Introduction

These Terms and Conditions (the “Terms”) govern the legal relationship between you as a player (“you,” “your,” or “User”) and Winum (“Winum,” “we,” “us,” or “our”) when you access, visit, register for, or otherwise use the online gambling services, websites, mobile sites, and applications associated with the Winum brand, including any related platforms where our games and services are made available (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms, as well as any additional rules, policies, or guidelines referenced herein, including but not limited to our Privacy Policy, Bonus Rules, and Responsible Gambling Policy. These Terms apply regardless of whether you access the Services via desktop, mobile browser, or supported applications, such as the Winum iOS app, if available in your jurisdiction. If you do not agree with any provision of these Terms, you must immediately discontinue use of the Services and refrain from registering an account with us. It is your responsibility to review these Terms periodically, as we may update or revise them from time to time.

The purpose of these Terms is to provide a clear, comprehensive, and legally compliant framework for using our Services, with particular emphasis on responsible gambling, player protection, and strict adherence to applicable laws and regulations. We aim to offer a safe, fair, and transparent entertainment environment where adult users can enjoy online casino games while maintaining control over their gambling behavior. These Terms include important information about age restrictions, account registration procedures, financial transactions, bonuses and promotions, fair play mechanisms, game rules, prohibited activities, and the steps you can take if you have a complaint or dispute. We also detail how we protect your personal data, under what circumstances we may suspend or terminate your account, and how limitations of liability may apply. Before you engage with any game or financial transaction on Winum, you should carefully read this document in its entirety.

By continuing to use our Services after any changes or updates are posted, you are deemed to have accepted and agreed to the updated Terms. In certain cases, we may require you to provide explicit consent to revised Terms before continuing to access the Services, for example by checking a box or clicking an “I Agree” button. If there is any conflict between these Terms and any other document referenced within them, these Terms shall prevail unless expressly stated otherwise. You agree that the English version of these Terms governs your use of the Services, and any translations are provided for convenience only. If you have any questions about the content of these Terms, you are encouraged to contact our customer support team before engaging in any wagering activities.

Acceptance of Terms

By creating an account, accessing the Services, placing bets, participating in promotions, or otherwise using any functionality offered by Winum, you confirm your full acceptance of these Terms without reservation. Acceptance is effective from the moment you first click to register, log in, or otherwise indicate your consent to these Terms, including during the installation or use of any associated applications such as a potential download Winum for iOS solution. You further agree that your electronic acceptance of these Terms has the same legal effect as if you had physically signed a written agreement with us. If you do not accept these Terms or any subsequent modifications, your only remedy is to immediately stop using the Services and request closure of your account if one has been created. Continued use of the Services following any updates or modifications will constitute your ongoing consent to the revised Terms.

You agree that Winum may, at its sole discretion and at any time, modify, update, or amend these Terms, in whole or in part, for reasons including but not limited to changes in legal or regulatory requirements, improvements to our Services, risk management considerations, or to address security concerns. Where required by law, we will provide prior notice of material changes, which may be accomplished by posting a notice on the main page of our site, sending you an email, or presenting a notification when you log in. It is your responsibility to regularly review the Terms and to stay informed about any updates that may affect your rights or obligations. If you disagree with any amendments, you must cease using our Services and may request account closure and withdrawal of eligible funds, subject to verification and compliance checks. Your continued use of the account or Services after the effective date of any updated Terms will be treated as your explicit acceptance of those changes.

You also acknowledge that additional terms, conditions, rules, and policies may apply to specific games, promotions, bonuses, tournaments, or special events offered on our platform. Such supplementary terms are incorporated by reference into these Terms and form an integral part of your agreement with Winum. In the event of any inconsistency between these general Terms and the rules or conditions relating to a particular promotion or game, the promotion- or game-specific rules will prevail for the purposes of that offer or activity. You are responsible for reading and understanding all relevant rules before participating in any particular game or promotion. Your participation signifies your acceptance of all applicable terms.

Eligibility & Age Restriction (18+ only)

Access to and use of the Services is strictly limited to individuals who are at least eighteen (18) years of age or older, or the minimum legal age for gambling in their jurisdiction of residence, whichever is higher. By registering for an account or using any part of the Services, you represent and warrant that you meet this minimum age requirement and that you are legally permitted to participate in online gambling in your jurisdiction. We take the protection of minors extremely seriously and employ a range of age and identity verification procedures to help prevent underage access. Any use of the Services by individuals under the age of 18, or under the applicable legal gambling age, is strictly prohibited and constitutes a material breach of these Terms. If we discover or reasonably suspect that you are underage, or that you have provided false or misleading information regarding your age, we reserve the right to immediately suspend or terminate your account, void any bets, and withhold any winnings, subject to applicable law.

