebacks, or liabilities incurred prior to the date of closure. Winum will not be liable for any loss, damage, or inconvenience you may suffer as a result of account suspension or termination when such actions are taken in accordance with these Terms and applicable law.

Limitation of Liability

To the maximum extent permitted by applicable law, Winum, its affiliates, directors, officers, employees, agents, and suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services, even if advised of the possibility of such damages. This limitation includes, without limitation, damages for loss of profits or expected winnings, loss of data, loss of goodwill, business interruption, or any other intangible losses resulting from the use or inability to use the platform, unauthorized access or alteration of your transmissions or data, or the conduct of any third party relating to the Services. Winum’s total aggregate liability to you for any and all claims arising from or relating to the Services or these Terms, whether in contract, tort, or otherwise, shall not exceed the lesser of (a) the amount of deposits you have made to your account in the three months immediately preceding the event giving rise to the claim, or (b) a monetary cap as may be defined by applicable law. Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation. You acknowledge that you use the Services at your own risk, and that the platform and content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Winum does not guarantee that the Services will be uninterrupted, error-free, or free from viruses or other harmful components, nor does it guarantee that defects will be corrected promptly or at all. Some jurisdictions do not allow certain exclusions or limitations of liability, so portions of this section may not apply to you; in such cases, Winum’s liability shall be limited to the fullest extent permitted by applicable law.

Complaints & Dispute Resolution

If you have any questions, concerns, or complaints regarding the Services, you should first contact Winum’s customer support team using the communication channels indicated on the website or within the Winum mobile app. You are encouraged to provide as much detail as possible, including your account information, the date and time of the issue, relevant transaction or game identifiers, and a clear description of your concern. Winum will acknowledge your complaint within a reasonable timeframe and will make good faith efforts to investigate and resolve the matter promptly and fairly, in accordance with its internal procedures and any applicable regulatory requirements. If you are dissatisfied with the outcome of your complaint after it has been reviewed by Winum, you may, where available and applicable, escalate the dispute to an independent alternative dispute resolution (ADR) body or regulator identified on the site, although availability of such mechanisms may vary by jurisdiction. Both you and Winum agree to cooperate fully with any ADR process, provide requested information, and act in good faith to resolve the dispute without recourse to court proceedings where a suitable alternative process exists and is mutually acceptable. Nothing in this section shall prevent either party from pursuing remedies in a court of competent jurisdiction where ADR is not available, is not mandatory, or has failed to resolve the dispute to the extent permitted by law. You acknowledge that failure to raise a complaint within a reasonable period after becoming aware of an issue may affect Winum’s ability to investigate and address the matter, and may result in the complaint being considered out of time or otherwise not actionable.

Governing Law

These Terms, and any dispute, controversy, or claim arising out of or relating to them, their subject matter, or their formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the jurisdiction specified by Winum on its website, without regard to principles of conflict of laws that would result in the application of the laws of another jurisdiction. You agree that the courts of that specified jurisdiction shall have exclusive or, where applicable, non-exclusive jurisdiction to settle any such disputes, subject to any mandatory rights you may have to bring claims in your local courts under applicable consumer protection laws. To the extent permitted by law, you and Winum agree that any action must be brought in an individual capacity and not as part of a class, collective, or representative proceeding, and that class action waivers may apply to claims arising under these Terms. If any provision of this Governing Law section is held to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect. You acknowledge that the legality of online gambling varies by country and region, and that it is your responsibility to ensure that you comply with all applicable laws in the place where you reside or access the Services. Winum makes no representation that the Services are appropriate, lawful, or available for use in any particular jurisdiction, and access from locations where the Services are illegal is strictly prohibited and may result in account closure.

Final Provisions

These Terms constitute the entire agreement between you and Winum regarding your use of the Services and supersede any prior or contemporaneous understandings, agreements, representations, or communications, whether written or oral, relating to the subject matter herein. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or regulator of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions shall remain in full force and effect. Winum’s failure or delay in enforcing any right, provision, or remedy under these Terms shall not be deemed a waiver of such right, provision, or remedy, and any waiver must be in writing and signed or clearly issued by an authorized representative of Winum. You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of Winum, whereas Winum may assign or transfer its rights and obligations to an affiliate or successor entity, subject to applicable law and regulatory approvals. Notices and communications to you may be delivered by email, account messaging, website postings, push notifications in the Winum mobile app, or any other reasonable method, and you are responsible for regularly checking such channels for updates and information. Your continued use of the Services following publication of updated Terms, policies, or notices on Winum shall be deemed acceptance of those updates, subject to any mandatory legal requirements for explicit consent where applicable. By registering an account, accessing the platform, or installing any related software, including any option to download Winum mobile app or use the Winum mobile app where available, you confirm that you have read, understood, and agreed to be bound by these Terms & Conditions and that you will use the Services lawfully, responsibly, and in accordance with all applicable regulations.