You agree to cooperate fully with any requests from Winum to verify your age, identity, and eligibility, which may include providing documentation such as a government-issued identification card, passport, driver’s license, proof of address, or other documents we may reasonably require. Failure to provide such documentation to our satisfaction within the timeframe specified may lead to suspension or closure of your account. We also encourage parents and guardians to use parental control tools and monitoring software on devices that may be accessible by minors, particularly where the Winum iOS app or similar mobile access points are installed. Young people are especially vulnerable to the potential negative impacts of gambling, including addiction, financial harm, and psychological stress, and it is essential that they are shielded from any exposure to real-money betting services. We strongly advise that all account details, login credentials, and payment instruments are kept secure and unknown to anyone under the legal gambling age.

In addition to age restrictions, you must confirm that you are not located in, and do not access the Services from, any jurisdiction where online gambling with Winum is prohibited or restricted by law or regulation. It is your sole responsibility to ensure that your use of our Services is lawful and compliant with the laws of your country, state, and locality. We make no representation that the Services are appropriate, permitted, or available for use in any particular jurisdiction. Where we identify that a player is accessing the Services from a prohibited territory, we may suspend or terminate their account, and we may, in certain circumstances, be required to cancel bets and withhold funds in accordance with applicable legal obligations. By accepting these Terms, you acknowledge that you are solely responsible for understanding and abiding by the laws that apply to you.

Account Registration

To participate in real-money games and certain other features of the Services, you must complete the account registration process and create a personal player account (“Account”). During registration, you will be asked 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 that we may reasonably require to verify your identity and eligibility. You must ensure that all information you provide is truthful and that you are the rightful owner of the email address, phone number, and any payment methods associated with your Account. Providing false, misleading, or incomplete information, or impersonating any individual or entity, is strictly prohibited and may result in immediate suspension or termination of your Account, along with potential reporting to relevant authorities where required by law. You agree to promptly update your Account information if any of your details change.

When registering, you will be required to create a unique username and a secure password, which you must keep confidential and secure at all times. You are solely responsible for maintaining the secrecy of your login credentials and for all activities that occur under your Account, whether or not such activities are authorized by you. If you suspect that your Account credentials have been compromised, or that any unauthorized access or use of your Account has occurred, you must notify us immediately and take steps to secure your Account, including changing your password. We may require you to provide additional identification or take certain steps to confirm your identity before reinstating full access to your Account. Winum shall not be liable for any loss or damage arising from your failure to maintain the confidentiality of your login details or from unauthorized use of your Account by third parties.

You may only register and use one Account with Winum, and you must do so as an individual acting solely on your own behalf and not on behalf of any other person or entity. Multiple Accounts, also known as “duplicate accounts,” are strictly prohibited and may lead to the closure of all related Accounts, cancellation of bets, forfeiture of bonuses and winnings, and other remedial actions deemed appropriate by Winum. If you believe you may have more than one Account registered under different credentials or due to any error, you must immediately inform us so that we can review and consolidate or close duplicate Accounts as necessary. The creation of multiple Accounts to take advantage of bonuses, promotions, or any other feature of the Services is considered an abuse of our platform and a violation of these Terms. We reserve the right to refuse the opening of an Account or to close an existing Account at our discretion, subject to meeting our legal obligations.

By registering, you consent to Winum performing identity verification, credit checks, and other background checks that we may deem necessary or appropriate, including verification against third-party databases and public records. Such checks are conducted in order to comply with our legal and regulatory obligations, including anti-money laundering (AML), counter-terrorist financing (CTF), and responsible gambling requirements. You acknowledge that we may use specialized agencies or service providers to assist with these checks and that your personal data will be processed in accordance with our Privacy and Data Protection section. If your identity cannot be verified to our satisfaction, we may refuse to open your Account, restrict access, or terminate your use of the Services. We also reserve the right to request additional verification documentation at any time during your relationship with us.

Deposits & Withdrawals

To place real-money bets or participate in games for cash prizes, you must deposit funds into your Account using one of the payment methods made available by Winum. All deposits are subject to minimum and maximum limits, which may vary depending on the chosen payment method, your country of residence, and your account status. Deposit processing times may differ between methods, but in most cases, successful deposits will be credited to your Account balance shortly after confirmation by the payment processor. You are responsible for ensuring that any payment instruments you use, such as credit cards, debit cards, e-wallets, or bank accounts, are registered in your own name and that you are legally authorized to use them. We reserve the right to decline any deposit transaction or request additional verification before approving a deposit, particularly if we suspect fraud, misuse, or non-compliance with applicable regulations.

Withdrawals from your Account are subject to verification, security checks, and compliance with our internal policies and regulatory obligations. Before processing any withdrawal, we may require you to complete identity verification, submit documentation proving ownership of the payment method, and satisfy any wagering or bonus requirements attached to your balance. Withdrawals will generally be processed using the same payment method used for deposit whenever possible; however, in some cases, we may choose an alternative method in order to meet legal or technical constraints. While Winum endeavors to process withdrawals promptly, processing times can vary depending on internal checks and the policies of external payment providers. You understand that delays in withdrawal processing may occur and that Winum is not liable for such delays when they result from third-party services or compliance procedures.

You must review your transaction history regularly and notify us immediately of any discrepancies, unauthorized charges, or irregularities. If we identify any suspicious or unusual payment activity, including but not limited to potential money laundering, fraud, chargebacks, or use of stolen payment instruments, we may suspend or block your Account and retain any funds in accordance with applicable law while we conduct an investigation. Where chargebacks or payment reversals occur, we may deduct the relevant amount, as well as any associated fees, from your Account balance, and we may seek to recover outstanding amounts from you through lawful means. We reserve the right to report any confirmed or suspected unlawful activity to relevant financial institutions, authorities, or agencies as required by law. You agree to cooperate in good faith with any investigation or request for information relating to your deposits or withdrawals.

Funds held in your Account are not intended or permitted to be used as a banking facility, savings account, or any form of financial instrument other than for placing bets and participating in games provided through our Services. Interest will not accrue on any funds deposited or held in your Account, regardless of the duration for which such funds are maintained. We may, in certain cases, apply fees or limits to financial transactions, in accordance with our published policies and as required by payment processors or regulators. You are responsible for any fees, charges, currency conversion costs, or taxes imposed by your bank, card issuer, or payment provider arising from transactions with us. It is your responsibility to maintain accurate records of your gambling activities and to comply with any tax or reporting obligations in your jurisdiction.

Payment Methods Table

The following table provides an illustrative overview of common payment methods that may be available on Winum. Availability can vary by country, currency, and regulatory requirements, and Winum reserves the right to add, modify, or remove payment methods at any time.

Bonuses & Promotions

Winum may, from time to time, offer bonuses, free spins, promotional credits, loyalty rewards, tournaments, and other forms of promotional incentives (collectively, “Bonuses and Promotions”) to eligible players. All such offers are subject to specific terms and conditions, including but not limited to eligibility criteria, wagering requirements, time limits, maximum cashout amounts, game restrictions, and other rules set forth in the relevant promotional materials or bonus policy. You must carefully review the terms applicable to each Bonus or Promotion before opting in, accepting, or using the corresponding funds or benefits. By participating in any Bonus or Promotion, you agree to be bound by both these general Terms and the specific rules applicable to that offer. Failure to comply with the applicable terms may result in the forfeiture of Bonus funds, cancellation of winnings derived from such funds, and potential exclusion from future promotions.

Bonuses and promotional offers are generally intended for recreational players and may be limited to one per person, household, IP address, shared device, or payment method, as determined by Winum in its sole discretion. The creation of multiple Accounts or other attempts to circumvent promotional restrictions is strictly prohibited and may lead to the closure of all related Accounts and the forfeiture of associated funds. Winum reserves the right to modify, suspend, or withdraw any Bonus or Promotion at any time, including after a player has opted in, provided that such changes do not adversely affect any rights that have already accrued under applicable law. If we suspect that you have engaged in bonus abuse, arbitrage, collusion, fraudulent behavior, or any pattern of play that is designed to exploit promotional offers, we may withhold, reclaim, or cancel Bonuses and related winnings, and we may restrict your ability to participate in future offers.

Wagering requirements refer to the number of times you must wager Bonus funds or Bonus plus deposit amounts before you may withdraw any associated winnings. Unless stated otherwise, wagers placed with real-money funds will typically be processed before wagers placed with Bonus funds. Not all games contribute equally to wagering requirements; for instance, slot games may contribute 100%, while table games, live dealer games, or other game types may contribute a lower percentage or be excluded entirely. It is your responsibility to verify the contribution of each game type before wagering Bonus funds, as these details are set out in the specific Bonus rules. Any attempt to use low-risk betting strategies, game coverage bets, or other methods to artificially complete wagering requirements may be considered abuse and result in penalties as described above.

Some Bonuses and Promotions may be subject to expiry dates or time-limited conditions, after which unused Bonus funds, free spins, or other promotional benefits will be forfeited. In addition, certain offers may require you to manually opt in, enter a bonus code, or select the promotion at the cashier before making a qualifying deposit. Winum is not responsible for any loss or disappointment arising from your failure to follow the instructions associated with a Bonus or Promotion. In all cases, the decision of Winum regarding the interpretation of promotion rules, eligibility, and the allocation of Bonuses shall be final and binding, subject to any rights you may have under applicable law. If you have questions about a particular Bonus or Promotion, you should contact customer support prior to participating.

Game Rules

All games offered as part of the Services, including slot games, table games, live dealer games, and any other casino-style or wagering products, are governed by specific rules that determine how the game is played, how outcomes are calculated, and how winnings are awarded. You must familiarize yourself with the rules of each game before placing any bets or participating in gameplay. Game rules are typically accessible within the game interface via help menus, paytables, or information screens, and may also be described on our website. By participating in any game, you confirm that you have read and understood the rules and that you agree to be bound by them. If you do not agree with the rules of a game, you should not participate in it.

We strive to ensure that all game rules are accurate, transparent, and consistent with applicable regulatory standards. However, in the event of any discrepancy between the rules displayed on our site and those within the game software, the rules contained in the software or approved technical documentation may prevail. It is your responsibility to double-check any uncertain aspects of game rules before wagering, including betting limits, payout structures, side bets, and special features. We may modify game rules from time to time to improve the gaming experience, comply with evolving regulations, or address fairness and integrity concerns. Any such modifications will take effect once implemented in the game software and, where required, approved by the relevant regulatory authorities.

Bets placed and accepted in accordance with the posted game rules are considered final once the game round has been completed and the result determined by the relevant random number generator (RNG) or live dealer process. You cannot cancel, modify, or withdraw a bet once it has been confirmed, except where the game rules explicitly allow for such actions under certain conditions. In the event of a technical malfunction, software error, or interruption that affects a game round, bets may be voided or game rounds replayed in accordance with our malfunction and error policies, as further addressed in the Fair Play & RNG section. If any conflict arises regarding the outcome of a game, the result recorded by our servers and associated systems shall be considered conclusive, subject to subsequent review and any corrections required by law or technical verification. We reserve the right to withhold temporary payouts while investigating reported or suspected issues.

By participating in games on Winum, you agree that your use of the Services is solely for entertainment purposes and that gambling carries inherent risks, including the possibility of losing money. You are solely responsible for your betting decisions, and you should never wager more than you can afford to lose. Any strategy information or guidance provided by us or third parties should not be construed as a guarantee of winning or as professional financial advice. If you experience losses or believe that you are losing control over your gambling behavior, you are strongly encouraged to use our responsible gambling tools or seek assistance from independent support organizations. Your participation in any game indicates your acceptance of these risks.

Fair Play & RNG

Winum is committed to providing a fair, transparent, and reliable gaming environment. All virtual casino games that rely on chance-based outcomes are driven by certified random number generator (RNG) technology, designed to produce random and unbiased results. Our RNG systems, and any third-party game providers with which we work, are subject to periodic testing and certification by independent, reputable testing laboratories to ensure compliance with recognized industry standards. These tests validate that game outcomes are statistically random and that they are not manipulated or biased in favor of the house or any player. By using our Services, you acknowledge and accept that the outcomes of games are determined by random processes and that you have no means of influencing or predicting specific results.

We take all reasonable measures to safeguard our systems from tampering, unauthorized interference, and any form of manipulation. This includes technical protections, security protocols, monitoring tools, and internal controls intended to detect and prevent fraudulent activity, game rigging, or unfair practices. Any attempt by players or third parties to interfere with game software, hack into systems, alter outcome data, or exploit technical vulnerabilities is strictly prohibited and constitutes a serious breach of these Terms. If we have reasonable grounds to believe that such conduct has occurred, we may suspend or terminate the relevant Account(s), void affected bets, and retain funds where allowed by law while reporting the incident to appropriate authorities or regulators. We may also pursue civil or criminal legal action where warranted.

In the event of a malfunction of the RNG, game software, or any component of the gaming platform, all affected bets and game rounds may be voided or deemed invalid, and your stake for such games will generally be refunded to your Account, subject to applicable regulations and technical feasibility. Malfunction includes, but is not limited to, software bugs, server outages, miscommunication between client and server, display errors in paytables or game outcomes, and any similar irregularities. You understand and agree that malfunction voids all pays and plays, meaning that no winnings resulting directly from a malfunction will be honored. We will make reasonable efforts to correct any identified malfunctions and restore normal service as quickly as possible. However, Winum is not liable for losses or damages resulting from technical failures where such liability is excluded or limited under applicable law and these Terms.

We do not guarantee continuous availability or uninterrupted operation of the gaming platform, as temporary downtime may occur due to maintenance, updates, security checks, or unforeseen technical issues. During periods of planned maintenance, we may provide advance notice where practicable, although emergency maintenance may be performed without prior warning. You are responsible for ensuring that your device, internet connection, and software are compatible with the requirements of our Services and that you have appropriate safeguards in place to prevent unauthorized use. If you disconnect or experience technical issues while playing a game, the outcome will be determined by our systems, and any completed bets will stand as recorded on the server. Incomplete games may be resolved in accordance with the relevant game rules and technical policies.

Responsible Gambling

Winum is firmly committed to promoting responsible gambling and providing a safe environment for players to enjoy our Services. We recognize that while many individuals gamble for entertainment without adverse effects, some may experience difficulties controlling their gambling behavior, which can lead to financial, emotional, and social harm. Our goal is to support healthy play patterns, encourage informed decision-making, and provide tools and resources that help you maintain control. This includes offering optional limits and restrictions on your Account, providing clear information about game odds and risks, and collaborating with reputable support organizations that specialize in gambling-related harm. You are strongly encouraged to use these tools proactively and to be honest with yourself about your gambling habits.

We emphasize that our Services are strictly intended for adults aged 18 or over (or the legal minimum gambling age in your jurisdiction, if higher) and that gambling is not suitable for minors. Young people are particularly vulnerable to developing problematic gambling behavior due to factors such as impulsivity, peer pressure, and limited understanding of financial risk. We therefore urge parents and guardians to closely supervise any devices that may access our Services, including where the Winum iOS app or other mobile solutions may be installed. You should ensure that minors do not have access to your login credentials, payment methods, or personal information that could enable them to create an Account. If you suspect that a minor has gained unauthorized access to our Services, you must inform us immediately so that we can take appropriate action.

We provide responsible gambling tools that allow you to set personal limits, restrict your access, or temporarily or permanently exclude yourself from our Services. These tools are designed to support self-control and to help you avoid excessive gambling, but they are not a substitute for personal responsibility or professional help if you are experiencing gambling-related problems. You should also be aware that limits and self-exclusion measures may take some time to become fully effective and that they do not apply to other gambling operators or platforms. If you choose to implement any limit or exclusion option, you agree to abide by it and not to attempt to circumvent it by creating new Accounts or using alternative access methods. Winum will take reasonable steps to enforce your chosen restrictions but cannot guarantee absolute prevention of access if you act to circumvent such measures.

Tools & Features (table)

The following table provides an overview of key responsible gambling tools and features that may be available through your Winum Account. Availability and configuration may vary depending on your jurisdiction and applicable regulatory requirements.

Support Resources

If you are concerned about your gambling behavior, or if you believe that gambling is negatively affecting your life or the lives of those around you, we strongly encourage you to seek assistance. Winum can provide information about independent organizations that specialize in problem gambling support, counseling, and treatment. These organizations typically offer confidential helplines, online chat services, self-help tools, and referrals to professional counseling services. While we do not endorse or control any specific third-party provider, we work to collaborate with reputable and recognized support networks in the jurisdictions where we operate. You can contact our customer support team for up-to-date contact details of such organizations available in your region.

Examples of resources that may be available include national or regional gambling helplines, problem gambling councils, and non-profit organizations dedicated to reducing gambling-related harm. These organizations can assist with assessing your risk level, developing coping strategies, and, where necessary, arranging more intensive treatment programs. Seeking help at an early stage can reduce the likelihood of severe financial or emotional harm and improve the chances of successful recovery. If you have concerns about a friend or family member’s gambling behavior, you may also seek guidance and support on how to approach the situation and encourage them to get help. Remember that problem gambling is a recognized issue, and asking for help is a responsible and constructive step.

In addition to formal support services, Winum provides educational materials about responsible gambling on its website, including tips for maintaining control, guidance on setting budgets, and information about how games work and the probabilities involved. We encourage you to regularly review this information and to reflect honestly on your behavior, including how much time and money you spend on gambling. If you consistently exceed your own limits, attempt to chase losses, or gamble with borrowed funds, these may be signs of a developing problem. In such cases, you should consider implementing stricter limits, using self-exclusion options, and reaching out to professional support organizations. Your well-being and long-term financial health are more important than any gambling activity, and we support your right to choose not to gamble at any time.

Prohibited Activities

When using the Services, you agree not to engage in any prohibited activities, which include but are not limited to any form of illegal, fraudulent, abusive, or unethical conduct. This includes attempting to open an Account or gamble if you are under the legal age or otherwise ineligible, as well as permitting any other person, particularly minors, to use your Account to access the Services. You must not use our platform for any purpose that violates applicable laws or regulations, such as money laundering, financing of terrorism, or other criminal activities. The use of stolen or unauthorized payment methods, false identity documents, or forged information during account registration or verification is strictly forbidden. You also agree not to use any automated systems, bots, or software to manipulate gameplay, place bets, or otherwise interact with the Services in a way that gives you an unfair advantage over other players or undermines the integrity of our platform.

Collusion between players, including sharing of confidential game information or coordinating betting strategies to gain an unfair advantage in multiplayer or live dealer games, is prohibited. Any attempt to exploit software bugs, system vulnerabilities, predictable RNG sequences, or other technical weaknesses constitutes cheating and is a serious violation of these Terms. You must not copy, distribute, reverse engineer, or otherwise interfere with the game software, website code, or any related intellectual property without our prior written consent. Harassment, abuse, or threatening behavior towards our staff, other players, or third parties associated with the Services will not be tolerated, whether conducted through in-game chat, email, social media, or any other communication channels. We reserve the right to record and monitor communications on our platform to detect and address such behavior, in compliance with applicable law.

You also agree not to engage in any activity that may overload, disrupt, or otherwise negatively affect the performance or security of our systems, including launching denial-of-service attacks, distributing malware, or attempting unauthorized access to servers, databases, or other infrastructure. The use of proxy servers, VPNs, or similar technologies for the purpose of circumventing geographic restrictions, self-exclusion measures, or regulatory controls is prohibited, unless such use is clearly permitted by law and does not contravene our policies. Furthermore, you must not attempt to sell, transfer, or trade your Account, or to obtain or use another person’s Account, under any circumstances. All Accounts are personal, non-transferable, and may only be used by the registered account holder.

If we suspect or detect any prohibited activities associated with your Account, we may take one or more of the following actions as appropriate: suspend or close your Account; void or cancel bets; withhold or confiscate funds, including deposits and winnings, where permitted by law; and report the activity to relevant authorities or regulators. We may also exclude you from current or future promotions, and we may share relevant information with other operators or service providers where required by law or legitimate industry practices. You will be notified of any enforcement action taken, to the extent permitted by law and our security protocols. You agree to cooperate fully with any investigation into suspected prohibited activities and to provide any information or documentation we reasonably request.

Restricted Countries (table)

Winum’s Services may not be available in all jurisdictions and may be restricted or prohibited in certain countries or regions due to legal, regulatory, or commercial considerations. It is your responsibility to ensure that accessing and using our Services is lawful in your location before opening an Account or placing any bets. The list below provides an illustrative overview of some categories of restricted countries, but it is not exhaustive and may change over time. Winum reserves the right to update, modify, or expand the list of restricted jurisdictions at its discretion.

If you attempt to access the Services from a restricted jurisdiction, whether directly or by using technical tools such as VPNs or proxy servers, you may be in violation of these Terms and applicable law. In such circumstances, we may suspend or close your Account, cancel bets, and withhold funds as required by law or regulatory guidance. We may also be obligated to provide information about your activities to relevant authorities or agencies, particularly in cases involving sanctions or financial crime. You agree not to circumvent or attempt to circumvent any territorial, legal, or regulatory restrictions that apply to our Services. Your compliance with these geographic restrictions is a fundamental condition of your right to use the platform.

Privacy & Data Protection

Winum is committed to protecting your privacy and handling your personal data responsibly and in compliance with applicable data protection laws. When you register for an Account or use our Services, we collect and process certain personal information, which may include your name, contact details, date of birth, payment information, device identifiers, IP address, and information about your gambling activities. We use this information for purposes such as identity verification, account management, processing transactions, preventing fraud and money laundering, complying with legal obligations, and improving the quality and safety of our Services. Our detailed practices regarding data collection, use, disclosure, storage, and protection are described in our Privacy Policy, which forms an integral part of these Terms.

We implement technical and organizational measures to safeguard your personal data against unauthorized access, loss, alteration, or destruction. These measures may include encryption, secure socket layer (SSL) technology, access controls, regular security assessments, and staff training on data protection best practices. While we strive to maintain the security of our systems, no method of transmission or storage is completely secure, and we cannot guarantee absolute security of your data. You play an important role in maintaining the security of your information by keeping your login credentials confidential, using strong passwords, and logging out of your Account when you finish using the Services. If you suspect any unauthorized access to your Account or breach of your personal data, you should notify us immediately so that we can take appropriate action.

We may share your personal data with third-party service providers who assist us in delivering the Services, including payment processors, identity verification agencies, game providers, IT service companies, and professional advisors. Such third parties are required to process your data only on our instructions and in accordance with applicable data protection laws and appropriate confidentiality and security obligations. We may also disclose information when required to do so by law, regulation, court order, or regulatory authority, or when we believe it is necessary to protect our rights, the safety of our users, or the integrity of the Services. In some cases, your data may be transferred to and processed in countries outside your country of residence, which may not provide the same level of data protection; where this occurs, we will take steps to ensure that appropriate safeguards are in place.

You may have certain rights in relation to your personal data under applicable law, which may include rights of access, rectification, deletion, restriction of processing, and data portability. To exercise these rights, you may contact us using the details provided in our Privacy Policy. We will evaluate your request in accordance with legal requirements and respond within the applicable timeframes. Please note that certain data must be retained for specific periods in order to comply with legal, regulatory, or contractual obligations, particularly in relation to financial transactions and anti-money laundering regulations. In such cases, we may be unable to fully delete your information until the mandatory retention period has expired, but we will continue to protect your data in accordance with our security measures.

Account Suspension & Termination

Winum reserves the right to suspend, restrict, or terminate your Account at any time, in whole or in part, where we have reasonable grounds to believe that you have violated these Terms, engaged in prohibited activities, or otherwise posed a risk to the integrity or security of our Services. Grounds for suspension or termination may include, without limitation, suspected underage gambling, fraudulent behavior, chargebacks, use of stolen payment instruments, money laundering, collusion, cheating, abuse of bonuses, or other serious breaches of our rules. Suspension may be temporary while we conduct an investigation, during which time you may be unable to place bets, make deposits or withdrawals, or access certain features. Termination may be permanent, resulting in closure of your Account and, in some cases, forfeiture or withholding of funds where allowed or required by law.

If your Account is suspended or terminated, we will, where reasonably practicable and permitted by law, inform you of the reasons for such action and any steps you may take to resolve the issue. However, we may be restricted from providing detailed information in cases involving criminal investigations, regulatory requirements, or third-party confidentiality obligations. During suspension, we may request additional documentation or information to verify your identity, source of funds, or compliance with relevant laws. Failure to cooperate with our investigations or provide requested information in a timely manner may result in permanent closure of your Account. For security and compliance reasons, we may retain records of suspended or terminated Accounts as required by law.

You may request closure of your Account at any time by contacting customer support or using the available Account management tools, if provided. Prior to closing your Account, you should withdraw any eligible funds, subject to verification and other conditions outlined in these Terms. We may need to conduct final checks, including AML and identity verification, before approving your closure request and processing your withdrawal. Once your Account is closed, you will no longer have access to your gaming history, transaction records, or any remaining Bonus funds, and you may be unable to reopen the Account in the future under the same credentials. If you wish to resume gambling with Winum at a later date, you may need to undergo a new registration and verification process, and we reserve the right to decline any new Account request.

Self-exclusion measures that you activate in connection with responsible gambling will typically involve suspension or closure of your Account for a specified period, during which you will not be permitted to gamble on our platform. These measures are intended to support your decision to stop gambling and will be implemented in accordance with our responsible gambling policies. You agree not to attempt to evade self-exclusion by opening new Accounts or using alternate access methods. If we discover that you have attempted to bypass a self-exclusion or similar restriction, we may close any related Accounts, and we will not be responsible for any losses incurred as a result of your actions. Our handling of self-exclusion and account closure requests is subject to applicable regulatory guidance in each operating jurisdiction.

Limitation of Liability

To the fullest extent permitted by applicable law, Winum, its affiliates, directors, officers, employees, and agents shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services, whether based on contract, tort, strict liability, or any other legal theory. This includes, without limitation, damages for loss of profits, revenue, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages. We are not responsible for any failures, delays, interruptions, or technical malfunctions of the Services caused by factors beyond our reasonable control, including but not limited to acts of God, natural disasters, war, civil disturbance, industrial disputes, power outages, or failures of telecommunications networks or third-party systems. You acknowledge that gambling carries inherent risks and that losses may occur as part of the gaming experience, for which we assume no liability other than as expressly set forth in these Terms.

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, fraud, or fraudulent misrepresentation. To the extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to your use of the Services, whether in contract, tort, or otherwise, shall be limited to the lesser of (a) the total amount of deposits you have made into your Account during the six (6) months preceding the event giving rise to the claim, and (b) a monetary cap consistent with applicable local regulations, where such cap is defined. Some jurisdictions do not allow the exclusion or limitation of certain types of damages or liabilities; in such cases, the above limitations may not fully apply to you, and you may have additional rights.

You agree to indemnify, defend, and hold harmless Winum, its affiliates, and their respective directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your breach of these Terms or any additional rules or policies, (b) your violation of any law or third-party rights, or (c) your use or misuse of the Services. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with our defense strategy. This indemnity obligation will survive the termination of your use of the Services and your Account.

Complaints & Dispute Resolution

Winum strives to provide high-quality services and fair treatment to all players, but we recognize that disputes or dissatisfaction may occasionally arise. If you have a complaint regarding any aspect of our Services, including account management, financial transactions, game outcomes, or the conduct of our staff, you should first contact our customer support team as soon as possible. Provide a clear and detailed description of the issue, along with any relevant evidence such as screenshots, transaction IDs, or correspondence records. We will acknowledge receipt of your complaint and make reasonable efforts to investigate and resolve it promptly and fairly, in accordance with our internal procedures and any applicable regulatory guidelines. In some cases, we may need to request additional information from you to properly assess the situation.

We aim to resolve complaints internally at the earliest opportunity and to communicate our decision to you in a clear and transparent manner. If you are dissatisfied with the outcome of our internal review, you may have the option to escalate the dispute to an independent dispute resolution body, alternative dispute resolution (ADR) provider, or relevant regulatory authority, depending on the jurisdiction in which you are located and the applicable licensing framework. Information about any ADR or external complaint mechanisms applicable to your jurisdiction will be provided upon request or in our regulatory disclosures. You should submit your complaint to the external body within the time limits specified by that authority or scheme.

Both you and Winum agree to cooperate in good faith with any dispute resolution process, including providing all information and documents reasonably required to assess the complaint. While we are committed to resolving disputes fairly, we cannot guarantee a particular outcome and some matters may fall outside the jurisdiction of external bodies. You acknowledge that decisions made by independent dispute resolution providers may, in some jurisdictions, be final and binding on both parties, while in others they may be advisory only. Nothing in this section is intended to limit or exclude any legal rights you may have to bring claims before competent courts or tribunals, in accordance with the Governing Law section of these Terms. However, we encourage you to exhaust available internal and ADR processes before resorting to formal legal proceedings.

Governing Law

These Terms, your use of the Services, and any disputes arising out of or in connection with them shall be governed by and construed in accordance with the laws of the jurisdiction in which Winum is legally established and licensed to operate, without regard to conflict of law principles that would result in the application of the laws of any other jurisdiction. By accessing or using the Services, you irrevocably submit to the exclusive or non-exclusive jurisdiction of the competent courts in that jurisdiction, as specified in our licensing or corporate disclosures, for the resolution of any disputes that cannot be settled through negotiation or alternative dispute resolution. You acknowledge that, depending on where you reside, you may also benefit from mandatory consumer protection laws and rights in your home jurisdiction, which may provide you with additional avenues of recourse.

If any provision of these Terms is found by a court or other competent authority to be invalid, illegal, or unenforceable, that provision shall be severed or limited to the minimum extent necessary, and the remainder of these Terms shall continue in full force and effect. The failure or delay of Winum to exercise any right or remedy under these Terms shall not constitute a waiver of such right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. Any waiver granted by us must be in writing and signed by an authorized representative of Winum in order to be effective. You agree that any claim or cause of action you may have arising out of or related to the use of the Services or these Terms must be commenced within the time period prescribed by applicable law, after which such claim or cause of action shall be permanently barred.

Final Provisions

These Terms constitute the entire agreement between you and Winum regarding your use of the Services and supersede all prior or contemporaneous understandings, communications, and agreements, whether written or oral, relating to the subject matter herein. No representation, statement, or promise not expressly contained in these Terms shall be binding on Winum, and you acknowledge that you have not relied on any such representation, statement, or promise in choosing to use the Services. We may assign or transfer our rights and obligations under these Terms, in whole or in part, to any affiliate, successor, or third party in connection with a merger, acquisition, corporate reorganization, or sale of assets, without prior notice to you. You may not assign or transfer any of your rights or obligations under these Terms to any other person or entity without our prior written consent.

All notices and communications provided by Winum to you under these Terms may be sent via email to the address associated with your Account, through on-site messaging, push notifications (including those potentially sent via the Winum iOS app), or by posting a notice on our website. You are responsible for regularly checking your email and Account messages and for keeping your contact details up to date. Any communication sent by us shall be deemed to have been received by you within a reasonable time after it is sent or posted, subject to applicable law. If you wish to contact us regarding any matter related to these Terms, you should use the customer support contact details provided on Winum.

No provision of these Terms shall create or be deemed to create a partnership, joint venture, agency, fiduciary relationship, or employment relationship between you and Winum. You and Winum are independent contracting parties, and neither party has the authority to bind the other in any respect. The headings used in these Terms are for convenience only and shall not affect the interpretation of any provision. In the event of any inconsistency between these Terms and information provided elsewhere on our website or in promotional materials, these Terms shall prevail unless expressly stated otherwise.

Your continued access to and use of the Services constitute your acknowledgment that you have read, understood, and agreed to be bound by these Terms in their entirety, including all incorporated policies and rules. If you have any questions or concerns regarding your rights and obligations under these Terms, you should seek independent legal advice before proceeding. By registering an Account, making deposits, placing bets, or using any other aspect of the Services, you confirm your agreement to comply with all applicable laws, regulations, and these Terms at all times.